Announcement: With effect from 1 November 2020, the prevailing interest rate for the UOB One Account will be revised. Click here for more information.

Still the simpler way to earn higher interest rates

Up to 2.5% p.a.1 interest
Get up toS$80 When you apply online for
UOB One Account2

Up to 2.5% p.a. interest when you spend S$500 monthly AND credit your salary or pay 3 bills monthly via GIRO.

You need to perform Action 1 AND 2 or 3

Action 1

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 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.

Action 2

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
Action 3

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

How it works

Account balance in your UOB One Account Next S$15,000 Next S$15,000 Next S$15,000 Next S$15,000 Next S$15,000 Above S$75,000
Total interest p.a.1 with effect from 1 August 2020
A. Meet card spend of min. S$500 (calendar month)
Total Interest for A^ 0.25% 0.25% 0.25% 0.25% 0.25% 0.05%
B. Meet card spend of min. S$500 AND credit your salary OR make 3 GIRO debit transactions
Total Interest for B^ 0.75% 0.85% 0.90% 1.00% 2.50% 0.05%
^Total interest A is equivalent to Base Interest plus Bonus Interest A; Total Interest B is equivalent to Base Interest plus Bonus Interest B; where current Base Interest is 0.05% p.a. and Bonus Interest is paid on the first S$75,000 balance 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.’

Apply for both UOB One Account1 and UOB One Credit Card

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.

Apply for both UOB One Account1 and UOB One Debit Card

Apply for a new UOB account 24/7 by retrieving your personal information with MyInfo. Applications submitted between 8.30am to 9pm (for new UOB customers) will be opened instantly. Applications received outside these times will be processed the next working day. UOB One Debit Mastercard will be issued when you apply online for the UOB One 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