Singapore Dollar Time/Fixed Deposit
Work your money harder with promotional interest rate of up to 1.65% p.a.
Secure higher returns with fixed rates
Gain higher interest
Watch your spare cash grow with minimal risk through competitive interest rates.
Instant applicationNEW!
Reduce waiting time at the branch and open a UOB Fixed Deposit account instantly online here
.
Flexible choice
We offer a wide range of tenors to suit your needs.
Convenient automatic renewal
Enjoy the convenience of automatic renewal upon maturity of your fixed deposit while you stay home and stay safe.
Singapore Dollar Time/Fixed Deposit Promotion
up to 1.65% p.a.
on your Singapore Dollar Time/Fixed Deposit.-
Tenor
-
Deposit Amount
(Fresh Funds) -
Promotional
Interest rate
(p.a.)
| Tenor | Deposit Amount (Fresh Funds) |
Promotional Interest rate (p.a.) |
| 6-month | S$10,000 | 1.65% p.a. |
| 10-month | S$10,000 | 1.45%p.a. |
| Tenor |
| 6-month |
| 10-month |
This promotion is available from 09 July to 31 July 2025.
To enjoy this promotion, simply login to UOB Personal Internet Banking or UOB TMRW App to make a fresh fund placement from Monday to Friday (9.30am to 9.30pm), Saturdays (8am to 9.30pm), excluding Sundays and Public Holidays. Online placement is capped at S$999,999 per placement.
How it works
To place a new fixed deposit
Step 1: Transfer the minimum required fresh funds to your existing savings/current account
Via UOB Personal Internet Banking
Step 2: Login to UOB Personal Internet Banking > Click "Investment" > Select "Fixed Deposit"
Step 3: Fill in the requested details and click confirm to proceed.
Via UOB TMRW App
Step 2: Login to UOB TMRW App > Select “Services” > Select “Fixed deposit placement”
Step 3: Fill in the requested details and swipe confirm to proceed.
Once your transaction is successful, your new placement will be shown when you click into the account.
To amend maturity instructions
Step 1: Login to UOB Personal Internet Banking
Step 2: Click "Investment" > Select "Fixed Deposit"
Step 3: Click "Amend" and amend your maturity instruction
Once you have confirmed to proceed, your new maturity instructions will be shown when you click into the account.
Things you should know
Eligibility and fees (applies to Singapore Dollar Time/Fixed Deposit only)
Age
Minimum placement
S$250,000 for tenors of 7 days and 14 days
S$1,000,000 for tenors of less than 7 days
Fees
Important notice
Important information on the use of UOB Accounts and Services
Account will be automatically closed if it has been inactive for 12 months.
Terms & Conditions
Sales representatives, if any, may be remunerated for the recommendation or sale of this account.
Frequently Asked Questions
Apply
How to apply for Fixed Deposit
Step 1 : Open UOB TMRW app and tap on More.
Step 2 : Tap on Fixed deposit.
Step 3 : Tap on Fixed Deposit. You will be redirected to the application form.
Step 4 : Click Next.
Step 5 : Click "Apply with Myinfo" to proceed and provide consent to retrieve your information using Myinfo. Continue through with the steps to complete the application.
Step 6 : Once you have reviewed and confirmed your application, an email notification will be sent to the email address provided in the application to acknowledge the application submission.
View
How to view my existing fixed deposit holdings
Step 1 : Log in to UOB TMRW and tap "Accounts".
Step 2 : Swipe up, or to the left to access your Time/Fixed Deposit account under "Investments".
Step 3 : Tap on Time/Fixed Deposit.
Step 4 : You will be able to see your current holdings. Tap on "Advices” for more information on fixed deposit placed. To make a placement, you may tap on "Place fixed deposit".
Make new placement
How to perform Fixed Deposit placement
Step 1 : Log in to UOB TMRW and tap on "Wealth".
Step 2 : Select "Place fixed deposit" under the "Other wealth services".
Step 3 : Select your fixed deposit account under "To" and a debiting account under "From". For foreign currency fixed deposit placements, select your preferred currency under "Currency" and indicate your placement amount. Tap "Next" to continue.
Step 4 : Tap on "Tenor" and select your preferred from the dropdown menu, then "Next" to continue.
Step 5 : Select your preferred "Maturity Instructions" and tap "Next" to continue.
Step 6 : Review and confirm your fixed deposit placement details by swiping right.
Step 7 : Your Fixed Deposit placement is now successful.
Maturity Instruction
1. What are the types of maturity instructions available?
You may select one of the following maturity instructions for your Time/Fixed Deposit:
Option 1
Option 2
Option 3
For Option 1 or 2 above, the principal amount of the Time/Fixed Deposit including or excluding interest (dependent on the option selected) will continue through one new cycle with same tenor at prevailing interest rate upon maturity of the Time/Fixed Deposit.
For Option 3 above, please ensure you have an existing UOB current or savings account for the crediting of matured funds from your Time/Fixed Deposit.
2. Can I amend my maturity instruction after I have made a placement?
Yes, you may submit a request to change maturity instruction via UOB Personal Internet Banking:
Step 1
Step 2
Step 3
Once you have confirmed to proceed with your new maturity instruction, you may view your new maturity instructions by clicking on your Time/Fixed Deposit account in UOB Personal Internet Banking and/or TMRW.
Please note that a request to change maturity instruction must be successfully submitted more than 7 calendar days prior to maturity date of the Time/Fixed Deposit. Otherwise, the request will be rejected.
3. Will the maturity date of my Time/Fixed Deposit fall on a non-working day (e.g. Sunday or public holiday)?
No, the maturity date will fall on the next working day and interest for the additional day(s) will be accorded accordingly.
Withdrawal
1. How can I make a withdrawal of my Time/Fixed Deposit?
You may visit any UOB branch in Singapore during the UOB branch’s operating hours to make a withdrawal of your Time/Fixed Deposit. Please bring along your identification documents (e.g. NRIC or passport) for verification purposes.
2. Can I make an early withdrawal of my Time/Fixed Deposit before its maturity date?
Yes, you may visit any UOB branch in Singapore during the UOB branch’s operating hours to make an early withdrawal of your Time/Fixed Deposit. Please bring along your identification documents (e.g. NRIC or passport) for verification purposes.
Please note that you may receive lesser or no interest for early withdrawal of your Time/Fixed Deposit before its maturity.
3. Are there any fees or charges for early withdrawal of Time/Fixed Deposit?
Singapore Dollar Time/Fixed Deposit
There is no withdrawal fee imposed for Singapore Dollar Time/Fixed Deposit.
However, please note that you may receive lesser or no interest for early withdrawal of your Time/Fixed Deposit before its maturity.
Foreign currency Time/Fixed Deposit
Please note that:
- You may receive lesser or no interest for early withdrawal of your Time/Fixed Deposit before its maturity.
- Foreign currency conversion is based on prevailing exchange rate and subjected to exchange rate fluctuations, which may result in you receiving an amount different from the original amount you placed for your Time/Fixed Deposit.
Make banking simpler with these services
Get alerts about your account instantly
Leave the hard work to us! To safeguard your account, UOB Insights will let you know instantly if there are any unusual transactions.
Track your investments on the go
Use UOB TMRW to view, manage and keep track of all your UOB accounts.
You can also use the app to place new fixed deposits, as well as renew or withdraw from matured ones anytime.
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Foreign Currency Time/Fixed Deposit
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One Account with One Card
Skip to higher interest in just two steps. Get up to 5.3% p.a. interest when you spend on an eligible credit card and credit your salary or make 3 GIRO debit transactions monthly. Score up to 10% cashback on daily spends with UOB One Credit Card.
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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