Vivid Savings
Our Vivid Savings account with Prepaid Mastercard offers easy digital access while helping to optimise your savings.
Features and Benefits
Enjoy higher interest rates along with the convenience of accessing your funds securely
Highest Interest Rates
Watch your money grow with competitive rates.
No Fall-Below Fee
Minimum balance of $200 must be maintained at all times.
SFL LockFunds
Lock deposits to prevent transfers and scams.
No Income Statement Required
Get approved fast with just your basic details—no paperwork, no hassle.
Low Minimum Deposit
Minimum deposit just $500.
e-Wallet App
Keep track of your card spending transactions via Vivid e-Wallet app
Spending power in your hands
Our Vivid Card is a prepaid Mastercard, perfect for secure online payments and flexible spending. Widely accepted and safer than cash.
Interest rates
Daily balance
Interest rate (%) p.a*^
$1.00 - $10,000.00
0.60%$10,000.01 - $200,000.00
1.28%$200,000.01 and above***
0.60%*Interest rates quoted are subject to change at any time without prior notice. Terms and conditions apply.
^Interest is calculated based on each end day balance in your Vivid Savings Account and credited at the end of the month.
*** The entire Vivid Account balance will be calculated at 0.60%(p.a.) if it exceeds $200,000 (Including interest credit)
Interest rates effective from 01 Oct 2025
Eligibility
Who can apply?
- 16 years old and above
- Singaporeans and Permanent Residents only
What documents will I need?
- Singpass Account
- Your mobile number and email address must be updated in your Singpass account.
Fees & charges
Early Card Termination Fee
$30.00 per card
(if card is terminated within 6 months)
Card Replacement Fee
$20.00 per card
Transaction Investigation Fee
$30.00 per card
ATM PIN Reset
$5.00 per card
ATM Withdrawal Fee
Minimum 0.80% per withdrawal on withdrawn amount1
Subject to additional network charges
ATM Decline Fee
$2.00 per withdrawal
ATM Balance Inquiry Fee
$2.00 per inquiry
Cross Border / Cross Currency / Issuer Forex Fee
3.00% on the transaction amount2
Foreign exchange rate as determined by MasterCard
1 SFL does not operate the ATM Network and therefore, usage is subjected to the ATM Network utilization charges.
2 Foreign exchange rate as determined by MasterCard
Others
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law.
Please refer to SFL List Of Insured Deposits for a list of SFL accounts that are covered under the Scheme.
Please refer to for more information and to download