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Structured Deposits

Structured Deposits

Earn potentially higher returns1 with a combination of deposits with derivative instruments on one or more assets such as equities, bonds and currencies.

Diversified risks, enhanced yields

Enjoy potentially higher returns

Enjoy potentially higher returns1

Go further than with a traditional fixed deposit, especially in a low interest rate environment.

No upfront costs

No upfront costs

Maximise your available capital.

Guaranteed principal

Guaranteed principal

Receive your pre-agreed principal amount by holding until maturity.

Ready to invest? Get in touch with our specialists.

Ready to invest?
Get in touch with our specialists.

    Frequently asked questions

    What do I need to start investing?
    1. Open a UOB SGD/USD business account
    2. Open a UOB Fixed Deposit account
    3. Add funds to your account (min. $200,000)
    4. Start investing

    Get in touch and we’ll help you get started

    Your pre-agreed principal amount is guaranteed upon maturity. They also do not require any active management on your end, and may yield higher returns than a conventional fixed deposit.

    Structured Deposits are available in SGD and USD, with minimum contracts of S$200,000.

    Yes, but subject to certain breakfund/unwinding costs and/or charges that may levied by the bank.

    Indicate your interest with us and we'll keep you notified.

    Product terms and conditions apply.

    • The information is given on a general basis and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction.
    • UOB does not warrant the accuracy, adequacy , timeliness or completeness of the information contained herein for any particular purpose and thus assumes no responsibility of it.
    • Investors may wish to seek advice from a professional or an independent financial adviser before investing in any investment product.
    • This advertisement has not been reviewed by the Monetary Authority of Singapore.

    1 Unlike traditional deposits, structured deposits have risk and investment elements, and returns may vary. Please refer to the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch.

    The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the structured deposit is principal guaranteed only if held until the maturity date. The structured deposit may not be withdrawn before the maturity date without express consent from UOB. In the event that UOB allows you to withdraw the structured deposit before the maturity date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your principal amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase the structured deposit. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether the structured deposit is suitable for you.

    Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance and Policy Owners’ Protection Schemes Act (Chapter 77B), and are not insured by the Deposit Insurance Scheme.

    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$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
    Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.
    For more information on the Deposit Insurance Scheme, please click here.

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