With effect from 1 December 2025, please be informed that the interest rates for One Account will be revised. T&Cs apply. Find out more.
Get up to S$308 cash when you apply for an eligible UOB saving account online, deposit new funds, pay your bills, credit your salary and dividends with UOB. Find out more.
Skip to the good part with One Account
With just 2 simple steps, you can now earn up to S$2,850 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 to FX+ and convert SGD to popular currencies in advance on UOB TMRW, at rates as good as what you see online.
With UOB FX+ Debit Card,
• Spend worldwide at 0% FX fees – no cap, no minimum spend
• Enjoy extra travel perks like cashback on overseas ATM withdrawals
• Your spends count towards the S$500 minimum spend needed to unlock bonus interest on the One Account monthly
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.
The maximum annual interest for deposits of S$150,000 in the UOB One Account is S$2,850 and is calculated based on the maximum effective interest rate (EIR) of 1.90% 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 1.40% 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 1.90% 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
Here’s how your interest stacks up with UOB One Account
-
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 |
Monthly average balance is the summation of each day-end balance for each month divided by the number of calendar days for that month.
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 1.40% 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 1.90% 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.
One Account calculator
Subject to qualifying criteria. T&Cs apply.
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’sNEW, 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.

Promotion
UOB One Account Tax Saver Promotion
Get cash rebates when you pay your personal income tax via GIRO with UOB One Account.
Promotion ends 31 March 2026. No pre-registration required.
Subject to qualifying criteria. T&Cs apply. Insured up to S$100k by SDIC.
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$3,750 and is calculated based on the maximum effective interest rate (EIR) of 2.50% 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.
Promotion

UOB Leap of Fortune Savings Promotion
Leap into a year of good fortune. Get up to S$688 cash
when you save and transact with UOB. Plus, stand a chance to be one of 18 winners to win S$1,088 each in our Lunar New Year lucky draw.
Here’s how to participate and earn up to S$380
in cash:
Step 1: Register your participation here or via Rewards+ on UOB TMRW by 31 March 2026.
Step 2: Deposit a minimum of S$20,000 in new funds
into your UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Uniplus Account or UOB Passbook Savings account. The new funds deposited will be earmarked and cannot be withdrawn for approx. 7 months^.
That’s it! If you are eligible for the cash credit, you will also be auto-enrolled into our lucky draw where you could be one of 18 lucky winners to walk away with $1,088 cash each! The more you save, the more chances you earn to win.
Plus, stand a chance to win a magical three-night cruise vacation aboard Disney Adventure, Disney Cruise Line’s first ship to homeport in Singapore. Wealth Banking clients may win one of two Deluxe Oceanview Staterooms with Verandah, while Privilege Banking clients may win one of two Concierge Family Staterooms with Oceanview Verandah.
Don’t have a UOB savings account? Apply online now and receive up to an additional S$308 bonus cash reward.
Promotion ends 31 Mar 2026.
Subject to qualifying criteria. T&Cs apply.
^Refer to UOB Leap of Fortune Savings Promotion T&Cs for the Earmark End Date.

Online Account Opening Promotion
Be the first 88 eligible customers per promotion week to earn up to S$128 cash when you apply for an eligible UOB savings account online and deposit at least S$5,000 in new funds into your new account. ![]()
Plus, stack your rewards with up to additional S$180 cash when you pay your bills, credit your salary and dividends with UOB. ![]()
That's not all! New-to-UOB and New-to-UOB Deposits customers also enjoy 28% cashback* on selected merchants when you Scan to pay with UOB TMRW! Limited to the first 2,300 customers per calendar month. ![]()
*Capped at S$28 per customer.
Promotion is from 1 January to 31 March 2026. Cash rewards will be automatically credited.
Subject to qualifying criteria. T&Cs apply ![]()

Get up to S$180 cash when you save and transact with UOB
Stack your rewards when you pay your bills, credit your salary and dividends with UOB!
Here's how:
Step 1: Register your participation here or via Rewards+ on UOB TMRW from 1 January 2026 to 31 March 2026.
Step 2: Start stacking! Complete as many of the following actions to upsize your rewards:
Salary Credit | Get S$100 cash when you credit your monthly salary (min. S$1,600 or min. S$500 for National Serviceman) into your eligible UOB savings account via GIRO or PayNow.
Dividend Credit | Get S$50 cash when you credit your CDP dividends (min. S$50 per transaction) into your eligible UOB savings account via Direct Credit Service.
Bill Payment | Get S$30 cash when you perform a bill payment (min. S$30 per transaction) via GIRO from your eligible UOB savings account. Alternatively, you can also make payment for your UOB car and or UOB home loan instalments to qualify
Registration required.
Promotion is valid from 1 January 2026 to 31 March 2026. Subject to qualifying criteria. T&Cs apply.

Receive up to S$188 cash when you apply for One Account with FX+
For the first 30 online FX+ sign-ups per promotion week
: S$60 cash reward
Here’s how:
- Apply and link FX+ to your One Account here.
- Make at least 3 foreign currency spends on your new FX+ Debit Card by the end of the next calendar month.
Promo ends 31 March 2026. T&Cs apply.
New UOB customer? Earn a total of S$188 cash when you sign up for both One Account and FX+ here. T&Cs apply.

Scan and let your fortune grow
From 1 January 2026 to 31 March 2026, apply for an eligible UOB savings account online and deposit at least S$5,000 new funds to enjoy 28% cashback* on ComfortDelGro, NTUC, TADA and 7-Eleven transactions when you Scan to pay with UOB TMRW this Lunar New Year. ![]()
*Capped at S$28 per customer. Limited to the first 2,300 customers per calendar month. Promotion is valid for New-to-UOB and New-to-UOB Deposits customers. Registration is not required.
Subject to qualifying criteria. T&Cs apply. ![]()
Get up to S$688 cash credit comprising:
1) Up to S$380 cash credit
AND
2) either S$128 or S$68 or S$28 cash credit
AND
3) up to S$180 cash credit
1) UOB Leap of Fortune Savings Promotion is valid from 1 January to 31 March 2026 (“Promotion Period”). To qualify, you must: (a) be the primary holder of an Eligible Account (i.e. UOB Passbook Savings, Uniplus, One, Stash, or Lady’s Savings Account), (b) deposit a minimum of S$20,000 in new funds during the Promotion Period, (c) successfully submit the online participation form for this promotion, and (d) maintain the new funds without withdrawal for 7 months (“Earmark Period”). The new funds must result in a corresponding increase in your Eligible Account’s day-end balance throughout the Promotion Period and Earmark Period when compared against your Eligible Account’s Monthly Average Balance for December 2025. Participants who are eligible for the cash credit will be auto-enrolled into our lucky draw for 18 prizes of S$1,088. Wealth Banking and Privilege Banking clients will stand a chance to win a three-night Disney Cruise magical getaway. Full terms and conditions apply and can be accessed here.
And
2) UOB Online Account Opening Weekly Promotion (1 January to 31 March 2026)
Valid from 1 January to 31 March 2026 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely the period between 1 and 11 January 2026 and every calendar week between 12 January 2026 and 22 March 2026 and the period between 23 and 31 March 2026, (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. Additionally, 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 savings accounts as at 31 December 2025 and such increase must also be maintained till the end of the next calendar month following their new Account opening calendar month. Eligible new-to-UOB customers will be eligible to receive S$128 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s orders; (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.
Eligible UOB Account means for the period from 1 January 2026 to 31 March 2026 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.
Click here for full terms and conditions.
And
3) UOB SalaryPlus Promotion (1 January 2026 to 31 March 2026)
Participate in the UOB SalaryPlus Promotion (1 January to 31 March 2026) by successfully submitting an online participation form (available at the official UOB website) between 1 January and 31 March 2026, both dates inclusive, to receive the following cash rewards:
(i) S$100 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
(ii) 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; and
(iii) 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.
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 June 2025 to 31 December 2025.
Full terms and conditions apply and can be accessed here.
^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.
#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.
Online Account Opening Weekly Promotion Weeks
- 01 January – 11 January 2026
- 12 January – 18 January 2026
- 19 January – 25 January 2026
- 26 January – 01 February 2026
- 02 February – 08 February 2026
- 09 February – 15 February 2026
- 16 February – 22 February 2026
- 23 February – 01 March 2026
- 02 March – 08 March 2026
- 09 March – 15 March 2026
- 16 March – 22 March 2026
- 23 March – 31 March 2026
Eligible UOB savings account refers to UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
UOB Online Account Opening Weekly Promotion (1 January to 31 March 2026)
Valid from 1 January to 31 March 2026 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely the period between 1 and 11 January 2026 and every calendar week between 12 January 2026 and 22 March 2026 and the period between 23 and 31 March 2026, (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. Additionally, 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 savings accounts as at 31 December 2025 and such increase must also be maintained till the end of the next calendar month following their new Account opening calendar month. Eligible new-to-UOB customers will be eligible to receive S$128 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s orders; (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.
Eligible UOB Account means for the period from 1 January 2026 to 28 February 2026 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.
Click here for full terms and conditions.
| Reward | How to Qualify | ||||||||
| Online Account Opening Weekly Promotion 1 January to 31 March 2026
|
Here's how: Up to S$128 cash Step 1. Apply for an eligible UOB savings account online Step 2. Deposit at least S$5,000 in new funds into your new account and maintain this sum in your account until the next calendar month. Additional 28% cash rebate Step 3. Log in to the UOB TMRW app and Scan to Pay at participating merchants within the Qualifying Period as set out below:
This Scan to Pay Promotion is not applicable to existing UOB Deposits customers. |
||||||||
| SalaryPlus Promotion 1 January to 31 March 2026 Receive up to S$180 cash reward
|
Here's how: |
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 to 8 Sep
- 9 to 15 Sep
- 16 to 22 Sep
- 23 to 29 Sep
- 30 Sep to 6 Oct
- 7 to 13 Oct
- 14 to 20 Oct
- 21 to 27 Oct
- 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 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.
| New Funds Amount | Guaranteed Cash Credit Amount |
| S$20,000 | S$80 |
| S$50,000 | S$250 |
| S$100,000 | S$550 |
| S$150,000NEW! | S$1,000 |
| Reward | How to Qualify |
| Online Account Opening Weekly Promotion: 1 September to 31 October 2024 For the first 150 customers per promotion week:
Limited to the first 150 New Accountholders per promotion week who must not have held and/or closed the same bank account as the new Account applied for in your application from 1 September 2023 to the date of the Application, both dates inclusive. |
‘new funds’ refers to fresh funds brought in to UOB and which are not transferred or withdrawn from an existing UOB current/savings/fixed deposit account and deposited into your new eligible UOB savings account. |
Flash Deal Friday: 4 to 25 October 2024
Limited to New Accountholders who must not have held and/or closed the same bank account as the new Account applied for in your application from 1 October 2023 to the date of the Application, both dates inclusive. |
|
| Receive up to S$160 cash reward |
|
| New Funds Amount | Guaranteed Cash Credit Amount |
| S$20,000 | S$80 |
| S$50,000 | S$250 |
| S$100,000 | S$550 |
| S$150,000NEW! | S$1,000 |
Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" 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. New funds 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 December 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.
| New Funds Amount | Cash Credit Amount |
| S$20,000 | S$38 |
| S$50,000 | S$120 |
| S$100,000 | S$250 |
| S$150,000 | S$380 |

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.
Requirements 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
eStatementYou 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
All promotions subject to qualifying criteria. 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.
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.
UOB One Account FAQs
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
- 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
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 Dec 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 December 2025. The effective interest rate for a monthly average balance (MAB) of S$150,000 has been lowered from 2.50% p.a. to 1.90% 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 S$500 on an eligible card and maintain S$75,000 in your One Account every month
S$75,000 x 0.65% p.a. = S$487.50 interest amount a year
If you spend S$500 on an eligible card, maintain S$125,000 in your One Account and make 3 GIRO debit transactions every month
[S$75,000 x 1.00% p.a.] + [S$50,000 x 2.00% p.a.] = S$1,750 interest amount a year
If you spend S$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
[S$75,000 x 1.00% p.a.] + [S$50,000 x 2.50% p.a.] + [S$25,000 x 3.40% p.a.] = S$2,850 interest amount a year
Full Terms and Conditions apply.
Bundle up for even more benefits

Everyday
One Account with UOB FX+
Link your One Account to FX+ and convert SGD to popular currencies in advance on UOB TMRW, at rates as good as what you see online.
With UOB FX+ Debit Card,
- Spend worldwide at 0% FX fees – no cap, no minimum spend
- Enjoy extra travel perks like cashback on overseas ATM withdrawals
T&Cs apply.
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 1.40% 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 1.90% 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
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.
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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.
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.
UOB Scan to Pay Promotion (1 January to 31 March 2026)
successfully open a new UOB Account online; and
(ii) deposit min. S$5,000 of Fresh Funds into their new UOB Account within the same calendar month as their new UOB Account opening calendar month, and maintain a balance of at least S$5,000 in their new UOB Account till the end of the following calendar month; and
(iii) log in to the UOB TMRW App and perform NETS QR transaction(s) via Scan to Pay in-store at participating merchants (NTUC FairPrice, 7-Eleven, ComfortDelGro, TADA) within the Qualifying Spend Period (“Eligible Transaction(s)”) as set out below:
| Account Opening Month | Qualifying Spend Period |
| 1 – 31 January 2026 | 1 January – 28 February 2026 |
| 1 – 28 February 2026 | 1 February – 31 March 2026 |
| 1 – 31 March 2026 | 1 March – 30 April 2026 |
Click here for full terms and conditions.
| Account Opening Month | Qualifying Period |
| 1 – 31 January 2026 | 1 January – 28 February 2026 |
| 1 – 28 February 2026 | 1 February – 31 March 2026 |
| 1 – 31 March 2026 | 1 March – 30 April 2026 |
- Qualifying round 1: 8 March 2025 to 31 March 2025
- Qualifying round 2: 1 April 2025 to 30 April 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.
| New Funds Amount | Guaranteed Cash Credit Amount | New-to-UOB Deposits Bonus Cash Reward (with min. S$50,000 new funds amount) |
| S$20,000 | S$100 | N/A |
| S$50,000 | S$300 | S$120 Nation of Savers Bonus Cash Reward + Up to S$240 Online Account Opening Cash Reward |
| S$100,000 | S$700 | |
| S$150,000 | S$1,100 |
Get up to S$1,460 cash credit comprising of:
1) S$1,220 cash credit
AND
2) up to S$80 cash credit
AND
3) up to S$160 cash credit
1) UOB Nation of Savers Promotion (“Promotion”) is valid from 1 July 2024 to 30 September
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. 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.
AND
2) 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 Promotion Week, namely from 1 to 8 September and every calendar week from 9 September to 31 October
2024, (i) who submits an online account opening application (“Online Account Opening Application”) during
a Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s
Savings Account or UOB One Account (“New Account”), and (ii) whose Online Account Opening Application is
successfully approved during the Promotion Period, and (iii) who deposits min. S$5,000 of Fresh Funds into
the New Account within the same calendar month in which the New Account is opened, 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 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 UOB accountholder customers will be eligible to receive S$60 cash credit, and eligible
existing UOB accountholder 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 Account at any time during the Promotion Period. T&Cs apply. Click here
for full terms and conditions.
AND
3) Participate in the UOB SalaryPlus Promotion (1 July 2024 to 30 September 2024) by successfully
submitting an online participation form (available at the official UOB website) between 1 July 2024 to
30 September 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, 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.
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.
Get Up to S$240 cash credit comprising:
1) Either S$80 or S$60 or S$30 cash credit
AND
2) up to S$160 cash credit
1) UOB Online Account Opening Weekly Promotion (1 November to 31 December 2024)
Valid from 1 November 2024 to 31 December 2024 (“Promotion Period”). Limited to the first 100
customers of each Promotion Week, namely from 1 to 10 November 2024 and every calendar week from 11
November to 31 December 2024, (i) who submit an online account opening application during a 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 their new UOB account within the same calendar month as their 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 their other UOB current accounts and/or savings accounts as at 31 October 2024
and such increase must be maintained till the end of the following calendar month. 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 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 UOB account at any time during
the Promotion Period. T&Cs apply. 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 – 5 Oct 25
- 6 – 12 Oct 25
- 13 – 19 Oct 25
- 20 – 26 Oct 25
- 27 Oct – 2 Nov 25
- 3 – 9 Nov 25
- 10 – 16 Nov 25
- 17 – 23 Nov 25
- 24 – 30 Nov 25
- 1 – 7 Dec 25
- 8 – 14 Dec 25
- 15 – 21 Dec 25
- 22 – 31 Dec 25
| Reward | How to Qualify |
| Online Account Opening Weekly
Promotion: 1 November to 31 December 2024 For the first 100 customers per promotion week:
Limited to the first 100
customers per promotion week who must not have (i) held and/or terminated any UOB
products (New-to-UOB customers) or (ii) held and/or closed any UOB current account
or savings account (New-to-UOB Deposits customers) or (iii) held and/or closed the
same account type as the new Account applied for in your Application (Existing UOB
Deposits customers) from 1 November 2023 to the date of your Application, both dates
inclusive. |
‘new funds’ refers to funds in the form of non-UOB cheques or non-UOB cashier’s order; which are not transferred from an existing UOB current/savings/fixed deposit account; and which are not withdrawn from such existing account and re-deposited into your new Eligible UOB savings account at any time during the Promotion Period. |
| Receive up to S$160 cash reward |
|
UOB FX+ Debit Card Weekly Promotion (4 November to 29 December 2024)
Limited to the first 50 customers of each promotion week, namely every calendar week from 4 November to 29 December 2024, (i) who submit an online application for a new FX+ account linked to either your One Account, Wealth Premium Account, Privilege Account or iAccount, and (ii) whose application is approved by 31 December 2024. T&Cs apply. Click here for full terms and conditions.
UOB SalaryPlus Promotion (1 January to 31 March 2026)
Eligible UOB savings accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash® Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
Applicable to non-joint accounts only.
FX+ can be linked to One Account, Privilege Account, Wealth Premium Account or iAccount
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.
Selected China SQ destinations only. Beijing and Shanghai would require a top-up of additional KrisFlyer miles.
An automatic SMS response will be sent to you acknowledging receipt of your SMS registration. This automatic response does not constitute successful participation in the Promotion.
Promotion dates:
(a) 11 April 2025
(b) 18 April 2025
(c) 25 April 2025
(d) 2 May 2025
(e) 9 May 2025
(f) 16 May 2025
(g) 23 May 2025
(h) 30 May 2025
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 EVOL Card, Lazada-UOB Card, UOB One Debit Visa Card, UOB One Debit Mastercard, UOB Lady’s Debit Card and UOB FX+ Debit Card.
See here for full list of retail transactions.
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 EVOL Card) 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.
Promotion dates:
- 6 June 2025
- 13 June 2025
- 20 June 2025
- 27 June 2025
Limited to the first 100 eligible customers per promotion date who must not have (i) held and/or terminated any UOB products (New-to-UOB customers) or (ii) held and/or closed any UOB current account or savings account (New-to-UOB Deposits customers) or (iii) held and/or closed the same account type as the new eligible UOB savings account applied for in this promotion (Existing UOB Deposits customers), in each case, from 1 June 2024 to the date of application for the new eligible UOB savings account, both dates inclusive.
Applicable to single-name accounts only.
UOB One Debit Card
Enjoy up to 4% cashback on Grab transactions (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo transactions (bus and train rides), McDonald’s transactions and 1% cashback on GOMO recurring transactions, Singapore Power utilities bill (excluding payments via AXS), Singtel recurring transactions, and Mobile Pay transactions such as Apple Pay, Google Pay and Samsung Pay. A minimum spend of S$300 per calendar month is required. Cashback is capped at S$30 per calendar month across all eligible transactions. Please click here for the full terms and conditions.
| Reward | How to Qualify |
| Online Account Opening Weekly Promotion 1 July 2025 to 30 September 2025
|
Be the first 80 eligible customers per promotion week.
*UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Uniplus Account, KrisFlyer UOB Account. |
| SalaryPlus Promotion: Receive up to S$160 cash reward
|
Eligible UOB savings account: UOB Passbook Savings Account, UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Uniplus Account, KrisFlyer UOB Account. |
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 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
Up to S$160 cash credit for customers who 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.
Bill payment via GIRO must be reflected with the transaction description “GIRO-Inward Debit” to be eligible. 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.
UOB SalaryPlus Promotion (1 January 2026 to 31 March 2026)
Participate in the UOB SalaryPlus Promotion (1 January to 31 March 2026) by successfully submitting an online participation form (available at the official UOB website) between 1 January and 31 March 2026, both dates inclusive, to receive the following cash rewards:
(i) S$100 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
(ii) 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; and
(iii) 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.
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 June 2025 to 31 December 2025.
Full terms and conditions apply and can be accessed here.
^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.
#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.
Eligible UOB savings accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash® Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
UOB Scan to Pay Promotion (1 January to 31 March 2026)
Valid from 1 January to 31 March 2026 (“Scan to Pay Promotion Period”). Limited to the first 2,300 customers per calendar month during the Scan
to Pay Promotion Period who:
(i) successfully open a new UOB Account; and
(iii)deposit min. S$5,000 of Fresh Funds into their new UOB Account within the same calendar month as their new UOB Account opening calendar
month, and maintain a balance of at least S$5,000 in their new UOB Account till the end of the following calendar month; and
(ii) log in to the UOB TMRW App and perform NETS QR transaction(s) via Scan to Pay in-store at participating merchants (NTUC FairPrice, 7-Eleven, ComfortDelGro, TADA) within the Qualifying Spend Period (“Eligible Transaction(s)”) as set out below:
| Account Opening Month | Qualifying Spend Period |
| 1 – 31 January 2026 | 1 January – 28 February 2026 |
| 1 – 28 February 2026 | 1 February – 31 March 2026 |
| 1 – 31 March 2026 | 1 March – 30 April 2026 |
Eligible customers will receive 28% cash rebate on all Eligible Transactions, capped at S$28 per customer. This Scan to Pay Promotion is not applicable to Existing Accountholders.
Click here for full terms and conditions.
Get Up to S$308 cash credit comprising:
1) Either S$128 or S$68 or S$28 cash credit
AND
2) up to S$180 cash credit
UOB Online Account Opening Weekly Promotion (1 January to 31 March 2026)
Valid from 1 January to 31 March 2026 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely the period between 1 and 11 January 2026 and every calendar week between 12 January 2026 and 22 March 2026 and the period between 23 and 31 March 2026, (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. Additionally, 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 savings accounts as at 31 December 2025 and such increase must also be maintained till the end of the next calendar month following their new Account opening calendar month. Eligible new-to-UOB customers will be eligible to receive S$128 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s orders; (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.
Eligible UOB Account means for the period from 1 January 2026 to 28 February 2026 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.
Click here for full terms and conditions.
2) UOB SalaryPlus Promotion (1 January 2026 to 31 March 2026)
Participate in the UOB SalaryPlus Promotion (1 January to 31 March 2026) by successfully submitting an online participation form (available at the official UOB website) between 1 January and 31 March 2026, both dates inclusive, to receive the following cash rewards:
(i) S$100 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
(ii) 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; and
(iii) 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.
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 June 2025 to 31 December 2025.
Full terms and conditions apply and can be accessed here.
^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.
#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.
Get up to S$688 cash credit comprising:
1) Up to S$380 cash credit
AND
2) either S$128 or S$68 or S$28 cash credit
AND
3) up to S$180 cash credit
1) UOB Leap of Fortune Savings Promotion is valid from 1 January to 31 March 2026 (“Promotion Period”). To qualify, you must: (a) be the primary holder of an Eligible Account (i.e. UOB Passbook Savings, Uniplus, One, Stash, or Lady’s Savings Account), (b) deposit a minimum of S$20,000 in new funds during the Promotion Period, (c) successfully submit the online participation form for this promotion, and (d) maintain the new funds without withdrawal for 7 months (“Earmark Period”). The new funds must result in a corresponding increase in your Eligible Account’s day-end balance throughout the Promotion Period and Earmark Period when compared against your Eligible Account’s Monthly Average Balance for December 2025. Participants who are eligible for the cash credit will be auto-enrolled into our lucky draw for 18 prizes of S$1,088. Wealth Banking and Privilege Banking clients will stand a chance to win a three-night Disney Cruise magical getaway. Full terms and conditions apply and can be accessed here.
And
2) UOB Online Account Opening Weekly Promotion (1 January to 31 March 2026)
Valid from 1 January to 31 March 2026 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely the period between 1 and 11 January 2026 and every calendar week between 12 January 2026 and 22 March 2026 and the period between 23 and 31 March 2026, (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. Additionally, 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 savings accounts as at 31 December 2025 and such increase must also be maintained till the end of the next calendar month following their new Account opening calendar month. Eligible new-to-UOB customers will be eligible to receive S$128 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s orders; (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.
Eligible UOB Account means for the period from 1 January 2026 to 31 March 2026 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.
Click here for full terms and conditions.
And
3) UOB SalaryPlus Promotion (1 January 2026 to 31 March 2026)
Participate in the UOB SalaryPlus Promotion (1 January to 31 March 2026) by successfully submitting an online participation form (available at the official UOB website) between 1 January and 31 March 2026, both dates inclusive, to receive the following cash rewards:
(i) S$100 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
(ii) 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; and
(iii) 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.
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 June 2025 to 31 December 2025.
Full terms and conditions apply and can be accessed here.
^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.
#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.
Insured up to S$100k by SDIC.
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