Secure extra cash instantly at low processing fees and 0%^ interest when you apply for UOB Balance Transfer online now. T&Cs apply±.
Stress Less with 0%^ interest on UOB Balance Transfer across tenors of 3, 6 or 12 months
Guaranteed S$100 cash rebate
- From now till 30 April 2025, enjoy S$50 cash rebate for your first approved balance transfer with minimum amount of S$10,000 in this period. Applicable only for tenor of 6 months.
T&Cs apply*±.
Apply now
Benefits
Extra cash at 0%^ interest
Get extra cash for life’s important moments at 0%^. Manage your expenses with ease and flexibility whether it is for giving your home a stunning makeover, covering medical expenses for peace of mind or preparing for the arrival of your newborn baby.
^Processing fees apply
Flexible repayments
Pay from as little as S$30 or 2% of the statement balance, whichever is higher.
Get instant cash today when you apply for UOB Balance Transfer online
Instant disbursement upon approval is only applicable to online applications submitted between 8am to 9pm, from Monday to Saturday, using UOB current/savings accounts for loan disbursements.
Rates and tenors
-
Tenor
-
One-time processing fee^
-
Effective interest rate with UOB Credit Cards* (p.a.)
-
Effective interest rate with UOB CashPlus* (p.a.)
| Tenor | One-time processing fee^ | Effective interest rate with UOB Credit Cards* (p.a.) | Effective interest rate with UOB CashPlus* (p.a.) |
| 3 months Apply now |
1.49% | 6.11% | 6.05% |
| 6 months Apply now |
2.50% | 5.34% | 5.20% |
| 12 months Apply now |
4.28% | 4.95% | 4.69% |
*±Click here for full UOB Balance Transfer and Cash Rebate Promotion terms and conditions.
To enjoy UOB Balance Transfer at your convenience, please call 6668 2087 between 9.30am to 6pm (Mon to Fri).
Your savings at a glance:
- Other bank's credit card
- UOB Balance Transfer
| 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 | S$10,000 |
| Your interest rate for 12 months | 28% p.a. | Your interest rate for 12 months | 0% |
| Interest payable on other bank's credit card | S$2,800 | One-time processing fee: 4.28% for 12-month loan | S$428 |
| You save | S$2,372 | ||
Frequently asked questions
I am an existing UOB Credit Card principal cardholder or CashPlus account holder, do I have to provide any documents?
As an existing credit card member or CashPlus account holder, no documents will be requested during application. However please ensure that your UOB Credit Card or CashPlus account is active and all your particulars including income are up to date.
Why did I received a lower loan amount than requested in my application?
The approved loan amount is subjected to the bank's review and can be lower than what you have requested. Disbursement happens automatically after approval to ensure customers receive their funds as fast as possible.
Will there be late repayment penalties charged if I don’t make repayment for my monthly instalment before due date during the loan tenor?
Yes, the prevailing late charge of your UOB Credit Card (or overdraft charges for UOB CashPlus account) will apply to your UOB Credit Card Balance Transfer (or UOB CashPlus Balance Transfer) if full payment of your minimum amount due is not received by statement due date.
Will I earn Uni$ from taking a UOB Credit Card Balance Transfer?
No, Credit Card Balance Transfers do not earn any Uni$ on your credit card with the bank.
Can I pay off my UOB Balance Transfer early?
There is no early repayment fee, however, once the outstanding amount has been paid, it cannot be reversed for you to enjoy the 0% interest again, even if it’s within the loan tenor.
Is there any restrictions to the disbursement of funds?
Yes, the funds for UOB Balance Transfer cannot be disbursed to or used for repayment of your UOB credit facilities, including your UOB Credit Card and UOB CashPlus account. Some possible uses for these funds are wedding, home renovations, travel, entrepreneurship, reducing or consolidating your debt with other banks or financial institutions, medical or other emergencies, lump sum payment for goods and services such as rent, tuition, school fees, etc.
At the end of my selected tenor of 3, 6 or 12 months, when does the 0% interest end on my Balance Transfer?
- Credit card balance transfer (CCBT): 0% interest ends on your monthly statement date
Example:
-
- Approved on 20th January for a 6-month period
- Your statement cycle is on the 5th of each month
- 0% interest will expire on 5th August
- CashPlus balance transfer (CPBT): 0% interest ends day of approval
Example:
-
- Approved on 20th January for a 6-month promotion
- 0% interest will expire on 19th July
Please note that the 0% interest also ends when you've made full payment.
Things you should know
Eligibility
- Existing UOB Credit/CashPlus customer
- Singapore Citizen or Permanent Resident
- 21 - 65 years old
- Minimum annual income of S$30,000
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this product.
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