Accrual Bank Retail

Personal banking that earns its keep.

Checking, savings, mortgages, credit, and wealth. Designed to compound, priced to not annoy you.

Accounts and products

Built for the long run.

Every product is named after an accounting concept. We thought about stopping. We did not. Our analytics team ran a survey, the results were inconclusive, so we shipped the names anyway.

Checking

Compound Checking

A checking account that actually earns. 2.15% APY on balances up to S$50,000. Zero fees on everything that should be free.

Open Compound Checking
Credit

Ledger Line of Credit

A revolving line for the moments life does not match your pay cycle. Transparent rates. Auto-payoff available. Reconciled monthly.

Apply for Ledger
Mortgages

Milestone Mortgage

First home, forever home, or somewhere in between. Fixed and floating rates, digital approvals, and a human on the phone when you actually need one.

Get a quote
Savings

Escrow Express

For goals you are tucking money away for: the flat, the wedding, the thing you will not tell your partner about yet. 4.05% APY. The industry average on equivalent products is 2.8%, and we think that is too low. Choose a 3, 6, or 12-month lock-in. Rate guaranteed at time of lock.

Start saving
Wealth

Wealth Orbit

Advisory, portfolios, and estate planning for families with more zeroes than time. Dedicated relationship manager. Quarterly reviews. Available to clients with investable assets above S$500K. Available in Singapore, London, and Mumbai only.

Talk to an advisor
Cards

Accrual Bank One

Our flagship rewards card. 2 percent on everything, 5 percent on things you buy more than twice a month. Metal card if you insist. The "more than twice a month" decision is made by a model, which we retrain quarterly, which is a very polite way of saying we tune your rewards when nobody is looking.

See benefits
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Accrual Bank. Simple as that.
UI for the interface we put between you and banking complexity. Bank because, well, we are one. Our mortgage advisors have been saying it for nearly forty years and nobody has ever asked them to repeat it.
Why customers stay

82 percent stay longer than five years.

The industry average is 68 percent. We do not love a benchmark, but we love that one. (Accrual Bank internal cohort data, FY2025 annual review.)

No surprise fees

Every fee is itemized, in plain language, before you hit confirm. If we ever charge you for something you did not authorize, we refund it. Automatically.

Local humans

Call our support line between 7am and 10pm in your timezone and a real person picks up. We measure "time to first human", and we are proud of ours.

Boring security

FIDO2, hardware key support, and a fraud team that has never once asked you to install something weird. We aim for boring. We hit boring.

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Online account opening is coming.

We are rebuilding our account opening flow from scratch. No legacy forms. No PDF uploads. No "your session has expired". Launching Q3 2026. In the meantime, visit any of our Singapore, London, or Mumbai branches or call us between 7am and 10pm in your timezone.

Find a branch

Compound, not complicated.

Open your first Accrual Bank account in ten minutes. Bring your ID, your account details, and mild curiosity.

Open an account