Blue Sky Gold Savers
Protect your savings while maximising your returns with our higher interest rates.
Enquire nowFeatures and Benefits
Exclusive rates for over-55s. You will also have instant access to your funds.
Attractive Interest Rates
If you're 55 or older, enjoy exclusive rates made just for you.
No Fall-Below Fee
Stay worry-free with no fall-below fee on your savings.
Easy Deposit
Simple ways to deposit: at our Customer Centres or via PayNow.
Low Minimum Deposit
Initial deposit: $10.00
Passbook Savings Account
Enjoy peace of mind with a clear record of all your transactions.
SFL LockFunds
Protection against scams with LockFunds.
Interest rates
Enquire nowDeposit balance
Interest rate
$10 and above
1.08% p.a.Interest rates effective from 01 October 2025
Interest rates quoted are subject to change at any time without prior notice. Terms and conditions apply.
Eligibility
Who can apply?
- Singaporeans, Permanent Residents, or foreigners
- Minimum age: 55 years old
What documents will I need?
For Singaporeans and Permanent Residents:
- NRIC
For Foreigners:
- Passport and a valid pass1 for foreigners
- Proof of mailing address2
1 Valid pass such as S-Pass, Employment Pass, Work Permit with minimum 6 months validity.
2 Include any one of the following documents: telco or utilities bill, bank statement from another bank in Singapore within last 3 months.
Fees & charges
Cash deposit charge
Free for first $25,000.00, additional $5.00 chargeable on every subsequent $5,000.00 or part thereof on amount above $25,000.00.
Coin deposit charge
Free for first 25 coins. $2.00 chargeable on every subsequent 100 coins or part thereof.
Early account closure fee
$15.00
(If account is closed within 6 months of opening)
Replacing a lost passbook
$10.00 per passbook
Statement of Account
Free for current & immediate past year
Statement of Account (past years)
$50.00 flat fee
Confirmation on Estate Account
$50.00 per account (capped at $200.00)
Others
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law.
Please refer to SFL List Of Insured Deposits for a list of SFL accounts that are covered under the Scheme.
Please refer to for more information and to download