UOB Stash Account

  • GSSGSS

    Save and celebrate with rewards of up to S$12,500

    Receive up to S$125 base cash credit* when you take part in the UOB Great Singapore Savings Festival and deposit fresh funds into your UOB Stash Account. Plus, 10 lucky savers get to multiply their base cash credit by 2X, 5X or 100X to receive up to S$12,500* in our monthly draw! 

    Don’t have a UOB Stash Account? Apply online now to receive an additional up to S$40 cash credit#+ and transact instantly.

    Save and celebrate with rewards of up to S$12,500

    Receive up to S$125 base cash credit* when you take part in the UOB Great Singapore Savings Festival and deposit fresh funds into your UOB Stash Account. Plus, 10 lucky savers get to multiply their base cash credit by 2X, 5X or 100X to receive up to S$12,500* in our monthly draw! 

    Don’t have a UOB Stash Account? Apply online now to receive an additional up to S$40 cash credit#+ and transact instantly..

  • Salary CreditSalary Credit

    Sit back and watch your savings grow with an additional interest of 0.25% p.a^

    For a limited time only. Receive an additional interest of 0.25% p.a.^ when you credit your salary into an eligible UOB savings account. Plus, stand to win a Secretlab chair (worth S$549) in our monthly lucky draw.

    Find out more

    Insured up to S$75k by SDIC. ^Full T&Cs apply.

  • uniplusuniplus

    Get up to 1% p.a. interest on your savings with the UOB Stash Account.

How It Works

It's simpler to accumulate even more savings when you stash.

 

Earn up to 1% p.a. interest1 when you maintain or increase your Monthly Average Balance2 (MAB) as compared to previous month


Maintain or increase your MAB
every month to earn bonus interest

 

 

Here’s how it all adds up:

Account Balance Base Interest (p.a.) Bonus Interest (p.a.) Total Interest (p.a.)
First S$10,000 0.05% 0.00% 0.05%
Next S$30,000 0.25% 0.30%
Next S$30,000 0.55% 0.60%
Next S$30,000 0.95% 1.00%
Above S$100,000 0.00% 0.05%

Base interest is calculated based on each day-end balance in the UOB Stash Account, and Bonus Interest is calculated based on Monthly Average Balance

1Maximum effective interest rate (EIR) on the UOB Stash Account® is 0.58% p.a. for deposits of S$100,000, provided the customer’s Monthly Average Balance for the present calendar month is equal to or more than the Monthly Average Balance for the preceding calendar month. UOB Stash Account® Terms and Conditions apply. 2Monthly Average Balance refers to the summation of each day-end balance in the UOB Stash Account® for each calendar month divided by the number of calendar days for that month.

Your MAB will be compared between 2 months. Your current month's MAB will be compared against your previous month's MAB, and if the difference is zero or higher, you would have met the criteria to enjoy bonus interest.

Month 2 MAB – Month 1 MAB ≥ 0

For example, you opened a UOB Stash Account in September 2020 and your MAB is S$20,000.

  • You do not make any withdrawals in October 2020
  • Your MAB still remains at S$20,000 for October 2020
  • You will enjoy Bonus Interest for the month of October 2020

If you have performed withdrawals and want to top up to achieve bonus interest, simply login to UOB Personal Internet Banking or UOB Mighty to find out the required top up amount and balance to maintain for the month

Benefits

Earn up to 11X more interest with UOB Stash Account.

E.g.: If you maintain your savings with no withdrawals

Monthly Average Balance Period Total interest earned (p.a.) Total interest earned As compared to basic savings account
S$50,000 12 months Up to 0.60% $155 6X4
S$100,000 12 months Up to 1% $575 11X5

 

4This calculation is based on a UOB Stash Account® holder with an initial deposit of S$50,000 and maintains a Monthly Average Balance of at least S$50,000 for 12 months. Total interest earned will be up to 0.60% p.a., more than 6 times that of a normal savings account at 0.05% p.a., earning an interest rate of S$25.

5This calculation is based on a UOB Stash Account® holder with an initial deposit of S$100,000 and maintains a Monthly Average Balance of at least S$100,000 for 12 months. Total interest earned will be up to 1.00% p.a., more than 11 times that of a normal savings account at 0.05% p.a., earning an interest rate of S$50.

These calculations are for illustrative purposes only and are not representations, warranties or assurances of the actual interest credited.

NEW Start saving instantly from the comfort of your home

Whether you are an existing UOB saver or a new customer, you can open a savings account online and start transacting instantly without having to leave your home.

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Up to 3% rebate

Up to 3% rebate

When you spend on the UOB One Debit Card

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  • Get approval within minutes4 to start saving instantly.
  • Apply for more than one savings account in a single application.
  • You can also apply for a new savings account using your UOB Credit/Debit card and Personal Identification Number (PIN).
  • For customers applying for a single-named account, you can now track your application status here.

Enjoy greater savings with the UOB One Debit Card:

 

Get savings of up to 3% rebate3 at Shopee SingaporeNew, Cold Storage, Giant, Guardian, 7-Eleven, Grab & more with UOB One Debit Card. Click here for more details.

 

Note: A UOB One Debit Mastercard will be automatically issued to you upon successful application of your UOB Stash Account.

 

Joint Account now available online

NewJoint Account now available online

Apply for a joint account from the comfort of your home and enjoy an easy and transparent way to manage shared finances.

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  • The operating mandate will be Joint-OR (either party to sign). Both account holders can access the funds in the account.
  • Each customer can only hold 1 UOB Stash Account as Primary Account Holder. Customer who initiated the application will be defaulted as the Primary Account Holder.
  • Transactions made by the Secondary Account Holder will also affect the MAB. Bonus interest is only awarded when you maintain or increase the MAB in your UOB Stash Account.
  • All promotions are applicable for the Primary Account Holders only unless otherwise stated.
  • The Primary Account Holder will be the main applicant when the application is submitted. It will be displayed as the first name under the Account Holder’s Name.

    For illustration purposes only:
    Account Holder’s Name: Ms Wendy Tan &/or Ms Alice Tan
    Primary Account Holder: Ms Wendy Tan
    Secondary Account Holder: Ms Alice Tan

 

Promotion

Great Singapore Savings Festival Promotion

 

Base Reward

Receive up to S$125 base cash credit* when you deposit fresh funds into a UOB Stash Account and register your participation.  

Incremental Fresh Funds Amount
(measured against June 2021 MAB)
Base Cash Credit Amount
S$50,000 S$35
S$100,000 S$75
S$150,000 S$125

Great Singapore Savings Festival Draw

Here's another reason to celebrate. Be one of the 10 lucky savers* monthly to multiply your base cash credit by 2X, 5X or 100X with the Great Singapore Savings Festival Draw! Don’t miss out on your chance to take home up to S$12,500* cash credit!
Multiply your base cash credit by Number of winners per month
100X 1
5X 3
2X 6

All participants of the UOB Great Singapore Savings Festival are automatically entered into the monthly lucky draw.

Kindly note that this Promotion is applicable for Primary Accountholders only. Fresh Funds deposited will be measured against your Account’s Monthly Average Balance (MAB) as at 30 June 2021 and will be earmarked for approximately 4 months.

 

Promotion ends 30 September 2021.

Register your participation now

 

Salary Credit Promotion

 

Sit back and watch your savings grow with an additional interest of 0.25% p.a^ when you credit your salary into an eligible UOB savings account. Plus, stand to win a Secretlab chair (worth S$549)^ in our monthly lucky draw.

Register your participation



Who Is STASH For?

features

Steady Saver

You make it a habit to save regularly, to grow a steady stream of income for times to come.

24hrs

Rainy Day Saver

You plan ahead and save to ensure you have a security blanket for the future.

pay-transfer

Extra Cash Saver

You save as and when you have any extra cash or lump sums from your bonuses or investments.

Calculator

Learn how much interest you can earn when you simply maintain or increase your Monthly Average Balance, as compared to the previous month.
Input your MAB by adjusting the sliders or typing them in the fields manually.
 
Your Monthly Average Balance (MAB)
Start earning 1% p.a. interest after S$70k
Total Interest Earned
Interest Amount Earned
 
 
 
 
Total Interest Earned
Interest Amount Earned
 
Aug
(Account Opened)
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
S$0.00
Total Interest Amount Earned (p.a.) = S$50.00
 
 
 
 
 
 
 
S$10k

 
 
S$50k

 
 
S$100k

 
S$150k

 
 
S$200k

 
Start earning 1% p.a. interest after S$70k
This is for illustration purpose only, and is not indicative of the total interest you may earn on your savings in UOB Stash Account.

Apply Now

New-to-UOB Deposits customers: Get S$40 cash credit# if you’re among the first 250 customers per calendar month to open a new account online and deposit at least S$5,000 in fresh funds into your UOB account within the account opening month.
Existing UOB Deposits customers: Get S$20 cash credit+ if you’re among the first 250 customers per calendar month to open a new account online and deposit at least S$5,000 in fresh funds into your UOB account within the account opening month.

APPLY NOW
UOB Stash Account
 APPLY NOW
Joint UOB Stash Account

#S$40 cash credit (1 Jul to 30 Sep 2021)
Limited to the first 250 new-to-UOB Deposits customers per calendar month (i) who successfully applies for a new UOB Uniplus Account, UOB Stash Account, UOB Lady’s Savings Account and/or UOB One Account from 1 July 2021 to 30 September 2021 or a new KrisFlyer UOB Account from 1 August 2021 to 30 September 2021, (ii) who deposits at least S$5,000 in fresh funds into their new UOB account within the new account opening month. Click here for full terms and conditions.

+S$20 cash credit (1 Jul to 30 Sep 2021)
Limited to the first 250 existing UOB Deposits customers per calendar month (i) who successfully applies for a new UOB Uniplus Account, UOB Stash Account, UOB Lady’s Savings Account and/or UOB One Account from 1 July 2021 to 30 September 2021 or a new KrisFlyer UOB Account from 1 August 2021 to 30 September 2021, (ii) who deposits at least S$5,000 in Fresh Funds into their new UOB account within the new account opening month which results in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all their other UOB current accounts and/or savings accounts as at 30 June 2021. Click here for full terms and conditions.

Customers who qualify as the first 250 participants to receive the S$40 or S$20 cash credit will receive the cash credit by the following dates:

 OPENING DATE OF NEW ACCOUNT REWARD CREDIT DATE
Any date from 1 July 2021 to 31 July 2021 (both dates inclusive) By 30 September 2021
Any date from 1 August 2021 to 31 August 2021 (both dates inclusive) By 31 October 2021
Any date from 1 September 2021 to 30 September 2021 (both dates inclusive) By 30 November 2021

Eligibility and fees

Age 15 years old & above
Min. 16 years old for online account application

Fall-below Fee
(if average daily balance is below S$1,000)

S$2
Early Account Closure Fee
(if account is closed within 6 months from account opening)
S$30

Learn more about account fees and charges.

Actions or documents required

You can open a savings account online 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

BOOK NOW
Appointment for Account Opening at Branch

 

3Enjoy 3% rebate on Shopee Singapore transactions (excludes Shopee Pay), 3% rebate on Dairy Farm Singapore (“DFSG”) transactions (Cold Storage, Giant, Guardian, 7-Eleven, Market Place, Jasons and Jasons Deli) & 1% rebate on Grab transactions (excludes mobile wallet top-ups) with a minimum monthly spend of S$500. Rebates are capped at S$20 per calendar month across Shopee Singapore, DFSG & Grab transactions. Terms and Conditions apply. Visit uob.com.sg/onedctncs for details.

4Applicable to New to UOB customers who are Singaporeans/PRs with MyInfo login and existing UOB customers applying as a single-named applicant with Myinfo login or bank details online. Applications submitted between 8.30am to 9pm will be opened instantly. Applications received outside these times will be processed the next working day. Applications are subject to UOB’s approval.

UOB Stash Account® FAQ

*The UOB Great Singapore Savings Festival (1 July 2021 to 30 September 2021) is valid from 1 July 2021 to 30 September 2021, both dates inclusive. Full terms and conditions apply.

^The UOB Salary Credit Campaign (5 August 2021 to 30 September 2021) is valid from 5 August 202 to 30 September 2021, both dates inclusive. Full terms and conditions apply.

More Information

Important information on the use of UOB Accounts and Services

Terms & Conditions

More information

Deposit Insurance Scheme

Providing limited compensation to selected eligible deposits

Find out more

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.