• currency-linked-investmentcurrency-linked-investment

    Earn potentially higher interest with dual currency investments

At a Glance

What is MaxiYield?

MaxiYield is a Dual Currency Investment. It offers:

  • Potentially higher yields on your currency investments.
  • An opportunity to potentially capitalise on foreign exchange movements.
  • The freedom to decide on a currency pair from a wide range of currencies* to suit your needs.


Is UOB MaxiYield for You?

UOB MaxiYield may be an investment for you# if:

  • You are indifferent to holding either currency;
  • You wish to earn potentially higher interest and do not mind receiving your money back in the alternate currency.


How It Works


Step 1 Place your principal in a base currency of your choice. Choose from a wide range of currencies*. USD1,000,000
Step 2 Choose the second currency as your alternate currency. Australian Dollar (AUD)
Step 3 Decide the tenure of your investment. The minimum tenor is 1 week. 1 month (30 days)
Step 4 Select the preferred exchange rate between the base currency and alternate currency as a pre-agreed exchange rate. 0.8700 (i.e. AUD1 is worth USD0.8700)
Step 5 Accept the Enhanced Yield2 for this investment. 6% p.a.


Scenario A (Profit):

If AUD/USD rate is above 0.8700:

Prevailing Exchange Rate on Expiration Date 0.8800
(i.e. AUD1 is worth USD0.8800)
Amount Received upon Maturity USD1,000,000 + (USD1,000,000 x 6% x 30/360#)
= USD1,005,000.00
Gain USD5,000


Scenario B (Loss):

If AUD/USD rate is below 0.8700:

Prevailing Exchange Rate on Expiration Date 0.8650
(i.e. AUD1 is worth USD0.8650)
Amount Received on Maturity [USD1,000,000 + (USD1,000,000 x 6% x 30/360#)]/0.8700 = AUD1,155,172.41
Loss3 USD1,000,000 - (AUD1,155,172.41x 0.8650)
= (USD775.87)


Other dual currency investment options with advanced features such as additional knock-in and knock-out barriers are also available now.

* Australian Dollar (AUD), British Sterling Pound (GBP), Canadian Dollar (CAD), Euro (EUR), Hong Kong Dollar (HKD), Japanese Yen (JPY), New Zealand Dollar (NZD), Singapore Dollar (SGD), Swiss Franc (CHF) and United States Dollar (USD)
1 The above illustration is for general information only, and does not constitute any recommendation that any person enter into any transaction described or any similar transaction. Neither does it constitute any prediction of likely or future movements in currency exchange rates or any representation that any such future movements will not exceed those shown in the illustration.
2 The Enhanced Yield, which is also the effective yield, is indicative and is used only for illustration purposes and thus subjected to change.
3 Assuming that the investor wishes to convert bank to the base currency at the prevailing exchange rate of 0.8650


Rates & Requirements

  • Only a minimum investment of SGD50,000 is required for MaxiYield. Applicable for Wealth Banking & Privilege Banking Customers

Apply Now

For Wealth Banking Customers – Call 1800 222 1881 to make an appointment with a UOB Relationship Manager.


For Privilege Banking Customers – Call our 24-hour Privilege Concierge at 1800 222 9889 to make an appointment with a UOB Client Advisor.


This is prepared for general information only and does not have any regard to the specific investment objective, financial situation and particular needs of any specific person who may receive this document.


UOB MaxiYield is a Dual Currency Investment which has risk and investment elements, is not a fixed deposit and it is also not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A).


This investment product offers premium interest rates as may be agreed between you and United Overseas Bank Limited (“UOB”) with an embedded option granted by you to UOB. In the event that UOB exercises the said option, the value of your investment in the Base Currency will be converted into the Alternate Currency, regardless of whether you wish to be paid in this currency at that time. The value of your redemption amount at maturity may be less than your principal investment amount on conversion if the prevailing exchange rate moves against your favour.


Exchange controls may also apply from time to time for certain foreign currencies that may affect the convertibility or transferability of that currency. It is advisable for you to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase the product. In the event that you choose not to have a licensed or an exempt financial adviser, you should consider carefully whether the product is suitable for you in light of your financial needs, investment goals and objectives and risk appetite.


UOB MaxiYield is an investment product that requires you to hold the product to maturity with a right given to UOB to terminate prematurely upon occurrence of certain Extraordinary Events stipulated in the MaxiYield Facility Agreement. Unless UOB otherwise agrees, the investment amount cannot be withdrawn by you, whether partially or in whole, prior to its maturity. If UOB allows for any early withdrawal, UOB shall be entitled to deduct from the investment amount, any loss, costs, charges and/ or expenses incurred by UOB (including but without limiting to UOB’s unwinding or termination of its hedging and/ or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than the principal investment amount.


The UOB MaxiYield will be governed by the MaxiYield Facility Agreement, and the related Confirmation Note as agreed between you and UOB. If there is any inconsistency or difference between the English version of the contents of this brochure and any translation of the contents of this brochure, the English version of the contents of this brochure shall apply and prevail. UOB reserves the right to change the terms contained in this brochure at anytime and from time to time at its discretion without having to give prior notice or any reason or be liable to any party arising from the said changes.

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