Enjoy 0% interest for 6 months with 1.38% processing fee (EIR 2.92%p.a.). Plus, choose from 4 URS & inc luggage designs.
Apply Now
Apply for UOB CashPlus Funds Transfer and enjoy 0% interest for 6 months with 1.38% processing fee (EIR 2.92% p.a.). You can now have the extra cash to fly off to your dream destination!
Plus, get a complimentary 28” luggage worth S$209 from Japanese lifestyle label URS & inc. with a minimum transfer of S$5,000. There are 4 trendy designs to choose from!
Promotion is valid from 1 May 2018 to 30 June 2018.
Get cash of up to 6x your month salary or S$200,000¹ for your investments, holiday, renovation, education or dream wedding!
Enjoy lower interest rate as compared to credit cards.
Get extra cash, when and where you need it, plus get 1.5% cash rebate with UOB CashPlus Visa Card.
Flexible repayment³ - As low as 2.5% of the outstanding amount or S$30 per month
Fixed repayment⁴ - A long term loan of up to 60 affordable monthly instalments
Transfer funds or make payments online.
Access cash from over 40 UOB Branches in Singapore.
Ease of paying anyone.
Withdraw cash instantly from ATMs in Singapore.
Don’t have a UOB CashPlus Visa Card? Download a form here.
Complete the online application form and upload the required documents to us before 1pm on a business day.
You will receive a SMS notification to inform you of the approval of your UOB CashPlus facility. You can start using your facility on the following day via UOB Personal Internet Banking or at any UOB Branch. Your UOB CashPlus Visa Card and chequebook will be mailed to you separately.
Apply now
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
*You may submit your CPF Statements via www.uobgroup.com/submitcpfstmt.jsp (you will need your SingPass to gain access)
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
UOB CashPlus Credit Limit Review
To enjoy greater financial freedom, simply complete the UOB CashPlus Credit Limit Review Application Form, and furnish us the completed form together with supporting documents.
CreditSure Plus
A credit life insurance protection plan under a group term protection scheme designed to pay off the outstanding balances on you UOB CashPlus account, should misfortune happen.
1Credit limit is subject to approval. Get up to 6x your monthly salary or S$200,000, whichever is lower, if you earn above S$10,000 a month. Or up to 4X your monthly salary if you earn between S$2,500 to S$10,000 a month.
2General information on UOB CashPlus
3Flexible repayment via UOB Funds transfer
4Fixed repayment via UOB Personal loan
5Includes OCBC ATMs under the same shared ATM network
6Terms and Conditions Governing UOB CashPlus Visa Card Cash Rebate
Q1. How can I apply for UOB CashPlus?
You can apply for UOB CashPlus in any of the following ways:
Q2. What are the requirements?
You must be a Singapore Citizen or Permanent Resident of age 21 years and above with minimum income of S$30,000 p.a.
Q3. What are the documents required?
For salaried employees:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
*You may submit your CPF Statements via www.uobgroup.com/submitcpfstmt.jsp (you will need your SingPass to gain access)
For self-employed applicants:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN
For commission-based employees:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN
Q4. How much credit will be granted?
A credit line of up to S$200,000 cash or 4 times your monthly income, whichever is lower, will be granted upon approval of application.
Q5. How do I access my credit line?
Simply access cash via UOB Personal Internet banking, UOB branches, ATMs, UOB CashPlus chequebook, or UOB CashPlus Visa Card.
Credit balances in your UOB CashPlus account will be drawn down first before your credit line is utilised. And upon payment to your UOB CashPlus account, your credit line will be reinstated.
Q6. How do I keep track of my usage?
Your UOB CashPlus monthly statement of account will be generated every month to reflect all transactions or charges for that month. You may also login to UOB Personal Internet Banking at www.uob.com.sg for a record of your latest transactions and balance.
Q7. How may I obtain a permanent increase in my credit limit?
Click here for details.
Q8. How does the UOB ATM Card or UOB CashPlus Visa Card work?
Your UOB ATM Card / UOB CashPlus Visa Card is linked to your UOB CashPlus account. You can withdraw cash at local ATMs and at over 877,000 ATMs worldwide.
Q9. How much cash can I withdraw at the ATMs?
In Singapore, the daily withdrawal limit at the ATM is S$3,000. Outside Singapore, the daily limit is the same in local currency or the withdrawal limit of the ATM used, whichever is lower.
Q10. Are there any charges for cash withdrawal using my UOB ATM Card or UOB CashPlus Visa Card?
Cash withdrawal is absolutely free at all local UOB ATMs. For locally shared ATMs, the first two transactions of the month are free. Subsequent withdrawals are charged at S$0.30 each.
Cash withdrawals from UOB ATMs in Malaysia carry a service charge of S$2, while withdrawals from ATMs on the VISA Global ATM Network carry a nominal charge of S$5 per transaction.
Q11. What should I do if I lose my UOB ATM Card or UOB CashPlus Visa Card?
You should call our UOB Call Centre immediately 24-hour, toll-free at 1800 222 2121. We will cancel your lost card, and issue you a new one. However, a S$20 replacement fee applies.
Q12. Are there charges for issuing UOB CashPlus cheques?
No, as long as the amount issued is within your available credit limit.
There is a handling fee of S$40 for every returned cheque, and S$30 for each stop cheque payment instruction.
For total peace of mind, you may check your current available balance simply by accessing your UOB CashPlus account via UOB Personal Internet Banking or phone banking.
Q13. What happens if I run low on cheques?
UOB will automatically mail you a new UOB CashPlus cheque book when you have 10 cheques remaining in your cheque book. If you would like to request for a new cheque book, just visit your nearest UOB Group Branch. You may also use our phone banking service to request for one.
Q14. What if I lose my UOB CashPlus cheque book?
You should call our 24-hour UOB Call Centre at 1800 222 2121 immediately to place a stop payment on your cheque(s) so as to prevent fraudulent use, and arrange for an immediate replacement of your cheque book. Please note that a service charge of S$30 will be levied.
Q15. How is the UOB CashPlus interest calculated?
Interest is calculated daily by multiplying the daily outstanding balance by the annual rate that is divided by 365 days. The total interest will be reflected in your monthly Statement of Account.
Interest will continue to incur until repayment of the full amount into the UOB CashPlus account. Kindly note a minimum interest charge of S$5 per month applies.
Q16. How much do I have to pay monthly?
You may choose to service only the minimum amount payable stated in your monthly Statement of Account. The minimum sum payable is calculated based on the following table:
| Outstanding Amount | Minimum Sum Payable |
| Less than S$30 | No payment required |
| S$30 - S$1,200 | S$30 |
| More than S$1,200 | 2.5% of outstanding amount plus excess if applicable |
Kindly make your payment in Singapore dollars.
If you wish to check the exact outstanding amount payable, you may call us at 24-hour, toll-free at 1800 222 2121. Our friendly customer service officers will be happy to assist you.
Q17. How do I make my payment?
Q18. Do credit balances in my UOB CashPlus Account earn me daily interest?
No interest is payable on credit balances in the UOB CashPlus account.
Q19. How does UOB phone banking service meet my needs?
With our 24-hour phone banking service, you may perform a variety of banking transactions such as:
Alternatively, you may like to speak to our friendly customer service officer for assistance.
Q20. How do I access my UOB CashPlus account via the Internet?
Q1. What is a UOB CashPlus Visa Card?
UOB CashPlus Visa card is a new add-on usage mode for our customers to make payment for things in shops or online. You can also use it to withdraw cash at over 877,000 ATMs worldwide.
Q2. What benefits will I enjoy with this UOB CashPlus Visa Card?
You will earn 1.5% cash rebate on all everyday purchases with the UOB CashPlus Visa Card and the maximum cash rebate is capped at S$50 per month.
There is no minimum spend amount required before you can qualify for the cash rebate. Any cash rebate earned in your current month's statement will be automatically credited to your following month's statement.
Plus, you are entitled to enjoy UOB Cards offers at over 1,000 merchants when you pay with the UOB CashPlus Visa Card.
Q3. I currently hold a UOB CashPlus account, how do I apply for the UOB CashPlus Visa Card?
Please call our 24-hour, toll-free hotline at 1800 2222 2121 to request for a UOB CashPlus Visa Card or download a form here
Q4. What are the requirements for a UOB CashPlus customer to get a UOB CashPlus Visa Card?
You must have a UOB CashPlus account; annual income of at least S$30,000 and above and age 21 and above.
More information available at this link: http://www.uob.com.sg/personal/borrow/cashplus/overview.page
Q5. When and who will be issued the new UOB Visa Card?
For new UOB CashPlus accounts approved from 15 November 2015, all customers with annual income S$30,000 and above will be issued a UOB CashPlus Visa Card.
For customers with annual income less than S$30,000, they will be issued with an ATM card.
For application, please visit https://uniservices1.uobgroup.com/secure/forms/cashplus.jsp
Q6. How do I calculate the cash rebate amount awarded to me?
Cash rebate will only be awarded for Point-of-sales (POS) and online transactions made on your UOB CashPlus Visa Card (capped at S$50 per month*, credited to your account in the following month).
See illustration below:
| Description | Amount Used | Cash Rebate 1.5% (Capped at S$50 per month) |
| Giant Online | S$200 | S$3.00 |
| Cash Withdrawal | S$300 | - |
| Cheque | S$1000 | - |
| Robinson | S$300 | S$4.50 |
| Shell | S$150 | S$2.25 |
| Total Cash Rebate Credited | S$9.75 |
| Description | Amount Used | Cash Rebate 1.5% (Capped at S$50 per month) |
| Giant Online | S$200 | S$3.00 |
| ATM Cash Withdrawal | S$300 | - |
| Cheque | S$1000 | - |
| Robinson | S$380 | S$5.70 |
| Shell | S$150 | - |
| NTUC | S$280 | S$4.20 |
| Best Denki | S$1,500 | S$22.50 |
| Watson | S$80 | S$1.20 |
| Online Fund Transfer | S$2,000 | - |
| Agoda.com | S$1,850 | S$27.75 |
| Total Cash Rebate | S$64.35 | |
| Total Cash Rebate Credited | S$50.00* |
Q7. How much can I charge to my UOB CashPlus Visa Card?
You can charge up to the available credit limit on your UOB CashPlus account. The same limit will be applicable for your POS transactions, ATM withdrawals, cheque usage, online fund transfers and bill payments.
Q8. Do I earn the SMART$ on UOB CashPlus Visa Card?
Yes. UOB CashPlus Visa Card allows you to earn SMART$ Rebate at SMART$ participating merchants. SMART$ can be used to redeem at any SMART$ merchants in subsequent transactions, for the total price of the UOB CashPlus Visa Card transactions on shopping, dining and entertainment.
Q9. Will I earn both SMART$ and 1.5% cash rebate?
No, cash rebate will not be awarded on transactions at SMART$ merchants where SMART$ are issued.
Q10. Will there be interests charged to my retail purchases with UOB CashPlus Visa Card?
Yes. As long as there’s an outstanding balance on your UOB CashPlus account, the same prevailing interest rate (19.8%) is applicable and interests will be calculated on daily basis, based on the outstanding principle amount at the end of each day. A minimum interest charge of S$5 per month will apply if there’s any outstanding debit balance within the month.
Q11. Can I use my UOB CashPlus Visa Card for overseas transactions?
Yes, you must first activate the overseas usage feature on your UOB CashPlus Visa card to enjoy the point-of-sale (POS) functionality overseas. To activate/de-activate please visit www.uob.com.sg/overseas.
Q12. Is there a limit to the amount that can be charged to my UOB CashPlus Visa Card?
Yes, there is a daily spending limit of S$2,000 on your UOB CashPlus Visa Card.
Q13. Can I increase my Visa daily limit for UOB CashPlus Visa Card?
Yes, the Visa daily limit can be adjusted with your consent via an application form.
