Startup or Bank?
 

Startup offering ~30% less all-in on an hourly basis, and the difference will increase about ~20% each year (i.e. ~50% less per hour in year 2)

total hours per week probably ~70 hrs vs ~90 hrs

Any advice?

Most start ups are doomed to fail. But if the pay is great go for it.
Pay lousier not worth it

Sorry to clarify, not really startup, think Grab / Garena / Shopee / Lazada kind

Those you listed are not bad, especially grab. I think you would learn more from these startups.

Not too sure about banks, but I have heard they usually pay higher but your growth in terms of skillset will be slower (stuff you learnt are less transferable)

About 3 quarters have passed since this was posted
Now economy is not doing as well (I Guess)

Anyone has any recommendation on whether to head into startups
Am a local uni grad, numerate degree with 2.5 years work exp
Healthcare related

Would like to learn more things

For lots of fresh grads today, it's a matter of who offers you a decent package first. So far I have not met anyone who has the luxury of comparing like 2 or 3 offers wondering which to sign. Try not to deviate too far from your field though, else years later HR sure ask... U study this but your experience.... (means, how to pay you well?)

Economy is doing fine. Just that there is not enough talent in the market and many fresh grads with no experience.
If you are going into startups as a software developer, then yes. If not then the progression is not worth it.

A lot of people you meet in startups in SG, will be expats (with no degree or lousy degree abroad) looking to cash in on their expat status to rise, or fresh grads from private unis and local uni grads who studied marketing/ psychology etc. Thus, the means to rise doesn't depend on any sort of digital capability but politics.
There's no progression in there and these days many MNCs will question if you are fit for a corporate environment after you go into a startup

Anyone any experience with SEA/Garena?

Good pay, very long hours, not much progression, full of tiongs. YMMV.

Startups and large corporate structures, in particular, banks, are two different universes. Even those startups who have a dozen years of working in a bank in serious positions behind them, surprisingly quickly "repaint" and begin to behave within a completely different logic and cultural codes. What can we say about the banal obvious mistakes that newcomers make in the business world. Unfortunately, this cultural gap is one of the main ones. business plan software will help the company to evaluate all the development opportunities and choose the one that will be most effective to achieve its goals.