UOB ONE Account

[lupster]

Hello there,

New to giro payments and hope to get a noob question answered. Thanks in advance!

If setup is done to pay my UOB credit card bill in full through giro and I have already paid a bulk of the outstanding amount, $1900 out of $2000, through AXS and only $100 is left unpaid, will giro still be triggered to settle that $100? Or will giro deduct the full $2000?

 

[Trazora]

Hello there,

New to giro payments and hope to get a noob question answered. Thanks in advance!

If setup is done to pay my UOB credit card bill in full through giro and I have already paid a bulk of the outstanding amount, $1900 out of $2000, through AXS and only $100 is left unpaid, will giro still be triggered to settle that $100? Or will giro deduct the full $2000?

Giro deduct $100 if the $1900 was paid a few days before

 

[yantao]

Anyway to find out if industry specific certification providers like Scaled Agile (SAFe), PMI PMP, Microsoft, AWS, etc are considered under education institutions?
Need to renew some certifications & foreign currency payment.

Exclusions
5.1 The following Card Transactions (collectively referred to as the “Exclusions”) do not qualify to earn any
Quarterly Cash Rebates or Base Cash Rebates. The Bank reserves the right to amend the list set out below
from time to time without any prior notice or giving any reason or being liable to any party.:--
(a) any cash advances;
(b) any interest, fees and charges (including without limitation, late payment charges or interest
charges, annual or monthly fees or charges) imposed by the Bank;
(c) balance and/or funds transfers to or from the Card Account;
(d) any credit card transaction that was subsequently cancelled, voided or reversed for any reason;
any other transactions as may be prescribed by the Bank;
(e) any payments made to government institutions and services (for example, court costs, fines, bail
and bond payments, tax payment, postal services, intra-government purchases and any other
government services not classified here)
(f) any payment made to charitable/religious organizations;
(g) monthly instalments under 0% Instalment Payment Plan and SmartPay;
(h) any payment to educational institutions, with effect from 1 September 2019;
(i) any payment made on gambling or trading platforms (including but not limited to websites for
trading of shares, foreign currency and cryptocurrency);
(j) any payment of funds to any prepaid accounts including without limitation,:-
(i) top-ups made for any pre-paid card;
(ii) payment of funds to any prepaid accounts;
(k) any transactions made with the following transaction descriptions:

 

[markyII]

Can check if giro payment to pay my education loan at other bank is counted as one giro transaction?

And is there any minimum amount for the giro transaction to be counted?

 

[aweekiat]

Hi guys, am relatively new to all these giro transactions. In the AIA Interbank Giro form I am able to write multiple policy numbers.

Assuming I have two policies, if i write both policy numbers in a single interbank giro form, will the monthly insurance premium be combined and considered as 1 giro transaction? Which means that in order for it to be considered as 2 different giro transactions, I have to submit two giro forms with a single policy number in each form, OR will it be deducted separately and count as 2 giro transactions?

Thank you!

 

[Jyvonchi]

Hi guys, am relatively new to all these giro transactions. In the AIA Interbank Giro form I am able to write multiple policy numbers.

Assuming I have two policies, if i write both policy numbers in a single interbank giro form, will the monthly insurance premium be combined and considered as 1 giro transaction? Which means that in order for it to be considered as 2 different giro transactions, I have to submit two giro forms with a single policy number in each form, OR will it be deducted separately and count as 2 giro transactions?

Thank you!

Just submit 1 form
It’ll consider as 2 GIRO translations

 

[Mickey01]

Hi guys, am relatively new to all these giro transactions. In the AIA Interbank Giro form I am able to write multiple policy numbers.

Assuming I have two policies, if i write both policy numbers in a single interbank giro form, will the monthly insurance premium be combined and considered as 1 giro transaction? Which means that in order for it to be considered as 2 different giro transactions, I have to submit two giro forms with a single policy number in each form, OR will it be deducted separately and count as 2 giro transactions?

Thank you!

I think it depends on the insurance company and the premiums due date. I have 2 policies with the same insurance company and the premium due date is the same day. It is reflected in my bank account as single GIRO lump sum deduction

 

[chiokcc]

https://forums.hardwarezone.com.sg/122052523-post3987.html

B.U.M.P. for info

Bonus interest from 01 August 2018 if you satisfy the required conditions and have ADB of $75k in the account :
($4.903)×(no of days in the month)

28 days in the month = $137.27
29 days in the month = $142.18
30 days in the month = $147.08
31 days in the month = $151.98

B.U.M.P. for info

 

[ice_angel]

Interest is in!

 

[kakashixx]

Hello, have been reading through the forum and just to consolidate and make it clear the difference between UOB One Account Interest and UOB One Card Rebates.

Account Interest:
3 Giro transactions to Account (not CC)
- ok to link it to institutions in the exclusion list for UOB One card.
$500 Credit Card Spend.

For this im doing:
- IRAS
- Keppel Electric
- Town Council

Card Rebates:
5 Credit Card transactions - $500/$1k/$2k
(institutions in the exclusion list does not count into the transaction count or the total expenditure)

For this im doing GIRO for
- M1 Bill
- Insurance
- SP utilities bill (additional rebate)

And lastly, auto-topup of Grab Credits using this card (additional rebate)

all the experts correct me i made any mistakes. otherwise, this should be helpful.

 

[item2sell]

Hello, have been reading through the forum and just to consolidate and make it clear the difference between UOB One Account Interest and UOB One Card Rebates.

Account Interest:
3 Giro transactions to Account (not CC)
- ok to link it to institutions in the exclusion list for UOB One card.
$500 Credit Card Spend.

For this im doing:
- IRAS
- Keppel Electric
- Town Council

Card Rebates:
5 Credit Card transactions - $500/$1k/$2k
(institutions in the exclusion list does not count into the transaction count or the total expenditure)

For this im doing GIRO for
- M1 Bill
- Insurance
- SP utilities bill (additional rebate)

And lastly, auto-topup of Grab Credits using this card (additional rebate)

all the experts correct me i made any mistakes. otherwise, this should be helpful.

Tip:
Put the lowest bill in your UOB one account for giro.

 

[luvalist]

The 3 giro can be cc right?

Anyway put more giro as backup. In case some months don’t have giro deductions.

 

[xPastx]

Would applying giro payment for uob one cc count as well?

Since cc bills cant be paid with grabpay at axs, would it be a better idea to giro cc bills instead?

Also anyone applied giro to pay cc of other banks from uob one account?

Another thing to note is that since they calculate using MAB, got to top back the bill amount to balance out ur funds to optimise the interest.

Tip:
Put the lowest bill in your UOB one account for giro.

 

[item2sell]

Yes. Good idea to use cc as giro

 

[shpesft]

I have standing Giro application to pay for OCBC, DBS and Maybank CC using UOB One account

Need to ask the various banks for the Giro forms

Would applying giro payment for uob one cc count as well?

Since cc bills cant be paid with grabpay at axs, would it be a better idea to giro cc bills instead?

Also anyone applied giro to pay cc of other banks from uob one account?

Another thing to note is that since they calculate using MAB, got to top back the bill amount to balance out ur funds to optimise the interest.

 

[saintgtril]

Hi all, a question, how do i set some notifications (what notification are possible?) after my GIRO already takes place?

A lot of times, i only came to know the next day after i login manually to check my UOB one account. As a result, My One account interest's is not the maximized.

 

[sylves]

do anyone know if i setup giro to repay uob cc from uob one acct, will it consider as meeting their giro criteria?

 

[aldophia]

Use your uob one card to giro the keppel electric bill to get 5% rebate. Set up giro to pay your uob one card bill to make up for the 3rd giro transaction.

Hello, have been reading through the forum and just to consolidate and make it clear the difference between UOB One Account Interest and UOB One Card Rebates.

Account Interest:
3 Giro transactions to Account (not CC)
- ok to link it to institutions in the exclusion list for UOB One card.
$500 Credit Card Spend.

For this im doing:
- IRAS
- Keppel Electric
- Town Council

Card Rebates:
5 Credit Card transactions - $500/$1k/$2k
(institutions in the exclusion list does not count into the transaction count or the total expenditure)

For this im doing GIRO for
- M1 Bill
- Insurance
- SP utilities bill (additional rebate)

And lastly, auto-topup of Grab Credits using this card (additional rebate)

all the experts correct me i made any mistakes. otherwise, this should be helpful.

 

[kakashixx]

Use your uob one card to giro the keppel electric bill to get 5% rebate. Set up giro to pay your uob one card bill to make up for the 3rd giro transaction.

i prefer not to giro my cc, i need to consciously know how much im spending haha.

 

[shpesft]

Don’t think there are any notifications about pending Giro transactions. There are 2-3 ways about it:

1. Look at past month Giro transactions and transfer in the sum 1-2 days or on the same day as the Giro transaction (this is what I do)

2. After the Giro transaction is recorded on the next day, transfer in double the Giro amount to hit the max account of UOB One account. Then transfer the extra amount out on the next day. This will ensure the average UOB One balance remains at the max amount.

If your Giro amount is $100, your account will be less $100 from max amount for interest. transfer in $200 the next day from Giro debit so average account balance remains at max amount. Then transfer out the additional $100 on the third day.

Hi all, a question, how do i set some notifications (what notification are possible?) after my GIRO already takes place?

A lot of times, i only came to know the next day after i login manually to check my UOB one account. As a result, My One account interest's is not the maximized.