DBS e$aver | DBS Hong Kong

Latest offerDBS e$aver is a great way to help you grow your money. Save early & Grow more!Accelerate your savings to unlock extra bonus interest rate!

Diversify your savings into HKD and USD

Access your money flexibly as the interest is calculated on a daily basis

Accelerate your saving journey and grow your wealth with preferential savings rates

New Customer

Existing Customer

Join / upgrade to DBS Treasures¹ and deposit Eligible New Funds² to enjoy DBS e$aver Preferential Savings Rates

New DBS Treasures customers are required to maintain a monthly Total Relationship Balance of HK$1,000,000 or above

Apply Now

2026 January New Customer Exclusive Deposit Offer

e$aver Total Savings Interest Rate up to 5.8% p.a.³

Foreign Exchange Time Deposit Offer

Enjoy 1-week time deposit up to 16.00% p.a. by converting HKD or any foreign currency to AUD, CAD, RMB, GBP, NZD, USD or EUR via branch.

For details, please click here

Enjoy Total Savings Interest Rate up to HKD 5.2% p.a. | USD 5.8% p.a. within the Reward Counting Period~:

Enjoy Total Savings Interest Rate up to USD 5.8% p.a. within the Reward Counting Period

~Interest rate is calculated in daily basis and New Customer who fails to maintain such Eligible New Funds HK$500,000 and/or US$65,000 or above at the end of the Promotion on 31 March 2026 is not eligible to earn the Rewards.

How to calculate Total Savings Interest Rate?

^*Total Savings Interest Rate includes Basic Savings Interest Rate, Level-Up interest rate & e$aver Interest Rate. Please click here for the details of basic savings interest rate. All Total Preferential Savings Rates above are as of 31 December 2025 and for reference only.

Timetable of your fund in period

Benchmark Date (Upgraded Customers)	Join month	Reward Counting Period	Terms and Conditions⁵
31 December 2025	1-31 January 2026	1 January 2026 – 31 March 2026	Please click here for details

For details of “New DBS Treasures Customer Promotion”, please click here.
Eligible New Funds refers to the incremental balance comparing the MCY Account Balance within the Reward Counting Period to HKD / USD Deposit Balance on 31 December 2025, according to the Bank’s record.
Interest rate is calculated on a daily basis and New Customer who fails to maintain such Eligible New Funds HK$200,000 and/or US$25,000 or above at the end of the Promotion on 31 March 2026 is not eligible to earn the Rewards.
The Level-up Bonus Interest Rate is capped at first Eligible New Funds HK $500,000 and/ or US$65,000. Level-up Bonus Interest is only applicable to eligible customers who have complete any designated challenge(s) during the Reward Counting Period.
Terms and Conditions apply. Please click here for more details.

Do more to unlock a Level-Up Bonus Interest Rate up to 2.20% p.a.!⁴

+0.2%

Eligible Foreign Currency Exchange Transaction

Completes a single FX transaction of HK$100,000 or above (or equivalent in foreign currency), excluding any currency exchange transaction that buy currency is Japanese Yen (JPY).

+1.0%

Eligible Investment Transaction

Conducts specific Eligible Investment Transaction with an aggregate investment transaction amount of HK$100,000 or above (or equivalent in foreign currency) via the Eligible Customer’s Wealth Management Account.

+1.0%

Eligible Insurance Plans

Successfully submitted designated new application of basic plan of life insurance product(s), which are distributed by the Bank and underwritten by Manulife (International) Limited (“Manulife”).

Latest Offers

Expired Promotions

New Customer

Existing Customer

October 2025 November 2025 December 2025

Frequently Asked Questions

How do I join the DBS e$aver promotion?

For new customer: Successfully join DBS Treasures to enjoy the exclusive welcome rewards. New DBS Treasures customers needs maintain monthly Total Relationship Balance of HK$1,000,000 or above. Please click here to join us. You may deposit and maintains eligible new funds in your Multi-Currency Savings Accounts within the reward counting period to get the e$aver interest rate. Please refer to the terms and conditions for details.

For existing customer: Please review the terms and condition before registration. You may simply register e$aver promotion during the promotion period via DBS digibank HK App, deposit and maintain eligible new funds within the reward counting period to get the e$aver interest rate. Due to limited quota, the registration period may end early if the quota is full. Terms and Conditions apply.

How do I know I have successfully registered for the promotion?

You will receive a confirmation email from the Bank in the next working day after registration. If you do not receive the confirmation email, please check your spam folder, or register again within the registration period.

Can I quit e$aver during Reward Counting Period?

Once you have successfully registered e$aver, your e$aver offer will be valid till the end of Reward Counting Period. You can enjoy e$aver interests when you deposit Eligible New Fund and maintain the Eligible New Fund till the end of Reward Counting Period.

About e$aver DBS digibank HK App registration and track your e$aver progress

e$aver DBS digibank HK App registration and track your e$aver progress are currently only available for existing DBS customers, new DBS Treasures customers e$aver are not applicable at this moment.

About the Total Savings Interest Rate

Total Savings Interest Rate includes Basic Savings Interest Rate & e$aver Interest Rate. Please click here for details of Basic Savings Interest Rate. The e$aver Interest rate is calculated daily based on the day-end Eligible New Funds balance in the Multi-Currency Savings Account accrued during the Reward Counting Period.

Basic Savings Interest Rate is subject to revision in light of prevailing market conditions. The Basic Savings Interest Rate is not guaranteed, and the Bank reserves the right to revise the Basic Savings Interest Rate at any time and from time to time for any reason without any prior notice or giving any reason therefor. The Basic Savings Interest will be credited directly on or before the last day of each month.

How is the Eligible New Funds calculated?

New Customer e$aver: Eligible New Funds = Daily available balance in HKD / USD MCY Accounts Balance - HKD or USD Deposit Balance on Benchmark Date (excluding Time Deposits and Deposits inside Wealth Management Accounts)

Existing Customer e$aver: Eligible New Funds = Daily available balance of HKD or USD Deposit Balance - HKD or USD Deposit Balance on Benchmark Date.

Reminder: To borrow or not to borrow? Borrow only if you can repay! Risk Disclosure and Important Notice:
Foreign exchange involves risks. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate.

Investment Funds and Equity Linked Products (together “the Products”) are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary who sells them to you has explained to you that the Products are suitable for you having regard to your financial situation, investment experience and investment objectives. The Products are NOT equivalent to and are not treated as substitutes for time deposits, and are not principal protected. Equity Linked Products and some Investment Funds are classified as complex products by the Bank. You are advised to exercise caution prior to investing.

Securities trading is an investment which involves risks. The prices of stocks fluctuate, sometimes dramatically. The price of a stock may move up or down and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of trading stocks. You should also be aware that investing in foreign securities market involves foreign exchange risk, you may incur loss due to the fluctuation of exchange rate. The investment decision is yours but you should not invest in any stock unless you have taken into account that the relevant stock is suitable for you having regard to your financial situation, investment experience and investment objectives. Customers should be aware that the prices of the Callable Bull / Bear Contracts, Warrants and Exchange Traded Funds may fall in value as rapidly as they may rise and holders may sustain a total loss of their investment. The Bank does not provide securities advisory service.

The Products are NOT protected deposits and are NOT protected by the Deposit Protection Scheme in Hong Kong.

Any person considering an investment should seek independent advice on the investment suitability when considered necessary.

Disclaimer:
Investment involves risks. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Past performances are not indicative of future performances. You should carefully read the product offering documentation, the account terms and conditions and the product terms and conditions for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.The content of the webpage does not contain the full terms of the policy(ies), and the full terms can be found in the corresponding policy document(s). Before making a purchase, you should read the policy provisions for the exact terms and conditions that apply to these products. You can ask the Bank for a copy. You should not purchase any insurance plans solely on the basis of the promotional offer or the webpage. The webpage is about a promotional offer only. You should read it in conjunction with the product webpage/product guide, proposal and policy provision for product details. Please ask the Bank for a copy of the policy provision, proposal and the product webpage/product guide which will give you more details about the products including the ‘Important Information’ showing, among other things, the product risks. If you are in doubt, please seek independent professional advice.In the webpage, ‘you’ and ‘your’ refer to the policyowner. For more information, please contact the licensed staff of the Bank.Life Insurance Plan is an insurance product and is neither a bank deposit nor a bank saving plan. The following risk disclosures and important notes are made to you by the Bank:

For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.

For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product webpage and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.

If you are not happy with your policy, you have a right to cancel it within the coolingoff period and get a refund of any premiums and any levy paid. To do this, you must give Manulife, within the cooling-off period, your written notice signed by you at Individual Financial Products, Manulife (International) Limited, 22/F, Tower A, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong. In other words, your written notice to cancel your policy must reach Manulife directly at the relevant address within a period of 21 calendar days immediately following the day Manulife delivers to you or your nominated representative the policy or a notice telling you about the availability of the policy and the expiry date of the cooling-off period, whichever is the earlier. After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (only applicable for life insurance plans with cash value) that you will receive may be considerably less than the total premium you have paid.

Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.

Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the surrender value Manulife projects.

You are reminded to refer to the product webpage/product guide for details of product risks.

The Bank, being registered with the Insurance Authority as a licensed insurance agency, is appointed as an insurance agency of Manulife for the distribution of life insurance products in the Hong Kong Special Administrative Region.

The Bank distributes the product for Manulife and the product is a product of Manulife but not the Bank.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.

Explore More

Savings Promotions

DBS e$aver Deposit Promotion

Join / upgrade to DBS Treasures¹ and deposit Eligible New Funds² to enjoy DBS e$aver Preferential Savings Rates

2026 January New Customer Exclusive Deposit Offer