With effect from 1 May 2025, please be informed that the interest rates for One Account will be revised. T&Cs apply. Find out more
Get up to S$260 cash when you apply for an eligible UOB savings account online, deposit new funds, pay your bills, credit your salary and dividends with UOB. Or, get a Harman Kardon Luna Speaker or S$60 cash every Flash Deal Friday from 11 April to 30 May 2025. Find out more

Skip to the good part with One Account

With just 2 simple steps, you can now earn up to S$4,950 in interest a year for deposits of up to S$150,000.
Maximise your savings in just two steps

Maximise your savings in just two steps

Get up to 5.3% p.a. interest when you spend min. S$500 on an eligible UOB Card and credit your salary of min. S$1,600 or make 3 GIRO payments monthly.

We make it so easy

We make it so easy

Whether you choose to make 3 GIRO payments or credit your salary, you still earn bonus interest! We keep it flexible so that you can achieve your goals easily.

Don’t miss out on interest

Don’t miss out on interest

Track your progress towards earning bonus interest monthly with the UOB TMRW app.

Greater perks

Greater perks

Your UOB One Account comes with a UOB One Debit Card which you can use to get up to 3% cashback on dining, online shopping, groceries, transport, and more.

Get more savings out of your travels

Get more savings out of your travels

Link your One Account as the primary account to FX+ and directly convert SGD from the account to JPY, USD (and more!)

With UOB FX+ Debit Card,
• No FX fees when you spend worldwide or convert currencies
• Auto-convert currencies at your preferred rate
• S$5 cashback on overseas ATM withdrawals
• Earn bonus interest on your UOB One Account with S$500 minimum spend

T&Cs apply.

Managing your expenses is easier than ever with UOB Insights

Managing your expenses is easier than ever with UOB Insights

Monitor your inflows and outflows easily to keep track of your expenses and payments

No more missed payments or important transfers with friendly reminders and alerts.

W.e.f. 1 October 2024, transactions with the transaction description “AMAZE*” and/or Merchant Category Codes 5965 Direct marketing –Combination Catalog and Retail Merchants, 5993 Cigar Stores and Stands, 8699 Membership Organizations (Not Elsewhere Classified) and 8999 Professional Services (Not Elsewhere Classified) will be excluded from the awarding of bonus interest. Click here for details.

Two simple steps to earn up to S$4,950 in interest a year

Here’s how you can maximise the interest earned on your savings

Spend min. S$500 monthly on an eligible UOB credit/debit card

+

a) Credit min. salary of S$1,600 monthly into your UOB One Account

or

b) Make 3 GIRO debit transactions per month

One Account calculator

Total Card Spend
a) Salary Credit Amount
OR
b) No. of GIRO transactions
Account Balance
By saving more, you can enjoy up to 5.3% p.a. interest
You will earn an annual interest of S$6,000.00 and annual cash rebate of S$200, which adds up to a total of
S$
8 6 , 8 2 8 0 8 0
Enjoy up to 10% cashback on your daily spend at McDonald’s, DFI Retail Group, Grab, Shopee Singapore, SimplyGo (bus and train rides), UOB Travel spend and 4.33% cashback on Singapore Power utilities bill! Plus, up to 3.33% cashback on all retail spend! Enter your monthly spend below to find out how much cashback you can earn!
SimplyGo McDonald's
Up to 10% cashback on McDonald's and McDelivery®.
S$
SimplyGo Daily commute with SimplyGo
Up to 10% cashback on bus, mrt.
S$
transport Grab
Up to 10% cashback on GrabRide & GrabFood (exclude top-ups).
S$
dining Dining
Up to 50% off with UOB Dining Privileges.
S$
petrol Petrol
Fuel savings of up to 21.15% at Shell and 22.66% at SPC.
S$
travel UOB Travel
Up to 10% cashback on UOB Travel (excludes online, flight only bookings and relevant taxes).
S$
groceries Groceries at DFI Retail Group
Up to 10% cashback at Cold Storage, CS Fresh, Giant, 7-Eleven, Guardian, Market Place, Jasons.
S$
Online Spend at Shopee Singapore Online Spend at Shopee Singapore
Up to 10% cashback on your online shopping.
S$
Utilities Bills Singapore Power
Up to 4.33% cashback on Singapore Power utilities bill.
S$
bill-payment Recurring Bill Payment
Enjoy convenience and cashback with recurring bill payments (exclusions apply). Click here for form.
S$
other-spend Other Spend
Enjoy cashback with overseas spend, and 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
UOB One Account Tax Saver Promotion

Promotion

UOB One Account Tax Saver Promotion

Income tax season is here! Get up to S$600 cash when you pay your personal income tax via GIRO with UOB One Account.

Promotion ends 31 March 2026. No pre-registration required.

T&Cs apply. Insured up to S$100k by SDIC.

Promotion

UOB Cash is King Savings Bonanza

Save more to get more with UOB’s savings bonanza!

Get up to S$760 cash when you top up your balances with us.

Plus, you could be one of 10 lucky winners to share the S$20,000 lucky draw cash prize*! Hurry, the more you save the more chances you earn to win!

Here’s how to earn up to S$500 in cash:
Step 1: Register your participation here or via Rewards+ on UOB TMRW by 30 June 2025.
Step 2: Deposit a minimum of S$20,000 in new funds into your eligible UOB savings account. The new funds deposited will be set aside for approximately 5 months and cannot be withdrawn during this period.

That’s it! By participating in the UOB Cash is King Savings Bonanza, you will also be auto-enrolled into the lucky draw to stand a chance to win!

Don’t have a UOB savings account? Apply online now and receive up to an additional S$260 bonus cash reward, plus double your chances to win in the lucky draw when you open a new savings account and top it up to participate in our UOB Cash is King Savings Bonanza.

Eligible UOB savings account means any one of the following accounts: UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Passbook Savings Account or UOB Uniplus Account.

UOB Cash is King Savings Bonanza ends 30 June 2025 and is only open to Personal Banking, Wealth Banking, Privilege Banking and Privilege Banking Reserve segment customers. T&Cs apply.

^Refer to T&Cs for the Earmark End Date.

 

Activate Money Lock to protect your savings from digital scams

Activate Money Lock to protect your savings from digital scams

Scammers are becoming increasingly sophisticated, which is why it’s more important than ever to safeguard your money. By enhancing anti-scam measures that give you peace of mind, we continue our fight against digital scams with diligence and innovation.

Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals. Rest assured, your money continues to earn the same interest and/or rewards. Simply use the UOB TMRW app, UOB Personal Internet Banking or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.   

Things you should know

Eligibility and fees
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Age
18 years old and above
Fall-below Fee
S$5 if monthly average balance is less than S$1,000
Waived for first 6 months for accounts opened online
Early Account Closure Fee
S$30
Within 6 months from opening
Min. Initial Deposit
S$1,000
Cheque Book
S$10 per cheque book (50 leaves)
Issued upon request
Statement Type
eStatement

You can open a savings account online, get approval within minutes 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 need to bring along original copies of:

    • Your Physical Passport (Min 6 month validity is required)
    • Proof of Residential Address (E.g. Utilities or telecom bills)
    • Employment Pass/S Pass/Dependent Pass

Please note that photocopied or digital copies of the above documents will not be accepted for processing.

Important information on the use of UOB Accounts and Services

Terms and Conditions

Please see here for the full list of eligible card spend transactions to earn Bonus Interest.

Sales representatives, if any, may be remunerated for the recommendation or sale of this account.

Frequently Asked Questions

How do I earn bonus interest on the One Account through card spend?
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Make a minimum of $500 eligible card spend on eligible UOB Credit Card or UOB Debit Card to earn bonus interest on the UOB One Account.

The following Cards will be eligible for bonus interest in One Account:

  • Credit Cards: UOB One Card, UOB Lady’s Card (all card types), UOB EVOL Credit Card, Lazada-UOB Card
  • Debit Cards: UOB One Debit Visa Card, UOB One Debit Mastercard, UOB Lady’s Debit Card, UOB FX+ Debit Card

Eligible card spend transactions include the following

  1. Eligible Visa/MasterCard local and foreign retail transactions subjected to the exclusions mentioned here;
  2. Insurance payments made on a recurring basis on selected credit or debit cards
  3. Total posted retail transactions by the selected credit card(s) principal and supplementary holder plus any spending on the selected debit card(s); and
  4. Transactions posted within a calendar

It is easy to track your progress via UOB TMRW app.

  • Simply tap on One Account › Details › Interest tracker
  • View current month activities to check eligible card spend, GIRO transactions and salary credited.

To enjoy One Account bonus interest, transactions need to be successfully charged AND posted on the Bank’s systems in order for system to have sufficient information to calculate and count the transaction as having fulfilled the minimum spend conditions to track for bonus interest eligibility.

The transaction date can be found in UOB TMRW app. This is the date which the transaction was made / charged. The post date will be displayed separately under the transaction date on UOB TMRW app. This is the date which UOB receives the settlement instruction for the transaction from merchant and posts the transaction to your card on the Bank’s systems.

To be eligible for bonus interest, the eligible card spend transaction needs to be successfully posted to your card on the Bank’s systems. For eligible card spend transactions posted in the calendar month subsequent to the calendar month in which they are charged, they will be included as eligible card spend transactions for that subsequent month.

Yes, this revision is applicable to all new and existing accountholders of a One Account with effect from 1 May 2025. You may refer to the notice here for the previous and new interest rates.

The bonus interest criteria for the One Account remains unchanged. Simply spend a minimum of S$500 on an eligible UOB Card, and credit a minimum salary of S$1,600 or make 3 GIRO transactions monthly.

The One Account features are revised to align with long-term interest rate environment expectations. 

In keeping the One Account rewarding for our customers, the existing qualifying criteria for bonus interest remains unchanged.

The One Account interest rate has been revised effective 1 May 2025. The effective interest rate for a monthly average balance (MAB) of S$150,000 has been lowered from 4.00% p.a. to 3.30% p.a. if you perform a minimum eligible card spend of S$500 and credit a minimum salary of S$1,600 for the month.

The interest received monthly is also dependent on the number of days in that month. Less interest will be earned in months with fewer days (i.e. February, April, June, September and November).

If you spend $500 on an eligible card and maintain $75,000 in your One Account every month

$75,000 x 0.65% p.a. = $487.50 interest amount a year

If you spend $500 on an eligible card, maintain S$100,000 in your One Account and make 3 GIRO debit transactions every month

[$75,000 x 1.50% p.a.] + [$25,000 x 2.50% p.a.] = $1,750 interest amount a year

If you spend $500 on an eligible card, maintain S$150,000 in your One Account and credit your salary of at least S$1,600 to your One Account every month

[$75,000 x 2.30% p.a.] + [$50,000 x 3.80% p.a.] + [$25,000 x 5.30%] = $4,950 interest amount a year

Full Terms and Conditions apply.

Ready to apply? Open and transact with your account instantly.

Ready to apply? Open and transact with your account instantly.

*Online Account Opening Exclusive: Get up to S$260 cash or a Harman Kardon Luna Speaker or S$60 cash when you open a UOB One Account Online.

Bundle up for even more benefits

Everyday

One Account with One Card

Skip to higher interest in just two steps

  • Up to 5.3% p.a. interest
  • Score up to 10% cashback on daily spends with UOB One Credit Card.
Everyday

Joint One Account

An easier way to manage finances with your family.

  • Monitor household expenses on one convenient platform to improve family saving habits
  • Reduce the hassle of transferring funds between separate accounts
Everyday

One Account with UOB FX+

Maximise your One Account with FX+, now with no FX fees!

  • Convert SGD from your One Account to JPY, USD (and more!) at rates comparable to Google’s
  • Spend worldwide without FX fees using the FX+ Debit Card
  • Complimentary travel insurance coverage, up to USD100k on medical expenses
  • Earn bonus interest on your UOB One Account with S$500 minimum spend

T&Cs apply.

Make banking simpler with these services

Get deeper insight into your interests

Get deeper insight into your interests

Say goodbye to manual tracking! UOB Insights will let you know how much bonus interest you’ve earned, and when it’s credited to your account.

Withdraw cash via your phone

Withdraw cash via your phone

With Contactless Cash Withdrawals, you can now travel light and withdraw cash with a quick tap on your phone.

Make payments simpler

Make payments simpler

Register for PayNow with your mobile number to send and receive money instantly. Use Scan to Pay at more than 25,000 merchant outlets, including hawkers and shops.

Better commutes with SimplyGo

Better commutes with SimplyGo

Say goodbye to multiple travel cards and top-ups! With SimplyGo, enjoy greater convenience when you use your contactless UOB Cards to pay for your train and bus rides.

Here's something else you may like

UOB Stash Account

Accumulate even more savings with up to 5.0% p.a. interest when you maintain or increase your Monthly Average Balance.

    UOB EVOL Card

    Upgrade your evolution with 10% on online, mobile contactless and overseas in-store FX spend with UOB EVOL Card, Southeast Asia’s first bio-sourced card.

      UOB Home Loan

      Secure your dream home with our wide range of competitive loan packages that are tailored for every budget. Plus, enjoy instant approval within minutes.

        SDIC

        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$100,000 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$100,000 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.

        We're here to help