The Best Financial & Lifestyle Products Based on Real User Reviews (January 2021)
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The Best Financial & Lifestyle Products Based on Real User Reviews (January 2021)

profileMing Feng
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Why SeedlyReviews?

Sick and tired of companies and brands patting themselves on the back a little too hard?

It’s like EVERYONE is the best telco or broadband provider in Singapore.

And EVERYONE is the best robo-advisor or has the best investment course in Singapore.

patting yourself on the back
Source: Giphy

Imagine trying to search for the best product to spend your hard-earned money on.

Only to be met with positive reviews and 5-star ratings (left by who?!) plastered over every single financial and lifestyle product out there.

Sell koyok (Singlish: snake oil) sia…

I mean, let’s be honest, every product sure has it’s pros and cons, right?

That’s why we started SeedlyReviews, a platform to gather unbiased, real user reviews to help YOU make smarter financial decisions as a consumer.

Screenshot of SeedlyReviews

How do you know that they’re real?

Well… they’re all left by our Seedly community members.

That’s right.

Singaporeans like you and me, who just want to share their perspectives on various financial and lifestyle products that most of us would use every other day.

And no one paid any of us to leave a review.

We just want to share our experiences and help other Singaporeans make a smarter decision.

So every review you see here is as objective and as unbiased as they come.


SeedlyReviews: What Are Singapore’s Top Financial and Lifestyle Products For January 2021?

By the way, we are NOT paid to list any particular company or brand in this list.

In fact, this definitive list of Singapore’s top financial and lifestyle products was put together based on the reviews left on Seedly.

Here’re the criteria which we used to shortlist the best of the best:

  • What’s the average rating?
  • What’s the number of reviews?
    If a product has 400 reviews with an average rating of 4 vs a product with only one review and a rating of 5, we’ll prioritise the one with more reviews as it gives a better insight!
  • How recent are the reviews?
    The more recent the reviews are, the better!
  • How active are they in addressing negative reviews?
    It’s normal to receive a negative review because of an unfortunate experience, but if the company is proactive about addressing the issue and resolving the problem. That’s a win in everyone’s books!

Let’s find out which are the top financial and lifestyle products as reviewed by Singaporeans, for Singaporeans shall we?

SeedlyReviews Best Financial Products in Singapore January 2021

Lifestyle

Investment

Insurance

Oh, you might wanna bookmark this article too as we’ll be updating it every month!

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This way, you’ll be the first to know which are the best products in the market to get!


Best Savings Account in Singapore

Everyone needs a savings account.

Jumping on a savings account that allows you to maximise your interest rate can help you stretch their savings.

For savings accounts with more than 170 reviews on SeedlyReviews, we have:

  • CIMB FastSaver Account
  • DBS Multiplier Account
  • OCBC 360 Account
  • OCBC Frank Account
  • Standard Chartered JumpStart Account

Even with the gradual decrease of its interest rates. Standard Chartered JumpStart Account seems to be the best savings account with a 4.9 rating across 692 reviews (for now).

Standard Chartered JumpStart Review

If you’re above 26 years old and can’t qualify for the SCB JumpStart anymore, the DBS Multiplier Account is the next best option with a 4.4 rating across 261 reviews.

Real User Reviews on Savings Account 

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Best Electricity Retailer in Singapore

Electricity bill too high since we’re all working and studying from home right now?

Then you’re going to want to switch to the best electricity retailer in Singapore.

For the best electricity retailers with more than 300 reviews (all with an average rating of at least 4.0) on SeedlyReviews, we have:

  • Keppel Electric
  • Ohm Energy
  • Tuas Power

Tuas Power takes the top spot with an average rating of 4.8 across 363 reviews.

Their latest reviews are pretty recent (only a few hours old as of the time of writing).

Tuas Power Review

Ohm Energy isn’t too far off with an average rating of 4.9 across 313 reviews.

Real User Reviews on Electricity Retailers

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Best Mobile Plan in Singapore

Almost everyone has a phone today.

Naturally, the competition amongst the 13 telcos to offer the best mobile plan in Singapore is always high.

For the best mobile plans with more than 350 reviews (all with an average rating of at least 4.3) on SeedlyReviews, we have:

  • Circles.Life
  • giga!
  • GOMO
  • MyRepublic

Circles.Life is the favourite telco amongst Singaporeans, with a 4.3 rating across 587 reviews.

Big kudos to the team for actively responding to user feedback.

Circles.Life Review Customer Response

Next in line is MyRepublic which gathered 366 reviews and earned an average rating of 4.3.

Real User Reviews on Telcos

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Best Remittance Platform in Singapore

Wondering which is the best remittance platform in Singapore to send money overseas?

Based on the reviews left on SeedlyReviews, that accolade belongs to InstaReM which has a 4.7 rating across 498 reviews.

InstaReM Review Customer Response

It’s clear that the team takes great pride in their product as they’re actively responding to every review.

And are highly receptive of constructive feedback in their quest to make their customers’ experience better!

Real User Reviews on Remittance Platforms  

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Best Broadband Provider in Singapore

Everyone needs wifi at home.

Even more so since we’re at home most of the time now.

So naturally, you’ll want to know who is the best broadband provider in Singapore with the most stable connection for a reasonable price.

MyRepublic takes the top spot with an average rating of 4.4 across 1,279 reviews.

MyRepublic Broadband Review

But if you’re looking to choose between the top 3 broadband service providers (all with more than 60 reviews) in Singapore:

  • M1
  • StarHub
  • Singtel

M1 Broadband comes up on top with an average rating of 3.8 across 69 reviews.

However, we have to point out that the most recent reviews have all pointed out the repeated service disruptions during December 2020…

Real User Reviews on Broadband Providers 

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Best Multi-Currency Card in Singapore

We might not be travelling anytime soon but we can always use multi-currency cards for the best rates when shopping at overseas-based online shops!

Wondering which is the best multi-currency card in Singapore?

For the best multi-currency cards with more than 250 reviews (all with an average rating of at least 4) on SeedlyReviews, we have:

  • MCO Visa Card
  • Revolut
  • YouTrip

YouTrip is the clear favourite with an average rating of 4.7 across 491 reviews.

YouTrip Review

MCO Visa Card is the second choice of Singaporeans with a 4.8 rating across 288 reviews.

Real User Reviews on Multi-Currency Cards

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Best Debit Card in Singapore

If you’re a broke student or first-jobber, you probably don’t have a credit card yet.

But that’s okay.

You can always use one of these best debit cards to buy stuff online and use as an ATM or EZ-Link card.

If you read the reviews on SeedlyReviews, you’ll find that the favourite amongst Singaporeans is the POSB PAssion Debit Card, which has an average rating of 4.6 across 41 reviews.

POSB PAssion Debit Card Review

Real User Reviews on Debit Cards

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Best Robo-Advisor in Singapore

Robo-advisors are getting popular in Singapore as they offer investors a relatively fuss-free way to invest a fixed amount of savings.

Wondering which is the best robo-advisor in Singapore?

For the best robo-advisors with more than 150 reviews (all with an average rating of at least 4), we have:

  • AutoWealth
  • Endowus
  • StashAway
  • Syfe

StashAway seems to be the most popular robo-advisor in Singapore with a 4.8 rating across 768 reviews.

StashAway Review

Next up is Syfe which has a 4.7 rating across 582 reviews.

If you have an investment-related question, you’ll appreciate the fact that the Syfe team is actively answering questions left by the community!

Syfe Review Question Answered

Real User Reviews on Robo-Advisors

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Best P2P Lending Platform in Singapore

P2P lending platforms are becoming a go-to for small companies trying to get financial backing.

And for Singaporeans looking for alternative investments.

How do you choose a reputable platform to invest with?

.

.

.

Yep.

By checking out real user reviews on Seedly to get a better understanding before putting your money in!

Overall, the most popular choice amongst Singaporeans is Funding Societies with a 4.1 rating across 321 reviews.

Their most recent review is a few hours old.

Funding Societies Review

Next up is BRDGE who clocked a 4.7 rating across 165 reviews.

Real User Reviews on P2P Lending

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Best Online Brokerage in Singapore

Planning to trade or invest?

Then you’ll want to find out which is the best online brokerage in Singapore.

For the best online brokerage with more than 150 reviews on SeedlyReviews, we have:

  • FSMOne Fundsupermart
  • PhillipCapital (POEMS)

FSMOne Fundsupermart takes the top spot with an average rating of 4.3 across 165 reviews.

A big shoutout to them for responding professionally to the community’s feedback even if it is a negative one.

FSMOne Review Respond Customer Feedback

Close behind is PhillipCapital (POEMS) with a rating of 3.9 averaged across 158 reviews.

Real User Reviews on Online Brokerages

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Best Investment Course in Singapore

When it comes to finding the best investment course in Singapore.

It’s hard to tell what the course will be like just looking at the curriculum. 

So the best way is to rely on real user reviews.

For the best investment courses with more than 300 reviews (all with an average rating of at least 4.7)on SeedlyReviews, we have:

  • DrWealth
  • The Systematic Trader
  • Trading With Rayner
  • VI

Trading With Rayner takes the top spot with an average rating of 4.8 across 394 reviews.

Trading With Rayner Review

Not too far off is The Systematic Trader with a 4.9 rating averaged across 1,198 reviews.

Real User Reviews on Investment Courses

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Best Travel Insurance In Singapore

It’ll be a while before we start travelling again.

But it never hurts to know which is the best travel insurance in Singapore to get when we can finally head overseas again.

For the best travel insurance with more than 150 reviews on SeedlyReviews, we have:

  • FWD Travel
  • NTUC Income Travel Insurance
  • Tiq Travel

NTUC Income Travel Insurance is a hot favourite with a 4.5 rating across 511 reviews.

NTUC Income Travel Insurance Review

Tiq Travel Insurance is a close second with an average rating of 4.7 across 166 reviews.

Tiq Travel Insurance Review

Overall, the reviews for most of the travel insurance products on Seedly are slightly old.

But that’s understandable as no one has been travelling in 2020 due to the COVID-19 pandemic.

Real User Reviews on Travel Insurance

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Best Car Insurance in Singapore

Are you a driver looking for the best car insurance in Singapore?

NTUC Income Drivo Car Insurance seems to be the favourite as it scored an average rating of 4.8 across 56 reviews.

NTUC Income Drivo Car Insurance Review

Real User Reviews on Car Insurance

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Best Personal Accident Insurance in Singapore

Does your work or lifestyle put you at risk of injury, disability, or even accidental death?

Then you might be looking for the best personal accident insurance in Singapore.

Manulife ReadyProtect Personal Accident Insurance seems to be the favourite amongst Singaporeans with an average rating of 4.8 across 59 reviews.

Manulife ReadyProtect Personal Accident Insurance Review

Real User Reviews on Personal Accident Insurance

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Best Health Insurance in Singapore

Choosing the best health insurance plan is not as simple as it looks.

Besides the price and coverage, how will you know which plan has the easiest claims process?

That’s where the real user reviews on SeedlyReviews will help.

The clear favourite of the community seems to be NTUC Income IncomeShield Integrated Shield Plan with an average rating of 4.5 across 284 reviews.

NTUC Income IncomeShield Integrated Shield Plan

Real User Reviews on Health Insurance

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Best Insurance Savings Plan in Singapore

Looking for something in between an insurance plan and a savings account?

Then you’re probably looking for the best insurance savings plan in Singapore.

Since the product is widely accessible, it’s not surprising that the Singlife Account clocks in with a 4.5 rating across 136 reviews.

Singlife Account Review

Hopefully, more users can also chime in with their experience with Singtel Dash EasyEarn and Tiq GIGANTIQ.

So we can all make a better and more informed decision.

Real User Reviews on Insurance Savings Plans

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About Ming Feng
A stint in Bloomberg gifted me with a beer belly, which only grew larger when I moved on to become a Professional Trader. Now I turn caffeine into digestible finance-related content.
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