Singapore Corporate Bank Account Fee Comparison Calculator 2026 — DBS vs OCBC vs UOB vs CIMB vs Maybank vs Aspire vs Airwallex Annual Cost Based on Your FAST Transactions, GIRO Volume, Telegraphic Transfer Count, FX Conversion Amount, Average Balance and Fall-Below Fee Risk for MAS-Regulated Singapore SME Business Banking

SINGAPORE CORPORATE BANK ACCOUNTS CARRY FOUR MAIN CATEGORIES OF FEES THAT DETERMINE YOUR TRUE ANNUAL COST: (1) MAINTENANCE FEES — MONTHLY OR ANNUAL: DBS Standard S$40/month (waived if ADB above S$10,000). OCBC Business Growth S$10/month (waived first 2 months). UOB eBusiness S$35/year (waived Year 1). CIMB SME S$8/month (waived Year 1). Maybank FlexiBiz S$10/month. Digital providers Aspire and Airwallex: S$0/month. (2) FALL-BELOW FEES: Charged when your Average Daily Balance (ADB) drops below the bank minimum threshold. DBS Standard: S$40/month if below S$10,000 ADB. OCBC: S$20/month (increased from S$15 from 1 May 2026) if below S$1,000 ADB. UOB: S$15/month if below S$5,000 ADB. CIMB, Aspire, Airwallex: No fall-below fees. (3) TRANSACTION FEES: FAST: S$0.50/transaction after free quota (DBS: 50 free; OCBC: 80 free; CIMB and Aspire: unlimited free). GIRO: S$0.20/transaction after free quota. International Telegraphic Transfer (TT): DBS S$30, OCBC S$30, UOB 1/16% (min S$10, max S$100), CIMB S$15 (free promo until 31 Dec 2026), Airwallex S$20 to S$35. (4) FX SPREAD: Banks typically apply 0.5% to 0.75% above the mid-market rate. Digital providers (Airwallex 0.4% to 0.6%, Wise from 0.26%, Aspire from 0.4%) offer tighter spreads for cross-border businesses. This calculator computes your total monthly and annual cost across all four categories simultaneously for 8 providers.

A FALL-BELOW FEE IS CHARGED BY SINGAPORE BANKS WHEN YOUR CORPORATE ACCOUNT AVERAGE DAILY BALANCE (ADB) FALLS BELOW THE REQUIRED MINIMUM THRESHOLD FOR THAT ACCOUNT TYPE. HOW ADB IS CALCULATED: Sum the closing balance for each calendar day in the month. Divide by the total number of days in the month. If the result is below the minimum, the fall-below fee is triggered. CRITICAL UPDATE — OCBC MAY 2026 FEE INCREASE: OCBC raised its fall-below fee from S$15 to S$20 per month effective 1 May 2026. If you are currently holding an OCBC Business Growth Account with balances below S$1,000, your annual fall-below cost increased from S$180/year to S$240/year. COMPARISON OF FALL-BELOW FEES: DBS Standard: S$40/month if ADB below S$10,000 — the highest fall-below fee among traditional banks. OCBC: S$20/month (from May 2026) if ADB below S$1,000. UOB: S$15/month if ADB below S$5,000 (waived Year 1). Maybank: S$10/month if ADB below S$1,000. HOW TO AVOID FALL-BELOW FEES: Maintain sufficient ADB (consolidate multiple accounts into one to maximize ADB). Choose banks with lower or zero minimum balance (CIMB SME: S$0; DBS Starter Bundle: S$0). Switch to digital banking providers (Aspire, Airwallex, Wise, ANEXT) that impose no minimum balance and no fall-below fees. This calculator models exactly how fall-below fees affect your annual cost based on your typical operating balance.

FAST (FAST AND SECURE TRANSFERS) AND GIRO (GENERAL INTERBANK RECURRING ORDER) ARE THE TWO PRIMARY DOMESTIC PAYMENT RAILS FOR SINGAPORE BUSINESSES. HERE IS THE 2026 COMPARISON: DBS BUSINESS: 50 free FAST + 50 free GIRO monthly (from Year 2; unlimited free in Starter Bundle Year 1). After quota: FAST S$0.50/transaction, GIRO S$0.20/transaction. OCBC BUSINESS GROWTH: 80 free FAST + 80 free GIRO monthly. After quota: FAST S$0.50/transaction, GIRO S$0.20/transaction. UOB eBUSINESS: No fixed free quota. FAST S$0.50/transaction. GIRO S$0.20/transaction. Payroll GIRO: 100% rebate on bulk payroll (best in class for payroll-heavy businesses). CIMB SME: Unlimited free FAST and GIRO for SGD transfers. Best for high-transaction-volume businesses. Airwallex: Unlimited free local FAST and GIRO. No transaction caps. Aspire: Free FAST. GIRO S$0.20/transaction. WHAT THIS MEANS IN PRACTICE: A business doing 100 FAST + 60 GIRO transfers per month would pay: DBS Year 2: (50x S$0.50) + (10x S$0.20) = S$25 + S$2 = S$27/month in transaction fees. OCBC: (20x S$0.50) = S$10/month (all 60 GIRO within 80-free quota). CIMB: S$0. Airwallex: S$0. For high-transaction businesses, CIMB and Airwallex offer the most compelling proposition. For moderate-transaction SMEs, OCBC 80-free quota covers most needs within the S$10/month fee.

FOR SINGAPORE STARTUPS AND NEWLY INCORPORATED COMPANIES, THE BEST CORPORATE BANK ACCOUNT DEPENDS ON THREE KEY FACTORS: CASH POSITION, TRANSACTION VOLUME, AND INTERNATIONAL PAYMENT NEEDS. TOP OPTIONS FOR STARTUPS: OPTION 1 — DBS STARTER BUNDLE: No minimum balance. Unlimited free FAST and GIRO in Year 1. Access to DBS IDEAL digital banking platform. 13 currencies in one account. Suitable for startups that want the credibility and ecosystem of Singapore largest bank with zero Year 1 costs. From Year 2, monthly fees and transaction quotas apply — plan ahead. OPTION 2 — ASPIRE: No minimum balance, no monthly fees. Free unlimited FAST. GIRO S$0.20/transaction. CPF e-submission integration. Xero integration. Free first year for new incorporations. MAS Payment Institution licence. Best for e-commerce startups and tech companies. OPTION 3 — CIMB SME: No minimum balance. S$0 monthly fee in Year 1. Unlimited free FAST and GIRO. TT free until 31 Dec 2026. Low friction account opening. Shariah-compliant option available. Best for cash-flow-conscious startups that do not need multi-currency holding. OPTION 4 — AIRWALLEX: No minimum balance, no monthly fees. Free local FAST and GIRO. 20+ currencies. Best for cross-border startups, e-commerce sellers, and import/export businesses. ANEXT BANK: MAS-licensed digital bank backed by Ant Group. No minimum balance. Free local transfers. Best for Singapore businesses with China connections. THE YEAR 1 TRAP: Some startups open DBS or OCBC for the Year 1 waivers, then face standard fees from Year 2 without reviewing their cost model. Always model Year 2 costs before committing.

DBS OFFERS TWO DISTINCT TIERS OF BUSINESS ACCOUNT FOR SINGAPORE SMEs: DBS STARTER BUNDLE: Target: New businesses and startups. Minimum balance: S$0. Monthly fee: S$0. Fall-below fee: None. FAST transactions: Unlimited free in Year 1. GIRO transactions: Unlimited free in Year 1. TT: ~S$30 per outward transfer. Best for: Businesses in Year 1 that want maximum flexibility. DBS STANDARD BUSINESS ACCOUNT (YEAR 2+): Monthly service fee: S$40/month OR waived if ADB is at or above S$10,000. Fall-below fee: S$40/month if ADB drops below S$10,000. Free FAST: 50/month, then S$0.50 each. Free GIRO: 50/month, then S$0.20 each. Annual account fee: S$50. TT: ~S$30 per outward transfer. THE HIDDEN COST OF UPGRADING: In Year 2, a DBS Starter Bundle user automatically shifts to standard DBS fees. A business with S$5,000 average balance would face: S$40 fall-below fee x 12 = S$480/year in fees on top of transaction costs. A business with S$12,000 average balance: No fall-below fee (above S$10K threshold), but still the S$50 annual fee. DECISION FRAMEWORK: If you expect to maintain S$10,000+ ADB comfortably: DBS Standard is cost-effective after Year 1. If your ADB is below S$5,000: Consider switching to CIMB or Airwallex before Year 2 kicks in. If you have heavy international transaction needs: Consider pairing DBS with Airwallex for FX savings.

CIMB SME ACCOUNT STANDS OUT IN THE SINGAPORE CORPORATE BANKING MARKET FOR THREE SPECIFIC REASONS THAT MAKE IT THE CHEAPEST TRADITIONAL BANK FOR HIGH-TRANSACTION BUSINESSES: (1) UNLIMITED FREE FAST AND GIRO: Unlike DBS (50 free), OCBC (80 free), UOB (no free quota), CIMB provides unlimited free FAST and GIRO transfers in SGD. For a business doing 200 FAST transactions per month, CIMB saves: vs DBS: 150 excess FAST x S$0.50 = S$75/month = S$900/year. vs OCBC: 120 excess FAST x S$0.50 = S$60/month = S$720/year. vs UOB: 200 FAST x S$0.50 = S$100/month = S$1,200/year. (2) ZERO MINIMUM BALANCE: No fall-below fees regardless of account balance. For cash-constrained SMEs or businesses with variable cash flow, CIMB eliminates the risk of S$10 to S$40/month penalties from other banks. (3) LOW TT FEES: S$15 flat for international telegraphic transfers (TT free promo until 31 Dec 2026). DBS and OCBC charge S$30. The S$15 saving per TT is meaningful for import/export businesses doing multiple TTs per month. CIMB LIMITATIONS: CIMB has fewer branches (3 in Singapore) and a smaller Singapore banking ecosystem compared to DBS, OCBC, and UOB. Credit lines, trade finance, and SME loan products may be less readily available. The S$8/month fee from Year 2 onwards is minor but relevant. For payroll-heavy businesses, UOB 100% GIRO payroll rebate may outperform CIMB in Year 2 and beyond depending on payroll volume.

THE TRADITIONAL BANK VS DIGITAL PROVIDER DEBATE FOR SINGAPORE SMEs IN 2026 IS NOT AN EITHER-OR QUESTION — MOST BUSINESSES BENEFIT FROM BOTH. THE CASE FOR TRADITIONAL BANKS (DBS, OCBC, UOB): Bank credibility: Major local bank accounts are required for certain government grants (PSG, EDG via BGP), CPF submissions, and business loan applications. Trade finance and credit lines are available only at licensed banks. Branch access for cash deposits, bankers guarantees, and certified bank letters. SDIC deposit insurance protection (S$100,000). IRAS and CPF board direct debit arrangements are easier with traditional banks. THE CASE FOR DIGITAL PROVIDERS (ASPIRE, AIRWALLEX, WISE): No monthly fees, no minimum balance, no fall-below risks. Lower FX spreads (Airwallex 0.4% to 0.6% vs bank rates of 0.5% to 1.5%). Free unlimited FAST and GIRO in most cases. Multi-currency accounts with local receiving details in 20+ countries. Faster international payments via local rails instead of SWIFT. API integrations with Xero, Shopify, Stripe, and other business tools. THE OPTIMAL SINGAPORE SME BANKING STACK: Primary account (traditional bank): DBS, OCBC, or UOB for CPF, MAS-required submissions, bank loans, government grant credibility. Secondary account (digital provider): Aspire or Airwallex for e-commerce payouts, international supplier payments, FX holding. Many successful Singapore SMEs operate exactly this two-account model. The total cost is often lower than a single traditional bank account that charges fall-below fees and high TT rates.

FOR SINGAPORE BUSINESSES THAT INVOICE OR PAY IN MULTIPLE CURRENCIES — USD, EUR, GBP, AUD, CNH, HKD — MULTI-CURRENCY SUPPORT IS A CRITICAL ACCOUNT FEATURE. TRADITIONAL BANK MULTI-CURRENCY OPTIONS: DBS Business Multi-Currency Account: Holds 13 currencies in a single account. S$10,000 ADB to waive the S$40/month fee. Useful for businesses that want multi-currency holding with a traditional bank relationship. OCBC Multi-Currency Business Account: 13 currencies. S$10/month (waived if paired with Business Growth Account for most periods). FX via bank rates with 0.125% outward commission (min S$10, max S$120). UOB Corporate Global Currency Account: 10 currencies (USD, EUR, GBP, AUD, CAD, NZD, JPY, CNH, HKD, CHF). Paired with eBusiness SGD account. DIGITAL PROVIDER MULTI-CURRENCY OPTIONS: Airwallex: 20+ currencies. Local receiving accounts in 50+ countries. FX 0.4% to 0.6% mark-up. Best for cross-border e-commerce with daily multi-currency flows. Wise Business: 40+ currencies. Local account details in 9+ countries. FX from 0.26%. Best for businesses invoicing globally in many currencies. WHICH TO CHOOSE: Cross-border e-commerce (Shopify/Amazon): Airwallex or Wise for receiving in USD, EUR, GBP with low FX cost. Export/import with major trading partners: DBS or UOB for bank credibility + digital provider for FX. China-linked businesses: OCBC has strong CNH capabilities; ANEXT Bank (backed by Ant Group) also specifically targets China-Singapore business flows.

INTERNATIONAL TELEGRAPHIC TRANSFER (TT) FEES ARE A SIGNIFICANT COST FOR SINGAPORE BUSINESSES WITH OVERSEAS SUPPLIERS, PARTNERS, OR SUBSIDIARIES. 2026 TT FEE COMPARISON: DBS: Approximately S$30 flat per outward TT (excludes agent fees). Total landed cost varies by corridor and agent deductions. OCBC: S$30 flat for digital outward transfer from SGD with FX conversion. For outward transfer from foreign currency wallet without conversion: 0.125% commission (min S$10, max S$120). Plus possible agent fees for SWIFT chains. UOB: 1/16% commission (minimum S$10, maximum S$100) plus cable and agent charges. For small transfers, minimum S$10 makes this competitive; for large transfers the 1/16% cap at S$100 is efficient. CIMB: S$15 flat per outward TT (standard rate). FREE until 31 December 2026 (promotion). After promo ends, S$15 is still the lowest TT fee among traditional Singapore banks. MAYBANK: S$20 flat per outward TT (useful for ASEAN corridors where Maybank has regional presence). AIRWALLEX: S$20 to S$35 via SWIFT. Via local rails (available in 120+ countries): much lower. Airwallex local routing eliminates SWIFT entirely for many popular corridors (USD to USA, EUR to Europe, GBP to UK). FX mark-up 0.4% to 0.6%. WISE: FX-based pricing from 0.26%. No fixed TT fee. Local rails in 80+ countries. Best for frequent small international transfers where a flat S$30 DBS fee would be disproportionate. RECOMMENDATION: For 1 to 2 TTs/month: CIMB (S$15 flat, or free until Dec 2026) or Airwallex (local rails). For 5+ TTs/month: Airwallex or Wise (local rail savings are significant at this volume).

SINGAPORE BANKS TYPICALLY CHARGE AN EARLY CLOSURE FEE IF YOU CLOSE A CORPORATE ACCOUNT WITHIN A SPECIFIED PERIOD AFTER OPENING. THIS IS A COMMON HIDDEN COST MANY SMEs DISCOVER ONLY WHEN SWITCHING BANKS. 2026 EARLY CLOSURE FEE COMPARISON: DBS: S$50 early closure fee if account closed within 6 months of opening. OCBC: S$50 early closure fee if account closed within 12 months of opening (longer lock-in than DBS). UOB: S$50 early closure fee if account closed within 6 months of opening. CIMB: S$50 early closure fee if account closed within 6 months of opening. Maybank: S$50 if account closed within 6 months (confirm with bank as policies can change). ASPIRE: No closure fee. AIRWALLEX: No closure fee. WISE: No closure fee. PRACTICAL IMPLICATION: If you sign up with a traditional bank for the Year 1 promotional waivers and then want to switch to a digital provider in Month 5, you will pay a S$50 closure penalty. This is typically worth accepting if the annual savings from the switch exceed S$50 (which they usually do for high-volume businesses). YEAR 2 PLANNING: Banks with 12-month closure penalties (OCBC) effectively require a 1-year commitment. Factor this into your switching strategy. The optimal approach: open a digital account (Aspire, Airwallex) in parallel with your traditional bank during Year 1, then close the traditional bank account after Month 12 if the cost savings justify it.

UOB OFFERS A 100% REBATE ON BULK GIRO PAYROLL TRANSACTIONS, MAKING IT THE MOST COST-EFFECTIVE TRADITIONAL BANK FOR SINGAPORE BUSINESSES THAT PAY LARGE LOCAL TEAMS VIA GIRO. HOW UOB PAYROLL GIRO REBATE WORKS: UOB eBusiness Account charges S$0.20 per GIRO transaction as a standard rate. For GIRO transactions specifically processed as bulk payroll (salary disbursements), UOB provides a 100% rebate — effectively making payroll GIRO free regardless of volume. WORKED EXAMPLE: A company with 150 employees pays salary via GIRO monthly. Standard GIRO rate: 150 x S$0.20 = S$30/month = S$360/year. With UOB payroll rebate: S$0/month = S$0/year. Annual saving vs DBS (50 free then S$0.20): 100 excess GIRO x S$0.20 x 12 = S$240/year saved. Annual saving vs OCBC (80 free then S$0.20): 70 excess GIRO x S$0.20 x 12 = S$168/year saved. UOB IS BEST FOR: Companies with 50+ Singapore-based employees paid via GIRO. The payroll GIRO rebate alone can outweigh UOB fall-below fees for companies with large teams. Businesses using UOB Infinity payroll platform (integrated with IRAS IR8A, CPF e-submission). UOB eBusiness LIMITATIONS: Annual fee S$35 (waived Year 1). Fall-below S$15/month if ADB below S$5,000 (waived Year 1). No free FAST allowance (S$0.50 per transaction). For high-FAST businesses, CIMB or Airwallex remain more competitive. The payroll rebate makes UOB the strongest for payroll-dominant, lower-FAST-volume businesses.

CPF AND IRAS PAYMENT COMPATIBILITY IS ONE OF THE MOST IMPORTANT PRACTICAL CONSIDERATIONS WHEN CHOOSING A SINGAPORE CORPORATE BANK ACCOUNT. CPF E-PAYMENT VIA FINTECH PROVIDERS: Aspire: Supports CPF employer contributions via the CPF Ezpay system. Aspire has specifically built this integration as it is critical for Singapore businesses. This means salary disbursements AND CPF contributions can be processed through Aspire without a traditional bank account. Airwallex: CPF e-payment support is more limited. Many businesses using Airwallex maintain a separate traditional bank account (OCBC or DBS) specifically for CPF payments. ANEXT Bank: Being a MAS-licensed bank, ANEXT generally supports standard payment rails including CPF. IRAS PAYMENT COMPATIBILITY: All MAS-licensed bank accounts (DBS, OCBC, UOB, CIMB, Maybank, ANEXT) support IRAS GIRO deductions for corporate tax (CIT), GST, and withholding tax. Fintech providers (Aspire, Airwallex, Wise): IRAS GIRO deduction compatibility varies. Wise is often NOT accepted as a GIRO deduction account by IRAS. Aspire supports IRAS payments. INVOICENOW MANDATE (1 APRIL 2026): New voluntary GST registrants from 1 April 2026 are required to be InvoiceNow-ready. DBS, OCBC, and UOB natively support the Peppol/InvoiceNow standard. Aspire also supports InvoiceNow. Verify InvoiceNow compatibility if GST registration is anticipated. PRACTICAL RECOMMENDATION: Even if using Airwallex as your primary operating account, maintaining a DBS, OCBC, or CIMB secondary account for CPF, IRAS, and payroll ensures full Singapore regulatory compliance without extra friction.

THE SINGAPORE DEPOSIT INSURANCE CORPORATION (SDIC) PROVIDES DEPOSIT INSURANCE PROTECTION FOR ELIGIBLE DEPOSITS WITH FULL BANKS AND FINANCE COMPANIES IN SINGAPORE. SDIC COVERAGE DETAILS: Protection limit: S$100,000 per depositor per institution. Eligible deposits: Savings accounts, fixed deposits, current accounts in Singapore Dollars. NOT covered: Foreign currency deposits, structured deposits, investment products. BANKS COVERED BY SDIC: DBS, OCBC, UOB, CIMB, Maybank and other full MAS-licensed banks are SDIC members. If any of these banks fails, eligible deposits are insured up to S$100,000 per business entity. FINTECH PROVIDERS AND SDIC: Airwallex, Aspire, Wise, Statrys are MAS-licensed Major Payment Institutions — NOT full banks. As payment institutions, they are NOT covered by SDIC. However, they are required by MAS regulations to safeguard client funds by holding them in segregated accounts at licensed banks. This means your Airwallex or Aspire balance is held in trust at a MAS-regulated bank, providing indirect protection. The key difference: SDIC direct insurance (banks) vs. safeguarding requirement (payment institutions). For businesses with significant cash balances (above S$100,000), traditional bank accounts provide the more straightforward protection under SDIC. For operating accounts with moderate balances, MAS-licensed payment institutions provide sufficient regulatory safeguarding. ANEXT BANK: Being a full MAS-licensed digital bank, ANEXT deposits ARE covered by SDIC up to S$100,000.

CALCULATING THE TRUE ANNUAL COST OF A SINGAPORE CORPORATE BANK ACCOUNT REQUIRES ADDING FOUR COST STREAMS: STEP 1 — MAINTENANCE COST: Monthly fee (or annual fee / 12) + fall-below fee if your average balance is below the minimum threshold. Example: OCBC S$10/month maintenance + S$20/month fall-below (if ADB below S$1,000) = S$30/month. STEP 2 — LOCAL TRANSACTION COSTS: Count your monthly FAST and GIRO transactions. Subtract the free quota. Multiply excess by the per-transaction rate. Example: 100 FAST/month at OCBC (80 free): 20 excess x S$0.50 = S$10/month. STEP 3 — INTERNATIONAL TRANSFER COSTS: Number of outward TT per month x TT fee per transfer. Example: 5 TT/month at DBS (S$30 each): S$150/month = S$1,800/year. STEP 4 — FX CONVERSION COSTS: Monthly FX conversion amount x bank FX mark-up %. Example: S$20,000/month converted at DBS (0.75% mark-up): S$150/month = S$1,800/year. TOTAL ANNUAL COST = (Maint + Transaction + TT + FX) x 12. COMMON MISTAKES IN COST CALCULATION: Ignoring fall-below fees (the biggest hidden cost). Forgetting TT agent fees (vary by corridor). Using headline FX rate instead of actual mark-up above mid-market rate. Not accounting for Year 2 costs when evaluating Year 1 promotional accounts. This calculator automates all four streams simultaneously for 8 banks, based on your actual transaction inputs.

WHILE FEES ARE CRITICAL, FIVE NON-FEE FACTORS SIGNIFICANTLY IMPACT THE PRACTICAL VALUE OF A SINGAPORE CORPORATE BANK ACCOUNT: (1) GOVERNMENT GRANT COMPATIBILITY: PSG, EDG, and other BGP grants disburse via the company bank account registered on BGP. All major Singapore banks and some payment institutions (Aspire) accept BGP-registered accounts. However, some digital providers may face limitations. Verify before applying for government grants. (2) CREDIT AND LENDING ACCESS: Only full MAS-licensed banks can provide business loans, overdrafts, trade finance facilities, and bankers guarantees. Airwallex, Aspire, and Wise cannot extend credit. If SME loan access (e.g., Enterprise Financing Scheme, EFS-SME) is a priority, a DBS, OCBC, or UOB relationship is important. (3) ACCOUNTING SOFTWARE INTEGRATION: Aspire integrates natively with Xero, QuickBooks, and Shopify. Airwallex has strong Xero and NetSuite integration. DBS and OCBC have bank feed integrations but often require manual CSV imports. Strong integration reduces monthly bookkeeping time by 2 to 4 hours for most SMEs. (4) ACCOUNT OPENING SPEED: OCBC Business Growth allows Singpass-based instant online opening for fully Singapore-owned companies. DBS may require branch visits for complex ownership structures. Digital providers (Aspire, Airwallex) typically complete in 1 to 5 business days online. (5) NETWORK EFFECTS: DBS, OCBC, and UOB customers benefit from FPS (PayNow corporate), SGQR acceptance, and broader Singapore banking infrastructure. Digital providers may lack some of these for B2B payments.

THIS IS THE ONLY SINGAPORE CALCULATOR THAT COMPUTES YOUR ACTUAL TOTAL ANNUAL COST ACROSS 8 BANK AND FINTECH PROVIDERS SIMULTANEOUSLY BASED ON YOUR SPECIFIC TRANSACTION PROFILE. WHAT MAKES IT UNIQUE: (1) TRANSACTION-BASED COSTING: Unlike static comparison tables that list fee rates, this calculator inputs your real monthly FAST volume, GIRO volume, international TT count, and FX conversion amount to compute actual cost — not just fee schedules. (2) FALL-BELOW FEE MODELING: Automatically checks if your average balance would trigger fall-below fees at each bank, and adds those costs to the annual total. This is the most commonly missed cost in DIY bank comparisons. (3) YEAR 1 VS YEAR 2 COMPARISON: Toggle between Year 1 (with promotional waivers) and Year 2+ (standard fees) to see how costs change when promotional periods end. (4) RANKED COMPARISON WITH BEST-FIT RECOMMENDATION: Shows all 8 providers ranked by total annual cost for YOUR profile — not generic rankings. A business doing 200 FAST/month gets a different winner than one doing 10 FAST/month. (5) HORIZONTAL BAR CHART: Visual comparison showing annual cost per bank, with the cheapest highlighted in teal and fall-below banks highlighted in red. (6) BRANDED PDF REPORT: Includes your transaction profile, all 8 banks ranked by annual cost, fall-below alerts, and source attribution — suitable for CFO or board review before switching banks. Fee data verified from official bank fee schedules as of June 2026. Always confirm current rates directly with the bank before opening an account.