小孩银行账户

alaincheong · 发表于 28-2-2017 08:01:49|来自：香港

不知道新加坡小孩银行账户有哪些局限，哪家银行的配套比较好。

vivocity2010 · 发表于 28-2-2017 13:09:29|来自：香港

网上找来的信息
ePOSBkids

• Eligibility – up to 15 years
• Joint-alternate account (either joint, or parent or child singly)
• No minimum deposit or fall-below fee until 21
• No coin deposit fee until 16 (good for piggy bank savings)
• ATM card for joint account
• More than 100 branches, including 15 weekday evening branches
• Freebies – free 6-month Popular card (age 7-15), $1 gift deposit, limited SG50 smiley coin bank (this year)
• From 13 July 15, POSB will be offering parents an interest rate of 2% p.a. for the entire duration on their Child Development Accounts (CDAs)
OCBC Mighty Savers

• Eligibility – 16 and below (under 5, joint account)
• Young savers (sole/joint account), or passbook/statement/school savings (trust account)
• No minimum deposit, minimum $1 balance
• 55 branches, including 16 full-service on Sundays 11am-7pm, priority queue for kids
• Freebies – wrist band, stationary set, sling bag
UOB Junior Savers

• Fall-below fee – $2 if below $500
• Free monthly funds transfer from parent’s account (UOB or other banks)
• ATM card (NETS, PLUS)
• 68 branches
• Free insurance up to 100% of deposit (min. $3000 in account)
Maybank Youngstarz

• Eligibility – below 16
• Trust account
• Minimum deposit $10
• 22 branches
• Highest interest 0.1875-0.375%
• Personal accident and/or HFMD insurance (min. $2000 in account)
Standard Chartered e$aver Kids
• Eligibility – below 21
• Trust account
• No minimum deposit (min. monthly $50 transfer), no fall-below fee
• $5 per cash withdrawal
• 19 branches
• 0.1-0.25% interest
Citibank Junior Savings
• Eligibility – below 18
• Trust account
• No minimum deposit, no fall-below fee
• ATM (above 15 years)
• 22 branches
• If it’s interest rates that you are keen on, then either the Maybank or Standard Chartered ones would be best, if you are comfortable with less branches available islandwide.

UOB Junior Saver

Criteria
• For Children under 16
• Actual types of accounts unstated
Pros
• ATM cards provided
• Free insurance coverage for parents up to 100% of deposit ( minimum $3000)
• Decent number of branches island wide

Cons
• Fees of $2 if account falls below $500
• Low interest rates from 0.05%

Maybank Youngstarz

Criteria
• Trust account for Children under 16
• Minimum Deposit of $10
Pros
• High interest rates from 0.1875
• Personal accident insurance (With Min $2000 deposit and other terms)
• Hand Foot Mouth Insurance (With Min $2000 deposit and other terms)
Cons
• Has to open as a trust account and operate by parents only
• Limited branches island wide

Standard Charted e$aver Kids

Citeria
• Trust Account for children under 21
Pros
• Higher Interest rates at 0.1%
Cons
• Has to open as a trust account and operate by parents only
• Limited branches island wide
• $5 per cash transaction

CIMB Junior Savers

Criteria
• Trust account for children under 12
Pros
• Highest Interest rates from 0.5%
• Step up interest to 0.8% with monthly increasing balance of $100
Cons
• Has to open as a trust account and operate by parents only
• Only 2 branches in Singapore
• Monthly account fee of $1 for statement
• Minimum $1000

Citi Junior Savers

Criteria
• For Children age below 18
Pros
• ATM card and online banking for children age 15 and above
Cons
• Limited access to accounts for children under 15
• Limited branches

我推荐POSB