This post is a continuation of my previous post on which bank account to use for expense funds. As I have mentioned previously, a good starting point for your personal finances is to sort out your bank accounts to maximise the interest earned. It's a one-time exercise to work this out and you get rewarded with subsequent higher monthly interest earned as long as you meet the requirements of the bank account. In Singapore, there tends to be a link between your bank account and credit card to earn the higher interest. For example, our OCBC 360 bank account third bonus interest of 0.50% pa is linked to the spending on our OCBC Robinsons and OCBC 365 credit cards. Emergency Funds I have been trying to insert basic images to illustrate my point, just so that the post won't be filled entirely with words. Hope this makes it more interesting to read ......