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The Best Financial & Lifestyle Products Based on Real User Reviews (July 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 its 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?

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 your money 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 200 reviews on SeedlyReviews, we have:

  • DBS Multiplier Account
  • Standard Chartered JumpStart Account

Even with the current low-interest-rate environment that we’re in, Standard Chartered JumpStart Account seems to be the best savings account with a 4.9 rating across 722 reviews.

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 282 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.

That accolade belongs to Tuas Power which has an average rating of 4.8 across 610 reviews.

Real User Reviews on Electricity Retailers

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Best Mobile Plan in Singapore

The competition amongst the 14 telcos to offer the best mobile plan in Singapore is always high.

If you’re wondering who’s the best… MyRepublic Mobile takes pole position with a 4.4 rating across 868 reviews!

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 627 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 1,417 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

Singtel Broadband comes up on top with an average rating of 3.1 across 87 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 loan to get…

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

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 at 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 3.4 across 5 reviews.

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?

YouTrip Card is the clear favourite with an average rating of 4.7 across 517 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 spending 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?

Standard Chartered Unlimited Cashback Credit Card tops the list with a 4.2 rating across 133 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.

AMEX True Cashback Card tops the list with a 4.0 rating averaged from 48 reviews.

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 4.4 rating across 33 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 12 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 too.

POSB PAssion Debit Card which scored a 4.6 rating across 47 reviews.

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?

Well… according to the reviews left on Seedly, StashAway is the most popular robo-advisor in Singapore with a 4.8 rating across 1,087 reviews.

Real User Reviews on Robo-Advisors

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Best P2P Lending Platform in Singapore

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

For investors this also provides a unique opportunity for them to get in on the action too — as a form of alternative investment.

HOWEVER, there’re risks involved when it comes to P2P lending.

So remember to always do your due diligence!

The most popular choice amongst Seedly community users is… BRDGE P2P Lending which clocks a 4.6 rating across 193 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 223 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 Trading With Rayner with a 4.8 rating averaged across 488 reviews.

Real User Reviews on Investment Courses

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Best Crypto Exchange in Singapore

Regardless of whether you believe in it.

Or whether you understand it…

Cryptocurrency is undeniably the next big thing.

If you wish to dabble in it, then you’ll definitely want to look for the best crypto exchange to use.

Gemini Crypto Exchange takes the top spot with a 4.5 rating.

This is a pretty new category of financial products so if you’ve got experience with any other crypto exchanges.

Feel free to drop a review to let others know what you think!

Real User Reviews on Crypto Exchanges

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Best Travel Insurance In Singapore

Nobody knows when we can 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.

NTUC Income Travel Insurance is the hot favourite with a 4.5 rating across 516 reviews.

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 Home Insurance in Singapore

If you’re a homeowner, you’re probably looking for the best home insurance in Singapore.

There aren’t that many reviews left, but the favourite seems to be Tiq Home Insurance.

 

Real User Reviews on Home 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 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 284 reviews.

However, they do have their fair share of disgruntled clients.

Real User Reviews on Health Insurance

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Best Cancer Insurance in Singapore

The risk of cancer is very real.

Even if you’ve got a clean bill of health, it never hurts to be prepared.

If you’re looking for the best cancer insurance in Singapore.

That’ll be Great Eastern GREAT Cancer Guard Insurance which has a 4.5 rating.

There aren’t as many reviews for cancer insurance as we’d like.

So if you have any experience with cancer insurance, feel free to share it with the Seedly community to help others make a smarter decision!

Real User Reviews on Cancer 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.

Singtel Dash PET seems to be the crowd favourite with a 4.8 rating across 80 reviews.

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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