UOB One Account
Whether you’re just starting out or taking your career further, we want to make it easy for you to maximise your money and reach your goals. With the UOB One Account, you can earn up to 7.8% p.a. interest in just two steps. That’s how simple it is!
See how it all adds up
-
Account Balance in your UOB One Account
-
Spend S$500 on your UOB EVOL Card
Total interest for A^ -
Spend S$500 on your UOB EVOL Card
+
Perform 3 GIRO transactions
Total interest for B^ -
Spend S$500 on your UOB EVOL Card
+
Credit your salary via GIRO
Total interest for C^
| Account Balance in your UOB One Account | Spend S$500 on your UOB EVOL Card Total interest for A^ |
Spend S$500 on your UOB EVOL Card + Perform 3 GIRO transactions Total interest for B^ |
Spend S$500 on your UOB EVOL Card + Credit your salary via GIRO Total interest for C^ |
| First S$30,000 | 0.65% p.a. | 2.50% p.a. | 3.85% p.a. |
| Next S$30,000 | 0.65% p.a. | 3.00% p.a. | 3.90% p.a. |
| Next S$15,000 | 0.65% p.a. | 4.00% p.a. | 4.85% p.a. |
| Next S$25,000 | 0.05% p.a. | 0.05% p.a. | 7.80% p.a. |
| Above S$100,000 | 0.05% p.a. | 0.05% p.a. | 0.05% p.a. |
| Account Balance in your UOB One Account |
| First S$30,000 |
| Next S$30,000 |
| Next S$15,000 |
| Next S$25,000 |
| Above S$100,000 |
^Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$100,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
UOB SmartPay
Whether you choose to #TreatYourself with gym package or pay for insurance bills, we got your back.
Interest-free monthly instalment
with 1-time low processing fee from 3%
Flexible payments
over 3, 6, 12 months
Fast and hassle-free application
via UOB TMRW, Personal Internet Banking, Online form or SMS
Example
- Tenure
- 3 months
- 6 months
- 12 monnths
| Tenure | 3 months | 6 months | 12 months |
| 1-time processing fee | 3% | 3% | 5% |
| Effective Interest Rate | 18.18% p.a. | 10.43% p.a. | 9.5% p.a. |
| For example, based on a retail purchase of S$3,600: | |||
| Monthly instalment | S$1,200 | S$600 | S$300 |
| 1-time processing fee | S$108 | S$108 | S$180 |
Things you should know
Terms and Conditions
W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM and Razer Pay and payments for utilities will be excluded from the awarding of cashback.
W.e.f. 1 March 2022, please be informed that transactions with transaction description "AMAZE* TRANSIT*" will be excluded from the awarding of cashback.
*Up to S$540 cash credit consist of 1), 2) and 3):
1) S$350 cash credit:
The first 200 new-to-UOB credit card customers in April 2024 who successfully apply for an eligible UOB Credit Card between 1 April 2024 and 30 April 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit. Click here for full terms and conditions.
2) UOB Online Account Opening Promotion (1 to 30 April 2024)
a) S$60 cash credit will be awarded to the first 200 New-to-UOB deposit customers (i) who submit an online account opening application between 1 to 30 April 2024 (both dates inclusive) for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account or UOB One Account, (ii) whose application is successfully approved by 30 April 2024, and (iii) deposit min. S$5,000 of fresh funds into their new UOB account by 30 April 2024, and (iv) hold the deposited fresh funds in their new UOB account until 31 May 2024 (inclusive of the date indicated).
OR
b) S$30 cash credit will be awarded to the first 200 existing UOB deposit customers (i) who submit an online account opening application between 1 to 30 April 2024 (both dates inclusive) for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account or UOB One Account, (ii) whose application is successfully approved by 30 April 2024, and (iii) deposit min. S$5,000 of fresh funds into their new UOB account by 30 April 2024, and (iv) hold the deposited fresh funds in their new UOB account until 31 May 2024 (inclusive of the date indicated). The fresh funds deposited by existing UOB deposit customers into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 30 March 2024.
Full Terms and Conditions governing UOB Online Account Opening Promotion (1 to 30 April 2024) apply.
AND
3) Up to S$130 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 April 2024 to 30 June 2024) by successfully submitting an online participation form at UOB Singapore website and completing any or all of the following actions:
(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan or UOB home loan from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.
(ii) S$50 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow within the next two calendar months from the date of submission of the online participation form.
(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service within the next two calendar months from the date of submission of the online participation form.
Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account. Full terms and conditions apply and can be accessed here.
Insured up to S$100k by SDIC
Please refer here for full FAQs for the UOB EVOL Card.
1To enjoy 8% cashback on Online and Mobile Contactless Spend, a min. spend of S$600 per statement month on your card is required. If the min. spend is not met, only the base 0.3% cashback on your Online and Mobile Contactless Spend will be awarded. Cashback is capped at S$20 per statement month for each of Online, Mobile Contactless and all Other Spend. Exclusions and other terms and conditions apply.
2Enjoy no annual fees when you make min 3 transactions on your UOB EVOL Card every month for 12 consecutive months prior to your card annual fee charge date.
3The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference "SALA"/ "PAYNOW SALA") in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 3.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 5.00% p.a. for deposits of S$100,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference "SALA"/"PAYNOW SALA") in each calendar month.
Deposit Insurance Scheme:
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member.
Apply & Pay within minutes is only valid for New-to-Bank applicants who use Myinfo to retrieve personal details and income information, pass all screening steps and income checks. Applications must be submitted from 7am - 8pm. You will be able to receive your physical card 5 working days upon card approval.
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