The highest interest rate ever
on your savings with One Account

Up to 7.8% p.a.1 interest
Get up to S$120 cash credit^ when you apply online for UOB One Account!

The highest interest rate ever on your savings with One Account – now up to 7.8% p.a. interest1

Whether you’re just starting out, striking out on your own, or taking your career further, we want to make it easy for you to maximise your savings and achieve your financial goals.

With the UOB One Account, you can now earn higher interest of up to 7.8% p.a.1 (approx. S$5,0001 a year) with just 2 simple steps!

All you need to do is – perform Step 1 AND 2a or 2b.

Step 1

Step 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 EVOL, UOB Lady’s Card+, UOB YOLO, UOB One Debit Mastercard* and UOB One Debit Visa Card* and Mighty FX Debit Card

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

Note: A UOB One Debit Mastercard* 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.

Step 2a

Step 2a

Crediting your salary (min S$1,600) monthly to your UOB One Account

What constitutes as Salary Credit?

  • Only valid for salary credited through GIRO/PAYNOW with the transaction reference "SALA“/”PAYNOW 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
Step 2b

Step 2b

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

How it works

Account balance in your UOB One Account First S$30,000 Next S$30,000 Next S$15,000 Next S$25,000New Above S$100,000
Total interest p.a.1
A. Meet card spend of min. S$500 (calendar month)
Total Interest for A# 0.65% 0.65% 0.65% 0.05% 0.05%
B. Meet card spend of min. S$500 AND make 3 GIRO debit transactions
Total Interest for B# 2.50% 3.00% 4.00% 0.05% 0.05%
C. Meet card spend of min. S$500 AND credit your salary via GIRO
Total Interest for C# 3.85% 3.90% 4.85% 7.80% 0.05%
#Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$100,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

Plus, never miss out on earning higher interest with the UOB TMRW app

Interest Tracker

Interest Tracker

Easily track your progress towards earning bonus interest every month on the UOB TMRW app. Simply tap on Accounts > One Account > Details

Monitor the activities required to unlock the next tier of bonus interest by clicking on View activities

UOB Insights

UOB Insights

Receive personalised reminders based on your saving habits so that you never miss out on topping up your UOB One Account balance to unlock the next tier of bonus interest

Start saving instantly from the comfort of your home

Whether you are an existing UOB saver or a new customer, you can open a savings account online, get approval within minutes~ and start transacting instantly without ever leaving home.

Apply for both UOB One Account1 and UOB One Credit Card

Online Account Opening Exclusive: Get up to S$420 cash credit* when you apply now!

Or visit one of our branches to open your account.

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

Apply for both UOB One Account1 and UOB One Debit Card

Online Account Opening Exclusive: Get up to S$120 cash credit^ when you apply now!

Or visit one of our branches to open your account.

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$75,000 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$75,000 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 Insured Deposit Register for a list of UOB accounts/products that are covered under the Scheme.

Deposit Insurance Scheme