Skip to higher interest in two steps with UOB One Account

The maximum annual interest for deposits of S$150,000 in the UOB One Account is S$4,950 and is calculated based on the maximum effective interest rate (EIR) of 3.30% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month. Terms and conditions apply.

Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 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.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.90% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 3.30% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

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

Eligible Salary credit transactions have to be:

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

Note: Salary credit made via the following transactions are EXCLUDED.

• Cash deposits;
• Cheque or demand draft payments;
• Fund transfer or FAST transactions from personal accounts;
• Inward remittance transactions;
• Salary credit transactions NOT made within the CALENDAR month
• Any other transactions we may exclude from time to time without prior notice

To credit your salary credit to your UOB One Account, you will need to notify your HR department on your new account number. Email your HR to make the switch now!

See here for full Salary Credit FAQs.

You need to make a min. 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

Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 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.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.

Maximum effective interest rate (EIR) on the One Account is 1.90% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.

Maximum effective interest rate (EIR) on the One Account is 3.30% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

Enjoy up to 3.33% cashback based on a retail spend of S$2,000, S$1,000 or $$600 and min. 10 transactions per statement month for each qualifying quarter to earn the quarterly cashback of S$200, S$100 or S$60 respectively. Please note that exclusions apply.

Cardmembers who have been awarded the S$60 quarterly cashback will get an additional 5% cashback on the total McDonald’s, Grab (excludes mobile wallet top-ups), Shopee (excludes ShopeePay) and SimplyGo (bus and train rides) transactions. Cardmembers who have been awarded the S$100 quarterly cashback will get an additional 2.67% cashback on all Grocery transactions and an additional 5% cashback on the total McDonald’s, Grab, Shopee and SimplyGo (bus and train rides) transactions. Cardmembers who have been awarded S$200 quarterly cashback will get an additional 4.67% cashback on all Grocery transactions; an additional 6.67% cashback on the total McDonald’s, Grab, Shopee and SimplyGo transactions; and additional 1.67% cashback on Shell transactions. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS). All transactions must be successfully charged and posted to the Card Account within the Quarter. Additional Cashback will be capped at S$120 per month. Please refer to the full set of Terms and Conditions.

Up to 15% cashback - Valid for new-to-UOB Credit Card customers only

For New-to-UOB Credit Card customers who successfully apply between 1 July 2023 to 31 December 2023 and qualify for the quarterly cashback will get an enhanced partner cashback of up to 6.67% on the total McDonald’s^NEW, DFI Retail Group merchants such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab, Shopee Singapore transactions, SimplyGo (bus and train rides) and UOB Travel transactions successfully posted to the Card Account in each statement month. Enhanced cashback will be capped at S$100 per month for first 2 quarters. Click for full terms and conditions.

This is based on first S$150,000 balance in UOB One Account and first S$100,000 balance in UOB Stash Account. The maximum annual interest for deposits of S$100,000 in the UOB Stash Account is S$2,040 and is calculated based on the maximum effective interest rate (EIR) of 2.04% p.a., provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. The maximum annual interest for deposits of S$150,000 in the UOB One Account is S$4,950 and is calculated based on the maximum effective interest rate (EIR) of 3.30% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month. Terms and conditions apply.

Get a Harman Kardon Speaker and up to S$160 cash or up to S$220 cash comprising of 1) S$60 cash credit and 2) up to S$160 cash credit

1) Harman Kardon Speaker or S$60 cash credit

Limited to the first 150 customers on each tactical promotion date, namely 5 October 2024, 11 October 2024, 18 October 2024 and 25 October 2024 (each a “Tactical Promotion Date”). Harman Kardon Speaker (worth up to S$299) is only for the first 50 eligible customers on each Tactical Promotion Date during the promotion (i) who submit an online account opening application on a Tactical Promotion Date for a new single-name KrisFlyer UOB Account, UOB One Account, UOB Lady’s Savings Account, UOB Stash Account or UOB Uniplus Account (each an “Account”), (ii) whose application is successfully approved by 31 October 2024, and (iii) who deposit at least S$5,000 into their new Account by 31 October 2024 and hold it till 30 November 2024 (inclusive of the date indicated). For the next 100 customers who did not qualify for the Harman Kardon Speaker by being the first 50 customers but have otherwise satisfied all the conditions, they will be awarded with a S$60 cash credit instead. For existing UOB deposit customers, the fresh funds deposited into the new Account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all your other UOB current/savings accounts as at 30 September 2024. If you had received a reward under the UOB Online Account Opening Weekly Promotion (1 September to 31 October 2024), you will not be eligible to receive a reward under this Promotion.

Click here for full terms and conditions.

And

2) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 October 2024 to 31 December 2024) by successfully submitting an online participation form (available at the official UOB website) between 1 October 2024 to 31 December 2024, both dates inclusive, to receive the following cash rewards:

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB Savings Account in this Promotion via GIRO with the transaction description “GIRO-Inward Debit”, and/or who successfully perform a loan repayment transaction for their UOB car loan^{^} or UOB home loan^{^} from their designated Eligible UOB Savings Account for this promotion, in each case, within the next two calendar months from the date of submission of the online participation form.

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB Savings Account for this promotion via GIRO or PayNow^# within the next two calendar months from the date of submission of the online participation form; and

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB Savings Account for this Promotion via Direct Credit Service^~ within the next two calendar months from the date of submission of the online participation form.

Eligible UOB Savings Account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Full terms and conditions apply and can be accessed here.

^{^}Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

^~CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Promotion Week

1. 1 to 8 Sep
2. 9 to 15 Sep
3. 16 to 22 Sep
4. 23 to 29 Sep
5. 30 Sep to 6 Oct
6. 7 to 13 Oct
7. 14 to 20 Oct
8. 21 to 27 Oct
9. 28 to 31 Oct

UOB Online Account Opening Weekly Promotion (1 September to 31 October 2024)

Valid from 1 September 2024 to 31 October 2024 (“Promotion Period”). Limited to the first 150 customers of each Tactical Promotion Week, namely from 1 to 8 September and every calendar week from 9 September to 31 October 2024, (i) who submit an online account opening application during a Tactical Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into the new UOB account within the same calendar month of the new UOB account’s opening calendar month, and (iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 31 August 2024. Eligible new-to-UOB customers will be eligible to receive S$80 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$60 cash credit, and existing-to-UOB deposit customers will be eligible to receive S$30 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB Cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.

Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Participate in the UOB SalaryPlus Promotion (1 July 2025 to 30 September 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 July 2025 to 30 September 2025, both dates inclusive, to receive the following cash rewards:

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan^ or UOB home loan^ from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.;

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow^# within the next two calendar months from the date of submission of the online participation form; and

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service~ within the next two calendar months from the date of submission of the online participation form.

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

Customers must not have received any prior reward (whether in the form of cash credit or otherwise) in similar UOB promotions, or have the respective transaction history in any UOB current or savings account during the period between 1 January 2025 to 30 June 2025.

Full terms and conditions apply and can be accessed here.

^Repayment of your UOB car and home loan instalment must be reflected with the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

^~CDP dividends must be credited from the Central Depository with the transaction description “CDP Dividend” to be eligible.

Insured up to S$100k by SDIC.

Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

‘new funds’ means fresh funds brought in to UOB and which are not transferred or withdrawn from an existing UOB current/savings account and deposited into your new eligible UOB savings account. It is measured against your eligible UOB savings account’s March 2024 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.
Login to UOB Personal Internet Banking, click into the Account and you will be able to view last 3 months of Monthly Average Balance.

UOB Big Savings Payout Promotion (“Promotion”) is valid from 1 April 2024 to 29 June 2024, both dates inclusive (“Promotion Period”). To qualify, you must deposit incremental fresh funds in the specified amount (“Participating Deposit”) into your Eligible Account and successfully submit an online participation form to UOB for this Promotion during the Promotion Period, and maintain the Participating Deposit in your Eligible Account until the end of the Earmark Period. The amount of cash credit awarded under this Promotion depends on your actual Participating Deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will automatically be enrolled into the Lucky Draw and stand a chance to be one of the 10 winners to share S$12,000 worth of NTUC shopping vouchers. Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. Full terms and conditions apply and can be accessed here.

“new funds” means fresh funds in the form of non-UOB cheques or non-UOB cashier’s order which are not transferred or withdrawn from an existing UOB current/savings account and deposited into your eligible UOB savings account, and must result in at least a corresponding increment in your eligible UOB saving account’s day-end balance throughout the promotion period and earmark period when compared against your eligible UOB savings account’s Monthly Average Balance for the calendar month of June 2025.

Monthly Average Balance is the summation of each day-end balance for each month divided by the number of calendar days for that month.

Login to UOB Personal Internet Banking, click into the Account and you will be able to view last 3 months of Monthly Average Balance.

Get up to S$600 cash credit comprising:

1) Up to S$340 cash credit
AND
2) either S$100 or S$60 or S$30 cash credit
AND
3) up to S$160 cash credit

1) *UOB Nation of Savers SG60 Bonanza (“Promotion”) is valid from 1 July 2025 to 30 September 2025, both dates inclusive (“Promotion Period”). To participate, you must (i) deposit fresh funds in the specified amount (“Participating Deposit”) into your Eligible Account, (ii) submit an online participation form to UOB for this Promotion during the Promotion Period, (ii) maintain the Participating Deposit in your Eligible Account until the end of the applicable earmark period; and (iv) your Participating Deposit must also result in at least a corresponding increase in your Participating Account’s day-end balance throughout the Promotion Period and applicable earmark period when compared against your Participating Account’s Monthly Average Balance for June 2025. The amount of cash credit awarded under this Promotion depends on your actual Participating Deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will automatically be enrolled into the lucky draw organised for this Promotion and stand a chance to be one of the 60 winners to share the total cash prize of S$21,800. Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. Full terms and conditions apply. Visit the official UOB website for details.

And

2) UOB Online Account Opening Weekly Promotion (1 July to 30 September 2025)​​

Valid from 1 July to 30 September 2025 (“Promotion Period”). Limited to the first 80 customers of each Promotion Week, namely the week between 1 and 6 July 2025 and every calendar week between 7 July 2025 and 30 September 2025, (i) who submit an online account opening application during a Promotion Week for a new Eligible UOB Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into their new Eligible UOB Account within the same calendar month as their new account opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new Eligible UOB Account till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new Eligible UOB Account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all their other UOB current accounts and/or savings accounts as at 30 June 2025 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$100 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$60 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$30 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing UOB current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new Eligible UOB Account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.
Eligible UOB Account means: (i) for the period commencing from 1 July 2025 to 30 September 2025 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.

And

3) Participate in the UOB SalaryPlus Promotion (1 July 2025 to 30 Sep 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 July 2025 to 30 Sep 2025, both dates inclusive, to receive the following cash rewards:​

(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, and/or who successfully perform a loan repayment transaction for their UOB car loan^ or UOB home loan^ from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.;​

(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow# within the next two calendar months from the date of submission of the online participation form; and​

(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service~ within the next two calendar months from the date of submission of the online participation form.​

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.​

Customers must not have received any prior reward (whether in the form of cash credit or otherwise) in this Promotion or other similar UOB promotions, or have the respective transaction history in any UOB current or savings account during the period between 1 January 2025 to 30 June 2025.​

Full terms and conditions apply and can be accessed here.

^{^}Repayment of your UOB car or home loan instalment must reflect the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

^#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible

^~CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

Applicable to New to UOB customers who are Singaporeans/PRs with MyInfo login and existing UOB customers applying as a single-named applicant with Myinfo login or bank details online. Applications submitted between 8.30am to 9pm will be opened instantly. Applications received outside these times will be processed the next working day. Applications are subject to UOB’s approval.

Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 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.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.90% p.a.​ for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 3.30% p.a.​ for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

• 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 monthly average balance.
• 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

Instant approval refers to a conditional approval for a UOB Property Loan, and is granted based on the information provided by the applicant. It is processed and approved by UOB, and is subject to the applicable terms and conditions, including the necessary documentation verification and completion.