Fixed deposit accounts in Singapore offer a much higher interest rate (at least a 1.00% p.a. difference) as compared to your basic savings deposit account. Contrary to belief that certain foreign banks might be more risky, the first $75,000 parked in fixed deposits at any bank is risk-free...

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Singapore deposits earn very low interest from banks and it has been consistently lower than 2.00% per annum since 2002. However, it is still better to get the paltry 1.00% to 2.00% interest from deposit promotions as compared to the 0.05% to 0.15% interest you get from most savings deposit account...