• smartpaysmartpay

    Life is sweeter when you break down
    your bills with UOB SmartPay


Make life sweeter with your bills in bite-sized pieces using UOB SmartPay! Be it planning for a dream holiday or paying for big ticket items such as the insurance premiums or luxury shopping, you can now do so while keeping your bills affordable with UOB SmartPay.

Benefits of UOB SmartPay:

  1. Interest-free monthly instalment with 1-time low processing fee
  2. Flexible payments over 3, 6, 12 months
  3. Fast and hassle-free application via Personal Internet Banking, Online form or SMS


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,

Tenure 3 months
6 months
12 months
Monthly instalment S$1,200 S$600 S$300
1-time processing fee S$108 S$108 S$180


Apply Now

UOB Personal Internet Banking

 Internet Banking

Most fields will be prefilled for a hassle-free experience! You will be notified on the outcome of your application by the next working day!

Forgot your password? Reset it instantly using your UOB Card!


Online Form

Submit your application online for a paperless and hassle-free experience.
You will be notified on the outcome of your application by the next working day!



SMS SP‹space›last 4 digits of NRIC‹space›Name to 77862
e.g. SP 321Z John
You will receive a call from us within three working days to assist with your application.

By submitting the SMS Application, you consent to United Overseas Bank Group ("UOB") collecting, using and disclosing your personal data for the purposes of your application, and to contact you regarding your application via voice calls or text messages or email. This is in addition to any other consent which you may have provided to UOB in respect of the collection, use and/or disclosure of your personal data and shall be without prejudice to and does not derogate from UOB's rights to collect, use and/or disclose your personal data under the law.


Call us at 6668 2087 during office hours between 9.30am to 6pm, from Mondays to Fridays. Alternatively, you may leave us your contact after office hours and we will return your call the next working day.


SmartPay terms and conditions apply

Please note: With effect from 23 April 2021, credit balances on your credit card account(s) will be excluded, if you choose to convert the total current outstanding balances from your latest credit card statement(s) from all your credit card account(s) with the Bank (including both Principal Cards and Supplementary Cards, if applicable), into SmartPay.