One Account

  • Family Savings FestivalFamily Savings Festival

    Saving made rewarding for the whole family

    It’s always a great idea to save as a family! Be rewarded with up to S$120 cash credit4 when you take part in the UOB Family Savings Festival. Plus, be one of 10 lucky savers4 to win attractive prizes at our Family Savings Festival Grand Draw!

    Don’t have a UOB savings account? Apply for a new UOB One Account and UOB One Card online and credit your salary with us to get up to S$226 cash credit5,6,7.

  • baner1-one-accountbaner1-one-account

     

    Getting higher interest rates doesn't have to be a challenge

    The UOB One Account is still the simpler way to earn higher interest rates.

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

To earn higher interest on your savings

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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 YOLO Credit 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 YOLO 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 YOLO) 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$2,000 salary monthly to your UOB One Account to earn higher interest on your savings.

 

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 Car Financing Payment
    • UOB Credit Card Centre
    Note that bonus interest does not apply to mortgage loans and card loans.

  • 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$2,000 salary credit via GIRO OR (b) 3 GIRO debit transactions in each calendar month.

Benefits

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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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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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.

  • 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

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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Convenience of a monthly estatement

Convenience of a monthly estatement

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

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.

Promotion

Receive up to S$120 cash credit4 and accumulate chances to win attractive prizes at the Family Savings Festival Grand Draw!

 

Every S$10,000 incremental fresh funds deposited into your UOB One Account gives you

 

Plus, 10 lucky savers4 stand to win one of these attractive prizes for some quality family time.

  • 2D1N stay at The Barracks Hotel Sentosa Suite Room (worth S$1,400)
  • 2D1N stay in in Andaz Residence Suite with S$100 F&B credit (worth S$965)
  • Playstation® 5 Console (worth S$729)
  • Microsoft Surface Go 2 (worth S$618)
  • Anova Precision® Cooker Pro (worth S$548)
  • Nintendo Switch Gen 2 (worth S$489)

The more you save, the more cash credit you will receive and the higher your chances are in our Grand Draw. Here's how it works

Incremental Fresh Funds Amount (measured against March 2021 MAB) Eligible Cash Credit Number of Lucky Draw Chances
S$50,000 S$50 5 chances
S$100,000 S$100 10 chances
S$120,000 S$120 12 chances

 

Kindly note that this Promotion is applicable for Primary Accountholders only. Fresh Funds deposited will be measured against your Account’s Monthly Average Balance (MAB) as at 31 March 2021 and will be earmarked for approximately 6 months.

 

Promotion ends 30 June 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

Do not have a UOB One Account? Apply online now to receive these additional rewards (up to S$226 cash credit5,6,7)!

Customise your own LEGO® Minifigure when you successfully open a UOB savings account online (no min. balance required).
+
Receive S$38 cash credit when you credit your salary successfully with us. Register your interest here.
+
Receive S$38 cash credit when deposit S$5,000 and maintain your balance for 2 months (for the first 450 new-to-UOB Deposit customers only).
+
Receive S$150 cash credit when you also apply for a new UOB personal credit card and spend S$1,500 within 30 days from card approval date

APPLY NOW
For Instant Account Opening of UOB One Account
APPLY NOW
Online Account Opening for UOB One Account and One Card

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 YOLO) 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

For Singaporeans and PRs

You can now open and transact with you account instantly with MyInfo, where forms are prefilled with no submission of documents required. You just need your SingPass for login.

 

With that, you can apply for:

  • UOB One Account (instant account opening)
  • UOB One Account and UOB One Card
  • Joint account is available online too

 

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.

4The UOB Family Savings Festival (1 April 2021 to 30 June 2021) is valid from 1 April 2021 to 30 June 2021, both dates inclusive. Full terms and conditions apply.

5Up to S$76 Cash Credit (for new-to-UOB Deposits customers)

a) S$38 cash credit for the first 450 customer per calendar month to:

  1. Successfully open a new Eligible UOB Account^ online from 1 April 2021 to 30 June 2021;
  2. Deposit at least S$5,000 of fresh funds into the new Eligible UOB Account from 1 April 2021 to 30 June 2021; and
  3. Maintain the fresh funds deposited for 2 months.

    and

b) S$38 cash credit for customers who:

  1. Successfully opens a new Eligible UOB Account^ online from 1 April 2021 to 30 June 2021;
  2. Credits his/her monthly salary into the new Eligible UOB Account within the 2nd calendar month of the new Eligible UOB Account opening date; and
  3. Successfully completes and submits the participation form for this Promotion to UOB via https://forms.uob.com.sg/personal/save/salary-credit.html

Click here for full terms and conditions.

6S$38 Cash Credit (for existing UOB Deposits customers)

  1. Successfully opens a new Eligible UOB Account^ online from 1 April 2021 to 30 June 2021; and
  2. Credits his/her monthly salary into the new Eligible UOB Account within the 2nd calendar month of the new Eligible UOB Account opening date;
  3. Have not previously credited his/her monthly salary via GIRO into any UOB account from 1 September 2020 to 30 March 2021; and
  4. Successfully completes and submits the participation form for this Promotion to UOB via https://forms.uob.com.sg/personal/save/salary-credit.html

Click here for full terms and conditions.

^Eligible UOB Account: UOB Uniplus Account, UOB Stash Account, UOB Lady’s Savings Account and/or UOB One Account

7S$150 Cash Credit (for new-to-UOB Credit Cardmembers)
Only for first 200 successful UOB personal credit card applications between 1 to 31 May 2021 with a minimum spend of S$1,500 within 30 days from card approval date. Click here for full terms and conditions.

LEGO, the LEGO logo and the Minifigure are trademarks of the LEGO Group.
©2021 The LEGO Group.

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.