Overdraft Secured by Deposits



Up To 100% Financing*

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Low Interest Rate*

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No Minimum Monthly Repayment

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Now you can make your assets work harder for you. With UOB Secured Overdraft, you will have extra cash of up to 100% of your asset value* when you pledge them as collateral with UOB.

Acceptable Assets:

  • Fixed Deposits


With interest rates* from as low as our prime lending rate*, you will have extra cash to fulfill your plans – seize an investment opportunity, start a business venture, pay off an existing loan or use it for any purpose without liquidating your assets!


What's more, interest is charged only on the amount used. With no minimum monthly repayment, you can manage your cash flow with greater financial flexibility and peace of mind.



No Minimum Deposit & Fall-Below Fees

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Phone Banking Or Internet Banking Services

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UOB Secured Overdraft comes with a chequebook and an ATM card which gives you instant access to cash at over 877,000 ATMs worldwide. You will also enjoy total convenience with no minimum deposit required in your current account and a waiver of the account fall-below fees.


For greater access to funds, apply for our Phone Banking or Internet Banking services which will enable you to pay bills, transfer funds, check account balances, make enquiries on cheque status and more!





You must be at least 21 years old

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Contact Us


Application is easy. There is no processing fee or salary requirement.
Call Us 24-hours, toll-free at 1800 222 2121

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Via Branches


Visit any UOB Group Branch and speak with our friendly Bankers


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More Information

Terms & Conditions Governing UOB Secured Overdraft

* Financing quantum and interest rate will vary according to the type of collateral provided. Terms and conditions apply.