Singapore dollar deposits held by or for an individual or a charity will be insured in accordance with and for up to the limits specified in the Deposit Insurance Act.

On top of that, there are
    - No charges for operating this account
    - No monthly bank charges 
    - No service fees
    - No cap on the deposit amount

There are also no cheque books, no ATM cards and no third-party bill payment, which reduces the temptation to draw down the savings you have worked so hard to set aside.

So make your savings work harder for you and move them over to finatiQ today. The sooner you do this, the more you benefit from this attractive offer which is valid from 16th April 2009 to 31st May 2009 (inclusive of both dates).

Getting started 

Getting started If you're an existing finatiQ.com customer, you're already enjoying the interest rate of 0.40% p.a. on the balances in your Cash Management Account right now. In addition, as a bank licensed by the MAS, your deposits with finatiQ is fully guaranteed by the Singapore Government until 31st December 2010 .

To begin, kindly send us a secured email providing the full name and contact number of your friend via your finatiQ login, select 'Secured Mailbox' and 'Compose'. Start recommending your friends to open an account with finatiQ today!

Terms and conditions apply.

1. Eligibility

1.1 The Promotion is open to all Eligible Accounts as described in these terms and conditions only.

1.2 "Eligible Accounts" refers to the Investment Accounts (Accounts operating under a single name only) held with finatiQ, a division of Bank of Singapore Limited ("finatiQ" or "finatiQ.com") which are in good standing at all times during the Promotion as determined by finatiQ at its sole and absolute discretion.

1.3 “New Account” refers to a new account, which is to be opened and maintained by a Third Party with finatiQ within the Promotion Period.

1.4 “Third Party” means a single third party individual referred by an Eligible Customer to open a New Account with finatiQ within the Promotion Period. For the avoidance of doubt, such third party individual cannot be a person who has closed an account with finatiQ within the last 6 months prior to the day an application is made by such an individual for a New Account."

2. Member-Get-Member Promotion April 2009 (the "Promotion")

2.1 The “Member-Get-Member Promotion April 2009 Period” shall be from 16 April 2009 till 31 May 2009 (both dates inclusive). The entitlement of a customer of an Eligible Account (an “Eligible Customer”) to the Promotion shall be based on the following conditions:

(a) An Eligible Customer has referred to finatiQ a successful account application from a Third Party and the New Account must be successfully opened and activated within 30 days from the day the Eligible Customer informs finatiQ that he has referred a Third Party to open an account with finatiQ.  Alternatively, if an account has already been opened by a Third Party with finatiQ, an Eligible Customer may still be entitled to participate in the Promotion provided always that such Eligible Customer is able to show evidence to the satisfaction of finatiQ that such Third Party was referred by him to finatiQ within 5 days from the day such an account is successfully opened and activated. Upon activation of the said account(s) mentioned in this Clause 2.1(a), "Extra Interest" will accrue from the date of the successful activation of a New Account up till the last day of the second calendar month following the calendar month in which the relevant New Account was successfully opened and activated.

(b) All New Accounts must be successfully opened and activated within the Promotion Period.

(c) The Promotion is valid per Eligible Customer per Eligible Account.

(d) Extra Interest on the Eligible Account (operating under a single name only) is computed daily and credited to the Eligible Account at every month end.

For the purpose of these terms and conditions, “Extra Interest” is calculated at additional 50% of the prevailing interest rate of an Eligible Account. The Extra Interest shall be paid to an Eligible Customer at the end of each consecutive month. For the avoidance of doubt, the said rate shall be altered, amended or changed by finatiQ from time to time at its sole discretion.

The following is an illustration of how Eligible Customers could be entitled to Extra Interest:

(e) finatiQ may at any time at its absolute discretion, without notice or assigning any reason therefore, delete, vary, supplement, amend or modify any one or more of these terms and conditions in such manner as finatiQ shall think fit, including without limitation, the eligibility of any customer and the bases and methods of determination of eligibility. finatiQ shall not, to the extent permitted by law, be liable to for any claims, costs, expenses, loss or damage suffered by any person as a result of the aforementioned matters.

(f) These terms and conditions shall be governed by the laws of Singapore and the participants to the Promotion irrevocably submit to the non-exclusive jurisdiction of the courts of Singapore.