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Find out moreSkip to higher interest of up to 5.3% p.a. interest in just two steps. T&Cs apply. Insured up to S$100k by SDIC.
Find out moreGet instant cash at 0% interest and low processing fees. Enjoy S$100 cash rebate* on your approved loan amount!
Find out moreInvest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
Learn moreJoin us for exciting Pokémon experiences and learn about insurance solutions designed to grow with your family.
Find out more Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Reward. Make TMRW yours.
you are in Personal Banking
You can conveniently make regular payments through GIRO for your personal income tax, substantial school and miscellaneous fees, rentals, season parking and more!
From now till 30 June 2025, be rewarded with S$30 cash reward when you pay your bills via GIRO with UOB.
Category | Key Billing Organisations |
Telco | • Singapore Telecommunication Limited • Starhub Ltd |
Utilities | • Senoko Energy Supply Pte Ltd • SP Services Limited • Tuas Power Supply Pte Ltd |
Government/Statutory Board | • Central Provident Fund Board • Housing and Development Board • Inland Revenue Authority of Singapore • Ministry of Education • Ministry of Manpower • Chua Chu Kang Town Council |
Insurance Companies | • AIA Singapore Private Limited • Etiqa Insurance Pte Ltd • FWD Singapore Pte Ltd • Singapura Finance Ltd • The Great Eastern Life Assurance Company Limited • Tokio Marine Life Insurance Singapore Ltd |
Education | • Busy Bees Singapore Pte Ltd • Carpe Diem Childcare Resort Pte Ltd • Mulberry Learning Centre Pte Ltd • NTUC My First Skool Limited • The Little Skool-House International Pte Ltd |
Simply login to your UOB Personal Internet Banking and click on “Apply For” > Select “GIRO Arrangement” > Key in the required details and submit your application.
Skip to higher interest in just two steps.
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
Skip to higher interest in just two steps.
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
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$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 1.90% 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 3.30% 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.
Maximum Effective Interest Rate (EIR) on the Stash Account is 3% p.a. for deposits of S$100,000, provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. Terms and Conditions apply.
Find out more at KrisFlyer UOB Debit Card & Account.
Stay connected on your travels with extra savings on ChangiWiFi.
Payment must be made with KrisFlyer UOB Debit Card at Changi Recommends counter. Limited to one redemption per calendar year per cardmember. Offer is subject to WiFi router availability.
Enjoy savings on airport transfers with S$10 off Grab rides to or from the airport with promo code: KFUOB
Valid for Grab ride to or from Singapore Changi Airport with promo code KFUOB. Payment for the ride must be made with a KrisFlyer UOB Debit Card via the Grab mobile application. Valid on all Grab rides except GrabShuttle and GrabHitch. Limited to one redemption per half yearly per cardmember.
GIRO is an automated electronic payment service. It allows you to make hassle-free monthly recurring payments to your billing organisations simply with a one-time sign-up.
GIRO provides an avenue for you to make automated monthly recurring payments to your billing organisations. For Bill Payment, it provides the convenience for you to make a one-time payment instantly and securely through UOB TMRW. You may also schedule your payment date to pay immediately or preset to avoid incurring late fees.
You may contact your billing organisation(s) to check on the status of your GIRO application.
For all GIRO application through UOB Personal Internet Banking, it will be verified by the Bank and forwarded to the respective billing organisation(s) for processing. For eGIRO submission via the billing organisation, application will be processed within 7 working days from date of receipt from the billing organisation.
Please be advised to continue paying your bills via alternative payment options until you have been notified by your billing organisation on the successful GIRO application.
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.
For customers who participate in the UOB SalaryPlus Promotion (1 April 2025 to 30 June 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 April 2025 to 30 June 2025, both dates inclusive, to receive the following cash reward:
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.
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 October 2024 to 31 March 2025, will not be eligible to participate in this Promotion.
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.
eGIRO is a nationwide initiative that digitises the GIRO application process with the aim of significantly reducing turnaround time through an efficient and secured platform. You can now apply for eGIRO in real time via any participating billing organisation’s website. Access to eGIRO payment arrangement to close to 300 billing organisations.
A 6% tax payment rebate is applicable to personal taxes paid between 1 April 2025 and 31 March 2026, provided that customers (i) hold a One Account as the primary accountholder with minimum monthly average balance (MAB) of S$30,000, (ii) register their mobile number for PayNow, (iii) setup money lock (minimum amount of $1) as the primary accountholder, and (iv) pay their IRAS personal income and/or property taxes through monthly GIRO from their One Account. For customers holding a UOB Child Development Account in addition to meeting the above criteria, the tax payment rebate is 6.5%. The tax payment rebate is capped at S$10, S$25 and S$50 per month, based on minimum One Account MAB of S$30,000, S$75,000 and S$150,000 respectively. Customers can enjoy a maximum of S$600 tax payment rebate over 12 months. Full terms and conditions apply.
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