Smart Money

  • UOB EVOLUOB EVOL

Smart Money

Enjoy up to S$118 cash credit# when you apply for a UOB One Account now!

Being able to grow your savings without doing a thing? Now we’re talking. Spend and save on the UOB One Account to enjoy these benefits.

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.NEW
Above S$100,000 0.05% p.a. 0.05% p.a. 0.05% p.a.

^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.

Whether you choose to #TreatYourself with a health and gym package, have to foot the bill for insurance premiums, or just want to fund a lifestyle, UOB SmartPay has got your back.

1) Interest-free monthly instalment with 1-time low processing fee from 3%

2) Flexible payments over 3, 6, 12 months

3) Fast and hassle-free application via UOB TMRW,
Personal Internet Banking, Online form or SMS

Tenure3 months6 months12 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:

Tenure3 months6 months12 months
Monthly instalment S$1,200 S$600 S$300
1-time processing fee S$108 S$108 S$180

 

SimpleInvest

SimpleInvest

 

Make TMRW yours, download now.

Huawei Gallery

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$418 cash credit consist of 1) And Either 2a) Or 2b) And 3):
1) S$300 Cash Credit:
For the first 100 new-to-UOB credit card customers who successfully apply for a selected UOB credit card by 31 January 2023 and they have spent a minimum of S$1,000 per month for 2 consecutive months from card approval date, they will receive either a one-time bonus credit of UNI$10,000 (equivalent to 20,000 miles) or a one-time cash credit of S$300. Click here for full terms and conditions.

And

2a) S$68 cash credit is only for the first 200 New to UOB Deposit customers per calendar month who:

  1. successfully open a UOB Lady’s Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account and/or UOB One Account online from 1 January 2023 to 28 February 2023, and
  2. deposits at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.

OR

2b) S$28 Cash Credit is only for the first 200 existing UOB Deposit customers per calendar month who:

  1. successfully open a UOB Lady’s Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account and/or UOB One Account online from 1 January 2023 to 28 February 2023;
  2. deposit at least S$5,000 of fresh funds into their new UOB Account within the account opening month and hold it till the end of the following calendar month; and
  3. fresh funds deposited into the new UOB Account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all other UOB current accounts and/or savings accounts of the customer as at 31 December 2022.

Click here for full terms and conditions

And

3) S$50 cash credit is available under the UOB Salary Credit Campaign (1 January 2023 to 30 June 2023) for customers who have:

  1. successfully submitted an online participation form here; and
  2. successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account via GIRO or PayNow within two calendar months from the date of submission of the participation form.

Click here for the Terms and Conditions governing UOB Salary Credit Campaign (1 January 2023 to 30 June 2023).

Insured up to S$75k by SDIC

*Eligible UOB Account: UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account and/or UOB One Account.

2The 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$75,000 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$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

To 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.

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.

Important Notice & Disclaimers
The information contained on this webpage shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing on this webpage constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained on this webpage, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of 1 May 2021, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained on this webpage , United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained on this webpage.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

 

Get up to S$418 cash credit* when you sign up now!

Apply Now

More Information