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$100,000 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 3.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. 

The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% 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.

Valid for new-to-UOB Debit Cardmembers

Up to 10% cashback is applicable for selected merchants:

• McDonald’s^NEW
• DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Jasons, Jasons Deli)
• Grab (excludes Grab mobile top-ups)
• Shopee Singapore (excludes ShopeePay)
• SimplyGo (bus and train rides)

Promotion is valid for transactions made from 1 July – 31 December 2023, both dates inclusive. A min. monthly spend of S$500 on your UOB One Debit Card is required. Capped at S$20 cashback per month (across McDonald’s^NEW, DFI Retail Group, Grab, Shopee Singapore & SimplyGo). This Promotion is only open to individuals who are not existing holders of any UOB One Debit Card issued by United Overseas Bank Limited in Singapore. Click here for full terms and conditions

From 1 January 2024, existing customers will continue to enjoy 3% cashback on McDonald’s^NEW, 3% cashback on DFI Retail Group (“DFI") transactions (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Jasons and Jasons Deli), 3% cashback on Shopee Singapore transactions (excludes ShopeePay), 3% on SimplyGo (bus and train rides) & 1% cashback on Grab transactions (excludes Grab mobile wallet top-ups) with a minimum monthly spend of S$500. Cashback is capped at S$20 per calendar month across McDonald’s^NEW, DFI Retail Group, Grab, Shopee Singapore & SimplyGo transactions. Click here for UOB One Debit Cards Cashback Programme Terms and Conditions.

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$100,000 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.

The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% 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.

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 3.00% p.a. for deposits of S$75,000, 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 5.00% p.a. for deposits of S$100,000, 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.

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, UOB One Debit Visa Card, UOB One Debit Mastercard, UOB Lady’s Debit Card and UOB Mighty FX Debit Card.

See here for full list of retail transactions.

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.

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 are

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

To credit your salary credit to the UOB One Account, you will need to notify your HR department on your new account number.
If applicable, you can use the template we have developed for you to send it to your HR department. Email your HR to make the switch now!

See here for transactions excluded from Salary credit transactions.

You need to make a min. of 3 GIRO debit transactions payable to any Billing Organisations with the bank. Eligible transactions must be posted within the calendar month.

GIRO transactions are dependent on Billing Organisations and deduction dates are determined by the Billing Organisations. For payments that are due at month end or beginning of the month, there is a risk that the deduction will flow to next month or be brought forward.

To facilitate your GIRO instructions, you can follow one of the steps below:

• Sign up/in via UOB Personal Internet Banking and go to “Apply for” and choose “GIRO Arrangement”. You will be able to apply directly with the following Billing Organisations online:
  Geneco Seraya Energy
  • HDB
  • IRAS
  • PacificLight Energy Pte Ltd
  • UOB Credit Card Centre
  

  Note that GIRO arrangement for Mortgage loans and Car loans do not count towards the eligible GIRO transactions for bonus interest.
  
  

• For Billing Organisations that are not found in UOB Personal Internet Banking and require dedicated GIRO forms, please download the forms here:
  • Prudential
  • Singtel
  • M1
  • Starhub
  • SP Services
  
  
• For Billing Organisations that accept a GIRO form from UOB, you can download it here.

See here for transactions excluded from GIRO debit transactions

Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$100,000 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 3.00% p.a. for deposits of S$75,000, 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 5.00% p.a. for deposits of S$100,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

Enjoy up to 3.33% cashback based on a retail spend of S$2,000, S$1,000 or $$500 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cashback of S$200, S$100 or S$50 respectively. Please note that exclusions apply. Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded $200 quarterly cashback will get an additional 6.67% cashback on the total McDonald’s^NEW, DFI Retail Group such as Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo (bus and train rides) and UOB Travel (excludes online and flight only bookings) and additional 1.67% cashback on Shell transactions successfully charged and posted to the Card Account in each statement month. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional cashback will be capped at S$100 per month. Please refer to the full set of Terms and Conditions.

Enjoy up to 5% cash rebate based on a retail spend of S$2,000 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cash rebate of S$300. Enjoy up to 3.33% cash rebate based on a retail spend of S$1,000 or S$500 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cash rebate of S$100 or S$50 respectively. Cardmembers who have been awarded the quarterly cash rebate will get an additional 5% rebate on the total Dairy Farm Singapore such as Cold Storage, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore (excludes Shopee Pay) and UOB Travel (excludes online and flight only bookings) transactions successfully charged and posted to the Card Account in each statement month. Cardmembers who have been awarded the quarterly cash rebate will get an additional 1% rebate on the Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional rebates will be capped at S$100 per month. Visit uob.com.sg/one for full terms and conditions.

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

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

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.

Eligible UOB savings account: UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Uniplus Account and KrisFlyer UOB Account.

New-to-UOB Deposit means that you are not an existing holder of a UOB current account or savings account at the time of submitting your new account application and you must not have held and/or closed any UOB current account or savings account from 1 October 2022 to the date of the application, both dates inclusive.

'new funds' refers to incremental Fresh Funds brought in to UOB (not transferred from an existing UOB current/savings account) and deposited in a UOB savings account.

“eligible UOB savings account” means a UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Passbook Savings Account and UOB Uniplus Account.

Credited salary reflected with the transaction description "GIRO-SALA" or "PAYNOW SALA" is considered valid.

Credited CDP reflected with the transaction description “CDP Dividend” is considered valid. 

“new funds” means incremental (measured against your eligible UOB savings account’s day-end balance as of 30 September 2023) fresh funds brought in to your eligible UOB savings account (i.e. not transferred from an existing UOB current/savings account).

UOB Christmas Savings Promotion (“Promotion”) is valid from 1 October 2023 to 30 December 2023, 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 win a pair of Economy Class return air ticket from Singapore to Switzerland, Apple iPhone 15 or Dyson Supersonic^TM hairdryer. 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.

Click here for Full Terms and Conditions governing UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023).

This is based on first S$100,000 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$3,000 and is calculated based on the maximum effective interest rate (EIR) of 3% 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$100,000 in the UOB One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month. Terms and conditions apply.

Get up to S$220 cash credit comprising of:

1a) EITHER S$60 cash credit OR 1b) S$30 cash credit; and

2) S$30 cash credit; and

3) up to S$130 cash credit

EITHER

UOB Online Account Opening Weekly Friday Promotion (17 November 2023 to 22 December 2023):

1a) S$60 cash credit is only for the first 100 New-to-UOB Deposits Customers on each Tactical Promotion Date, namely 17 November 2023, 24 November 2023, 1 December 2023, 8 December 2023, 15 December 2023 and 22 December 2023, (i) who submit an online account opening application on a Tactical Promotion Date for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account, (ii) whose application is successfully approved by 30 December 2023, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account during the account opening month which their new UOB account opening month falls within, and (iv) hold the deposited fresh funds till the end of the following calendar month. Click here for full terms and conditions governing UOB Online Account Opening Weekly Friday Promotion (17 November 2023 to 22 December 2023).

OR

UOB Online Account Opening Promotion (1 October 2023 to 30 December 2023):

1b) S$30 cash credit is only for the first 200 customers per calendar month (i) who submit an online account opening application between 1 October 2023 to 30 December 2023 (both dates inclusive) for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account, (ii) whose application is successfully approved by 30 December 2023, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account during the calendar month which their new UOB account opening month falls within, and (iii) hold the deposited Fresh Funds in their new UOB account till the end of the following calendar month. For Existing-to-UOB Deposit customers, the Fresh Funds deposited into the new UOB 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 their other UOB current accounts and/or savings accounts month-end balance before their new UOB account opening month. Click here for full terms and conditions governing UOB Online Account Opening Promotion (1 October 2023 to 30 December 2023).

For the avoidance of doubt:

• “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 or other UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing or other UOB current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account.

• If you are amongst the first 100 New-to-UOB Deposits Customers on each Tactical Promotion Date to satisfy all of the requirements for the above S$60 cash credit promotion, you are only eligible to receive one (1) S$60 cash credit. You will not be entitled to receive the S$30 cash credit under the above S$30 cash credit promotion and any additional quantities of the S$60 cash credit under the above S$60 cash credit promotion, regardless of the number of new UOB accounts opened under the above promotions.

• If you are neither a New-to-UOB Deposit Customer nor among the first 100 New-to-UOB Deposits Customers on each Tactical Promotion Date to satisfy all of the requirements for the above S$60 cash credit promotion, you may be entitled to receive the S$30 cash credit under the above S$30 cash credit promotion if you are among the first 200 eligible participants in each calendar month to satisfy all requirements under the above S$30 cash credit promotion.

AND

UOB Mighty FX Weekly Friday Promotion (17 November 2023 to 22 December 2023):

2) S$30 cash credit is only for the first 100 New-to-UOB Deposits Customers on each Promotion Date, namely 17 November 2023, 24 November 2023, 1 December 2023, 8 December 2023, 15 December 2023 and 22 December 2023, (i) who submits an online application on a Promotion Date for a new MightyFX account while applying for a new UOB One Account or KrisFlyer UOB Account on the same Promotion Date, (ii) link the Mighty FX account to the new UOB One Account or KrisFlyer UOB Account, and (iii) whose application is successfully approved by 30 December 2023. Click here full terms and conditions governing UOB Mighty FX Weekly Friday Promotion (17 November 2023 to 22 December 2023).

AND

UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023):

3) S$130 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB Singapore website to participate in the UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023):

a) S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of at least S$30 per transaction from an eligible UOB Account via GIRO (with the transaction description “GIRO-Inward Debit”) within the next two calendar months from the date of submission of the online participation form.

b) S$50 Salary Cash Reward for customers who successfully credit monthly salary of at least S$1,600 into an eligible UOB Account via GIRO or PayNow (with the transaction description“GIRO-SALA” or “PAYNOW SALA” respectively) within the next two calendar months from the date of submission of the online participation form. Full-time National Serviceman (NSF) customers must successfully credit a monthly salary or allowance of at least S$500.

c) S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (at least S$50) into an eligible UOB Account via Direct Credit Service within the next six calendar months from the date of submission of the online participation form (with the transaction description “CDP Dividend”).

Click here for full terms and conditions governing the UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023).

SGD deposits are insured up to S$75k by SDIC.

Enjoy the following benefits:

• Public Conveyance Personal Accident coverage of up to S$300,000
• Emergency Medical Assistance, Evacuation & Repatriation of up to S$50,000 due to an accident or illness.
• Medical Expenses due to accident and illness of up to S$2,000
• Luggage Delay of up to S$200 for each full 6 hours while overseas
• Travel Delay of up to S$200 for each full 6 hours while overseas

The specific details applicable to this insurance are set out in the Insurance Certificate and Agreement which is the operative document. Terms, conditions and exclusions apply. Please seek advice from a qualified advisor if in doubt.

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.

Up to S$120 cash credit comprising of EITHER 1a) S$70 cash credit, OR 1b) S$30 cash credit and 2) S$50 cash credit

• 1a) S$70 cash credit is only for the first 200 New to UOB Deposits customers per calendar month who:

  • Successfully open a UOB Lady's Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account and/or UOB One Account online between 1 November 2022 to 31 December 2022; and
  • Deposit at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.
  
  OR
   

• 1b) S$30 Cash Credit is only for the first 200 existing to UOB Deposits customers per calendar month who:

  • Successfully open a UOB Lady's Savings Account, UOB Uniplus Account, UOB Stash Account, UOB KrisFlyer Account, or UOB One Account online between 1 November 2022 to 31 December 2022;
  • Deposit at least S$5,000 of fresh funds into their new UOB account within the account opening month and hold it till the end of the following calendar month; and
  • Fresh funds deposited into the new UOB 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 other UOB current accounts and/or savings accounts of the customer as at 31 October 2022.

  Click here for full terms and conditions.

  
  And
   

• 2) S$50 cash credit is available under the UOB Salary Credit Campaign (1 March 2022 to 31 December 2022) for customers who have:

  • Successfully submitted an online participation form here; and
  • Successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account via GIRO within two calendar months from the date of submission of the participation form.
  
  

  Click here for the Terms and Conditions governing UOB Salary Credit Campaign (1 March 2022 to 31 December 2022).

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 3.00% p.a. for deposits of S$75,000, 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 5.00% p.a. for deposits of S$100,000, 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.

Up to 15% cashback: Valid for New-to-UOB Credit Cardmembers
Cardmembers who successfully apply between 1 July 2023 to 31 December 2023. Cardmembers who have been awarded the $50 or $100 quarterly and 5% additional partner cashback will get an additional promotional 6.67% cashback. Cardmembers who have been awarded $200 quarterly and additional 6.67% cashback will get an additional promotional 5% cashback on the total McDonald’s^NEW, DFI Retail Group such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo (bus and train rides)^NEW and UOB Travel (excludes online and flight only bookings) transactions successfully charged and posted to the Card Account in each statement month. Additional promotional cashback will be capped at S$100 per month. Click here for full terms and conditions.

Up to 10% cashback: Valid for Existing-to-UOB Credit Cardmembers
Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded $200 quarterly cashback will get an additional 6.67% cashback on the total McDonald’s^NEW, DFI Retail Group such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo^NEW (bus and train rides) and UOB Travel (excludes online and flight only bookings) and additional 1.67% cashback on Shell transactions successfully charged and posted to the Card Account in each statement month. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional cashback will be capped at S$100 per month.

• The operating mandate will be Joint-OR (either party to sign). Both account holders can access the funds in the account.
• Each customer can only hold 1 One Account as Primary Account Holder. Customer who initiated the application will be defaulted as the Primary Account Holder.
• To earn bonus interest, the Primary Account Holder must spend a min of S$500 on his/her eligible card. Spend charged to the card of the secondary account holder will not be considered as eligible card spend to earn bonus interest.
• Transactions made by the Secondary Account Holder will also affect the monthly average balance.
• All promotions are applicable for the Primary Account Holders only unless otherwise stated.

Note: Customer can choose to apply for a joint account in the application by providing the joint applicant details. An email will be generated to the joint applicant to inform him/her that he/she has been nominated by the main applicant. The joint applicant would be required to complete the application within 7 working days.

Who is a Primary Account Holder?

The Primary Account Holder will be the main applicant when the application is submitted. It will be displayed as the first name under the Account Holder’s Name.

For illustration purposes only:
Account Holder’s Name: Ms Wendy Tan &/or Ms Alice Tan
Primary Account Holder: Ms Wendy Tan
Secondary Account Holder: Ms Alice Tan

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