What are the documents required if I don't wish to apply via online application?

For salaried employees:

• NRIC (front and back) and
• Image of your specimen Signature that is clear and upright and
• Latest billing proof (within the last 6 months) as per your local home address (e.g. telephone or utilities bills, etc) if differs from address in NRIC and
• Income documents (any of the following)
  
  • Latest 12 months' CPF Contribution History Statement or
  • Latest Computerised Payslip (Fixed income earner with Basic Salary = S$2,500) / Latest 3 months' Computerised Payslip (Variable Income earner with Basic Salary < $2,500) or
  • Latest Income Tax Notice of Assessment^{^} + Latest 12 months' CPF Contribution History Statement^* or
  • Latest Income Tax Notice of Assessment^{^} + Latest Computerised Payslip (in Singapore Dollar currency)

^{^}Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.

For self-employed applicants:

• NRIC (front and back) and
• Image of your specimen Signature that is clear and upright and
• Latest Income Tax Notice of Assessment^{^}

^{^}Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN

For commission-based employees:

• NRIC (front and back) and
• Image of your specimen Signature that is clear and upright and
• Latest Income Tax Notice of Assessment^{^}

^{^}Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN

How much credit will be granted?
A credit line of 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 will be granted upon approval of application.

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.

How may I obtain a permanent increase in my credit limit?
Click here for details.

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.

Are there any charges for cash withdrawal using my UOB ATM Card or UOB CashPlus Visa Card?
Cash withdrawal is absolutely free at all UOB ATMS in Singapore, Malaysia, Indonesia and Thailand.
Cash withdrawal is also free at locally shared ATMs with OCBC.
Cash withdrawals from ATMs on the VISA Global ATM Network carry a nominal charge of S$5 per transaction.

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.

Are there charges for issuing UOB CashPlus cheques?
From 1 November 2023, SGD cheque issuance from UOB CashPlus will be charged S$0.75 per cheque.
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.

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.

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.

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$10 per month applies.

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:

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.

How do I make repayments?

• Cheque Payment - Cheques should be crossed and made payable to your own name (in accordance with your CashPlus Account). Please indicate your CashPlus Account number and the payment amount on the reverse side of your cheque and Payment Advice. You can download and print your own business reply envelope at uob.com.sg/bre
• Cash - Cash payment is accepted at any of our local branches or Cash Deposit Machines. Please allow at least one working day for your CashPlus Account to be credited when cash payment is made.
• Funds Transfer to UOB CashPlus account performed after 10pm or on a Sunday and public holidays will be reflected as the next business day’s transaction in your account statement.
• UOB Phone Banking/Internet Banking/UOB ATM - Payment may be made by UOB Phone Banking service at 1800 22 22 121 (24-hour) or Internet Banking at www.uobgroup.com with a UOB Savings/Current account or at any UOB ATMs islandwide.
• GIRO - Minimum Payment Amount will be deducted on due date. You can download and print the application form here.
  
  

What can I use UOB CashPlus for in Internet Banking?

• Make immediate and scheduled funds transfers of up to two years, to your UOB accounts, third-party accounts or other bank accounts
• Make immediate and scheduled bill payments of up to two years, to over 80 billing organisations (SingTel, M1, StarHub, SP Services, Town Councils, country clubs, etc)
• Enquire about your cheque payments
• Add a GIRO Arrangement…… and many more
  
  

Are there exclusions to the acceptance of PayNow for CashPlus?

With effect from 3rd Nov 2023, PayNow transfers to the registered PayNow proxies of the following entities will not be allowed if UOB CashPlus is the source of funds for such transfer:

• Singapore Pools (Private) Limited
• Marina Bay Sands Pte Ltd.
• Resorts World At Sentosa Pte. Ltd.