
Passbook Savings Account
Track your savings and transactions in a simple way with a passbook.
Get up to S$268 cash when you apply for an eligible UOB savings account online, deposit new funds, pay your bills, credit your salary and dividends with UOB. Or, get up to S$288 cash every Flash Deal Friday from 10 January to 21 February 2025! Find out how.
Grow your savings while tracking your transactions
Watch your savings grow
Earn a base interest of 0.05% p.a. on your savings.

Convenient access to your account
Gain 24/7 access to your account through UOB Personal Internet Banking and UOB TMRW.
Get started with 3 simple steps
Step 1: Open your new account
Apply for your Passbook Savings account at any of our UOB branches.
Step 2: Start saving and transacting

Earn daily interest on your savings.
Step 3: Update your passbook to track your transactions

Update your passbook at selected UOB ATMs island-wide and stay on top of your monthly savings and expenses.
Illustration: 0.75% p.a. interest (Bonus Rate assuming Incremental Fresh Funds Balance of more than S$100,000) + 0.05% p.a. interest (Prevailing Interest Rate). Bonus Rates will only apply to Incremental Fresh Funds Balance of at least S$15,000, subject to a cap of S$1,000,000. Any amount of Incremental Fresh Funds Balance exceeding S$1,000,000 shall only earn interest at the applicable Prevailing Interest Rate.
Valid for UOB Passbook Savings Account or UOB Uniplus Account only. This promotion is valid from 1 August 2022 to 30 September 2022 (both dates inclusive). Full terms and conditions governing the UOB Passbook and Uniplus Savings Promotion (1 August 2022 to 30 September 2022) apply. The terms and conditions of the promotion may be subject to change without prior notice or reason.
Get a Delsey Clavel 70cm Luggage, or 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
Delsey Clavel 70cm Luggage is only for the first 200 New to UOB Deposits customers per calendar month who:
- Successfully open a new KrisFlyer UOB Account or UOB One Account together with a Mighty FX account online between 1 November 2022 to 31 December 2022; and
- Deposit at least S$5,000 into their new KrisFlyer UOB Account or UOB One Account within the account opening month and hold it till the end of the following calendar month.
OR
-
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).
Promotion

Lunar New Year Pot of Gold Promotion
Celebrate this Lunar New Year with up to S$956 cash when you
save with UOB.
Plus, stand to be one of 8 winners to share a pot of gold worth up to S$28,888 cash in the lucky draw! The cash pot increases when more customers participate. Hurry, gather your friends and family to participate together and unlock the maximum tier for the pot of gold!
Here’s how to earn up to S$688 in cash:
Step 1: Register your participation here
by 29 Mar 2025.
Step 2: Deposit a minimum of S$20,000 in new funds into your
eligible UOB savings account. The new funds deposited will be set aside for approximately 5
months^ and cannot be withdrawn during this period
Don’t have a UOB savings account? Apply online now and receive up to
an additional S$268 bonus cash reward.
Eligible UOB savings account means any one of the following accounts: UOB
One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB
Passbook Savings Account or UOB Uniplus Account.
UOB Lunar New Year Pot of Gold Promotion is only open to Personal Banking, Wealth
Banking, Privilege Banking and Privilege Banking Reserve Account holders.
T&Cs apply.
^Refer to T&Cs for the Earmark End Date.

Get up to S$160 cash when you pay your bills, credit your
salary and dividends with UOB!
Here’s how you can
get up to S$160 cash:
Step 1: Register your participation here
between 1 January 2025 and 31 March 2025, both dates inclusive.
Step 2A | 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 home loan instalments from your Eligible UOB savings account to
qualify.
Step 2B | Dividend Credit: Get S$50 cash when you opt to credit
CDP
dividends (min. S$50 per transaction) into your Eligible UOB savings account via
Direct Credit Service.
Step 2C | Salary Credit: Get S$80 cash when you credit your
monthly
salary (min. S$1,600) into your Eligible UOB savings account via GIRO or
PayNow.
Full-time National Serviceman (NSF) customers will only need to
successfully
credit a monthly salary or allowance of min. S$500 instead of S$1,600.
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.
Promotion ends 31 March 2025. This Promotion is only open to Personal Banking, Wealth Banking,
Privilege Banking and Privilege Banking Reserve Accountholder(s) who maintain their Eligible UOB
savings account with one of the aforementioned segments at all times from the commencement date of
the Promotion Period and till 30 June 2025 (both dates inclusive).
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 Jan 2025
- 6-12 Jan 2025
- 13-19 Jan 2025
- 20-26 Jan 2025
- 27 Jan – 2 Feb 2025
- 3-9 Feb 2025
- 10-16 Feb 2025
- 17-23 Feb 2025
- 24 Feb – 2 Mar 2025
- 3-9 Mar 2025
- 10-16 Mar 2025
- 17-23 Mar 2025
- 24-31 Mar 2025
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.
Get Up to S$288 cash credit comprising:
1) Either S$128 or S$88 or S$38 cash credit
OR
2) Either S$108 or S$68 or S$28 cash credit
AND
3) Up to S$160 cash credit
1) UOB Online Account Opening Weekly Friday Promotion (10 January to 21 February 2025)
Limited to the first 88 customers on each tactical promotion date, namely 10 January 2025, 17 January 2025, 24 January 2025, 31 January 2025, 7 February 2025, 14 February 2025 and 21 February 2025 (each, a “Tactical Promotion Date”), (i) who successfully submit an account opening application via a Permitted Application Channel 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, a “UOB Account”), (ii) whose application is approved by UOB within the same calendar month as the application submission date, 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 (iv) maintain a balance of at least S$5,000 in their new UOB Account 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 December 2024 and such increase must also be maintained till the end of the following 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$88 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$38 cash credit. “Permitted Application Channel” means (a) any online account opening channel via www.uob.com.sg (excluding any application triggered or assisted by UOB staff or agents, or submitted together with a UOB credit card application, or submitted via https://www.uob.com.sg/personal/highlights/life-moments/adulting/tertiary-students.page); (b) UOB Personal Internet Banking or UOB TMRW; or (c) any other channels as may be permitted by UOB from time to time. “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. This promotion is not valid in conjunction with the UOB Online Account Opening Weekly Promotion (1 January to 31 March 2025). T&Cs apply.
Click here for full terms and conditions.
OR
2) UOB Online Account Opening Weekly Promotion (1 January to 31 March 2025)
Valid from 1 January to 31 March 2025 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely from 1 to 5 January 2025 and every calendar week from 6 January to 31 March 2025, (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 opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new UOB account 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 December 2024 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$108 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 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
3) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 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 who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.
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.
Applicable to non-joint accounts only.
“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.
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.
Click here for Full Terms and Conditions governing UOB Salary Credit and GIRO Reward Campaign (1 April 2023 to 30 June 2023).
Eligible UOB Account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash® Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
‘new funds’ means 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. 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.
Participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 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 who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.
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.
Eligible Accounts: UOB One Account, UOB Stash Account, UOB Lady's Saving Account. UOB 12 Gifts of Christmas Savings Promotion (1 November 2022 to 31 December 2022) (“Promotion”) is only valid from 1 November 2022 to 31 December 2022, both dates inclusive (“Promo Period”). You are required to deposit incremental fresh funds in the specified amount during the Promo Period and successfully submit an online participation form to UOB for this Promotion during the Promo Period. Cash credit awarded in this Promotion depends on your participating deposit amount for this Promotion. Participants who are eligible to receive a cash credit under this Promotion will be automatically enrolled into the Lucky Draw. Full terms and conditions apply and can be accessed here.
UOB Passbook Savings and Uniplus Account Promotion (1 November 2022 to 31 December 2022) (“Promotion”) is only valid from 1 November 2022 to 31 December 2022, both dates inclusive (“Promotion Period”). You are required to deposit incremental Fresh Funds in the specified amount during the Promotion Period and successfully submit an SMS registration to UOB for this Promotion during the Promotion Period. Interest awarded in this Promotion depends on your incremental fresh funds deposited for this Promotion and if you qualify as a New Salary Accountholder, Existing Salary Accountholder or Non-Salary Accountholder. Visit here for full terms and conditions.
Eligible UOB savings account include UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Uniplus Account, KrisFlyer UOB Account and/or UOB Passbook Savings Account.
Eligible Accounts: UOB Passbook Savings Account, UOB Uniplus Account, UOB One Account, UOB Stash Account and UOB Lady's Savings Account. UOB Lunar New Year Savings Promotion (1 January 2023 to 28 February 2023) (“Promotion”) is only valid from 1 January 2023 to 28 February 2023, both dates inclusive (“Promotion Period”). You are required to deposit incremental fresh funds in the specified amount (“Participating Deposit”) into your Eligible Account during the Promotion Period, 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 Earmark Period. Cash credit awarded in 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 get to collect up to three (3) Golden Carrot Rewards, each consists of an additional cash credit of S$28, if they successfully perform certain actions. Full terms and conditions apply and can be accessed here.
Incremental Fresh Funds are measured against your Eligible Account’s day-end balance as at 31 December 2022.
Eligible Accounts: UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Uniplus Account, UOB Passbook Savings Account.
‘Earmarked’ means that the Incremental Fresh Funds deposited will not be reflected in the Eligible Account statements and cannot be withdrawn.
You are only eligible to receive one Golden Carrot (S$28 Hongbao), regardless of the number of successful referrals you make during the Promotion Period.
Eligible UOB 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 for UOB 3 month Fixed Deposit Foreign Exchange Promotion will apply.
The Promotional Interest Rate(s) quoted are as at 6 February 2023. This promotion is applicable to individual customers only and is not valid with any other privileges or promotions unless otherwise stated. The fixed deposit must be made with Converted Fresh Funds and not funds transferred from existing UOB savings/current/fixed deposit account(s) or UOB cheques, cashier's orders and demand drafts. The promotional interest rate will only apply if the fixed deposit is held to maturity. If the fixed deposit is withdrawn before its maturity, no interest will be payable unless UOB decides otherwise (in which case, the amount of interest payable will be determined by UOB). UOB may change the terms and conditions of this promotion (including the promotion period, promotional interest rate, fixed deposit tenor, or terminate this promotion) at any time without having to provide any reason or prior notice. It is important to read and accept the full terms and conditions that apply to the UOB 3 month Fixed Deposit Foreign Exchange Promotion here. This promotion is available from 6 February 2023 to 31 March 2023.
“Fresh Funds” refers to (i) funds in the form of non-UOB cheques; (ii) other funds that are not transferred from any existing UOB current/savings or fixed deposit account; or (iii) other funds 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 Account within the Promotional Period.
Please refer to the terms and conditions here for full definitions.
“Converted Fresh Funds” refers to Fresh Funds that are converted from one currency into any one of the Currencies at the Bank’s quoted prevailing rate of exchange (which shall be determined by the Bank at its discretion) and deposited into the Account within the Promotional Period.
Please refer to the terms and conditions here for full definitions.
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 |
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.
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 |
‘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.
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.
“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, and 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 2024.
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$68 |
S$50,000 | S$188 |
S$100,000 | S$388 |
S$150,000 | S$688 |
Get up to S$956 cash credit comprising:
1) Up to S$688 cash credit
AND
2) Either S$108 or S$68 or S$28 cash credit
AND
3) up to S$160 cash credit
1) UOB Lunar New Year Pot of Gold Promotion (“Promotion”) is valid from 1 January 2025 to 29 March 2025, both dates inclusive (“Promotion Period”). To qualify, you must deposit new 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 to be one of the 8 winners to win a share of the lucky draw prize worth up to S$28,888 cash. 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 January to 31 March 2025)
Valid from 1 January to 31 March 2025 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely from 1 to 5 January 2025 and every calendar week from 6 January to 31 March 2025, (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 opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new UOB account 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 December 2024 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$108 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 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
3) Participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 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 who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.
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.
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.

Activate Money Lock to protect your savings from digital scams
Scammers are becoming increasingly sophisticated, which is why it’s more important than ever to safeguard your money. By enhancing anti-scam measures that give you peace of mind, we continue our fight against digital scams with diligence and innovation.
Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals. Rest assured, your money continues to earn the same interest and/or rewards. Simply use the UOB TMRW app, UOB Personal Internet Banking or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.
Things you should know
Eligibility and fees
Age
15 years old and aboveEarly Account Closure Fee
S$30Within 6 months from opening
Fall-below Fee
S$2 if min. average daily balance is less than S$500Min. Initial Deposit
S$500 (Singaporeans/Permanent Residents)S$20 (Singaporeans/Permanent Residents with monthly income of less than S$2,000, and who are using the account as a basic Bank Account)
S$1,000 (Foreigners)
Important notice
Important information on the use of UOB Accounts and Services
Visit the full Terms & Conditions.
Sales representatives, if any, may be remunerated for the recommendation or sale of this account.
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Gain deeper insights into your account
To track your account more efficiently, pair your Passbook Savings Account with the UOB TMRW app. UOB Insights will give you an overview of how much you’ve spent and saved so you can stay on top of your budget.

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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.
T&Cs apply. Insured up to S$100k by SDIC.
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 2.40% 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 4.00% 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.
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.
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