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Put your spare cash to work without locking it away
Earn up to 2% p.a. with steady returns and the flexibility to withdraw whenever. No salary crediting, card spend or extra boxes to tick.
More from your cash, without more to manage
No complicated requirements
Skip the banking gymnastics. Earn your base rate without a long list of conditions to keep up with.
See your balance grow daily
Returns are calculated and credited every day, so you can see what you’ve earned as you go.
Easy access to your cash
No lock-ins or withdrawal penalties. So your money is there for unexpected expenses and everything in between.
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Built to support steadier returns
2% p.a.
1.85% p.a.
Note: The illustrated target base rate of 2% p.a. on the first S$20k and 1.85% p.a. on the next S$30k are supported under the Arki Stability and Access Programme. T&Cs apply.
Keep up the good habits and unlock a better rate
Complete two monthly missions and the rate on your first S$20k goes up to 2.1% p.a. Your good money habits just got more rewarding.
Make a net deposit of at least S$100 each month
Mission 1
Make sure your total deposits exceed your total withdrawals by at least S$100 each month.
If you deposit S$500 and withdraw S$300 in the same month, your net deposit is S$200, so you’ve completed the mission.
Maintain a S$3,000 average balance in each bucket
Mission 2
Maintain an average balance of at least S$3,000 in each bucket throughout the month.
In a 30-day month, keeping S$3,000 invested for all 30 days gives you a S$3,000 average daily balance. If you start later in the month, you’ll need to invest more to bring your average up to S$3,000.
See what your cash could earn
Move the slider and see your estimated returns with ARKI Cash.
S$50,000
S$975
Note: The estimated returns shown in the illustration above is based on the target base rate of 2% p.a. on the first S$20k and 1.85% p.a. on the next S$30k, which is supported under the Arki Stability and Access Programme. For balances above S$50k, the calculator assumes an illustrative rate of 1.85% p.a., actual returns may vary. T&Cs apply. ARKI Cash is a managed investment portfolio, not a bank deposit or savings account. Returns from the underlying investments are not guaranteed.
Here’s how ARKI Cash stacks up against other cash options
Note: The indicative rates are as of 4 September 2026. High Yield Savings Account and Fixed Deposit rates vary by provider, balance, tenure and qualifying conditions. Singapore Savings Bond rates are based on the October 2026 issue. ARKI Cash rates illustrated above is based on the target base rate of 2% p.a. on the first S$20k, supported under the Arki Stability and Access Programme. T&Cs apply.
For money you might need sooner than later
Unexpected bills, repairs, and those moments when “just in case” becomes right now.
Holidays, weddings, renovations, and the plans that are closer than they seem.
For when you’re watching the market and waiting for something worth jumping on.
See what’s working behind the scenes
Your cash doesn’t just sit in one place. It’s spread across a diversified mix of low-risk, liquid assets managed by some of the world’s leading fund managers.
Frequently asked questions
For funds you might need to utilise in the near term — think an emergency fund, a near-term goal, or cash you're setting aside for upcoming expenses.
You can view the full model portfolio for ARKI Cash in the Arki app.
While the Arki Stability & Access Programme currently provides promotional support to help eligible balances continue growing, this is a promotional feature — not a guarantee — and may be amended or withdrawn.
Outside the programme's terms, returns are not guaranteed and capital loss remains possible.
