UOB ONE Account

[Baymax12]

Anyone knows if Car insurance premium qualify for the $500 card spend?

 

[sglandscape]

Anyone knows if Car insurance premium qualify for the $500 card spend?

Should be since insurance is counted.

 

[arthur64]

Cannot. The amount will be deducted from your UOB One a/c so you cannot withdraw.

Thought we can go just to branch for premature termination to the promotion and forfeit the approx. 7 months interest? if really cannot those in need of sudden urgent cash will get stuck..

 

[Wingst]

Thought we can go just to branch for premature termination to the promotion and forfeit the approx. 7 months interest? if really cannot those in need of sudden urgent cash will get stuck..

Would think so too but seems TNC did mention this?

 

[chiokcc]

UOB Stash increase interest rates ....

With effect from 1st November 2026, we will be revising the interest rates for the UOB Stash Account. Current total interest p.a.1 Account Monthly Average Balance (MAB) 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 0.05% 1.35% 1.40% Next S$30,000 0.05% 1.55% 1.60% Next S$30,000 0.05% 1.95% 2.00% Above S$100,000 0.05% 0.00% 0.05% Revised total interest p.a.2 Account Monthly Average Balance (MAB) 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 0.05% 1.45% 1.50% Next S$30,000 0.05% 1.85% 1.90% Next S$30,000 0.05% 2.95% 3.00% Above S$100,000 0.05% 0.00% 0.05% The existing bonus interest qualifying criteria for UOB Stash Account will remain unchanged, providing you with a simple and rewarding way to grow your savings with us. Simply maintain or increase your Monthly Average Balance3 (MAB), as compared to the previous month to qualify for the bonus interest. There is no lock-in period so you can enjoy the flexibility of withdrawing your funds anytime, as long as you top up before the month ends to maintain your MAB. Manage and keep track of your money with UOB TMRW app to find out the required top up amount balance to maintain for the month to earn bonus interest. With this revision, you can continue to maximise your savings in your UOB Stash Account to earn up to S$1,920 total interest in a year for a deposit balance of S$100,000. Thank you for your continued support. Stay safe with these measures The best line of defence to fight scams effectively is still public’s vigilance. Please follow these measures to protect yourself. Protect your savings with Money Lock Set a Money Lock amount in your existing UOB accounts to protect your savings against digital scams and unauthorised transfers/withdrawals while continuing to earn interest. Unlock in-person at any UOB ATM in Singapore. You may still participate in the UOB Level Up Your Savings Promotion even if you have set up Money Lock on your account. Set your Transaction Alert Preference Receive real-time notifications so that you will be alerted for any unauthorised transaction, and choose how you would like to be notified (via SMS or email). Terms & Conditions Total interest is equivalent to Base Interest plus current Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$100,000 in your Stash Account. 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. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month. 1Current Maximum Effective Interest Rate (EIR) on the Stash Account is 1.50% 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. 2Revised Maximum Effective Interest Rate (EIR) on the Stash Account is 1.92% 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. 3Monthly 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. If the difference is zero or higher and your MAB is more than S$10,000, you would have met the criteria to enjoy bonus interest. Month 2 MAB – Month 1 MAB ≥ 0 Insured up to S$100k by SDIC.

 

[tehhalia]

Hopefully one account follow suit.

 

[koolkool]

Hopefully one account follow suit.

Yes yes. I second this. There is more work to achieve the same eir for one account and it is now the same as stash account. Giving UOB more business via salary crediting and credit card spend. The interest rate should be in sync with the liquidity and business we are giving to the bank. Hahaha...

 

[chiokcc]

Repeating post to share here :

Computed bonus interest for the first $150k principal amount (average daily balance),
and meet $500 card spend & $1.6k salary :

From 1st Dec 2025 onwards

28 days in the month = $212.87 (verified for February)
29 days in the month = $220.47 (not yet verify)
30 days in the month = $228.08 (verified for April, June, etc.)
31 days in the month = $235.68 (verified for December, January, March, etc.)

For those who has no salary credit to UOB one account, but still satisfy $500 credit card spend and 3 GIRO deductions in a calendar month, the bonus interest on only the first $125k are as such :

28 days in a month : $129.45
30 days in a month : $138.69
31 days in a month : $143.32

Disclaimer : actual amounts may differ by a few cents due to rounding off, pls refer to bank for eventual amounts .....

Old bonus interest. pls see
https://forums.hardwarezone.com.sg/threads/uob-one-account.5037662/post-157941641

 

[ericcsn]

Repeating post to share here :

Computed bonus interest for the first $150k principal amount (average daily balance),
and meet $500 card spend & $1.6k salary :

From 1st Dec 2025 onwards

28 days in the month = $212.87 (verified for February)
29 days in the month = $220.47 (not yet verify)
30 days in the month = $228.08 (verified for April, June, etc.)
31 days in the month = $235.68 (verified for December, January, March, etc.)

For those who has no salary credit to UOB one account, but still satisfy $500 credit card spend and 3 GIRO deductions in a calendar month, the bonus interest on only the first $125k are as such :

28 days in a month : $129.45
30 days in a month : $138.69
31 days in a month : $143.32

Disclaimer : actual amounts may differ by a few cents due to rounding off, pls refer to bank for eventual amounts .....

Old bonus interest. pls see
https://forums.hardwarezone.com.sg/threads/uob-one-account.5037662/post-157941641

Oct Bonus Interest is in $235.68 - QED

 

[Panerex]

For now, i shall stick with UOB One for $150K since i am meeting the requirements, receiving $50 tax rebate and spending $600 per month on UOB One credit card.

This makes my EIR to be 2.3% pa for the UOB One account.

 

[sglandscape]

For now, i shall stick with UOB One for $150K since i am meeting the requirements, receiving $50 tax rebate and spending $600 per month on UOB One credit card.

This makes my EIR to be 2.3% pa for the UOB One account.

Only makes sense if you benefit from the UOB One card, otherwise DBS offers better rates and a lot easier and no min spend.

 

[j123123]

For now, i shall stick with UOB One for $150K since i am meeting the requirements, receiving $50 tax rebate and spending $600 per month on UOB One credit card.

This makes my EIR to be 2.3% pa for the UOB One account.

May I know how to get EIR 2.3%? thanks.

 

[j123123]

May I know how to get EIR 2.3%? thanks.

Ah, got it, (150000*1.9%+50*12) / 150000 = 2.3%.

 

[arthur64]

Only makes sense if you benefit from the UOB One card, otherwise DBS offers better rates and a lot easier and no min spend.

Dbs multiplier?

 

[sglandscape]

Dbs multiplier?

Yes, 2.2% is easy achieve. With minimal effort could get up to 4.1%. Much better than UOB 1.9%, only that it's capped at 100k

 

[maumu]

those of you who still clocks $600/$1000/$2000 monthly for quarterly cashback, do you see the $60/$100/$200 rebate reflected in your app or online banking UI (which was revamped recently) at the start of the new quarter?

 

[arthur64]

those of you who still clocks $600/$1000/$2000 monthly for quarterly cashback, do you see the $60/$100/$200 rebate reflected in your app or online banking UI (which was revamped recently) at the start of the new quarter?

I usually don't check online or in app but I do receive sms notification on the cashback rebate amount on the following month end after the quarter. Also still receiving monthly paper statement

 

[ericcsn]

those of you who still clocks $600/$1000/$2000 monthly for quarterly cashback, do you see the $60/$100/$200 rebate reflected in your app or online banking UI (which was revamped recently) at the start of the new quarter?

The reward is reflected in your UOB one card, not your bank account.

The quarter starts differently depending on when u successfully clocked for 3 consecutive months.
Note the following:
1. that some transactions which counts as legitimate spending towards earning bonus for your UOB 1 account do not count as valid spending in the case of UOB one credit card (an example is insurance).
2. that the start date of the credit card count is not necessarily the same as the calendar date. IIRC it was related to when you first received the card. You have to call UOB to tell them to reset the start date to the 1st of the month to avoid an issue of over and under spending when you don't really know when this date is.