Zenny Bank · Comparison

Compare savings accounts

Choose by effort, liquidity, and where your cash sits.

Dimensions	Zenny Wealth Anchor Account A Priority relationship account for larger working balances. Priority	Zenny Bonus Flow Account Rewards you for running your salary, spend and services through Zenny. High-yield	Zenny eSaver Flex Account A low-effort place for short- to medium-term SGD cash. Flexible	Zenny USD Reserve Account USD-denominated savings for global obligations and opportunities. Multi-currency
Role (what this account is for)	Primary cash hub for clients who keep meaningful balances as part of a broader plan.	Main operating account when you’re willing to optimise behaviour monthly.	A flexible savings pot for emergency funds and near-term goals.	USD cash sleeve for investing, overseas expenses, and future optionality.
Net-of-effort return story	Rewards stable balances and a deeper relationship—designed to feel like “wealth cash management”, not a promo silo.	Higher return when you consolidate activity (income + card spend + selected services) into one relationship.	Competitive yield with minimal ongoing behaviour—optimised for simplicity and access.	Earn interest on USD balances while intentionally holding FX exposure as part of a global life.
Effort profile	Moderate: return improves as more of your relationship sits with Zenny.	Higher: you actively meet a clear monthly checklist to unlock bonuses.	Low: fund, hold, withdraw when needed—no complex monthly missions.	Low to moderate: you decide when to convert and how much USD to hold.
Liquidity & access	Everyday access; designed for stability rather than constant in-and-out movement.	Funds are accessible; bonuses are typically earned month-by-month based on activity.	On-demand access; no formal lock-in tenure.	On-demand USD access for transfers, investing, and cross-border commitments.
Optimised balance band	Mid- to high-six-figure SGD working balances.	Salary inflow + spending float; best when you keep a consistent monthly rhythm.	Everyday buffer to mid-level savings up to the product’s balance cap.	Best for clients with recurring or meaningful USD needs.
Conditions (plain English)	Relationship-driven uplift; fewer monthly “missions”, more holistic behaviour.	A short set of monthly behaviours (credit income, spend, sometimes invest/insure) unlocks higher interest.	Straightforward terms; return is primarily balance-driven.	No bonus ladder focus; the key decision is FX exposure comfort and intended USD use.
Eligibility	Priority Banking or above; minimum opening and ongoing balances apply.	Designed for affluent clients comfortable with tracking conditions.	Low-friction opening for Priority and rising affluent clients.	Suitability / knowledge checks may apply for FX-linked behaviour.
Action	Open account	Open account	Open account	Open account

Rates and bonus criteria can change. The comparison focuses on how each account works, not promotional headlines.

Zenny Wealth Anchor Account

A Priority relationship account for larger working balances.

Priority

Role (what this account is for): Primary cash hub for clients who keep meaningful balances as part of a broader plan.
Net-of-effort return story: Rewards stable balances and a deeper relationship—designed to feel like “wealth cash management”, not a promo silo.
Effort profile: Moderate: return improves as more of your relationship sits with Zenny.
Liquidity & access: Everyday access; designed for stability rather than constant in-and-out movement.
Optimised balance band: Mid- to high-six-figure SGD working balances.
Conditions (plain English): Relationship-driven uplift; fewer monthly “missions”, more holistic behaviour.
Eligibility: Priority Banking or above; minimum opening and ongoing balances apply.

Open account

Zenny Bonus Flow Account

Rewards you for running your salary, spend and services through Zenny.

High-yield

Role (what this account is for): Main operating account when you’re willing to optimise behaviour monthly.
Net-of-effort return story: Higher return when you consolidate activity (income + card spend + selected services) into one relationship.
Effort profile: Higher: you actively meet a clear monthly checklist to unlock bonuses.
Liquidity & access: Funds are accessible; bonuses are typically earned month-by-month based on activity.
Optimised balance band: Salary inflow + spending float; best when you keep a consistent monthly rhythm.
Conditions (plain English): A short set of monthly behaviours (credit income, spend, sometimes invest/insure) unlocks higher interest.
Eligibility: Designed for affluent clients comfortable with tracking conditions.

Open account

Zenny eSaver Flex Account

A low-effort place for short- to medium-term SGD cash.

Flexible

Role (what this account is for): A flexible savings pot for emergency funds and near-term goals.
Net-of-effort return story: Competitive yield with minimal ongoing behaviour—optimised for simplicity and access.
Effort profile: Low: fund, hold, withdraw when needed—no complex monthly missions.
Liquidity & access: On-demand access; no formal lock-in tenure.
Optimised balance band: Everyday buffer to mid-level savings up to the product’s balance cap.
Conditions (plain English): Straightforward terms; return is primarily balance-driven.
Eligibility: Low-friction opening for Priority and rising affluent clients.

Open account

Zenny USD Reserve Account

USD-denominated savings for global obligations and opportunities.

Multi-currency

Role (what this account is for): USD cash sleeve for investing, overseas expenses, and future optionality.
Net-of-effort return story: Earn interest on USD balances while intentionally holding FX exposure as part of a global life.
Effort profile: Low to moderate: you decide when to convert and how much USD to hold.
Liquidity & access: On-demand USD access for transfers, investing, and cross-border commitments.
Optimised balance band: Best for clients with recurring or meaningful USD needs.
Conditions (plain English): No bonus ladder focus; the key decision is FX exposure comfort and intended USD use.
Eligibility: Suitability / knowledge checks may apply for FX-linked behaviour.

Open account

Rates and bonus criteria can change. The comparison focuses on how each account works, not promotional headlines.