no, but no interest will be earned if balance is under sgd 1000

My guess is that CIMB Clicks MY layout looked the same 20 years before

For the ones at CIMB SG, which account you use:
Star Saver or Fast Saver?

Above 50k Fast Saver is more attractive.

No minimum balance, but also no interest for days with less than SGD 1000 in the account.

Yes, still keeping 100k SGD in the Fastsaver. Interest rate is 0.825, monthly interest is roughly SGD 70 per month. As I am not keeping my SGD for interest reasons that is OK for me in these times. No FD promo around, so what else to do?

The thing is the same with all that money market products. Certainly it the past it was so easy for them to earn 1.4% p.a. (nett) and more. But can they do it in Q4 of 2020? That would be the interesting questions. So if anyone invests in this products, don´t tell how they performed in 2019, tell about 1st July up to today.

By the way, for example, if they managed to perform 2.8 in Q1 and Q2 and 1.4 in Q3 and 0.0 in Q4 that means nice 1.75 p.a.

But if you joined now it means zero profit for you. I see that this product is calculated differently, but basically it is in that way.

I wonder who is not qualified. Babies and kids?

No, the Europeans also use. And they get their TIN a few days after they are born and will keep all their life. The baby not even need to be a citizen to be welcomed in the big family of taxpayers