UOB Balance Transfer

  • Enjoy more of what you love with UOB Balance TransferEnjoy more of what you love with UOB Balance Transfer

    Get extra cash without extra stress


    Enjoy exclusive 0.5% cash rebate when you apply online.

    Promotion ends 31 March 2023. T&Cs apply.

    Apply now



Extra cash at 0%^ interest

Get extra cash today for your investments, go for that well-deserved holiday or give your home a makeover.

^Processing fees apply.


Flexible repayments

Pay from as little as S$30 or 2% of the statement balance, whichever is higher.

Note: For CashPlus Balance Transfer only. For Credit Cards Balance Transfer, pay from as little as 3% of outstanding statement balance of S$50, whichever is higher.


Get instant cash today when you apply for UOB Balance Transfer online

Instant cash upon approval for applications submitted between 8am to 9pm


Enjoy 0.5% cash rebate with no cap on your UOB Balance Transfer approved loan amount of at least S$10,000 on any tenor.

Promotion ends 31 March 2023. T&Cs apply.

Terms and conditions apply. Click here for full terms and promotions.

Rates & tenors

Balance Transfer at 0%^ interest rate


Apply now

Processing fee

Effective interest rate

with UOB Credit Cards*

Effective interest rate

with UOB CashPlus*

 3 months

1.49% 6.11% p.a. 6.05% p.a.

 6 months

2.50% 5.34% p.a. 5.20% p.a.

12 months

4.28% 4.95% p.a. 4.69% p.a.

*The Effective Interest Rate (EIR) is calculated based on an approved balance transfer amount of S$10,000 with 3%/2% of monthly minimum repayment (for Cards Balance Transfer and CashPlus Balance Transfer respectively) and full repayment of the balance transfer amount outstanding at the end of the promotional period. Effective interest rate is subjected to compounding if the monthly interest charges are not paid in full. The promotional interest rate is applicable only to approved balance transfer amount and is valid from the date the bank approves the balance transfer request and ends when the approved balance transfer amount is fully paid or on the last day of the promotional tenor, whichever earlier. Thereafter, the prevailing cash advance interest rate (Credit Cards BalanceTransfer) or prevailing CashPlus interest rate (CashPlus Balance Transfer) shall apply or such other rates as the bank may stipulate from time to time at its absolute discretion.


Your savings at a glance:

Other bank's credit card
UOB Balance Transfer
Outstanding amount on
other bank's credit card
S$10,000 Outstanding amount on
UOB Balance Transfer
Your interest rate for
12 months
26% p.a. Your interest rate for
12 months
Interest payable on
other bank's credit card
S$2,600 One-time processing fee:
4.28% for 12-month loan
    YOU SAVE S$2,172


  • Existing UOB Credit/CashPlus customer
  • Singapore citizen or Permanent Resident
  • 21 - 65 years old
  • Minimum annual income of S$30,000

More Information

To enjoy UOB Balance Transfer at your convenience, please call 6668 2087 between 9.30am to 6pm (Mon to Fri).

Enjoy 0.5% cash rebate on your approved loan amount when you apply for UOB Balance Transfer online now. T&Cs apply.

Apply Now