The Account that looks after you

The Account that looks after you

Save with the UOB Lady’s Savings Account and let your savings earn you both:

  • Free female cancer coverage of up to S$200,000 based on your balance saved
  • Interest of 0.05% p.a. on all balances

With no medical assessment required, coverage is guaranteed from the day you open a UOB Lady’s Savings Account, subjected to a 90-day waiting period from date of account opening.

Get up to S$520 worth of Cash & Gift Vouchers^

when you sign up for UOB Lady’s Card and UOB Lady’s Savings Account.
Apply now
For UOB Lady’s Card and UOB Lady’s Savings Account

Introducing the UOB Lady's Savings Account

The first-in-market women’s savings account in Singapore that gives you free female cancer coverage based on your savings, and enjoy a suite of medical, dental and wellness benefits.

Step 1

Save and Protect

  • Save in the UOB Lady’s Savings Account to get free cancer coverage of up to S$200,000
  • Increased entry age of up to 55 years oldNEW
  • Earn 0.05% p.a on all balances
  • Use the account like any regular savings account
Step 2

Medical

  • S$13 medical consultation at 500 clinics islandwide that extends to 4 dependents
  • Free annual health screening
Step 3

Dental

  • Teeth whitening package at a preferred rate of S$1,288, which includes in-clinic treatment for instant results and a take-home whitening kit for maintenanceNEW
  • Dental services for UOB Lady Savings Account holders that includes Consultation, Scaling & Polishing, Fluoride Treatment and Full mouth X-ray for S$95 (nett)
Step 1

Wellness

  • Build up your strength and mobility with in-studio Pilates classes at a newly-discounted rate of S$97NEW
Step 2

Savings & more

  • Exclusive deals and privileges with UOB Lady’s Card

Savings that provides cancer coverage for women

Simply save in the UOB Lady’s Savings Account to get cancer coverage of up to $200,000 for 6 types of female cancer:

Breast | Cervix Uteri | Uterus | Fallopian Tube | Vagina/Vulva | Ovary

This means that based on table below, if you hold S$60,000 monthly average balance in the UOB Lady’s Savings Account over last 3 months, you will receive up to S$75,000 female cancer coverage. The more you save, the higher the coverage!

Monthly Average Balance
(rolling average of the past three months)		 Protection
Female Cancer2 Benefit Sum Assured3
S$1 – S$10,000 S$1,000
S$10,001 – S$25,000 S$10,000
S$25,001 – S$50,000 S$25,000
S$50,001 – S$75,000 S$75,000
S$75,001 – S$100,000 S$100,000
More than S$100,000 S$200,000
26 female cancer covers: Breast, Cervix Uteri, Uterus, Fallopian Tube, Vagina/Vulva, Ovary
3UOB Lady's Savings Account Group Cancer Plan is provided by Prudential Assurance Company Singapore.
Account Eligibility
  • Female
  • Minimum 16 years old
  • Singapore Citizen/Permanent
  • Resident/Foreigner
  • Initial deposit of S$1,000 to open account
Female Cancer
  • Entry Age – Minimum 16 years old (Age last birthday), maximum 55 years old (Age last birthday)
  • Female cancer benefit will cease at 64 years old (Age last birthday)
Account Fees
  • Fall-below fee of S$2 per month4 (below S$1,000 balance)
  • Early account closure fee of S$30 (within 6 months from opening)
4Waived for first 6 months.
Learn more about account fees and charges.
Find out more
For Singaporeans and PRs: Apply for a new UOB account 24/7 by retrieving your personal information with MyInfo with no submission of documents required. Applications submitted between 8.30am to 9pm (for new UOB customers) will be opened instantly. Applications received outside these times will be processed the next working day.

For Foreigners and U.S. Persons: Please proceed to any UOB branch to apply
The Account that lets you save as you shop

The Account that lets you save as you shop

Like pairing One Account with your Lady’s Card. Now what you spend can earn you up to 7.8%5 p.a. interest on your savings.

Get up to S$520 worth of Cash & Gift Vouchers^

when you sign up for UOB Lady’s Card and UOB One Account.
Apply now
For UOB Lady’s Card and UOB One Account

How It Works

Earn 0.65% p.a.5 Interest

When you spend S$500 monthly on your UOB Lady's Card6.

How to earn
0.65% p.a.5 interest? Spend at least S$500 on your UOB Lady's Card6 monthly.

What constitutes as spend?
All MasterCard transactions successfully posted in the calendar month which also includes:

All MasterCard retail spend on your card
Recurring payments which covers your insurance premiums charged to your card Installment Payment Plan (IPP) – Not applicable for UOB Lady's Debit Card.

Up to 4.00% p.a.5 Interest

When you spend S$500 monthly on your UOB Lady's Card6

And

Pay 3 bills monthly via GIRO.

How to earn
4.00% p.a.5 interest? You need to perform Action 1 AND 2.

Action 1: Spend at least S$500 on your UOB Lady's Card6 monthly.

What constitutes as spend?
All MasterCard transactions successfully posted in the calendar month which also includes:

All MasterCard retail spend on your card
Recurring payments which covers your insurance premiums charged to your card
Installment Payment Plan (IPP) - Not applicable for UOB Lady's Debit Card.

Action 2: Make 3 GIRO debit transactions monthly from your UOB One Account

What constitutes as GIRO debit transactions?
You need to make 3 GIRO debit transactions payable to any participating billing organisation with the bank, within the calendar month.

You can use the GIRO form to facilitate your GIRO instructions. Download it. Download it here.

Up to 7.80% p.a.5 Interest

When you spend S$500 monthly on your UOB Lady's Card6

And

Credit your salary via GIRO (min. S$1,600).

How to earn
7.80% p.a.5 interest? You need to perform Action 1 AND 2.

Action 1: Spend at least S$500 on your UOB Lady's Card6 monthly.

What constitutes as spend?
All MasterCard transactions successfully posted in the calendar month which also includes:

All MasterCard retail spend on your card
Recurring payments which covers your insurance premiums charged to your card
Installment Payment Plan (IPP) - Not applicable for UOB Lady's Debit Card.

Action 2: Crediting your salary (min S$1,600) monthly to your UOB One Account

What constitutes as Salary Credit?
Only valid for salary credited through GIRO with the transaction reference "SALA".

To set up your salary crediting account, please inform your HR department of your new account number. If applicable, you can use the template we have developed for you to send it to your HR department. Download it here.

Detailed Interest Rate Table

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
Spend S$500 on your UOB Lady's Card6 0.65% 0.65% 0.65% 0.05% 0.05%
Spend S$500 on your UOB Lady's Card6 + Perform 3 GIRO transactions 2.50% 3.00% 4.00% 0.05%
Spend S$500 on your UOB Lady's Card6 + Credit your salary 3.85% 3.90% 4.85% 7.80%

Full Terms and Conditions of the UOB Lady’s Savings Account apply. Visit uob.com.sg/ladysaccount for details.

12017 Protection Gap Study – Singapore, Life Insurance Association Singapore

26 female cancer covers: Breast, Cervix Uteri, Uterus, Fallopian Tube, Vagina/Vulva and Ovary.

3UOB Lady's Savings Account Group Cancer Plan is provided by Prudential Assurance Company Singapore.

4Waived for first 6 months for online account opening only. Learn more about account fees and charges.

5Total 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.

The 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.

View the full Terms and Conditions here.

Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

6UOB Lady's Card refers to any UOB Lady's / Lady's Platinum / Lady's Solitaire credit and/or Lady's debit cards issued by UOB.

^Up to S$520 worth of Cash & Gift Vouchers comprises of 1) S$300 Cash Credit and 2) S$100 Dairy Farm Gift Vouchers+, and EITHER 3a) S$70 cash credit, OR 3b) S$30 cash credit, and 4) S$50 cash credit.

A) S$300 Cash Credit (UOB Credit Card Acquisition Promotion)
For the first 300 new-to-UOB Credit Card customers per promotion month who successfully apply for a UOB Credit Card by 31 December 2022 and spend a min. of S$1,000 per month for 2 consecutive months from card approval date. Click here for full terms and conditions.

And

B) S$100 Dairy Farm Gift Voucher+ (UOB Lady’s Credit Card Acquisition Promotion):
For the first 200 new-to-UOB Lady's Credit Card customers who successfully apply for a UOB Lady's Credit Card by 31 December 2022 and spend a min. of S$1,000 per month for 2 consecutive months from card approval date. Click here for full terms and conditions.

+S$100 Dairy Farm Gift Vouchers are redeemable at Cold Storage, Marketplace, Jasons, Giant, Guardian and 7- Eleven.

And

3a) S$70 cash credit is only for the first 200 New to UOB Deposits customers per calendar month who:
successfully open a UOB Lady’s Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account, or UOB One Account online between 1 November 2022 to 31 December 2022; and deposit 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

3b) S$30 Cash Credit is only for the first 200 existing UOB Deposits customers per calendar month who:
successfully open a UOB Lady’s Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account, or UOB One Account online between 1 November 2022 to 31 December 2022; 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
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 October 2022.

And

3) S$50 cash credit is available under the UOB Salary Credit Campaign (1 March 2022 to 31 December 2022) for customers who have:
successfully submitted an online participation form here; and
successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account via GIRO 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 March 2022 to 31 December 2022).

Information is accurate as of Nov 2022.

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. The physical card will be ready 2 working days after approval and will be sent via normal mail.

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.

UOB Lady's Savings Account Group Cancer Plan ("Plan") is underwritten by Prudential Assurance Company Singapore (Pte) Ltd (Reg. No. 199002477Z.) ("Prudential") and United Overseas Bank Limited ("UOB") is the Master Policyholder of this Plan.

This information contained in this website is for general informational purposes only and is not a contract of insurance. It is not intended as an offer or recommendation with respect to the purchase or sale of the above product and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You are recommended to carefully read the terms and conditions contained in the Plan and UOB Lady’s Savings Account Terms and Conditions. If you are in doubt, you may wish to speak to a qualified financial adviser. In the event that you choose not to seek advice from a qualified financial adviser, you should consider carefully whether this product is suitable for you. As this Plan has no savings or investment feature, there is no cash value if the Plan ends or if the Plan is terminated prematurely.

The information in this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

This Plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Plan is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the LIA or SDIC web-sites.