UOB Balance Transfer

  • funds-transferfunds-transfer

    Achieve greater flexibility with UOB Balance Transfer


    Enjoy 0% interest for 12 months with a bonus voucher of S$50!

    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


Get S$50 Dairy Farm Gift Voucher* when you apply for UOB Balance Transfer amount of at least S$10,000 for 12-months tenor.

Promotion ends 30 September 2021.

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

Rates & tenors

Balance Transfer at 0%^ interest rate


Loan tenor


Processing fee


Effective interest rate (% p.a)

with UOB Credit Cards*

Effective interest rate (% p.a)

with UOB CashPlus*


2.50% 5.34% 5.20%


Online exclusive
4.50% 4.28%
Online exclusive
5.20% 4.95%
Online exclusive
4.92% 4.69%

^Processing fees apply.

*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

Apply Now


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

No income documents required

Apply now

For application of UOB Balance Transfer with a credit card

Apply now

For application of UOB Balance Transfer with a CashPlus

Apply now

More Information

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