Singapore Savings Bonds

  • A safe and flexible way to save for the long term

    SSB investments can be made with cash or Supplementary Retirement Scheme (SRS) funds

At a Glance

Singapore Savings Bonds (SSB) is a special type of Singapore Government Securities (SGS) with features that make them accessible and suitable for individual investors.




You can always get your investment amount back in full with no capital losses.


You can invest for up to ten years, with interest that increases over time. The longer you hold on to your bond, the higher the returns.


You can choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.

Key Features

Features Details
  • Individuals aged 18 years and above
  • You will need an existing CDP Securities account linked to your UOB account. If you do not have an CDP Securities account, you can open one through SGX website with your MyInfo details
Term 10 years
Mode Pay from either a UOB bank account or a Supplementary Retirement Account (SRS) account with UOB
  • Paid every 6 months
  • At issuance, rates for the entire 10-year term are fixed based on the prevailing SGS yields and locked in for each issue
Issuance Monthly
Investment amount
  • Minimum of S$500, and subsequent multiples of S$500
  • Up to $200,000 in aggregate for both cash and SRS.

Note: S$2 per transaction for each application request

  • Monthly, with no penalty
  • Principal and any accrued interest will be paid

Note: S$2 per transaction for each redemption request

Non-transferable Savings Bonds cannot be transferred or sold to another person

Apply Now

Before you apply, all you need to have is a

  • CDP Securities account linked to your UOB Savings/Current account through Direct Crediting Service (DCS) if you are using cash
  • Supplementary Retirement Scheme (SRS) account if you are using SRS funds

Don’t have a SRS Account? Visit any UOB branch to open a UOB SRS Account today

Ways to apply

More Information

Call 1800 222 2121


The above information shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained herein, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information provided.

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$75,000 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$75,000 for each depositor per Scheme member.

This advertisement has not been reviewed by the Monetary Authority of Singapore.