Structured Deposits

  • Boost your returns with UOB Structured Deposits*

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    *Product terms and conditions apply.

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Earn total guaranteed minimum interest of 9.50%* with UOB Structured Deposits

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2022 – Series (1)*. Get started with a minimum investment of S$5,000*. 

  • Total Guaranteed Minimum Interest of 9.50%* of the Principal Amount over 5 years (equivalent to an effective interest rate of 1.8989% a year)
  • 100% Principal Amount guaranteed when held to maturity
  • Maturity Variable Interest of up to 2.00%* linked to 4 Singapore Company Shares*

 

Offer ends 31 May 2022 ^.

 

Speak to a UOB banker today

 

How it works

Assuming a Principal Amount of S$10,000, held until maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 1.90% - 1.90%
2 1.90% - 1.90%
3 1.90% - 1.90%
4 1.90% - 1.90%
At maturity 1.90% 2.00% 3.90%
Total interest payout 9.50% 2.00% 11.50%
Principal + Interest payout S$10,000 + S$950 + S$200 = S$11,150

 

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 1.90% - 1.90%
2 1.90% - 1.90%
3 1.90% - 1.90%
4 1.90% - 1.90%
At maturity 1.90% 0% 1.90%
Total interest payout 9.50% 0% 9.50%
Principal + Interest payout S$10,000 + S$950 + S$0 = S$10,950

 

At a glance

Investment Currency Singapore Dollars (S$)
Tenor 5 Years
Offer Period 09 May 2022 to 31 May 2022, or such earlier date as decided by the Bank.^
Guaranteed Fixed Interest Payable at the end of:
Year % of the Principal Amount
1 1.90%
2 1.90%
3 1.90%
4 1.90%
5 1.90%

Total Guaranteed Fixed Interest = 9.50%
Maturity Variable Interest If Payment Condition is met, Maturity Variable Interest Rate = 2.00%;
Otherwise, Maturity Variable Interest Rate = 0%

Payment Condition shall be deemed to have been met if the Closing Prices of all Shares are at or above 100.00% of their respective Initial Prices on the Final Observation Date.
Total Guaranteed Minimum Interest 9.50%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 9.50% plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket Payable at the end of:
Company Bloomberg Ticker*
Ascendas Real Estate Investment Trust (“AREIT”) AREIT SP
DBS Group Holdings Limited (“DBS”) DBS SP
Oversea-Chinese Banking Corporation Limited (“OCBC”) OCBC SP
Singapore Telecommunications Limited (“ST”) ST SP
Key Product Risks For The Investor
  • The credit risk of UOB
  • The worst-case scenario of 9.50%* of the Principal Amount over 5 years if the Structured Deposit is held until maturity
  • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

 

Important Notes

Important – Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2022 – Series (1) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2022 – Series (1). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2022 – Series (1) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2022 – Series (1) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.

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

United Overseas Bank Limited Co. Reg. No. 193500026Z
May 2022

 

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Earn total guaranteed minimum interest of 6.60%* with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2022 – Series (2)*. Get started with a minimum investment of US$5,000*. 

  • Total Guaranteed Minimum Interest of 6.60%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 2.1940% a year)
  • 100% Principal Amount guaranteed when held to maturity
  • Maturity Variable Interest of up to 0.60% linked to 4 United States Company Shares*

 

Offer ends 31 May 2022^.

 

Speak to a UOB banker today

 

How it works

Assuming a Principal Amount of US$10,000, held until maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.20% - 2.20%
2 2.20% - 2.20%
At maturity 2.20% 0.60% 2.80%
Total interest payout 6.60% 0.60% 7.20%
Principal + Interest payout US$10,000 + US$660 + US$60 = US$10,720

 

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.20% - 2.20%
2 2.20% - 2.20%
At maturity 2.20% 0% 2.20%
Total interest payout 6.60% 0% 6.60%
Principal + Interest payout US$10,000 + US$660 + US$0 = US$10,660

 

At a glance

Investment Currency United States Dollars (“USD” or “US$”)
Tenor 3 Years
Offer Period 09 May 2022 to 31 May 2022, or such earlier date as decided by the Bank^.
Guaranteed Fixed Interest Payable at the end of:
Year % of the Principal Amount
1 2.20%
2 2.20%
3 2.20%

Total Guaranteed Fixed Interest = 6.60%
Maturity Variable Interest If Payment Condition is met, Maturity Variable Interest Rate = 0.60%;
Otherwise, Maturity Variable Interest Rate = 0%

Payment Condition shall be deemed to have been met if the Closing Prices of all Shares are at or above 100.00% of their respective Initial Prices on the Final Observation Date.
Total Guaranteed Minimum Interest 6.60%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 6.60% plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket Payable at the end of:
Company Bloomberg Ticker*
Bank of America Corporation (“BAC”) BAC UN
JPMorgan Chase & Co. (“JPM”) JPM UN
Morgan Stanley (“MS”) MS UN
Wells Fargo & Company (“WFC”) WFC UN
Key Product Risks For The Investor
  • The credit risk of UOB
  • The worst-case scenario of 6.60%* of the Principal Amount over 3 years if the Structured Deposit is held until maturity
  • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

 

Important Notes

Important – Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2022 – Series (2) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2022 – Series (2). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2022 – Series (2) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2022 – Series (2) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.

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

United Overseas Bank Limited Co. Reg. No. 193500026Z
May 2022

 

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Earn total guaranteed minimum interest of 10.00%* with UOB Structured Deposits

Boost your returns with UOB Principal Guaranteed Structured Deposit 2022 – Series (3) - SGD*. Get started with a minimum investment of S$5,000*.

  • Total Guaranteed Minimum Interest of 10.00%* of the Principal Amount over 5 years (equivalent to an effective interest rate of 1.9988% per annum)
  • 100% Principal Amount guaranteed when held to maturity
  • Maturity Variable Interest of up to 1.20%* linked to 4 underlying US Shares*

Offer ends 30 June 2022^.

Speak to a UOB banker today

 

How it works

Assuming a Principal Amount of S$10,000, held until maturity:

Best-Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Total Interest Payable
1 2.00% - 2.00%
2 2.00% - 2.00%
3 2.00% - 2.00%
4 2.00% - 2.00%
At maturity 2.00% 1.20% 3.20%
Total interest payout 10.0% 1.20% 11.20%
Principal + Interest payout S$10,000 + S$1,000 + S$120 = S$11,120

 

Worst-Case Scenario (Maximum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Total Interest Payable
1 2.00% - 2.00%
2 2.00% - 2.00%
3 2.00% - 2.00%
4 2.00% - 2.00%
At maturity 2.00% 0% 2.00%
Total interest payout 10.0% 0% 10.0%
Principal + Interest payout S$10,000 + S$1,000 + S$0 = S$11,000

 

At a glance

Investment Currency Singapore Dollars (“SGD” or “S$”)
Tenor 5 Years
Offer Period 17 June 2022 to 30 June 2022, or such earlier date as decided by the Bank.
Guaranteed Fixed Interest Payable at the end of:
Year % of the Principal Amount
1 2.00%
2 2.00%
3 2.00%
4 2.00%
5 2.00%

Total Guaranteed Fixed Interest = 10.00%
Maturity Variable Interest If Payment Condition is met, Maturity Variable Interest Rate = 1.20%;
Otherwise, Maturity Variable Interest Rate = 0%

Payment Condition shall be deemed to have been met if the Closing Prices of all Shares are at or above 100.00% of their respective Initial Prices on the Final Observation Date.
Total Guaranteed Minimum Interest 10.00%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 10.00% plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket Payable at the end of:
Company Bloomberg Ticker**
American Express Co (“AXP”) AXP UN
Bank of America Corp (“BAC”) BAC UN
JPMorgan Chase & Co (“JPM”) JPM UN
Wells Fargo & Co (“WFC”) WFC UN
Key Product Risks For The Investor
  • The credit risk of UOB
  • A tenor of 5 years.
  • In the worst-case scenario, the total minimum interest payable by UOB is 10%1 of the Principal Amount if the Structured Deposit is held until maturity.
  • An illiquid secondary market for the Structured Deposit, should the investor seeks to unwind this Structured Deposit before the Maturity Date. Potential loss of the Principal Amount if the investment is not held to maturity.

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

**Bloomberg ticker is provided for reference only.

 

Important Notes

Important – Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2022 – Series (3) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2022 – Series (3). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2022 – Series (3) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2022 – Series (3) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.

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

United Overseas Bank Limited Co. Reg. No. 193500026Z
June 2022

 

Monitor / View Past Performance

Earn total guaranteed minimum interest of 6.90%* with UOB Structured Deposits

Boost your returns with UOB Principal Guaranteed Structured Deposit 2022 – Series (5) - USD*. Get started with a minimum investment of US$5,000*.

  • Total Guaranteed Minimum Interest of 6.90%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 2.2978% per annum)
  • 100% Principal Amount guaranteedwhen held to maturity
  • Maturity Variable Interest of up to 1.00%* linked to 4 underlying US Shares*

Offer ends 30 June 2022^.

Speak to a UOB banker today

 

How it works

Assuming a Principal Amount of US$10,000, held until maturity:

Best-Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Total Interest Payable
1 2.30% - 2.30%
2 2.30% - 2.30%
At maturity 2.30% 1.00% 3.30%
Total interest payout 6.90% 1.00% 7.90%
Principal + Interest payout US$10,000 + US$690 + US$100 = US$10,790

 

Worst-Case Scenario (Maximum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Total Interest Payable
1 2.30% - 2.30%
2 2.30% - 2.30%
At maturity 2.30% 0% 2.30%
Total interest payout 6.90% - 6.90%
Principal + Interest payout US$10,000 + S$690 + US$0 = US$10,690

 

At a glance

Investment Currency United States Dollars (“USD” or “US$”)
Tenor 3 Years
Offer Period 17 June 2022 to 30 June 2022, or such earlier date as decided by the Bank.
Guaranteed Fixed Interest Payable at the end of:
Year % of the Principal Amount
1 2.30%
2 2.30%
3 2.30%

Total Guaranteed Fixed Interest = 6.90%
Maturity Variable Interest If Payment Condition is met, Maturity Variable Interest Rate = 1.00%;
Otherwise, Maturity Variable Interest Rate = 0%

Payment Condition shall be deemed to have been met if the Closing Prices of all Shares are at or above 100.00% of their respective Initial Prices on the Final Observation Date.
Total Guaranteed Minimum Interest 6.90%* of the Principal Amount
(Being Total Guaranteed Fixed Interest of 6.90% plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket Payable at the end of:
Company Bloomberg Ticker**
American Express Co (“AXP”) AXP UN
Bank of America Corp (“BAC”) BAC UN
JPMorgan Chase & Co (“JPM”) JPM UN
Wells Fargo & Co (“WFC”) WFC UN
Key Product Risks For The Investor
  • The credit risk of UOB
  • A tenor of 3 years.
  • In the worst-case scenario, the total minimum interest payable by UOB is 6.90%* of the Principal Amount if the Structured Deposit is held until maturity.
  • An illiquid secondary market for the Structured Deposit, should the investor seeks to unwind this Structured Deposit before the Maturity Date. Potential loss of the Principal Amount if the investment is not held to maturity.

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

 

Important Notes

Important – Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2022 – Series (5) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2022 – Series (5). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2022 – Series (5) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2022 – Series (5) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.

United Overseas Bank Limited Co. Reg. No. 193500026Z
June 2022

 

More Information


Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance Act (Chapter 77A).

In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).

Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.