UOB ONE Account

[chiokcc]

https://www.uob.com.sg/assets/web-r...ion-of-interest-rates-for-uob-one-account.pdf

If you are on card spend of $500 and 3 GIRO, no change in effective interest, only affect those on salary crediting .....

 

[chiokcc]

Repeating post to share here :

Computed bonus interest for the first $150k principal amount (average daily balance) :

From 1st May 2025 to end-August 2025,

28 days in the month = $373.97 (no chance to verify)
29 days in the month = $387.32 (no chance to verify)
30 days in the month = $400.68 (verified for June2025)
31 days in the month = $414.04 (verified for May2025)

From 1st Sep 2025 till end-Nov 2025

28 days in the month = $281.91 (not yet verified)
29 days in the month = $291.98 (not yet verified)
30 days in the month = $302.05 (verified for Sep2025)
31 days in the month = $312.12 (not yet verified)

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

Bonus for Oct 2025 should be in on Monday or Tuesday .....

 

[reddevil0728]

Wa, slowly one bye one all will start cutting. And the cuts frankly quite steep. This is like heat water slow cook frog.

lol what you mean one by one start cutting.

thought happening for sometime.

you mean cut again?

 

[vsvs24]

If you are on card spend of $500 and 3 GIRO, no change in effective interest, only affect those on salary crediting .....

Because they know they did not attract the clientele that they wanted.

So switch strategy to give cash rebates for income tax instead.

 

[Panerex]

If you are on card spend of $500 and 3 GIRO, no change in effective interest, only affect those on salary crediting .....

So if I meet card spend, on 3 Giro and also salary credit, the EIR remains at 2.5% for $150K?

 

[chiokcc]

So if I meet card spend, on 3 Giro and also salary credit, the EIR remains at 2.5% for $150K?

no... either

$500 spend and 3 GIRO
or
$500 spend and salary crediting = ~1.9% pa for $150k

 

[chiokcc]

https://sethisfy.com/nerfed-uob-one...-interest-at-1-90-p-a-from-1st-december-2025/

 

[chiokcc]

https://milelion.com/2025/11/01/uob...interest-rates-to-1-9-p-a-from-december-2025/

 

[chiokcc]

UOB is closing the gap for the absolute bonus interest

1. $500 spend and 3 GIRO (up till $125k)

2. $500 spend and salary crediting (up till $150k)

Although (1.) still higher due to the higher EIR and $25k higher principal limit.....

 

[sellbuyboy]

1.9% still the highest among all?

 

[DevilPlate]

Jialat
both One and stash added up cost us 1.4k poorer annually

1 less Malaysia trip

 

[DevilPlate]

1.9% still the highest among all?

Among what?

a little too low compared to no frills easaver and relatively easy to clock DBS multiplier (2.1%-4.1%)

 

[sellbuyboy]

Among what?

a little too low compared to no frills easaver and relatively easy to clock DBS multiplier (2.1%-4.1%)

2.1 need 2 types of transcation wor.

 

[DevilPlate]

2.1 need 2 types of transcation wor.

Vy easy to clock.

buy cheap cheap insurance plus no min spending or invest $100 rsp plus no min spending.

UOB One require $500 spending which can be huge for some liao.

 

[point_blank]

Vy easy to clock.

buy cheap cheap insurance plus no min spending or invest $100 rsp plus no min spending.

UOB One require $500 spending which can be huge for some liao.

Can share what insurance you bought? Interested to jump over from UOB. Thanks!

 

[DevilPlate]

Can share what insurance you bought? Interested to jump over from UOB. Thanks!

Try browsing dbs multiplier thread and their website first.

Then clear/post your queries on that thread.

 

[iadpotato]

so far the rates i getting for bank accounts from best to worst

Multiplier - 4.1%
ONE - 2.5% (1.9% from 1 Dec)
Smart Saver - 1.6%
GoSavers - 1.3%
Mari Savings - 1.28%
OCBC CDA account for my monsters - 1.2% for first 10k and 2.4% for amounts 10k onwards.
Basic savings account with DBS for daily transacting and my SRS account - 0.05%

Didn't use 360 as i find the $500 increment kinda dumb. Also didn't use Bonus$aver as I find their criteria not realistic and I am also not a fan of the bank.

 

[wira]

If you are on card spend of $500 and 3 GIRO, no change in effective interest, only affect those on salary crediting .....

Isnt "salary crediting" easier to fulfil and can get higher rates than 3 GIRO ?

 

[DevilPlate]

so far the rates i getting for bank accounts from best to worst

Multiplier - 4.1%
ONE - 2.5% (1.9% from 1 Dec)
Smart Saver - 1.6%
GoSavers - 1.3%
Mari Savings - 1.28%
OCBC CDA account for my monsters - 1.2% for first 10k and 2.4% for amounts 10k onwards.
Basic savings account with DBS for daily transacting and my SRS account - 0.05%

Didn't use 360 as i find the $500 increment kinda dumb. Also didn't use Bonus$aver as I find their criteria not realistic and I am also not a fan of the bank.

Whats OCBC CDA?

2.4% damn good lol

 

[reddevil0728]

Whats OCBC CDA?

2.4% damn good lol

Child Development Account