Understanding Structured Deposits
Structured Deposits, unlike traditional deposits, have an investment element where the returns are dependent on the performance of underlying investments.
They are 100% principal guaranteed if held to maturity. A withdrawal before the maturity date may result in the redemption amount being less than the principal amount invested.
Check out our latest tranches below.
New tranches for 2026
UOB Principal Guaranteed Structured Deposit 2026 – Series 1 - SGD
- UOB Principal Guaranteed Structured Deposit 2026 – Series 1 – SGD- Summary of Key Features English
- UOB Principal Guaranteed Structured Deposit 2026 – Series 1 – SGD- Summary of Key Features Chinese
- UOB Principal Guaranteed Structured Deposit 2026 – Series 1 – SGD- English Termsheet
- UOB Principal Guaranteed Structured Deposit 2026 – Series 1 – SGD- Chinese Termsheet
Earn total guaranteed minimum interest of 1.9%* with UOB Structured Deposits
UOB Principal Guaranteed Structured Deposit 2026 – Series 1 provides you the opportunity to earn 0.95% guaranteed interest per year (with your principal guaranteed) paid annually over 2 years, if held to maturity.
Get started with a minimum investment of S$50,000*.
- Total Guaranteed Minimum Interest of 1.9%* of the Principal Amount over 2 years (equivalent to an effective interest rate of 0.9487% per annum) if the Structured Deposit is held until maturity
- 100% Principal Amount guaranteed when held to maturity
- Maturity Variable Interest of up to 1%* of the Principal Amount, linked to 4 underlying Singapore listed company shares*
(You will earn a maturity variable interest of up to 1% provided all 4 shares close at or above 100% of their respective Initial Price.)
This structured deposit is available from 16 February 2026 till 6 March 2026 (or when limited tranche is filled up, whichever earlier)^.
Purchase via UOB Personal Internet Banking today.
- Log in to PIB - https://pib.uob.com.sg/ ;
- On the menu sidebar, click on ‘Investment’ then select ‘Structured Deposits’;
- A new screen will pop up;
- Click on ‘+’ icon in the top-right hand corner
- Complete the Declaration and Customer Knowledge Assessment
- When the form loads, select the Structured Deposit tranche and fill in your account details
- Review your details and click ‘Confirm’
- Your placement of funds is submitted.
How it works
Assuming a Principal Amount of S$100,000, held until maturity:
(1) 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 | 0.95% | - | 0.95% |
| At maturity | 0.95% | 1% | 1.95% |
| Total interest payout | 1.90% | 1% | 2.9% |
| Principal + Interest payout | S$100,000 + S$1,900 + S$1,000 = S$102,900 | ||
(2) 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 | 0.95% | - | 0.95% |
| At maturity | 0.95% | 0% | 0.95% |
| Total interest payout | 1.90% | 0% | 1.9% |
| Principal + Interest payout | S$100,000 + S$1,900 = S$101,900 | ||
^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
The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by United Overseas Bank Limited (“UOB”) to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2026 – 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 2026 – 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 2026 – Series (1) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2026 – 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
Current tranches for 2023
UOB Principal Guaranteed Structured Deposit 2023 – Series (1) - SGD
Monitor / View Past Performance
UOB Principal Guaranteed Structured Deposit 2023 – Series (1) - SGD
Earn total guaranteed minimum interest of 8.400%* with UOB Structured Deposits
Boost your returns with UOB Principal Guaranteed Structured Deposit 2023 – Series (1) – SGD*. Get started with a minimum investment of S$5,000*.
- Total Guaranteed Minimum Interest of 8.400%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 2.7973% per annum) if the Structured Deposit is held until maturity
- 100% Principal Amount guaranteed when held to maturity
- Maturity Variable Interest of up to 1.000%* of the Principal Amount, linked to 4 underlying Singapore listed company shares*
Offer ends 17 March 2023^.
Speak to a UOB banker today
How it works:
Assuming a Principal Amount of S$10,000 is 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 | 2.800% | - | 2.800% |
| 2 | 2.800% | - | 2.800% |
| 3 (At maturity) | 2.800% | 1.000% | 3.800% |
| Total interest payout | 8.400% | 1.000% | 9.400% |
| Principal + Interest payout | S$10,000 + S$840 + S$100 = S$10,940 | ||
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 Rate on Principal Amount | Total Interest Payable |
| 1 | 2.800% | - | 2.800% |
| 2 | 2.800% | - | 2.800% |
| 3 (At maturity) | 2.800% | 0.000% | 2.800% |
| Total interest payout | 8.400% | 0.000% | 8.400% |
| Principal + Interest payout | S$10,000 + S$840 + S$0 = S$10,840 | ||
At a Glance
| Category | Details | ||||||||||
| Investment Currency | Singapore Dollars (“SGD” or “S$”) | ||||||||||
| Tenor | 3 Years | ||||||||||
| Offer Period | 1 Mar 2023 to 17 Mar 2023, or such earlier date as decided by the Bank | ||||||||||
| Guaranteed Fixed Interest | Payable at the end of:
Total Guaranteed Fixed Interest = 8.400% |
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| Maturity Variable Interest | If Payment Condition is met, Maturity Variable Interest Rate = 1.000%; 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. |
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| Total Guaranteed Minimum Interest | 8.400%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 8.400% plus minimum Maturity Variable Interest of 0%) |
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| Shares in Underlying Basket |
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| Key Product Risks For The Investor |
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^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 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 United Overseas Bank Limited (“UOB”) to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2023 – 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 2023 – 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 2023 – Series (1) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2023 – 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
March 2023
Things you should know
Important Notice and Disclaimers
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 and Policy Owners' Protection Schemes Act 2011.
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.
Unlike traditional deposits, structured deposits have an investment element and returns may vary. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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