UOB Stash Account

  • uniplusuniplus

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

  • Accumulate even more savings when you StashAccumulate even more savings when you Stash

    Accumulate even more savings when you Stash

    Earn up to 1% p.a.1 interest with UOB Stash Account. Get up to S$80 cash credit#+ when you open a UOB Stash Account online now.

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

Promotion

Announcement: With effect from 1 November 2020, the prevailing interest rate for the UOB Stash Account® will be revised. Click here for more information.

 

Accumulate even more savings when you stash

Earn up to 1% p.a.1 interest (more than S$800 per year) with UOB Stash Account. Don’t have a UOB Stash Account? Get up to S$80 cash credit#+ when you open an account online now!

New to UOB customers: Get S$80 cash credit# when you open a new UOB Stash Account online and maintain an average balance of S$5,000 in the account for 6 months
Existing to UOB Deposits customers: Get S$40 cash credit+ when you open a new UOB Stash Account online and maintain an average balance of S$5,000 in the account for 6 months

Apply Now

Benefits

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

 

Earn up to 1% p.a. interest1 when you:

  • Maintain or increase your previous month's Monthly Average Balance2 (MAB)
  • Maintain a minimum MAB of S$10,000

 

 

Illustration Table:
Here’s how much you can earn with UOB Stash Account.

Eg: You maintain your savings with no withdrawals

Deposit Period Total Interest earned (p.a.) Total Interest earned
S$20,000 12 months Up to 0.8% S$85+

+8 times your normal savings account at 0.05% p.a., earning an interest of S$10.

 

Eg: You are saving monthly for a goal

Initial Deposit Monthly Deposit Period Total Interest earned (p.a.) Total Interest earned
S$58,750 S$3,750 12 months Up to 1.0% S$617@

@15 times your normal savings account at 0.05% p.a., earning an interest of S$40.

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

The summation of each day-end balance in your 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 2017 and your MAB is S$20,000.

  • You do not make any withdrawals in October 2017
  • Your MAB still remains at S$20,000 for October 2017
  • You will enjoy Bonus Interest for the month of October 2017

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

 

NewEnjoy greater savings with the new UOB One Debit Card:

 

Get savings of up to 3% rebate3 at Cold Storage, Giant, Guardian, 7-Eleven, Grab & more with UOB One Debit Mastercard. 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.

 

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.

  • 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.

Note: Customer can choose to apply for a joint account in the application by providing the joint applicant details. An email will be generated to the joint applicant to inform him/her that he/she has been nominated by the main applicant. The joint applicant would be required to complete the application within 7 working days.

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

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.

How It Works

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$40,000 0.05% 0.75% 0.80%
Next S$50,000 0.05% 0.95% 1.00%
Above S$100,000 0.05% 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

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$50k
Start earning bonus interest from your first dollar
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$50k
Start earning bonus interest above S$10K
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

Eligibility and fees

Age 15 years old & above

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.

 

Now, you can open and transact with your account instantly. (Joint account now available online)

Get up to S$80#+ when you apply online for UOB Stash Account.

 

APPLY NOW
For Instant Account Opening of UOB Stash Account
 BOOK NOW
Appointment for Account Opening at Branch

 

Apply for a new UOB account 24/7 by retrieving your personal information with MyInfo. Applications submitted between 8.30am to 9pm (for new UOB customers) will be opened instantly. Applications received outside these times will be processed the next working day.

Actions or documents required

For Singaporeans and PRs

 

Existing UOB Customers

  • You may apply via UOB Mighty or Personal Internet Banking with your PIB login.

 

New UOB Customers

  • You can now apply via MyInfo with your SingPass login. Forms are prefilled with no submission of documents needed and account can be opened instantly!

 

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

 

1Maximum effective interest rate (EIR) on the UOB Stash Account® is 0.83% p.a., provided that: (a) the customer maintains a minimum Monthly Average Balance of S$10,000; (b) 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; and (c) the Monthly Average Balance which is eligible to earn Bonus Interest is capped at S$100,000. UOB Stash Account® Terms and Conditions apply2Monthly 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.

3Enjoy 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 both DFSG & Grab transactions. Terms and Conditions apply. Visit uob.com.sg/onedctncs for details.

UOB Stash Account® FAQ

#S$80 cash credit (1 to 31 Oct 2020): Limited to the first 200 new-to-UOB Deposits customers (i) whose online account opening application for a new UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, UOB Lady’s Savings Account and/or UOB One Account is successfully approved by UOB during the Promotion Period and (ii) who deposits at least S$5,000 in fresh funds into their new UOB account during the Promotion Period and (iii) maintains such fresh funds in their new UOB account until 30 April 2021. Click here for full terms and conditions.

+S$40 cash credit (1 to 31 Oct 2020): Limited to the first 200 existing UOB Deposits customers (i) whose online account opening application for a new UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, UOB Lady’s Savings Account and/or UOB One Account is successfully approved by UOB during the Promotion Period, (ii) who deposits at least S$5,000 in Fresh Funds into the new UOB account during the Promotion Period which results in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all your other UOB current accounts and/or savings accounts as at 30 September 2020; and (iii) maintains such fresh funds in the new UOB account until 30 April 2021. Click here for full terms and conditions.

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.