CIMB FastSaver vs StarSaver: Where Does YOUR Money Thrive?

Every dollar you earn has the potential to grow, but how do you make it work hardest for you at your stage in life? With so many savings options available, it can be difficult to know whether you’re making the right choice. CIMB offers two fantastic options, the CIMB FastSaver vs. StarSaver, each designed for different financial journeys.

Whether you're actively managing your daily finances or have a substantial sum you wish to grow with minimal fuss, CIMB has an account that aligns with your unique needs. Let's explore the difference between CIMB FastSaver and StarSaver to help you decide where your money can truly thrive.

Comparing CIMB FastSaver vs CIMB StarSaver (At a Glance)

Rates are accurate as at 15 September 2025 and are subject to change without prior notice. 

CIMB FastSaver Account: For the Everyday Hustler

Meet Eric, our "Everyday Hustler." Eric is a marketing executive who's been in the industry for three years. He’s diligently accumulated about S$20,000 in savings and is now looking for a smart way to grow that money. He's looking for a high interest savings account for immediate, competitive returns on his active funds.

Here’s how Eric can earn more interest with the CIMB FastSaver account:

• Base Interest: Eric earns a base interest of 0.68% p.a. just for depositing his S$20,000 in savings into the account.
• Salary Crediting: Eric ensures his monthly salary of S$3,500 is credited via GIRO into his CIMB FastSaver account. This helps him earn a bonus 0.50% p.a. 
• Credit Card Spend: Eric spends about S$400 each month on his CIMB Visa Signature Credit Card, comfortably hitting the minimum S$300 monthly eligible spend. This helps him earn a bonus 1% p.a. 

Total Interest Rate Eric earns: 0.68% + 0.50% + 1.00% = 2.18% p.a.

On his S$20,000, Eric would earn an annual interest of: S$20,000 × 2.18% = S$436

How CIMB FastSaver Compares to Other High-Yield Savings Account

Let’s compare savings interest rates and the type of hoops Eric would need to jump through in order to earn bonus interest with a high interest savings account at other banks.

The interest rates of the other banks are based on publicly available information for mass market customers on the base rates of certain comparable deposit accounts in Singapore. The other banks’ rates exclude promotional rates or higher conditional rates. Information for the Bonus Interest criteria is accurate as at 04 09 2025. We have selected the products for comparison at our discretion.

Out of all the options, the CIMB FastSaver provides the highest base interest rate and most achievable bonus interest criteria, which allows Eric to maximise the interest earned based on his personal finances.

CIMB StarSaver Account: For the Everyday Wealth Builder

Now, let's introduce Mandy, our "Steady Wealth Builder." Mandy is a director in the hospitality industry and is married with two kids. She's worked hard to build a comfortable life and, while she has her regular salary crediting account for daily expenses and basic savings, she also has accumulated substantial savings amounting to S$250,000. She likes her financial planning to be fuss-free, so she is looking to grow her funds steadily, without the need for constant monitoring or meeting extra conditions. 

The CIMB StarSaver is a truly fuss-free savings account where her larger balances can simply work for Mandy to grow money passively. Here’s how it works:

• Base Deposit: S$250,000
• 0.68% p.a. on the first S$100,000: S$100,000 * 0.68% = S$680
• 1.38% on the next S$150,000: S$150,000 * 1.38% = S$2,070

Total Annual Interest: S$680 + S$2,070 = S$2,750

How CIMB StarSaver Compares to Other Fuss-Free Savings Accounts

Here’s a comparison of how Mandy’s lump sum of S$250,000 would be affected by the interest rate structures at other banks.

The interest rates of the other banks (traditional and digital) are based on publicly available information for mass market customers on the base rates of certain comparable deposit accounts in Singapore. The other banks’ rates exclude promotional rates or higher conditional rates. Information for the Interest Rate Structure is accurate as at 04 09 2025. We have selected the products for comparison at our discretion.

For genuinely competitive interest without transaction-based conditions, the CIMB StarSaver is a great option amongst conventional and even digital banks. It not only offers strong returns on larger funds but can even provide a higher effective interest rate than some digital bank alternatives, which often cap their highest rates at lower balance thresholds.

Create a FastSaver or StarSaver Account with CIMB

No matter if you identify as an Everyday Hustler like Eric or a Steady Wealth Builder like Mandy, CIMB offers powerful savings solutions designed to help your money grow effectively. Both the CIMB FastSaver and StarSaver accounts are tailored to maximise your returns based on your unique financial habits and goals.

Still choosing between CIMB FastSaver vs StarSaver? Having both can be quite advantageous! You can use the CIMB FastSaver for your daily spending needs while parking additional savings in CIMB StarSaver to enjoy fuss-free interest rates without additional conditions. This way, you’ll have a comprehensive savings strategy that works hardest for every dollar you have.

 Open a CIMB FastSaver account or a CIMB StarSaver account today!

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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Whilst the Bank has taken all reasonable care to ensure that the information herein has been compiled from sources believed to be reliable and is not untrue or misleading at the time of this article, the Bank assumes no responsibility and makes no representations or warranties, of any kind, as to the accuracy or completeness of this article and this article does not purport to contain all the information that a recipient may require.

 ^{* Terms and Conditions apply. Please refer to the relevant product webpages for more information.}