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UOB TMRW
Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Be rewarded. Take charge with UOB TMRW.
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What is a UOB Joint Account?
Whether you’re a couple, family, or caregivers for a loved one, a joint account helps to pool funds, pay bills and track shared budgets in one place securely and conveniently.
A joint account is a savings account shared by two or more people with equal access to deposit, withdraw, and make payments. It works like a regular savings or current account, but with shared ownership and visibility for all holders.
Why a UOB Joint Account?
Open your UOB joint account online
Start your UOB joint account opening online and get shared access to your account information for your everyday banking.
Check application status. 
Flexible access and control
Choose how you want to operate — pick joint-alternate for speed and convenience or joint-all for full dual-approval control.
For joint-all accounts, you may proceed to any UOB branch in Singapore to open the account with all accountholders.
Work towards shared financial goals together
See your progress in real time with UOB TMRW — monitor shared expenses, and upcoming payments together, so you can stay aligned on the goals that matter.
Simplify bill payments and shared budgeting
Simplify shared finances by automating payment for recurring expenses (rent, utilities, loans) from one place using GIRO.
Make it easier to manage shared spending and monthly budgeting together.
Track shared spending and savings in one place
Get smart spending insights with UOB Insights — track inflows, outflows, and spending categories in one place so both account holders stay on top of shared spending and savings.
Safe and secure banking
Bank together with confidence — enjoy UOB’s robust security, alerts, and fraud monitoring to protect all account holders.
How it works
Choose your operating mandate
- UOB Joint-Alternate Account (Joint-OR)
- UOB Joint-All (Joint-AND)
| UOB Joint-Alternate Account (Joint-OR) |
UOB Joint-All (Joint-AND) |
|
• Any joint account holder can transact independently — ideal for fast bill payments and daily use. • Online payment services also provide convenience because all joint account holders can track and manage funds in a single place. |
• All joint account holders must approve transactions — preferred for higher-value savings or added control. • Online payment services are not available for joint-all accounts |
Ready to apply?
Ready to apply?
To open a Joint-Alternate Account, choose from our savings accounts below and apply online today to enjoy limited-time deals. For Joint-All accounts, visit any of our UOB branches in Singapore or call our UOB hotline at 1800 222 2121.
Apply now
Pick the UOB account that fits, whether it is to earn rewards or for your simple everyday banking. You can apply online or at any UOB branch with your joint account holders, for any eligible UOB savings account that allows joint ownership. Availability of joint mandates varies by product.
UOB One Account
Maximise interest in just two steps.
- Get up to 3.4% p.a. interest on your savings (up to S$2,850 in interest a year on up to S$150,000 deposits)
- Spend a min. of S$500 monthly on an eligible UOB Card and credit your salary OR make 3 GIRO transactions per month
Subject to qualifying criteria. T&Cs apply.
UOB Stash Account
It’s so easy to Stash it and let your savings grow – now with up to 2% p.a. interest!
- Simply maintain or increase your balance every month
- No lock-in period! This means having access to your savings anytime while still earning interest every month.
Subject to qualifying criteria. T&Cs apply.
KrisFlyer UOB Debit Card and Account
The debit card and account that are miles ahead.
- For every S$1 spend:
- Earn 1 mile on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
- Earn 0.4 miles on all other spend
- Plus, get up to additional 6 miles per S$1 spend when you spend and save with KrisFlyer UOB Account.
- Get S$10 off ChangiWifi and Grab rides to or from the Airport
- Exclusive benefits from Scoot (via flyscoot.com/KrisFlyerUOB) such as priority check-in and boarding, additional baggage allowance and more!
Subject to qualifying criteria. T&Cs apply.
Uniplus Account
Make the most of today and even more tomorrow. Earn up to 2.5% interest p.a. on your savings when you invest or insure with us.
- Grow your savings with 2.5% p.a. interest for 6 months on your first S$100,000 when you invest or insure with us.
- Receive a UOB One Debit Card and enjoy up to 4% cashback on daily spends.
Subject to qualifying criteria. T&Cs apply.
Apply now
Pick the UOB account that fits, whether it is to earn rewards or for your simple everyday banking. You can apply online or at any UOB branch with your joint account holders, for any eligible UOB savings account that allows joint ownership. Availability of joint mandates varies by product.
UOB One Account
Maximise interest in just two steps.
- Get up to 3.4% p.a. interest on your savings (up to S$2,850 in interest a year on up to S$150,000 deposits)
- Spend a min. of S$500 monthly on an eligible UOB Card and credit your salary OR make 3 GIRO transactions per month
Subject to qualifying criteria. T&Cs apply.
UOB Stash Account
It’s so easy to Stash it and let your savings grow – now with up to 2% p.a. interest!
- Simply maintain or increase your balance every month
- No lock-in period! This means having access to your savings anytime while still earning interest every month.
Subject to qualifying criteria. T&Cs apply.
KrisFlyer UOB Debit Card and Account
The debit card and account that are miles ahead.
- For every S$1 spend:
- Earn 1 mile on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
- Earn 0.4 miles on all other spend
- Plus, get up to additional 6 miles per S$1 spend when you spend and save with KrisFlyer UOB Account.
- Get S$10 off ChangiWifi and Grab rides to or from the Airport
- Exclusive benefits from Scoot (via flyscoot.com/KrisFlyerUOB) such as priority check-in and boarding, additional baggage allowance and more!
Subject to qualifying criteria. T&Cs apply.
Uniplus Account
Make the most of today and even more tomorrow. Earn up to 2.5% interest p.a. on your savings when you invest or insure with us.
- Grow your savings with 2.5% p.a. interest for 6 months on your first S$100,000 when you invest or insure with us.
- Receive a UOB One Debit Card and enjoy up to 4% cashback on daily spends.
Subject to qualifying criteria. T&Cs apply.
Who can apply?
| UOB One Account | UOB Stash Account | UOB Uniplus Account | Krisflyer UOB Account | |
| Age | Min 18 years old | Min 15 years old (at branch) or 16 years old (online) | Min 15 years old (at branch) or 16 years old (online) | Min 18 years old |
| Minimum Initial Type | S$1,000 | S$1,000 | S$500 (Singaporeans/PRs) S$1000 (Foreigners) S$20 (Singaporeans/PRs with a monthly income of less than S$2,000, and who are using the account as a basic bank account) |
S$1,000 |
| Fall Below Fee | S$5 | S$2 | S$2 | S$2 |
| Cheque Book Fee | S$10 per cheque book, issued upon request | N.A | N.A | S$10 per cheque book, issued upon request |
Joint accounts are commonly used by couples, but they can also be opened by siblings, parents and children, essentially anyone who needs to manage finances together.
Joint-Alternate (Joint-OR):
Any joint account holder can perform transactions independently without needing the others' approval. This offers greater flexibility for daily transactions, while allowing all joint account holders to track the expenses together.
Joint-All (Joint-AND):
All transactions must be approved by all joint account holders — more secure but less convenient. Online payment services are not available for such accounts. To open a joint-all account, all account holders must visit any UOB branch in Singapore together.
It depends on your financial habits, trust level with the other party, and your comfort in sharing account access and visibility.
Yes. You can open a joint account with UOB in Singapore even if the other person does not already have a UOB account
Once the Bank is notified of the passing of a joint account holder, all operations of the deceased’s accounts (including the joint account) will be restricted. Withdrawals, GIRO or other payment arrangements would no longer be permitted until further instructions are provided by the surviving account holder. If you are a surviving joint account holder, you mayvisit a branchto provide your instructions to manage the account.
As we and our loved ones age, it’s important to start planning for the future. There are some resources you can look into, such as writing a will, making a CPF nomination, or making a Lasting Power of Attorney (LPA).
You can open a savings account online, get approval within minutes and start transacting instantly (where applicable).
How to apply:
- Retrieve with Myinfo using Singpass login – applicable to new to UOB customers, existing to UOB customers and joint applicants
- Personal Internet Banking login details – applicable to existing to UOB customers
- 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 need to bring along original copies of:
- Your Physical Passport (Min 6 month validity is required)
- Proof of Residential Address (E.g. Utilities or telecom bills)
- Employment Pass/S Pass/Dependent Pass
Please note that photocopied or digital copies of the above documents will not be accepted for processing.
Important information on the use of UOB Accounts and Services
All promotions subject to qualifying criteria. Terms and Conditions
Please see here for the full list of eligible card spend transactions to earn Bonus Interest.
Sales representatives, if any, may be remunerated for the recommendation or sale of this account.
Make banking simpler with these services
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
With Contactless Cash Withdrawals, you can now travel light and withdraw cash with a quick tap on your phone.
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
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.
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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