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

profileMing Feng

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.

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.

 

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 smarter decisions.

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 March 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?

Lifestyle

Cards

Investment

Insurance

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

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 unless you’re storing it in a biscuit tin…

Then you DEFINITELY need one to maximise your interest rate and at least stretch your savings.

For savings accounts with at least 180 reviews on SeedlyReviews, we have:

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

Even after most of the banks have lowered their interest rates, Standard Chartered JumpStart Account seems to be the best savings account with a 4.9 rating across 693 reviews.

If you’re above 26 years old and can’t qualify for the SCB JumpStart anymore.

The OCBC FRANK Account is the next best option with a 4.8 rating across 187 reviews.

Real User Reviews on Savings Account 

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Best Electricity Retailer in Singapore

Electricity bill a bit too high since we’re all working and studying from home a lot more?

Then you’re probably looking to switch to the best electricity retailer in Singapore.

For the best electricity retailers with more than 200 reviews (all with an average rating of at least 4.3) on SeedlyReviews, we have:

  • Geneco
  • Ohm Energy
  • Senoko Energy
  • Tuas Power

Tuas Power takes the top spot with an average rating of 4.8 across 434 reviews.

Ohm Energy isn’t too far off with an average rating of 4.9 across 322 reviews.

Real User Reviews on Electricity Retailers

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Best Mobile Plan in Singapore

Almost everyone has a smartphone 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 Mobile

Circles.Life takes pole position with a 4.3 rating across 622 reviews.

Big kudos to the team for actively responding to user feedback — regardless of whether it’s good or bad.

Next in line is MyRepublic Mobile which gathered 442 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 543 reviews.

If you (unfortunately) had a bad experience, the InstaReM team is really active on Seedly and will address your concerns almost immediately.

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

Real User Reviews on Remittance Platforms  

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Best Broadband Provider in Singapore

Everyone needs wifi.

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 Broadband takes the top spot with an average rating of 4.4 across 1,337 reviews.

But if you’re looking to choose between the 3 stalwart broadband service providers (all with at least 70 reviews) in Singapore:

  • M1
  • StarHub
  • Singtel

M1 Broadband comes up on top with an average rating of 3.8 across 72 reviews.

Real User Reviews on Broadband Providers 

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Best Personal Loans in Singapore

When it comes to personal loans, please make sure that you can afford the monthly payment!

Otherwise you might be saddled with more debt than you can imagine.

If you’re wondering which is the best personal loans to get…

It seems like the Seedly community favours OCBC EasiCredit Personal Loan, which has an average rating of 4.5 across 13 reviews.

Had a personal experience with other personal loans?

Leave a review to help others figure out stuff like how smooth the application process is, or even how professional the customer service you experienced was!

Real User Reviews on Personal Loans 

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Best Buy Now Pay Later in Singapore

If you’ve been shopping online, you might have noticed that some e-commerce merchants are offering a new way to check out: Buy Now Pay Later.

Basically, it allows you to delay your payments and split them up into weekly or monthly instalments.

This is very useful for those on a tight budget.

But at the same time, if you fail to make the scheduled payments, you’re looking a host of admin and miscellaneous fees…

Since this is a relatively new payment option in Singapore, help out the Seedly community by leaving your review of any Buy Now Pay Later services which you’ve used here!

For now, Atome is the favourite with an average rating of 4.0 across 2 reviews.

With hoolah close behind with an average rating of 4.0 across 1 review.

Real User Reviews on Buy Now Pay Later 

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Best Multi-Currency Card in Singapore

We don’t know when we’ll be allowed to travel again…

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 280 reviews (all with an average rating of at least 4) on SeedlyReviews, we have:

  • Crypto.com Visa Card
  • Revolut Card
  • YouTrip Card

YouTrip Card is the clear favourite with an average rating of 4.7 across 499 reviews.

Crypto.com 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 Cash Back Credit Card in Singapore

The most common credit card which you can get is a cashback credit card.

Just charge your spend to a cashback card, and you’ll receive a cash rebate.

These cards usually come with T&Cs like a monthly cashback cap.

Or you’ll need to clock a minimum spend before you can qualify for the promised cashback.

So… which is the best cash back credit card out there?

For the best cashback credit card with more than 100 reviews (all with an average rating of at least 4.0) on SeedlyReviews, we have:

  • POSB Everyday Card
  • Standard Chartered Unlimited Cashback Credit Card
  • UOB One Card

Standard Chartered Unlimited Cashback Credit Card tops the list with a 4.3 rating across 115 reviews.

Real User Reviews on Cash Back Credit Cards

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Best No Minimum Spend Credit Card in Singapore

The more you spend using a credit card, the more rewards or cashback you can get.

But what if you aren’t a big spender?

Then you’ll wanna know which is the best no minimum spend credit cards to use:

  • OCBC Cashflo Credit Card
  • AMEX True Cashback Card
  • Standard Chartered Spree Credit Card

OCBC Cashflo Credit Card tops the list with a 4.6 rating, largely due to its interest-free auto-instalment feature.

But if you prefer cashback, then maybe the AMEX True Cashback Card would be a better fit.

Real User Reviews on No Minimum Spend Credit Cards

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Best Rewards Credit Card in Singapore

Rewards credit cards allow you to collect reward points which you can exchange for stuff like:

  • shopping vouchers
  • reusable mugs
  • Apple iPods or an Apple iPad (sometimes…)

So… which is the best rewards credit card to get?

It seems like it’s the Citi Rewards Credit Card, which got a 4.3 rating across 30 reviews.

Real User Reviews on Rewards Credit Cards

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Best Student Credit Card in Singapore

If you’re between 18 to 27 years old and have little to minimum income.

You still might find yourself in a situation where you’ll need a credit card for say… when you hang out with your friends on the weekend.

So how?

Enter: the best student credit cards.

According to the reviews, that accolade belongs to the CIMB AWSM Card, which got a 4.6 rating across 11 reviews.

The 1% cashback on stuff like dining, entertainment, and online shopping makes it a pretty popular choice.

Real User Reviews on Student Credit 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 it as an ATM or EZ-Link card.

On SeedlyReviews, the favourite amongst the community is the DBS Visa Debit Card, which has an average rating of 4.4 across 65 reviews.

Best of all, there’s no minimum income and no annual fee either.

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 at least 200 reviews (all with an average rating of at least 4.6), we have:

  • AutoWealth
  • Endowus
  • StashAway
  • Syfe

StashAway is the most popular robo-advisor in Singapore with a 4.8 rating across 943 reviews.

Syfe isn’t too far off with a 4.6 rating across 773 reviews.

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.

So… 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 is Funding Societies with a 4.1 rating across 359 reviews.

FYI: the Funding Societies team is pretty responsive to feedback on SeedlyReviews:

Next up is BRDGE who clocked a 4.6 rating across 179 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.

FSMOne Fundsupermart takes the top spot with an average rating of 4.3 across 179 reviews.

Next up is the newest kid on the block, Moomoo with a rating of 4.8 averaged across 29 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.

Your next best way is to… rely on real user reviews!

According to the reviews on Seedly, the favourite is The Systematic Trader with a 4.9 rating averaged across 1,315 reviews.

And close behind is Trading With Rayner with an average rating of 4.8 across 416 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.

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

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 since early-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.

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.

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 282 reviews.

 

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 140 reviews.

Hopefully, more users can also chime in with their experience with Singtel Dash PET, 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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