Earn 2% p.a. on your first S$20k. Minus the usual fuss.
No salary crediting. No minimum card spend. No lock-ins. Just a simpler way to put your spare cash to work with ARKI Cash.
*T&Cs apply. Rates are supported under the Arki Stability and Access Programme, learn more here. By signing up, you agree to Arki’s Terms of Use and Privacy Policy.
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Get more from your cash, with less hassle
Skip the usual requirements
No salary crediting, card spend or complicated conditions to earn your target base rate.
See your cash grow daily
Your returns are credited every day, so you can see your cash working for you day by day.
Withdraw when you need to
Your money isn’t locked away for a fixed term, so you can access it when you need it.
Get started in just a few minutes
Keep more of your cash earning at competitive rates
2% p.a.
1.85% p.a.
Up to 1.85% p.a.
Note: The illustrated target base rates 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. Balances above S$50k earn returns based on the underlying portfolio performance, capped at 1.85% p.a. T&Cs apply.
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Built to support steadier returns
ARKI Cash is supported by the Arki Stability and Access Programme. If your returns fall short of the target base rate, we top up the difference on your first S$50k. Because your rainy-day money doesn't need more rainy days.
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 of a target base rate of 2% p.a on the first S$20k balance, supported under the Arki Stability and Access Programme. T&Cs apply.
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 are based on a target base rate of 2% p.a. on the first S$20k and 1.85% p.a. on the next S$30k. These rates are supported under the Arki Stability and Access Programme. 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.
Security at every layer
Your assets are kept separate
Your money is held separately from Arki’s own funds with regulated banks. So you can have a peace of mind knowing your assets remain yours, even if Arki stops operating.
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Secure access to your account
We use Singpass and 2-factor authentication to verify it’s really you and keep unauthorised access out. Because access to your account should stay in your hands.
Hear from those
who trust us
Frequently asked questions
Through Arki, Arki Finance manages your investment portfolio on a discretionary basis, in line with your selected portfolio objectives and risk profile.
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.
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.
This fee structure applies only to eligible clients and eligible balances during the Programme's promotional period — outside of that, standard fee terms would apply. Please refer here for the full details.
The programme is promotional in nature and does not constitute capital protection, a guaranteed return, or an assurance of performance.
• First S$20,000: up to 2.00% p.a.
• Next S$30,000: up to 1.85% p.a.
Anything above S$50,000 isn't covered by these promotional rates and instead reflects the actual performance of the underlying portfolio.
The promotional rates are reviewed periodically and may change based on market conditions, including prevailing MAS 6-month SORA levels.
