The new "enhancements" to OCBC 360 in my view still makes it worth while to maintain 60k holding, if your salary is credited into it. 1.2%(salary) + 0.5%(pay 3 bills) + 0.5%($500 cc spending). That gives you a max of 2.2% interest p.a for the 60k. If we dont include the incremental bonus thats $1320 a year of risk free cash. Click here for full details on the new OCBC 360. UOB one account is a new addition where you only need to fulfill two criterias($500 spending on Uob one card and salary crediting/make 3 giro payments). It gives you a 2.43% interest pa for your first 50k. Theorectically, you can use both accounts simultaneously as they are non overlapping. Click here for full details on the new UOB One account. First method of spending and allocation: You can spend $1000 a month to get the ......