Get up to S$118 cash credit when you open a UOB savings account online and sign up for salary crediting.

The highest interest rate ever on your savings with One Account – now up to 7.8% p.a. interest

Whether you’re just starting out, striking out on your own, or taking your career further, we want to make it easy for you to maximise your savings and help you achieve your financial goals. With the UOB One Account, you can now earn higher interest of up to 7.8% p.a. with just 2 simple steps!
Two simple steps to maximise interest on your savings

Two simple steps to maximise interest on your savings

Spend min. S$500 on an eligible UOB card to earn 0.65% p.a. from your first dollar. Plus, make 3 GIRO payments to get up to 4.0% p.a. interest rate or credit your salary to get up to 7.8% p.a. interest rate.



Choose between salary credit or GIRO. Plus, earn higher interest on your savings with our lowered salary crediting criteria of S$1,600.



Easily track your transactions for bonus interest with the Bonus Interest Tracker in the UOB TMRW app and Personal Internet Banking.

Greater perks

Greater perks

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

Announcement: With effect from 1 December 2022, salary credit transactions made via PayNow reflected as “PAYNOW SALA” will be considered eligible for bonus interest on UOB One Account. Please click here for more details.

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


b) Make 3 GIRO debit transactions per month

One Account calculator

Total Card Spend
a) Salary Credit Amount
b) No. of GIRO transactions
Account Balance
By saving more, you can enjoy up to 7.8% p.a. interestNEW!
You will earn an annual interest of S$750.00 and annual cash rebate of S$200, which adds up to a total of
8 9 8 5 8 0
Enjoy up to 10% cashback on your daily spend at SimplyGo (bus and train rides)NEW, Dairy Farm International, Grab, Shopee Singapore, 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 Daily commute with SimplyGoNEW
Up to 10% cashback on bus and train rides.
transport Transport
Up to 10% rebate on Grab rides and food (excludes Grab mobile wallet top-ups).
groceries Groceries, Beauty & Wellness
Up to 10% rebate at Dairy Farm International such as Cold Storage, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli.
Online Spend at Shopee Singapore Online Spend at Shopee Singapore
Up to 10% cashback on your online shopping.
Utilities Bills Utilities Bills
Up to 4.33% cashback on Singapore Power utilities bill.
bill-payment Recurring Bill Payment
(Mobile, Broadband and Utilities)
Enjoy rebates with recurring bill payments. Click here for form.
other-spend Other Spend
Enjoy up to 3.33% cashback on dining, overseas spend, and supplementary card spend.
total-spend Total Monthly Spend:
cash-rebate Total Cash Rebate:
with your UOB One Card in a year

Don’t have a UOB One Credit Card?

For New-to-UOB Credit Card Customers: Get up to 15% cashback on your daily spend and up to S$420 cash credit when you apply now!

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

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


Usher in a bountiful year of the Rabbit when you save with UOB!


Simply top up your UOB savings account and participate now to receive up to S$1,888 Hongbao. Plus, receive up to 3 additional S$28 Hongbaos when you complete selected actions to collect Golden Carrots!

Here's how
Step 1: Register your participation here by 28 February 2023.
Step 2: Deposit a minimum of S$50,000 in Incremental Fresh Funds in an Eligible Account by 28 February 2023.

Incremental Fresh Funds Amount Cash Credit
S$50,000 S$388
S$100,000 S$888
S$200,000 S$1,888

Step 3: Get a Golden Carrot for each action completed below. Be rewarded with an additional S$28 Hongbao for each Golden Carrot you collect, up to 3 per customer!
  1. Register for PayNow with UOB
  2. Credit your monthly salary of min. S$1,600 to your UOB account
  3. Refer a friend to top up and participate in this

Promotion ends 28 February 2023. T&Cs apply.


Things you should know

Eligibility and fees
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
Within 6 months from opening
Min. Initial Deposit
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: Receive up to S$118 cash credit when you open a UOB One Account online.

Or visit one of our branches to open your account.

    Bundle up for even more benefits


    One Account with One Card

    Just 2 steps to earn higher interest on your savings.

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

    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

    One Account with Mighty FX

    Your foreign currency needs covered.

    • A simple way to convert across 10 major foreign currencies at competitive rates directly from your phone for shopping online, investing in opportunities globally or transferring funds overseas.

    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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