We all hope for a bright future but that is often the result of what we do today. Set aside enough savings to be ready for life’s moments as they unfold.

Journey towards financial freedom
Daunting as it may, starting your first job is both a nerve-wrecking, yet exciting experience. Get the headstart you need by tapping into our suite of banking solutions and offerings designed to give you a boost as you venture out into the working world.

UOB One Debit Card
Up to 4% cashback on lifestyle brands and mobile payments!
Up to 4% cashback on:
• Grab (excludes Grab wallet top-ups)
• McDonald’s (in-store and McDelivery)
• Shopee Singapore (excluding ShopeePay transactions)
• SimplyGo (bus and train rides)
Plus, earn 1% cashback on:
• Mobile payments via Apple Pay, Google Pay and Samsung Pay
• Singtel and GOMO (recurring bill payments)
• Singapore Power Utilities (excluding payments via AXS)
Terms and Conditions apply. A minimum spend of S$300 per calendar month is required. Cashback capped at S$30 per calendar month.
Products for you

Insure
Wealth accumulation

Insure
Protection
You cannot predict life’s unforeseen circumstances, but you can secure the financial future of your loved ones today.

Insure
Retirement
Retirement can be the best years of your life. Sett a vision for the future and plan for it today.

Spend
UOB FX+ Debit Card
Now with no FX fees, it all adds up!
- No FX fees when you spend worldwide
- No mark-ups when you convert currencies
- Auto-convert currencies at your preferred rate
- S$5 cashback on overseas ATM withdrawals
T&Cs apply.

Invest
United CIO Funds
Tap on insights and research from UOB Private Bank Chief Investment Office
- United CIO Income Fund: Receive regular income from equities and bonds
- United CIO Growth Fund: Capital growth from equities and downside protection with fixed income

Invest
Wealth on UOB TMRW
View and manage all your wealth holdings in one app. Set and track your goals and capture timely investment opportunities with relevant insights.
- Choose from four expertly curated fund portfolios on UOB TMRW based on your goals and risk appetite
- Or build your own portfolio from a curated list of over 100 unit trusts

Spend
UOB One Credit Card
Highest cashback card for your daily favourites![]()
- Up to 10% cashback on daily spend at McDonald's, DFI Retail Group, Grab, SimplyGo, Shopee and UOB Travel
- Up to 4.33% cashback on Singapore Power utilities bill
- Up to 3.33% cashback on all retail spend
- Fuel savings of up to 24% at Shell and SPC
- Greater savings with up to 3.4% p.a. interest with UOB One Account

Spend
UOB One Debit Card
- Grab (excludes Grab wallet top-ups)
- McDonald’s (in-store and McDelivery)
- Shopee Singapore (excluding ShopeePay transactions)
- SimplyGo (bus and train rides)
- Mobile payments via Apple Pay, Google Pay, and Samsung Pay
- GOMO (recurring bill payments)
- Singtel (recurring bill payments)
- Singapore Power Utilities (excluding payments via AXS)
Up to 3.4% p.a. interest on your savings with UOB One Account, when you spend S$500 monthly.

Spend
KrisFlyer UOB Credit Card
Let your daily spend lead to experiences - on repeat. Unlock more KrisFlyer miles and exclusive privileges with the KrisFlyer UOB Credit Card.
- Every S$1 spend will earn you:
- 3 KrisFlyer miles on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
- Up to 3 KrisFlyer miles on dining, food delivery, online shopping and travel, and transport spend
- 1.2 KrisFlyer miles on all other spend
- Exclusive privileges on KrisShop, Scoot, Grab rides and more!

Spend
UOB EVOL Card
Own every evolution with up to 10% cashback
- 10% cashback on Online and Mobile Contactless spend
- 10% cashback on Overseas In-store FX spend
- Greater savings with up to 3.4% p.a. interest with UOB One Account
- Southeast Asia's first bio-sourced card with a suite of sustainable privileges
- No annual fees when you make 3 transactions monthly

Save
KrisFlyer UOB Debit Card and Account
The debit card and account that are miles ahead.
- For every S$1 spend:
- Earn 1 mile on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
- Earn 0.4 miles on all other spend

- Plus, get up to additional 6 miles per S$1 spend when you spend and save with KrisFlyer UOB Account.
- Get S$10 off ChangiWifi
and Grab rides to or from the Airport 
- Exclusive benefits from Scoot (via flyscoot.com/KrisFlyerUOB) such as priority check-in and boarding, additional baggage allowance and more!

Activate Money Lock to protect your savings from digital scams
Scammers are becoming increasingly sophisticated, which is why it’s more important than ever to safeguard your money. By enhancing anti-scam measures that give you peace of mind, we continue our fight against digital scams with diligence and innovation.
Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals. Rest assured, your money continues to earn the same interest and/or rewards. Simply use the UOB TMRW app, UOB Personal Internet Banking or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.
Our digital solutions

Digital Banking
UOB TMRW
The all-in-one banking app built around you and your needs.
Featuring AI-driven insights to better manage your money, rewards personalised to you, and investing made simple through our expert wealth solutions.

Invest
Wealth on UOB TMRW
View and manage all your wealth holdings in one app. Set and track your goals and capture timely investment opportunities with relevant insights.
- Choose from four expertly curated fund portfolios on UOB TMRW based on your goals and risk appetite
- Or build your own portfolio from a curated list of over 100 unit trusts

Insure
Insure on UOB TMRW
Subscribe to peace of mind with just a few taps – apply for PRUCancer 360 on UOB TMRW.
- 100% payout for all cancer stages
- Hassle-free, easy application
- Affordable, customisable protection
Get inspired
The Dining Advisor
Short-circuit your search for good food with a comprehensive new food guide designed to feed your food obsessions.
The Travel Insider
The new travel portal that inspires, helps you plan and lets you book in one place.
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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.

























