Many businesses in Singapore manage their day-to-day operations through established banks like UOB, DBS and OCBC, using their business accounts for transactions and payrolls. While these accounts offer reliability and seamless payment systems, they typically provide minimal to no interest returns on idle cash. This means that surplus funds often remain underutilized. With interest rates still elevated in 2025, this creates an opportunity cost for businesses that hold excess capital in low-yield accounts. That’s why more SMEs, startups, and finance teams are now exploring modern alternatives that can help grow their cash reserves more efficiently – all without compromising on access or security. This is where modern cash management and corporate treasury solutions come in. In this article, we compare features and interest rates for popular business accounts in Singapore.

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