Earn 2.5% p.a. interest on your Uniplus Account when you invest or insure with us.
Now enhanced to make your money work harder as you save and invest or insure with UOB. Subject to qualifying criteria. T&Cs apply. SGD deposits are insured up to S$100k by SDIC.
Explore UOB's range of savings accounts and credit cards designed around your banking needs. Get started by entering your friend's referral code here. Subject to qualifying criteria. T&Cs apply.
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
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)^.
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&rsqu
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
UOB Principal Guaranteed Structured Deposit 2026 - Series 2* provides you the opportunity to earn a guaranteed interest of 3.87% payable yearly over 2 years, if held to maturity.
Get started with a minimum investment of AUD$50,000*.
Guaranteed Minimum Interest of 3.87% p.a. of the Principal Amount paid over 2 years, 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 Australian 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 27 April 2026 till 8 May 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)^.
^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.
On the menu sidebar, click on ‘Investment’ then select ‘Structured Deposits’
Click on ‘+’ icon in the top-right hand corner
Complete the purchase by following the instructions on screen
How it works Assuming a Principal Amount of A$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
3.87%
-
3.87%
At maturity
3.87%
1%
4.87%
Principal + Interest payout
A$100,000 + A$7,740 + A$1,000 = A$108,740
(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
3.87%
-
3.87%
At maturity
3.87%
0%
3.87%
Principal + Interest payout
A$100,000 + A$7,740 =A$107,740
At a glance
Category
Details
Investment Currency
Australian Dollar (“AUD” or “A$”)
Tenor
2 Years
Offer Period
27 April 2026 till 8 May 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)
Guaranteed Fixed Interest
Payable at the end of:
Year
% of the Principal Amount
1
3.87%
2
3.87%
Total Guaranteed Fixed Interest = 7.74%** (equivalent to an effective interest rate of 3.8108% per annum) Guaranteed Minimum Interest of 3.87% p.a. of the Principal Amount paid over 2 years
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.
Total Guaranteed Minimum Interest
7.74%** of the Principal Amount for the entire Tenor (Being Total Guaranteed Fixed Interest of 7.74%** plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket
Company
Bloomberg Ticker##
ANZ Group Holdings Limited (“ANZ”)
ANZ AT
BHP Group Limited (“BHP”)
BHP AT
Qantas Airways Limited (“QAN”)
QAN AT
Rio Tinto Limited (“RIO”)
RIO AT
##Bloomberg ticker is provided for reference only
Key Risk for the Investor
A tenor of 2 years.
**In the worst case scenario, the total minimum interest payable by UOB is 7.74% of the Principal Amount for the entire Tenor if the Structured Deposit is held until maturity. This is equivalent to an effective interest rate of 3.8108% per annum.
There may be no or limited secondary market for the Structured Deposit. If the investor seeks to unwind the Structured Deposit before maturity, early withdrawal, if permitted, may be subject to prevailing market conditions, costs and charges.
If the Structured Deposit is not held until maturity, the principal amount is not guaranteed, and the investor may incur a loss of part or all of the Principal Amount.
Please refer to the Indicative Term Sheet for more 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 and Disclaimers
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 (2) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails investment risks, including potential loss of the principal sum invested if the structured deposit 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 (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 2026 – Series (2) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2026 – 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 April 2026
UOB Principal Guaranteed Structured Deposit 2026 - Series 3* provides you the opportunity to earn a guaranteed interest of 3.17% payable yearly over 2 years, if held to maturity.
Get started with a minimum investment of USD$50,000*.
Guaranteed Minimum Interest of 3.17% p.a. of the Principal Amount paid over 2 years, 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 United States 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 27 April 2026 till 8 May 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)^.
^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.
In the menu sidebar, click on ‘Investment’ and ‘Structured Deposits’
Click on ‘+’ icon in the top-right hand corner
Complete the purchase by following the instructions on screen
How it works Assuming a Principal Amount of US$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
3.17%
-
3.17%
At maturity
3.17%
1%
4.17%
Principal + Interest payout
US$100,000 + US$6,340 + US$1,000 = US$107,340
(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
3.17%
-
3.17%
At maturity
3.17%
0%
3.17%
Principal + Interest payout
US$100,000 + US$6,340 = US$106,340
At a glance
Category
Details
Investment Currency
United States Dollar (“USD” or “US$”)
Tenor
2 Years
Offer Period
27 April 2026 till 8 May 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)
Guaranteed Fixed Interest
Payable at the end of:
Year
% of the Principal Amount
1
3.17%
2
3.17%
Total Guaranteed Fixed Interest = 6.34%** (equivalent to an effective interest rate of 3.1216% per annum) Guaranteed Minimum Interest of 3.17% p.a. of the Principal Amount paid over 2 years
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.
Total Guaranteed Minimum Interest
6.34%** of the Principal Amount for the entire Tenor (Being Total Guaranteed Fixed Interest of 6.34%* plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket
Company
Bloomberg Ticker##
Amazon.com, Inc. (“AMZN”)
AMZN UQ
American Express Company (“AXP”)
AXP UN
Bank of America Corporation (“BAC”)
BAC UN
Caterpillar Inc. (“CAT”)
CAT UN
##Bloomberg ticker is provided for reference only
Key Risk for the Investor
A tenor of 2 years.
**In the worst case scenario, the total minimum interest payable by UOB is 6.34% of the Principal Amount for the entire Tenor if the Structured Deposit is held until maturity. This is equivalent to an effective interest rate of 3.1216% per annum.
There may be no or limited secondary market for the Structured Deposit. If the investor seeks to unwind the Structured Deposit before maturity, early withdrawal, if permitted, may be subject to prevailing market conditions, costs and charges.
If the Structured Deposit is not held until maturity, the principal amount is not guaranteed, and the investor may incur a loss of part or all of the Principal Amount.
Please refer to the Indicative Term Sheet for more 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 and Disclaimers
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 (3) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails investment risks, including potential loss of the principal sum invested if the structured deposit 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 (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 2026 – Series (3) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2026 – 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 April 2026
UOB Principal Guaranteed Structured Deposit 2026 - Series 5* provides you the opportunity to earn a guaranteed interest of 3.48% payable yearly over 2 years, if held to maturity.
Get started with a minimum investment of AUD$50,000*.
Guaranteed Minimum Interest of 3.48% p.a. of the Principal Amount paid over 2 years, 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 3 underlying Australia listed company shares* (You will earn a maturity variable interest of up to 1% provided all 3 shares close at or above 100% of their respective Initial Price.)
This structured deposit is available from 23 June 2026 till 13 July 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)^.
^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.
In the menu sidebar, click on ‘Investment’ and ‘Structured Deposits’
Click on ‘+’ icon in the top-right hand corner
Complete the purchase by following the instructions on screen
How it works Assuming a Principal Amount of A$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
3.48%
-
3.48%
At maturity
3.48%
1%
4.48%
Principal + Interest payout
A$100,000 + A$6,960 + A$1,000 = A$107,960
(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
3.48%
-
3.48%
At maturity
3.48%
0%
3.48%
Principal + Interest payout
A$100,000 + A$6,960 =A$106,960
At a glance
Category
Details
Investment Currency
Australian Dollar (“AUD” or “A$”)
Tenor
2 Years
Offer Period
23 June 2026 till 13 July 2026 (both dates inclusive or when limited tranche is fully subscribed, whichever earlier)
Guaranteed Fixed Interest
Payable at the end of:
Year
% of the Principal Amount
1
3.48%
2
3.48%
Total Guaranteed Fixed Interest = 6.96%** (equivalent to an effective interest rate of 3.4268% per annum) Guaranteed Minimum Interest of 3.48% p.a. of the Principal Amount paid over 2 years
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.
Total Guaranteed Minimum Interest
6.96%** of the Principal Amount for the entire Tenor (Being Total Guaranteed Fixed Interest of 6.96%** plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket
Company
Bloomberg Ticker##
ANZ Group Holdings Limited (“ANZ”)
ANZ AT
Macquarie Group Limited (“MQG”)
MQG AT
Telstra Group Limited (“TLS”)
TLS AT
##Bloomberg ticker is provided for reference only
Key Risks for the Investor
A tenor of 2 years.
**In the worst case scenario, the total minimum interest payable by UOB is 6.96% of the Principal Amount for the entire Tenor if the Structured Deposit is held until maturity. This is equivalent to an effective interest rate of 3.4268% per annum
There may be no or limited secondary market for the Structured Deposit. If the investor seeks to unwind the Structured Deposit before maturity, early withdrawal, if permitted, may be subject to prevailing market conditions, costs and charges.
If the Structured Deposit is not held until maturity, the principal amount is not guaranteed, and the investor may incur a loss of part or all of the Principal Amount.
Please refer to the Indicative Term Sheet for more 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 and Disclaimers
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 (5) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails investment risks, including potential loss of the principal sum invested if the structured deposit 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 (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 2026 – Series (5) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2026 – 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.
Where the Structured Deposit is denominated in a foreign currency, you may be exposed to foreign exchange risk, which may affect returns when converted into Singapore dollars.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
United Overseas Bank Limited Co. Reg. No. 193500026Z June 2026
UOB Principal Guaranteed Structured Deposit 2026 - Series 6* provides you the opportunity to earn a guaranteed interest of 3.11% payable yearly over 2 years, if held to maturity.
Get started with a minimum investment of USD$50,000*.
Guaranteed Minimum Interest of 3.11% p.a.of the Principal Amount paid over 2 years 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 United States 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 23 June 2026 till 13 July 2026 (both dates inclusive) (or when limited tranche is fully subscribed, whichever earlier)^.
^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.
In the menu sidebar, click on ‘Investment’ and ‘Structured Deposits’
Click on ‘+’ icon in the top-right hand corner
Complete the purchase by following the instructions on screen
How it works Assuming a Principal Amount of US$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
3.11%
-
3.11%
At maturity
3.11%
1%
4.11%
Principal + Interest payout
US$100,000 + US$6,220 + US$1,000 = US$107,220
(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
3.11%
-
3.11%
At maturity
3.11%
0%
3.11%
Principal + Interest payout
US$100,000 + US$6,220 = US$106,220
At a glance
Category
Details
Investment Currency
United States Dollar (“USD” or “US$”)
Tenor
2 Years
Offer Period
23 June 2026 till 13 July 2026 (both dates inclusive or when limited tranche is fully subscribed, whichever earlier).
Guaranteed Fixed Interest
Payable at the end of:
Year
% of the Principal Amount
1
3.11%
2
3.11%
Total Guaranteed Fixed Interest =6.22%** (equivalent to an effective interest rate of 3.0626% per annum) Guaranteed Minimum Interest of 3.11% p.a. of the Principal Amount paid over 2 years
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.
Total Guaranteed Minimum Interest
6.22%** of the Principal Amount for the entire Tenor (Being Total Guaranteed Fixed Interest of 6.22%* plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket
Company
Bloomberg Ticker##
Apple Inc (“AAPL”)
AAPL UQ
Abbott Laboratories (“ABT”)
ABT UN
Blackrock Inc (“BLK”)
BLK UN
Citigroup Inc (“C”)
C UN
##Bloomberg ticker is provided for reference only
Key Risks for the Investor
A tenor of 2 years.
**In the worst case scenario, the total minimum interest payable by UOB is 6.22% of the Principal Amount for the entire Tenor if the Structured Deposit is held until maturity. This is equivalent to an effective interest rate of 3.0626% per annum
There may be no or limited secondary market for the Structured Deposit. If the investor seeks to unwind the Structured Deposit before maturity, early withdrawal, if permitted, may be subject to prevailing market conditions, costs and charges.
If the Structured Deposit is not held until maturity, the principal amount is not guaranteed, and the investor may incur a loss of part or all of the Principal Amount.
Please refer to the Indicative Term Sheet for more 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 and Disclaimers
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 (6) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails investment risks, including potential loss of the principal sum invested if the structured deposit 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 (6). 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 (6) is suitable for you.
Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2026 – Series (6) 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.
Where the Structured Deposit is denominated in a foreign currency, you may be exposed to foreign exchange risk, which may affect returns when converted into Singapore dollars.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
United Overseas Bank Limited Co. Reg. No. 193500026Z June 2026
Current tranches for 2023
UOB Principal Guaranteed Structured Deposit 2023 – Series (1) - SGD
UOB Principal Guaranteed Structured Deposit 2023 – Series 1 provides you the opportunity to earn 2.80% guaranteed interest per year (with your principal guaranteed) paid annually over 3 years, if held to maturity.
Boost your returns with UOB Principal Guaranteed Structured Deposit 2023 – Series 1- SGD*. Get started with a minimum investment of S$5,000*.
Earn 2.80% guaranteed interest per year 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%* 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.)
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:
Year
% of the Principal Amount
1
2.800%
2
2.800%
3
2.800%
Total Guaranteed Fixed Interest = 8.400%
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.
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%)
Shares in Underlying Basket
Company
Bloomberg Ticker**
CapitaLand Ascendas REIT (“CLAR”)
CLAR SP
CapitaLand Integrated Commercial (“CICT”)
CICT SP
CapitaLand Investment Ltd/ Singapore (“CLI”)
CLI SP
DBS Group Holdings Ltd (“DBS”)
DBS SP
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 8.400%* of the Principal Amount 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 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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