One Account

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    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.

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    Rewarding savers in this season of giving

    Regardless your reasons for saving, ‘tis the season to be rewarded with gifts (worth up to S$1,398)* from Samsung, Samsonite or BRUNO and many more when you play our Savings Bonanza game!

    All players of our Savings Bonanza game will walk away with a gift*! Simply deposit fresh funds of minimum S$30,000 into your UOB One Account and SMS in to participate now.

  • Credit your salary for additional bonus interest

    For a limited time only, you can now earn bonus interest of up to 2.75% p.a.10 (additional interest of 0.25% p.a.9) on your savings when you credit your salary.

    Register Now

Announcement: With effect from 1 November 2020, the prevailing interest rate for the UOB One Account will be revised. Click here for more information.

How It Works

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

Plus, for a limited period only, earn additional interest of 0.25% p.a.9 on your savings when you credit salary of at least S$2,000 into your UOB One Account. This means that you’ll get to earn up to 2.75% p.a.10 on your savings!

Register your participation now

 

 

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

And earn higher
interest of up to 2.75% p.a.PROMOTION!

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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.

 

For a limited time only, earn additional interest of 0.25% p.a.9, over and above the interest which may be earned at the prevailing interest rates, on your account’s MAB from 1 January 2021 to 30 June 2021 ("Interest Earning Period")!

 

Here's how:

 

Step 1: Register your interest via online participation form below between 18 November 2020 to 31 December 2020 ("Participating Period"):

 

Submit your registration here

 

Step 2: Credit your salary of at least S$2,000 via GIRO into your UOB One Account on a monthly basis from 1 January 2021 onwards.

 

Tip:
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!

 

Step 3: You will earn an additional interest of 0.25% p.a.9 on your account’s MAB for each calendar month (during the Interest Earning Period) with valid salary credit via GIRO (min. S$2,000).

 

Illustration:

Assuming the customer has no salary credit during the period from 1 Jul’20 – 31 Oct’20, and submitted the participation form during the Participating Period to sign up for the UOB Salary Credit Campaign (16 November 2020 to 31 December 2020).

 

Interest Earning Period (2021)

Met Card Spend of S$500?

Credited salary of at least S$2000 via GIRO?

Prevailing Interest rate on your accounts’ MAB (p.a.)

Eligible for bonus interest of 0.25% under Salary Credit Campaign?

Interest rate you could be enjoying on your account's MAB (p.a.)

January Yes NO 0.25% NO 0.25%
February YES YES Up to 2.50% YES Up to 2.75%
March NO YES 0.05% YES 0.30%
April YES NO 0.25% NO 0.25%
May YES YES Up to 2.50% YES Up to 2.75%
June YES YES Up to 2.50% YES Up to 2.75%

9UOB Salary Credit Campaign (18 November 2020 to 31 December 2020) Terms and Conditions apply.

 

Eligible salary credit transactions must be:

  • made through GIRO with the transaction description "GIRO-SALA”; and
  • successfully credited within the CALENDAR Month

 

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 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

NewJoint 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.

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 20.8% 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

Promotion

Rewarding savers in this season of giving

 

Regardless your reasons for saving, ’tis the season to be rewarded with gifts (worth up to S$1,398)* from Samsung, Samsonite or BRUNO and many more when you deposit fresh funds into your UOB One Account and SMS in to register for a chance to play the Savings Bonanza online game, available for play in December 2020!

 

All players of the Savings Bonanza game will get to walk away with a gift! Simply SMS to register for the tier you wish to participate in and deposit fresh funds S$30,000, S$50,000 or S$100,000 to complete the registration

 

 

 

Stand to redeem one of the gifts* in the tier you have registered for, while stocks last!

 

Please note that you can only choose to participate in either the Silver Tier, the Gold Tier OR the Platinum Tier for this Promotion.

BRUNO Hotplate and Toaster Grill Set + Trio Attachment Bundle FAQ

 

To register your participation, simply SMS to 77862 in the following format from now till 31 December 2020

Fresh Funds amount (i.e. 30K, 50K or 100K) ‹space›10-digit One Account number

Example:
If you wish to register for the S$30,000 / Silver tier, SMS: 30k 0123456789
If you wish to register for the S$50,000 / Gold tier, SMS: 50k 2468013579
If you wish to register for the S$100,000 / Platinum tier, SMS: 100k 0123456789

The amount of Fresh Funds indicated in your SMS registration for this promotion and deposited into your UOB One account will be earmarked for approximately 6 months.

 

Stand to receive up to S$280 cash credit and vouchers when you apply online for a new UOB One Account now!

UOB One Account and UOB Credit Cards

Action(s)

New-to-Deposits Customers

UOB Deposits Customers

Successfully open a UOB account online5,6 & maintain min. S$5,000 balance for 6 months S$80 cash credit S$40 cash credit
Successfully sign up for UOB One Credit Card4,7 & spend min. S$1,500 S$150 cash credit
S$50 Shopee vouchers
Successfully sign up for any other UOB Credit Card4 & spend min. S$1,500 S$150 cash credit

UOB One Account and UOB One Debit Card

Action(s)

New-to-Deposits Customers

UOB Deposits Customers

Successfully open a UOB account online5,6 & maintain min. S$5,000 balance for 6 months S$80 cash credit S$40 cash credit
Successfully sign up for UOB One Debit Card online8 and make at least 3 Shopee transactions S$20 Shopee vouchers

UOB One Debit Card will be automatically issued when you apply online for UOB One Account.

Apply Now

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 additional cheque book
(50 leaves)

Learn more about account fees and charges.

 

Get up to S$280 when you apply online for both One Account5,6 and One Card4,7.

 

APPLY NOW
Online Account Opening for UOB One Account and One Card
BOOK NOW
Appointment for Account Opening at Branch

 

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.

 

Now, you can open and transact with your account instantly. (Joint account now available online)
Get up to S$1005,6,8 when you apply online for UOB One Account.

 

APPLY NOW
For Instant Account Opening of UOB One Account

 

Apply for a new UOB account 24/7 by retrieving your personal information with MyInfo. Applications submitted between 8.30am to 9pm (for new UOB customers) will be opened instantly. Applications received outside these times will be processed the next working day.

 

Actions or documents required

For Singaporeans and PRs

You can now apply via MyInfo, where forms are prefilled with no submission of documents needed. You will require:

  • SingPass Login

Choose to apply for

  • Instant Account Opening for UOB One Account or
  • UOB One Account and One Card

 

Application of UOB One Account and One Card (via the online form)

  • Upload images of NRIC (front and back)
  • Authorise the bank to access CPF history

 

For Foreigners and U.S Persons

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

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

 

 

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.

4S$150 Cash Credit: Limited to the first 200 new-to-UOB Cardmembers per calendar month to  successfully apply for a new UOB Credit Card from 1 Nov to 31 Dec 2020 and spend at least S$1,500 within 30 days from the card approval date. Click here for full terms and conditions.

5S$80 Cash Credit (for new-to-UOB Deposits customers)
Be the first 200 applicants (per month) to:

  1. Successfully open a new Eligible UOB Account^ online; and
  2. Deposit at least S$5,000 of fresh funds into your new UOB account by 31 Dec 2020; and
  3. Maintain the fresh funds deposited into your new UOB account for 6 consecutive months.

Click here for full terms and conditions.

6S$40 Cash Credit (for existing UOB Deposits customers as at 31 Oct 2020)
Be the first 200 applicants (per month) to:

  1. Successfully open a new Eligible UOB Account^ online; and
  2. Deposit at least S$5,000 of fresh funds into your new UOB account by 31 Dec 2020 and increase the total amount in all your other UOB current/savings accounts by at least S$5,000 as of 31 Oct 2020; and
  3. Maintain the fresh funds deposited into your new UOB account for 6 consecutive months.

Click here for full terms and conditions.

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

7S$50 Shopee vouchers: Limited to the first 250 new-to-UOB One Credit Card applicants per calendar month who successfully apply for a new UOB One Credit Card from 1 Nov to 31 Dec 2020 and spend at least S$1,500 within 30 days from the card approval date. Click here for full terms and conditions.

8S$20 Shopee vouchers: Limited to the first 400 new-to-UOB One Debit Visa Card and first 400 new-to-UOB One Debit Mastercard applicants per calendar month who successfully apply for a new UOB One Debit Visa Card or One Debit Mastercard respectively from 1 Nov to 31 Dec 2020 and make at least 3 Shopee transactions within 30 days from the card approval date. Click here for full terms and conditions.

10Maximum effective interest rate (EIR) on the One Account is 1.25% p.a. for deposits of S$75,000 during Interest Earning Period of 1 January 2021 – 30 June 2021, provided customers sign up for the UOB Salary Credit Campaign during the Participating Period and meet both criteria of S$500 Card Spend AND a min. S$2,000 salary credit via GIRO.

*The UOB Savings Bonanza (16 October 2020 to 31 December 2020) is valid from 16 October 2020 to 31 December 2020, both dates inclusive. Full terms and conditions apply.

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.