UOB One Account
UOB · Project your annual interest at your balance, salary credit, and card spend.
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Overview
As of 12 June 2026, the UOB One Account projects up to 1.90% p.a. as a blend across stepped balance bands, not as a rate the whole balance earns. Card spend of S$500/month unlocks any bonus at all, a salary credit of S$1,600/month opens the upper bands, and the 3.40% p.a. top band pays only on the last slice of a balance held near S$150,000.
| Balance slice | Rate | Interest / yr |
|---|---|---|
| First S$75,000 | 1.00% | S$500 |
How the interest is structured
Bonus interest by balance band and qualifying activity, on the first S$150,000. Balance above the cap earns the 0.05% base rate.
| Balance band | Card spend | + 3 GIRO | + Salary |
|---|---|---|---|
| First S$75,000 | 0.65% | 1.00% | 1.00% |
| S$75,000–125,000 | 0.05% | 2.00% | 2.50% |
| S$125,000–150,000 | 0.05% | 0.05% | 3.40% |
| Above S$150,000 | 0.05% | 0.05% | 0.05% |
Bonus requirements
- check_circleEligible card spendCard spend ≥ S$500/month on an eligible UOB card — required for any bonus interest.
- check_circleSalary creditSalary credit ≥ S$1,600/month (GIRO/PayNow/FAST, ref “SALA”) — with card spend, unlocks the top bands (up to 3.40% p.a.).
- check_circle3 GIRO debit transactionsAlternative to salary: ≥ 3 GIRO debit transactions/month (with card spend) — unlocks up to 2.00% p.a.
Bonus interest is tiered by Monthly Average Balance and paid on the first S$150,000. Eligible card spend of S$500/month is a prerequisite for any bonus; crediting salary (≥ S$1,600) earns more than the 3-GIRO alternative. Maximum effective rate 1.90% p.a. on S$150,000 (card spend + salary). Base interest 0.05% p.a. on the whole balance.
Fees & charges
No annual fee. The conditional fees below are disclosed for transparency and never affect the projected interest.
- Fall-below fee (per month)
- S$5 if the monthly average balance is below S$1,000Waived for the first 6 months for accounts opened online
- Early account closure fee
- S$30 within 6 months of account opening
Frequently asked questions
How does bonus interest work on the UOB One Account?
Eligible card spend of S$500/month is the gate on the UOB One Account: with no qualifying card spend, no bonus interest is paid at all, whatever else the account does. Past that gate the bonus is paid in balance bands, and the band rate climbs with the balance rather than staying flat: on the salary path the first S$75,000 earns 1.00% p.a., while the slice between S$125,000 and S$150,000 earns 3.40% p.a. Which qualifying path is met also decides how far up the balance the bonus reaches: card spend alone reaches S$75,000, the GIRO alternative reaches S$125,000, and a salary credit of S$1,600/month or more reaches S$150,000.
What are the bonus interest requirements on the UOB One Account?
Card spend is the requirement the other two depend on; salary credit and the GIRO alternative are two routes off the same base step, and the higher of them applies: • Card spend ≥ S$500/month on an eligible UOB card — required for any bonus interest. • Salary credit ≥ S$1,600/month (GIRO/PayNow/FAST, ref “SALA”) — with card spend, unlocks the top bands (up to 3.40% p.a.). • Alternative to salary: ≥ 3 GIRO debit transactions/month (with card spend) — unlocks up to 2.00% p.a.
How far up the balance does the bonus on the UOB One Account reach?
Bonus interest is paid in balance tiers. Card spend alone earns bonus on the first S$75,000; adding 3 GIRO debits extends the bonus to S$125,000, and crediting your salary extends it to the full S$150,000. Any balance beyond your current tier earns the base rate.
What does it take to earn the most on the UOB One Account?
Two things have to line up on the UOB One Account, and one of them is the balance itself. The qualifying side is card spend ≥ S$500/month with a salary credit ≥ S$1,600/month. The other side is where the money sits: the 3.40% p.a. band pays only on the slice between S$125,000 and S$150,000, so a balance well under S$125,000 never touches it at all, and the blended figure of 1.90% p.a. is reached only at the cap with every step met.
How is the effective interest rate on the UOB One Account calculated?
Each slice of the balance is multiplied by the rate for its own band, the slices are added together, and the total is divided by the balance. The result sits between the band rates, never at the top one, which is why the headline figure is a blend and not a rate the whole balance earns. The 0.05% p.a. base rate takes over on anything above the top band, and on every dollar in a month the card-spend requirement is missed.
Does the UOB One Account have a minimum balance or fees?
Opening the UOB One Account needs an initial deposit of S$1,000. A fall-below fee of S$5 a month applies if the monthly average balance is below S$1,000 (waived for the first 6 months for accounts opened online), and closing the account within 6 months of account opening costs S$30.
Are the UOB One Account interest rates guaranteed?
No. Banks revise savings rates and qualifying rules regularly. On a banded account, a revision can move a band's rate or move the balance boundary the band starts at, and either one changes the blended rate without changing the qualifying steps. The figures on this page reflect UOB's published rates as of 12 June 2026 and are worth confirming on the issuer's own page before acting on them. This is information, not financial advice.
Last verified: 12 June 2026
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View cardCalculator limitations
- Your deposit balance is held constant for the full year.
- Every bonus requirement you select is assumed to qualify in each month.
- Bonus-interest caps reset monthly under each issuer’s own policy.
- Base and bonus rates are as of each account’s “Rates as of” date.
- No fall-below, early-closure, or account fees are modelled.
- A salary credit is counted only if it meets the issuer’s own GIRO / PayNow salary definition; a GIRO toggle assumes the issuer’s required number of GIRO transactions is met.
- Banks revise savings-account interest rates frequently.
- Promotional bonus rates expire and are not projected beyond their term.
- Category definitions and qualifying-transaction rules change over time.
- Interest compounding, crediting frequency, and rounding follow each issuer.
This output is an estimate generated from the inputs you entered. It is a projection, not a promise of returns. Figures may differ from what an issuer pays. Confirm current terms on each bank’s official page before acting on them.
See the SG Rates reference for sourced, date-stamped savings, SORA, and fixed-deposit figures.
Data last refreshedJune 2026
UOB governing terms: Official terms (PDF)