Save As You Serve - Saving tips & promotions for NSFs

Save As You Serve (SAYS)

At a Glance

Curated solutions to help NSFs save

No time to think about your finances in NS or not sure where to start? Pick from our range of solutions under SAYS to reach your goals effortlessly.

Exclusive promotions for NSFs

From cash rebates to merchant perks, we’ve got your everyday and NS needs sorted. Pro tip: check back every July for SAF Day deals!

Learn how to plan and manage your finances

Explore our free, bite-sized resources for NSFs and join the #FinFit Financial Planning Challenge for NSFs today!

Promotions

Introducing #FinFit, our brand new challenge to help you learn about Financial Planning and save more as you serve! Registration for the challenge has now closed, and the results will be announced soon! Tap the button below to learn more about #FinFit and check out the results!Learn more

How SAYS worksNavigating and managing your finances in NS can be tough. That's why we've curated a range of solutions to help you save as you serve and reach your goals effortlessly.

DBS Multiplier Account

Perfect for everyday banking and salary crediting

Get up to 1.8% p.a. interest on the first S$50K balance when you credit your NS allowance and use PayLah!
No initial deposit and fall-below fees are waived till age 29
To apply, login to digibank > More > Apply > Deposit Accounts

POSB Save As You Earn (SAYE) Account

Stash away and build your emergency fund

Set aside monthly savings (no withdrawals allowed!) and earn 3.5% p.a. cash gift interest on savings for the first 24 months
To apply, login to digibank > More > Apply > Deposit Accounts

Financial Planning for NSFs

Explore our free, bite-sized resources for NSFs
Join the #FinFit Financial Planning Challenge for NSFs and stand a chance to snag some cool prizes

Email & Digibank Notifications

Opt in to receive exclusive insights and NSF deals

Keep a look out every July for SAF Day deals
You may update your notification preferences on digibank: More > Manage Notifications > Offers & Insights > Email | App (Push Notification)

DBS For Young Adults Telegram

Get more money tips and deals for Young Adults

Join the Telegram channel here

SAFRA DBS Debit Card

Exclusive SAFRA membership perks

Up to 2% cash rebate on contactless and online shopping
To apply, login to digibank > More > Apply > Cards

HomeTeamNS-PAssion-POSB Debit Card

Exclusive HomeTeamNS and PAssion membership perks

Up to 2% cash rebate on contactless and online shopping
To apply, login to digibank > More > Apply > Cards

DBS PayLah!

Live more with the Ultimate Everyday App

Get rides, book movies, order food in one app
Make payments effortlessly

For full terms and conditions, click here.

Download now

S$2.50 off Golden Village movie tickets with DBS PayLah!

Enjoy S$2.50 off your Golden Village movie tickets on Wednesdays and Sundays when you book through the DBS PayLah! app. Terms & Conditions apply.

More rewards on Shopee with DBS PayLah!

Enjoy S$7 off every Saturday when you checkout with the ultimate everyday app. Terms & Conditions apply.

Financial Planning for NSFsOne of the biggest missed opportunities for people today is not starting their financial planning early enough. Did you know that >50% of NSFs have less than S$3,000 in savings? Instead of waiting to have a regular income or sizeable sum to start Financial Planning, act now to build up your financial resilience.

How to budget well in NS

Here are 5 key tips to keep track of your spending and manage your finances.

Learn more

How to start investing during NS

With inflation rates creeping up which impact adversely the value of our savings, we have to make our money work harder for a sustainable financial future.

Here are 3 reasons why you should embark on your investment journey as early as possible.

Learn more

NS can be the best time to get insurance

A sound financial plan includes insurance planning as a key foundation.

In fact, NS is often the best time for you to start getting coverage and here are some reasons why you should get started!

Learn more

For more personalised tips, simply login to digibank > Plan to get started.

Frequently Asked Questions

Is Save As You Serve (SAYS) the same as the POSB Save As You Earn (SAYE) account?

Nope! SAYS and SAYE are like two cool cousins.

SAYS is the bank’s proposition to help NSFs save as they serve and reach their financial goals effortlessly. You can think of SAYS as a range of solutions tailored for NSFs, including a high-interest savings account, debit cards, PayLah! and Financial Planning.

On the other hand, SAYE is a savings account where you can stash away your savings every month and be rewarded with a cash gift interest for the first 2 years. Learn more about SAYE here.

I’m already crediting my NS allowance to a DBS/POSB account. Do I need to switch this to the Multiplier account?

No need to change a thing (unless you want to)! As long as you credit your NS allowance to any DBS/POSB account and use PayLah! for any retail spend, you will be able to earn the bonus interest on your savings in the Multiplier Account.

Do I need to close my Multiplier Account after I complete my service?

Nope, you don't have to! Your Multiplier Account is your financial sidekick, ready to help you level up your finances whether you're an NSF, Student or Working Adult! Here's an illustration on how to fulfill requirements to unlock bonus interest on your savings:

Disclaimers
The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Conversions between currencies involve fluctuations and are subject to exchange controls. If you are converting from another currency to place the deposit and intend to convert it to the original currency, exchange rate fluctuations could cause the converted amount to be less than your original amount.

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