One Account

  • baner1-one-accountbaner1-one-account

    The One that makes things simple

    Because life's complex enough; your banking shouldn't be. Save, spend and earn up to 2.5% interest p.a. on your savings with the UOB One Account.

    Apply now


    Insured up to S$75k by SDIC.
    Terms and Conditions apply.

Announcement: With effect from 1 February 2021, please be informed that transactions involving payments to hospitals, automobile parking lots and garages will be excluded from the list of monthly qualifying spend for the UOB One Card, One Debit Card and the awarding of bonus interest on the UOB One Account. For details, visit here for the UOB One Card T&Cs, here for UOB One Debit T&Cs and here for the UOB One Account T&Cs.

How It Works

Earn higher interest rates of up to 2.50% p.a.1 on your savings with UOB One Account.

 

Spending on eligible UOB Credit/Debit Card

To earn first tier interest rate of 0.25%

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Crediting your salary into your UOB One Account

NEW Earn higher interest on your savings with our lowered salary crediting criteria of S$1,600.

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Making GIRO debit transaction from your UOB One Account

To earn higher interest on your savings

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Make a minimum of S$500 eligible card spend^ on eligible UOB Credit Card or UOB Debit Card to earn bonus interest on the UOB One Account.

 

^Eligible Card spend transactions are based on the following

  • Eligible Visa/MasterCard local and foreign retail transactions subjected to the exclusions mentioned below;
  • Insurance payments made on a recurring basis on selected credit or debit cards;
  • Total posted retail transactions by the selected Credit Card(s) principal and supplementary holder plus any spending on the selected Debit card(s); and
  • Transactions posted within a CALENDAR month

UOB Credit and Debit Cards that are eligible to earn bonus interest on the UOB One Account include UOB One Card, UOB Lady’s Card+ (all card types), UOB EVOL Card, UOB One Debit Visa Card*, UOB One Debit Mastercard*, UOB Lady’s Debit Card and UOB Mighty FX Debit Card.

 

See here for full list of retail transactions.

 

Don't have UOB One Card? Get one today.

Apply for UOB One Account and UOB Lady's Card here.

Apply for UOB One Account and UOB EVOL Card here.

 

Note: A UOB One Debit Mastercard* will be automatically issued to you if your UOB Credit Card (UOB One Card/UOB Lady’s Card/UOB EVOL Card) application is unsuccessful.
+UOB Lady's Card refers to any UOB Lady's / Lady's Platinum / Lady's Solitaire Credit and/or Lady’s Debit Cards issued by UOB.
*UOB Direct Visa Debit Card & UOB Debit Mastercard has now been renamed to UOB One Debit Visa & UOB One Debit Mastercard respectively.

 

Credit a minimum of S$1,600 salary monthly to your UOB One Account to earn higher interest on your savings now.

 

Eligible salary credit transactions are

  • made through GIRO with the transaction reference "SALA“
  • successfully credited within the CALENDAR Month

To credit your salary credit to the UOB One Account, you will need to notify your HR department on your new account number.
If applicable, you can use the template we have developed for you to send it to your HR department. Email your HR to make the switch now!

 

See here for transactions excluded from salary credit transactions.

 

You need to make a minimum of 3 GIRO debit transactions payable to any Billing Organisations with the bank. Eligible transactions must be posted within the calendar month.

 

GIRO transactions are dependent on Billing Organisations and deduction dates are determined by the Billing Organisations. For payments that are due at month end or beginning of the month, there is a risk that the deduction will flow to next month or be brought forward.

 

To facilitate your GIRO instructions, you can follow one of the steps below:

  • Sign up/in via UOB Personal Internet Banking and go to “Apply for” and choose “GIRO Arrangement”. You will be able to apply directly with the following Billing Organisations online:
    • Geneco Seraya Energy
    • HDB
    • IRAS
    • PacificLight Energy Pte Ltd
    • UOB Credit Card Centre
    Note that GIRO arrangement for Mortgage loans and Car loans do not count towards the eligible GIRO transactions for bonus interest.

  • For Billing Organisations that are not found in UOB Personal Internet Banking and require dedicated GIRO forms, please download the forms here:
    Prudential
    Singtel
    M1
    Starhub
    SP Services
  • For Billing Organisations that accept a GIRO form from UOB, you can download it here.

 

See here for transactions excluded from GIRO debit transactions

 

 

Here’s how it all adds up:

 

*Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a. and Bonus Interest is paid on the first S$75,000 balance in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

1Maximum effective interest rate (EIR) on the One Account is 0.25% p.a. for deposits of S$75,000, provided customers meet the criterion of S$500 Card Spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 Card Spend AND (a) a min. S$1,600 salary credit via GIRO OR (b) 3 GIRO debit transactions in each calendar month.

Benefits

Start saving instantly from the comfort of your home

NEW Start saving instantly from the comfort of your home

Whether you are an existing UOB saver or a new customer, you can open a savings account online and start transacting instantly without having to leave your home.

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Up to 10% rebate

Up to 10% rebate

when you spend on your UOB One Credit Card
or the UOB One Debit Card.

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  • Get approval within minutes7 to start saving instantly.
  • Apply for more than one savings account in a single application.
  • You can also apply for a new savings account using your UOB Credit/Debit card and Personal Identification Number (PIN).
  • For customers applying for a single-named account, you can now track your application status here.

Enjoy generous rebates on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, petrol and more with the UOB One Credit Card and the UOB One Debit Card.

 

  • Up to 10% rebate2 on Shopee Singapore, Dairy Farm Singapore, Grab and Singapore Power with UOB One Credit Card
  • Up to 3% rebate3 on Shopee Singapore, Dairy Farm Singapore and Grab with UOB One Debit Card

 

Note: A UOB One Debit Mastercard* will be automatically issued to you upon successful application of your UOB One Account.

Joint Account now available online

Joint Account now available online

Apply for a joint account from the comfort of your home and enjoy an easy and transparent way to manage shared finances.

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Link Mighty FX to your One Account

Link Mighty FX to your One Account

Get competitive exchange rates for your overseas spend.

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  • The operating mandate will be Joint-OR (either party to sign). Both account holders can access the funds in the account.
  • Each customer can only hold 1 One Account as Primary Account Holder. Customer who initiated the application will be defaulted as the Primary Account Holder.
  • To earn bonus interest, the Primary Account Holder must spend a min of S$500 on his/her eligible card. Spend charged to the card of the secondary account holder will not be considered as eligible card spend to earn bonus interest.
  • Transactions made by the Secondary Account Holder will also affect the MAB#.
  • All promotions are applicable for the Primary Account Holders only unless otherwise stated.

 

Note: Customer can choose to apply for a joint account in the application by providing the joint applicant details. An email will be generated to the joint applicant to inform him/her that he/she has been nominated by the main applicant. The joint applicant would be required to complete the application within 7 working days.

 

Who is a Primary Account Holder?

The Primary Account Holder will be the main applicant when the application is submitted. It will be displayed as the first name under the Account Holder’s Name.

 

For illustration purposes only:
Account Holder’s Name: Ms Wendy Tan &/or Ms Alice Tan
Primary Account Holder: Ms Wendy Tan
Secondary Account Holder: Ms Alice Tan

What's more, you can earn higher interest of up to 2.50% p.a.1 on your savings with UOB One Account, when you spend on the Mighty FX Debit Card.

 

Sign up for Mighty FX today.

Convenience of a monthly estatement

Convenience of a monthly estatement

Go paperless with 5 years of stored electronic statements from the time you subscribe

Promotion

Year End Savings Festival Promotion

Year End Savings Festival Promotion

UOB is here to light up the holidays with rewards for all savers!

From now till 31 Dec 2021, receive up to S$150 cash credit* when you sign up for a UOB One Account online, deposit fresh funds and register your participation in the UOB Year End Savings Festival.



 

Incremental Fresh Funds Amount (measured against September 2021 MAB) Cash Credit Amount
S$5,000 S$50
S$100,000 S$150

Here's how:

Step 1: Apply for a UOB One Account online.

Step 2: Register your participation in the UOB Year End Savings Festival here by the 15th of the following month upon account approval.

Step 3: Deposit at least S$5,000 or S$100,000 in incremental fresh funds into your account by the 15th of the following month upon account approval.

Qualifying Period based on New Account Approval date Incremental Fresh Funds must be deposited by and maintained till Participation form needs to be submitted by
1 (1 to 31 Oct 2021) 15 November 2021 15 November 2021
2 (1 to 30 Nov 2021) 15 December 2021 15 December 2021
3 (1 to 31 Dec 2021) 15 January 2022 15 January 2022

Surprise deals

Find out more here as we count down to the end of the year with a surprise deal every month!

 

Promotion ends 31 December 2021

Register your participation now

Calculator

Total card spent
 
 
 
Salary credit amount
 
 
 
OR No. of GIRO transactions
 
 
Account balance in your
UOB One Account
 
 
By topping up more, you can enjoy up 2.50% pa.a interest^!
 
 
You will earn an annual interest of S$1,347.00 and annual cash rebate of
S$200, which adds up to a total of
S$
81,858487.8080
Rebate Calculator
 
Enjoy up to 10% cash rebate on your daily spend at Dairy Farm Singapore, Grab, Shopee Singapore, UOB Travel spend and 6% rebate on Singapore Power utilities bill! Plus, up to 5% rebate on all retail spend2! Enter your monthly spend below to find out how much rebate you can earn!
petrol
TransportUp to 10% rebate2 on Grab rides and food (excludes Grab mobile wallet top-ups).
S$
petrol
PetrolFuel savings of up to 21.15% at Shell and 24% at SPC.
S$
groceries
Groceries, Beauty & WellnessUp to 10% rebate2 at Dairy Farm Singapore such as Cold Storage, Giant, Guardian, 7-Eleven,
Marketplace, Jasons, Jasons Deli.
S$
dining
DiningUp to 50% off with UOB Dining Privileges.
S$
bill-payment
Recurring Bill Payment(Mobile, Broadband and Utilities)
Enjoy rebates with recurring bill payments. Click here for form.
S$
other-spend
Other Spend(including supplementary card spend)
S$
total-spend
Total Monthly Spend:
S$0
cash-rebate
Total Cash Rebate:with your UOB One Card in a year
S$0

Apply Now

Note: A UOB One Debit Mastercard will be automatically issued to you if your UOB Credit Card (UOB One Card/UOB Lady’s Card/UOB EVOL Card) application is unsuccessful.

Eligibility and fees

Age 18 years beyond
 
Fall-below Fee S$5
Min Monthly Average Balance of S$1,000
Early Account Closure Fee S$30
Within 6 months from opening
Cheque Book S$10
Per cheque book
Issued upon request

Actions or documents required

You can open a savings account online and start transacting instantly (where applicable).

 

How to apply:

  1. Retrieve with MyInfo using Singpass login – applicable to new to UOB customers, existing to UOB customers and joint applicants
  2. Personal Internet Banking login details – applicable to existing to UOB customers
  3. Credit/Debit card number and PIN – applicable to existing to UOB customers applying for single-named account application

 

For Foreigners and U.S Persons

Please proceed to any UOB Branch for application. You will require:

  • Passport
  • Proof of Residential Address
  • Employment Pass/ S Pass/ Dependent Pass

 

BOOK NOW
Appointment for Account Opening at Branch

 

2Enjoy up to 5% cash rebate based on a retail spend of S$2,000 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cash rebate of S$300. Enjoy up to 3.33% cash rebate based on a retail spend of S$1,000 or S$500 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cash rebate of S$100 or S$50 respectively. Cardmembers who have been awarded the quarterly cash rebate will get an additional 5% rebate on the total Dairy Farm Singapore such as Cold Storage, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore (excludes Shopee Pay) and UOB Travel (excludes online and flight only bookings) transactions successfully charged and posted to the Card Account in each statement month. Cardmembers who have been awarded the quarterly cash rebate will get an additional 1% rebate on the Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional rebates will be capped at S$100 per month. Visit uob.com.sg/one for full terms and conditions.

3Enjoy 3% rebate on Dairy Farm Singapore ("DFSG") transactions (Cold Storage, Giant, Guardian, 7-Eleven, Marketplace, Jasons and Jasons Deli), 3% rebate on Shopee Singapore transactions (excludes Shopee Pay) & 1% rebate on Grab transactions (excludes mobile wallet top-ups) with a minimum monthly spend of S$500. Rebates are capped at S$20 per calendar month across all DFSG, Shopee Singapore & Grab transactions. Visit uob.com.sg/onedctncs for UOB One Debit Card Terms and Conditions.

*Eligible Accounts: UOB Uniplus Account, UOB Stash Account, UOB Lady’s Saving Account, KrisFlyer UOB Account and/or UOB One Account. $50 or $150 cash credit applicable for a customer who successfully opens a New Account within each Qualifying Period, completes participation form here, deposits required Incremental Fresh Funds by required date and where applicable, agrees to earmark such Incremental Fresh Funds.  $100 cash credit applicable for an existing customer who completes participation form here, deposits required Incremental Fresh Funds into the customer’s existing Account by required date, and agrees to earmark such Incremental Fresh Funds. Full Terms & Conditions apply and may be accessed here.

Important Notices

Important information on the use of UOB Accounts and Services

More information

Deposit Insurance Scheme

Providing limited compensation to selected eligible deposits

Find out more

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$75,000 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$75,000 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.