One Account

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    Highlights

    • Up to 3.33% p.a. interest rates^
    • Up to 5% cash rebate+ with UOB One Card
    • Additional 10% rebate on mobile payments with UOB One Card (Valid till 31 Oct 17)
    • Up to S$1,416 total interest and cash rebate
    • Convenience of an eStatement only account

    Get up to S$100 cash credit* when you apply online.

    Apply now

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Overview

Up to 3.33% p.a. interest^

Up to 3.33% p.a. interest^

when you spend S$500 monthly AND credit your salary or Pay 3 bills monthly via GIRO.

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Up to 2% p.a. interest^

Up to 2% p.a. interest^

when you spend S$500 monthly on your UOB One Card and/or selected Cards.

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Convenience of a monthly estatement

Convenience of a monthly estatement

Go paperless with 5 years of stored electronic statements from the time you subscribe.

How to earn higher interests up to 3.33% p.a.^?

 

You need to perform Action 1 AND 2 or 3.

Action 1: Spend at least S$500 on your UOB One Card and/or selected Cards monthly.
What constitutes as spend?

 

All Visa and/or Mastercard® transactions successfully posted in the calendar month which also includes:

  • All Visa and/or Mastercard retail spend on your card.
  • Recurring payments which covers your insurance premiums charged to your card.

Selected Cards include UOB Lady’s Card+, UOB YOLO, UOB Debit Card and UOB Direct Visa Debit Card

 

Don't have UOB One Card? Get one today.

Apply for UOB One Account and UOB Lady's Card here.

Apply for UOB One Account and UOB YOLO here.

 

Note: A UOB Debit Card will be automatically issued to you if your UOB Credit Card (UOB One Card/UOB Lady’s Card/UOB YOLO) application is unsuccessful.

+UOB Lady's Card refers to any UOB Lady's / Lady's Platinum / Lady's Solitaire Credit and/or Lady’s Debit Cards issued by UOB.

 

Action 2: Crediting your salary (min S$2,000) monthly to your UOB One Account

What constitutes as Salary Credit?

  • Only valid for salary credited through GIRO with the transaction reference "SALA"
  • To set up your salary crediting account, please inform your HR department of your new account number. If applicable, you can use the template we have developed for you to send it to your HR department. Download it here.
  • Bonus interest is paid on the Monthly Average Balance# at month end

 

Action 3: Make 3 GIRO debit transactions monthly from your UOB One Account

What constitutes as GIRO debit transactions?

  • You need to make 3 GIRO debit transactions payable to any billing organisation with the bank, within the calendar month
  • You can use the GIRO form to facilitate your GIRO instructions. Download it here.
  • Bonus interest is paid on the Monthly Average Balance# at month end

 

How to earn up to 2% p.a.^ interest?

 

Spend at least S$500 on your UOB One Card/selected Cards monthly.
What constitutes as spend?

 

All Visa and/or Mastercard® transactions successfully posted in the calendar month which also includes:

  • All Visa and/or Mastercard retail spend on your card.
  • Recurring payments which covers your insurance premiums charged to your card.

Selected Cards include UOB Lady's Card+, UOB YOLO, UOB Debit Card and UOB Direct Visa Debit Card

 

Don't have UOB One Card? Get one today.

Apply for UOB One Account and UOB Lady's Card here.

Apply for UOB One Account and UOB YOLO here.

 

Note: A UOB Debit Card will be automatically issued to you if your UOB Credit Card (UOB One Card/UOB Lady’s Card/UOB YOLO) application is unsuccessful.

+UOB Lady's Card refers to any UOB Lady's / Lady's Platinum / Lady's Solitaire Credit and/or Lady’s Debit Cards issued by UOB.

 

How It Works

Account balance in your UOB One AccountFirst S$10,000Next S$20,000Next S$20,000Above S$50,000
Spend S$500 on your UOB One Card and/or selected Cards 1% p.a. 1.5% p.a. 2% p.a. 0.05% p.a.
Spend S$500 on your UOB One Card and/or selected CardsCredit your salary (min. S$2,000) or Pay 3 bills monthly via GIRO 1.5% p.a. 2% p.a. 3.33% p.a.

 

Total interest is equivalent to Base Interest Plus Bonus Interest. Base interest is 0.05% p.a.. Bonus interest is paid on first S$50,000 balance in your One Account.

Calculator

Account balance
S$
S$
S$
One Account Interest(yearly):S$1,216
+
UOB One Card Cash Rebate(yearly):S$200
=
Total Interest & Cash Rebate earned(yearly)S$1,416
Rebate Calculator
 
Key in your monthly spend on the card and see the rebate and other benefits you′ll receive.
petrol
Petrol:Best fuel petrol savings: Up to 20.8% at Shell and 24% at SPC.
S$
groceries
Groceries:Additional 0.5% SMART$ rebate at Cold Storage, Market Place, Jasons, Giant.
S$
dining
Dining:Up to 50% off with UOB Dining Privileges.
S$
bill-payment
Recurring Bill Payment:(Mobile/broadband, insurance)
Enjoy rebates with recurring bill payments. Click here for form.
S$
other-spend
Other Spend:(including supplementary card spend)
Enjoy rebates with monthly instalments, and supplementary card spend.
S$
total-spend
Total Monthly Spend:
S$0
cash-rebate
Total Cash Rebate:with your UOB One Card in a year
S$0

 

Note:

With effect from 1 Feb 2017,
1) Monthly instalments under 0% Instalment Payment Plan and SmartPay will not qualify as card transactions and such spend will not go towards the minimum spend and will not be awarded cash rebate.

2) A minimum of 5 transactions per month must be made to earn cash rebate and will take effect on your new qualifying quarter.
Please note that there will be changes to the UOB One Card terms and conditions. Refer to FAQs for more information.

Apply Now

Eligibility and fees

Age 18 years beyond
 
Fall-below Fee $2
Min Monthly Average Balance of $500
Early Account Closure Fee $30
Within 6 months from opening
Cheque Book $10
Per additional cheque book
(50 leaves)

Learn more about account fees and charges.

 

Get up to S$100 cash credit* when you apply online.

Apply Now

 

Note: A UOB Debit Card will be automatically issued to you if your UOB Credit Card (UOB One Card/UOB Lady’s Card/UOB YOLO) application is unsuccessful.

 

Locate the nearest Branch for Foreigners

Actions or documents required

Singaporeans and PR (Retrieve with MyInfo)

  • Sign up for MyInfo
  • SingPass Login

 

Singaporeans and PR (Filling up the form)

  • Upload images of NRIC (front and back)
  • Authorise the bank to access CPF history

 

Foreigner and U.S Person (At branch)

  • Passport
  • Proof of Residents Address
  • Employment Pass/ S Pass/ Dependent Pass

 

 

Simpler with MyInfo:
A government digital service to open a UOB account with just your SingPass login.


Personal details (such as your full name, NRIC, address, etc) will be pre-filled with information retrieved from government agencies.
Upload of supporting documents now not required. Find out more

 

^Maximum effective interest rate (EIR) on the One Account is 1.60% p.a. for deposits of S$50,000, provided customers meet the criteria of S$500 Card Spend. Maximum effective interest rate (EIR) on the One Account is 2.43% p.a. for deposits of S$50,000, provided customers meet both criterias of S$500 Card Spend and S$2,000 salary credit or 3 GIRO debits per month. 

+Enjoy up to 3.33% cash rebate based on a spend of S$500 or S$1,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$50 or S$100 respectively. Enjoy up to 5% cash rebate based on a spend of S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$300. Each qualifying quarter consists of 3 consecutive statement periods. Please refer to full set of UOB One Visa Credit Card Terms and Conditions.

 #Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month. 

Cessation of Cheque Book Delivery to Overseas Mailing Addresses 

One Account: Revision of Terms and Conditions Governing Accounts and Services (Individual Customers)

 

Important Notices

Important information on the use of UOB Accounts and Services

 Terms and Conditions 

10% rebate on mobile payments Promotion is only applicable to principal Cardmembers of a UOB One Card that is issued by United Overseas Bank Limited in Singapore, who have successfully registered before 31 October 2017 via Short Message Service (SMS):- “10NRIC Number (eg. 10 S1234567A)” to 77862; and has a applicable minimum retail spend of S$500 for each qualifying period. Limited to the first 10,000 eligible Cardmembers, subject to a cap of S$50.00 per eligible Cardmember. Other terms and conditions of the Promotion apply.

*S$20 Cash Credit for UOB One Account: Limited to the first 700 Participants of Aug, Sep and Oct 2017 respectively (each a “Month”) to fulfill the following conditions: (i) successfully open a new UOB One Account online in the Month and have an account number for that new UOB One Account issued to him/her by that respective Month; (ii) deposit a minimum sum of S$10,000 in Fresh Funds into that new UOB One Account by the respective Deposit Date (i.e. by 15 Sep 2017; 15 Oct 2017 or 15 Nov 2017) through selected approved channels and maintain that deposit up to the respective Retention Date (i.e. up to 15 Oct 2017; 15 Nov 2017 or 15 Dec 2017). Other terms and conditions of the UOB One Account Online Promotion (10 Aug to 31 Oct 2017) (“Promotion”) apply. Save where otherwise defined, capitalized terms used herein has the same meaning as the same capitalized terms used in the full Promotion terms. Full terms and conditions of the Promotion apply.

*S$80 Cash Credit for UOB Credit Cards: Limited to the first 600 qualifying new UOB Principal Credit Cardmembers. New Cardmembers must spend a minimum of S$600 within the first 30 days of card approval. S$20 Cash Credit for UOB Credit Cards: Limited to the first 600 qualifying existing UOB Principal Credit Cardmembers. Cardmembers must spend a minimum of S$300 within the first 30 days of card approval on the new card. Valid till 30 September 2017. Other terms and conditions apply. Click here for full details.

More information

Deposit Insurance Scheme

Providing limited compensation to selected eligible deposits

Find out more

Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$50,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Please refer to UOB/FEB Insured Deposit Register for a list of UOB accounts/ products that are covered under the Scheme.