Get up to S$198 cash when you apply for an eligible UOB savings account online, deposit new funds, pay your bills and credit your salary and dividends! Find out how.
Receive an Apple AirTag when you apply for Mighty FX online from now till 31 March 2024. T&Cs apply.

Earn higher interest on your savings with One Account – up to 7.8% p.a. in just two steps

No matter who you are or what you do, we want to make it easy for you to maximise your money and reach your goals. With the UOB One Account, you can earn up to 7.8% p.a. interest in just two steps. That’s how simple it is!
Maximise your savings in just two steps

Maximise your savings in just two steps

Get up to 7.8% p.a. interest when you spend min. S$500 on an eligible UOB card and credit your salary of min. S$1,600 or make 3 GIRO payments monthly.

We make it so easy

We make it so easy

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

Don’t miss out on interest

Don’t miss out on interest

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

Greater perks

Greater perks

Your UOB One Account comes with a UOB One Debit Card which you can use to get up to 10% cashback on diningENHANCED, online shopping, groceries, transport, and more.

Get FX ready

Get FX ready

Bundle your One Account with Mighty FX multi-currency account. Convert currencies and be prepared to travel, shop and invest.

Managing your expenses is easier than ever with UOB Insights

Managing your expenses is easier than ever with UOB Insights

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

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

Two simple steps to earn up to 7.8% p.a. interest

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

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

+

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

or

b) Make 3 GIRO debit transactions per month

One Account calculator

Total Card Spend
a) Salary Credit Amount
OR
b) No. of GIRO transactions
Account Balance
By saving more, you can enjoy up to 7.8% p.a. interest
You will earn an annual interest of S$750.00 and annual cash rebate of S$200, which adds up to a total of
S$
8 9 8 5 8 0
Enjoy up to 10% cashback on your daily spend at McDonald’s, DFI Retail Group, Grab, Shopee Singapore, SimplyGo (bus and train rides), UOB Travel spend and 4.33% cashback on Singapore Power utilities bill! Plus, up to 3.33% cashback on all retail spend! Enter your monthly spend below to find out how much cashback you can earn!
SimplyGo McDonald's
Up to 10% cashback on McDonald's and McDelivery®.
S$
SimplyGo Daily commute with SimplyGo
Up to 10% cashback on bus, mrt.
S$
transport Grab
Up to 10% cashback on GrabRide & GrabFood (exclude top-ups).
S$
dining Dining
Up to 50% off with UOB Dining Privileges.
S$
petrol Petrol
Fuel savings of up to 21.15% at Shell and 22.66% at SPC.
S$
travel UOB Travel
Up to 10% cashback on UOB Travel (excludes online, flight only bookings and relevant taxes).
S$
groceries Groceries at DFI Retail Group
Up to 10% cashback at Cold Storage, CS Fresh, Giant, 7-Eleven, Guardian, Market Place, Jasons.
S$
Online Spend at Shopee Singapore Online Spend at Shopee Singapore
Up to 10% cashback on your online shopping.
S$
Utilities Bills Singapore Power
Up to 4.33% cashback on Singapore Power utilities bill.
S$
bill-payment Recurring Bill Payment
Enjoy convenience and cashback with recurring bill payments (exclusions apply). Click here for form.
S$
other-spend Other Spend
Enjoy cashback with overseas spend, and supplementary card spend.
S$
total-spend Total Monthly Spend:
S$0
cash-rebate Total Cash Rebate:
with your UOB One Card in a year
S$0

Never miss out on earning higher interest with the UOB TMRW app

Instant Online Account Opening

Instant Online Account Opening

Wave goodbye to long waiting hours at the bank! Open an account online via UOB TMRW and get approval within minutes , then start transacting instantly at the comfort of your home.

Login to UOB TMRW. Select Services > Deposit accounts

Interest Tracker

Interest Tracker

Easily track your progress towards earning bonus interest every month on the UOB TMRW app. Simply tap on Accounts > One Account > Details

Monitor the activities required to unlock the next tier of bonus interest by clicking on View activities

UOB Insights

UOB Insights

Receive personalised reminders based on your saving habits so that you never miss out on topping up your UOB One Account balance to unlock the next tier of bonus interest

Power Duo

Add some Pow-Wow to your savings!

Meet the Power Duo that gives you up to S$8,000 p.a. interest

1. On your first S$100,000 savings with UOB One Account: Get up to S$5,000 in interest a year in just 2 steps

2. On your next S$100,000 savings with UOB Stash Account: Get up to S$3,000 in interest a year when you maintain or increase your balances

Promotion

Get up to S$198 cash when you save with UOB

Get more out of your savings with UOB! Receive up to S$68 cash when you apply for an eligible UOB savings account online from 1 January to 31 March 2024 and bring in at least S$5,000 in new funds to deposit with us. Plus, receive up to additional S$130 cash when you pay your bills and credit your salary and dividends with UOB.

T&Cs apply.

 

Things you should know

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

You can open a savings account online, get approval within minutes and start transacting instantly (where applicable).

 

How to apply:

1.Retrieve with Myinfo using Singpass login – applicable to new to UOB customers, existing to UOB customers and joint applicants

2.Personal Internet Banking login details – applicable to existing to UOB customers

3.Credit/Debit card number and PIN – applicable to existing to UOB customers applying for single-named account application

 

For Foreigners and U.S Persons

Please proceed to any UOB Branch for application. You will require:

  • Passport
  • Proof of Residential Address
  • Employment Pass/S Pass/Dependent Pass

Important information on the use of UOB Accounts and Services

Terms & Conditions

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$75,000 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$75,000 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.

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

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

*Online Account Opening Exclusive: Get up to S$198 cash when you open a UOB One Account online.

You may also open your account on UOB TMRW or visit one of our branches today.

    Bundle up for even more benefits

    Everyday

    One Account with One Card

    Skip to the good part in just two steps

    • Up to 7.8% p.a. interest
    • Score up to 15% cashback on daily spends with UOB One Credit Card.
    Everyday

    Joint One Account

    An easier way to manage finances with your family.

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

    One Account with Mighty FX

    Get FX ready to travel, shop and invest!

    • 24/7 access to 10 major foreign currencies at competitive rates
    • No monthly spend limits and no admin fee with your Mighty FX Debit Card
    • Earn interest on SGD, USD, AUD, NZD and CNH accounts

    Make banking simpler with these services

    Get deeper insight into your interests

    Get deeper insight into your interests

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

    Withdraw cash via your phone

    Withdraw cash via your phone

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

    Make payments simpler

    Make payments simpler

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

    Better commutes with SimplyGo

    Better commutes with SimplyGo

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

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