UOB ONE Account

[sohguanh]

Why not DBS MyAccount?

I already have DBS account. I want to diversify my ATM and apply IPO T-bill SSB bank so won't be held ransom say system down I still got OCBC or UOB

 

[Cumzilla]

Already have Trust but their ATM to withdraw cash is SC. In Spore ATM DBS most number. Next would be OCBC,UOB which I am after. I like to withdraw cash want to feel the notes in my hand at times.

ic, btw did u apply the credit card and then the saving account will be added or we will get the saving account only if we sign up the saving account with debit card?

 

[sohguanh]

ic, btw did u apply the credit card and then the saving account will be added or we will get the saving account only if we sign up the saving account with debit card?

I apply the savings account route so I got debit card. I got a few credit cards already so Trust credit card don't have also ok.

 

[Sambuca78]

what gonna happen after 15 days?? need to transfer funds to the account?? at how many percent also never stated

I got mine yesterday, cant remember how long it takes but it is less than 15 days.

 

[Cumzilla]

I apply the savings account route so I got debit card. I got a few credit cards already so Trust credit card don't have also ok.

Seem like won't have the saving account if choose the credit card option, how strange is that

 

[BTO_Brah]

Why not DBS MyAccount?

Will never in my life support that garbage bank and its garbage people and their garbage products again.

DBS' horrors aside, ONE is still pretty janky as an account though.

I actually do deposit my salary but I've never successfully done the rest of the weirdness to hit bonus interest since I got better cashback spending on credit cards and all my utility bills are under $50 for the 3-giro thing.

 

[celtosaxon]

Will never in my life support that garbage bank and its garbage people and their garbage products again.

DBS' horrors aside, ONE is still pretty janky as an account though.

I actually do deposit my salary but I've never successfully done the rest of the weirdness to hit bonus interest since I got better cashback spending on credit cards and all my utility bills are under $50 for the 3-giro thing.

I’ve been through horrors with each of the 3 local banks. I don’t think there is a least junky bank… they are just junkier in their own ways.

 

[joywen]

Just want to share a personal experience.

I have been using the UOB one credit card for my grab rides to satisfy the $500 CC spending criteria, and when I hit $500+, I will switch to another credit card. It happens that 3 of my rides taken in early August were counted as top-ups (when I just took the rides with credit card payment), and this resulted in me losing the bonus interest for One Account, as well as the rebate for the Credit Card.

I spent over an hour on the phone waiting for the UOB CSO to find out, so I thought I just share here to raise your awareness.

 

[maumu]

Just want to share a personal experience.

I have been using the UOB one credit card for my grab rides to satisfy the $500 CC spending criteria, and when I hit $500+, I will switch to another credit card. It happens that 3 of my rides taken in early August were counted as top-ups (when I just took the rides with credit card payment), and this resulted in me losing the bonus interest for One Account, as well as the rebate for the Credit Card.

I spent over an hour on the phone waiting for the UOB CSO to find out, so I thought I just share here to raise your awareness.

They're one difficult bank to work with to be sure... You have to be very diligent in checking and double checking your transactions to avoid ending up with ineligible transactions and downgrading your reward tier.

Else it can take months to appeal and also they don't bother to call back despite you writing in or leaving a message.

 

[joywen]

They're one difficult bank to work with to be sure... You have to be very diligent in checking and double checking your transactions to avoid ending up with ineligible transactions and downgrading your reward tier.

Else it can take months to appeal and also they don't bother to call back despite you writing in or leaving a message.

You are right. In my case, they just said they can't do anything about it. I'm thinking of using another credit card and bye bye to UOB One.

 

[vsvs24]

Just want to share a personal experience.

I have been using the UOB one credit card for my grab rides to satisfy the $500 CC spending criteria, and when I hit $500+, I will switch to another credit card. It happens that 3 of my rides taken in early August were counted as top-ups (when I just took the rides with credit card payment), and this resulted in me losing the bonus interest for One Account, as well as the rebate for the Credit Card.

I spent over an hour on the phone waiting for the UOB CSO to find out, so I thought I just share here to raise your awareness.

Just curious. Was the interest tracker for UOB One account accurate ? The so called ineligible transactions were excluded and it shows you are eligible for bonus interest ?

 

[workingfor$]

Hi all, just wish to check because I'm unfamiliar with the Uob One Card.

Are the Grab Food and Grab Car charges, that I charge to One Card, included in the minimum-$500 spending ?

Thanks in advance

 

[pohw0008]

Hi all, just wish to check because I'm unfamiliar with the Uob One Card.

Are the Grab Food and Grab Car charges, that I charge to One Card, included in the minimum-$500 spending ?

Thanks in advance

Yes.. grab food and grab car charges using uob one included in minimum spending. And have additional 5% if you clock for 3 months..

 

[joywen]

Just curious. Was the interest tracker for UOB One account accurate ? The so called ineligible transactions were excluded and it shows you are eligible for bonus interest ?

Yes, the tracker is accurate. I was lazy last month, I saw $530+ on my credit card spending in the front page and didn't click on the tracker. I thought confirm hit $500 cos I have always been using the UOB one card for Grab, Shopee and MRT/Bus only. It didn't occur to me that some of the Grab rides were billed with a different merchant code.

 

[yiron]

Just want to share a personal experience.

I have been using the UOB one credit card for my grab rides to satisfy the $500 CC spending criteria, and when I hit $500+, I will switch to another credit card. It happens that 3 of my rides taken in early August were counted as top-ups (when I just took the rides with credit card payment), and this resulted in me losing the bonus interest for One Account, as well as the rebate for the Credit Card.

I spent over an hour on the phone waiting for the UOB CSO to find out, so I thought I just share here to raise your awareness.

That is very surprising. Grab Top ups and Rides have different MCCs (and different description) and it should be automatically accounted for. U should appeal UOB to make good the shortfall in account interest and card rebate.

 

[maumu]

Yes, UOB has this irritating issue when their supposedly partners like Grab did not post the transactions with GRAB* and the bank decided it's not recognised as a Grab transaction. Likewise for Shopee and maybe others.

They rather make you appeal and wait for months before they decide to credit you the shortfall, which is, in my opinion, very petty for a bank. Either that or their quarterly system of cashback causes the long waiting time (because they can only 'close' the issue when the quarter is over).

You have to be very patient with them and don't mind waiting months for the outstanding cashback to be credited.

Very irritated with them already that I kinda stopped using their One card.

 

[item2sell]

Yes, UOB has this irritating issue when their supposedly partners like Grab did not post the transactions with GRAB* and the bank decided it's not recognised as a Grab transaction. Likewise for Shopee and maybe others.

They rather make you appeal and wait for months before they decide to credit you the shortfall, which is, in my opinion, very petty for a bank. Either that or their quarterly system of cashback causes the long waiting time (because they can only 'close' the issue when the quarter is over).

You have to be very patient with them and don't mind waiting months for the outstanding cashback to be credited.

Very irritated with them already that I kinda stopped using their One card.

I am stopping UOB one card after this month

 

[vsvs24]

Yes, the tracker is accurate. I was lazy last month, I saw $530+ on my credit card spending in the front page and didn't click on the tracker. I thought confirm hit $500 cos I have always been using the UOB one card for Grab, Shopee and MRT/Bus only. It didn't occur to me that some of the Grab rides were billed with a different merchant code.

Don't give up. Appeal for both the bank interest and credit card rebate.

The problem is with Grab actually. You are not the only one so they should know it is a known problem.

I have encountered this weird thing by Grab also but fortunately my total card spending was higher than $500 after excluding these "ineligible" transactions so did not affect my card rebate or interest.

 

[sohguanh]

Either that or their quarterly system of cashback causes the long waiting time (because they can only 'close' the issue when the quarter is over)

Very irritated with them already that I kinda stopped using their One card.

Quarterly then pay the rebate wow! Thanks for sharing. I have been controlling myself not to use this card for years

 

[chiokcc]

Personally, I aiming to get bonus interest, and not so concern with quarterly rebate as the latter is more difficult to track.

So just aim to hit $500 under the interest tracker, together with salary crediting can already ....