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.

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


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
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.
Here’s how your bonus interest on your savings add up
-
Account Monthly Average Balance (MAB)
Account Monthly Average Balance (MAB) |
First S$75,000 |
Next S$50,000 |
Next S$25,000 |
Above S$150,000 |
One Account calculator

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 The new funds deposited will be set aside for approximately 5 months and cannot be withdrawn during this period.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
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
Age
18 years old and aboveFall-below Fee
S$5 if monthly average balance is less than S$1,000Waived for first 6 months for accounts opened online
Early Account Closure Fee
S$30Within 6 months from opening
Min. Initial Deposit
S$1,000Cheque Book
S$10 per cheque book (50 leaves)Issued upon request
Statement Type
eStatementActions or documents required
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 notice
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?
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
What are considered eligible card spend transactions that will earn bonus interest on One Account?
Eligible card spend transactions include the following
- Eligible Visa/MasterCard local and foreign retail transactions subjected to the exclusions mentioned here;
- 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
How do I avoid missing out on earning bonus interest?
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.
What is the difference between the posting date and transaction date of my card spend transactions? How does this affect my bonus interest?
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.
Is the One Account interest rates revision (effective 1 May 2025) applicable to existing accountholders?
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.
Are there any changes to the One Account bonus interest criteria?
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.
Why is UOB revising the interest rate on the One Account?
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.
I received around $500 in interest per month for a One Account balance of $150,000 in April 2025, why is the interest I receive monthly now lower?
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).
What is the amount of interest I will receive based on my fulfilment of the different bonus interest criteria for the One Account?
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.
Bundle up for even more benefits

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

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
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.
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.