UOB one card

[kurt111494]

Faster if you go to the bank. But not encouraged to go now....

My experience setting up GIRO for my POSB everyday card :

Went to POSB on 10 Dec 2019 in the afternoon. Got the GIRO form from the staff at queue counter. At the same time given a queue number when I said I wanted to submit form after completing it. Apparantly teller need to verify signature when I submit. Filled up the form while waiting.

Received SMS on 19 Dec from UOB that GIRO is approved on 18 Dec

But first GIRO deduction depends on your statement date and due date. My first statement date after approval is 6 Jan. Due date 28 Jan. First GIRO deducted successfully on 28 Jan.

Sorry but this question slipped my mind too...any minimum amount for a GIRO transaction to qualify for the UOB One account interest?

 

[Trazora]

Sorry but this question slipped my mind too...any minimum amount for a GIRO transaction to qualify for the UOB One account interest?

No minimum specified except that some GIRO need a minimum amount to be triggered e.g. uob card payment need min $10.01

 

[vsvs24]

Sorry but this question slipped my mind too...any minimum amount for a GIRO transaction to qualify for the UOB One account interest?

UOB One does not set min to qualify for the 3 GIRO transactions.

However, some billing organisations will not trigger GIRO below a certain amount. Eg IRAS no GIRO if below $10. That's why my property tax is for 10 mths in a year only.

For POSB Everyday card, my lowest amount for GIRO deduction so far is $8.37. M1 and Starhub my lowest deduction is between $5 and $10.

 

[sgreview]

Went to do it just now. But apparently due to Covid, it wasn't deemed as super important and I was told to fill up outside the branch lol. I just hope that everything is filled in correctly and it won't get rejected or something.

For my case, had to insist to get things done. Coz at first the front counter guy at the branch only passed the form and kept pointing to his board to EMPHASIZE that they cannot accept my form at the branch. But I actually asked their customer service via IB (before going down) and was told to submit the form at the branch! Anyway, after filling in the form, the prev guy was not around and I get to speak to another lady and in the end, she accepted my form, no issue. Sometimes, it's how the staff "interpret" their job scope.

 

[sgreview]

Faster if you go to the bank. But not encouraged to go now....

My experience setting up GIRO for my POSB everyday card :

Went to POSB on 10 Dec 2019 in the afternoon. Got the GIRO form from the staff at queue counter. At the same time given a queue number when I said I wanted to submit form after completing it. Apparantly teller need to verify signature when I submit. Filled up the form while waiting.

Received SMS on 19 Dec from UOB that GIRO is approved on 18 Dec

But first GIRO deduction depends on your statement date and due date. My first statement date after approval is 6 Jan. Due date 28 Jan. First GIRO deducted successfully on 28 Jan.

Thanks for sharing this, very useful. I hope the setup will be smooth, now awaiting for the SMS notification, hopefully can receive by this week.

On another note, I wanted to set up recurring payment using UOB One Card for Union Power (electricity retailer), but was informed that their office is closed as they are not consider "essential services", hence no one can process my form even if I mail in. So didn't mail out my form yet. Anyway, just checking if anyone is also using Union Power, is it true will get 1% rebate if on recurring payment on UOB One Card?

 

[vsvs24]

For my case, had to insist to get things done. Coz at first the front counter guy at the branch only passed the form and kept pointing to his board to EMPHASIZE that they cannot accept my form at the branch. But I actually asked their customer service via IB (before going down) and was told to submit the form at the branch! Anyway, after filling in the form, the prev guy was not around and I get to speak to another lady and in the end, she accepted my form, no issue. Sometimes, it's how the staff "interpret" their job scope.

Huh ? You mean they don't even want to take the form after completing and process it at the backend later ? That's bad.

Thought it is just don't allow to take Q number to see teller.

 

[kurt111494]

No minimum specified except that some GIRO need a minimum amount to be triggered e.g. uob card payment need min $10.01

This is interesting haha. I called the other banks where I have credit cards with and they mentioned there's no minimum transaction amount to trigger GIRO hmmm...

 

[twosix]

if there is a refund of $100 from the previous month, does it count towards the spend for this month? Eg, min spend is $500 per month, with the refund of $100, does this mean I need to spend $600 this month?

 

[kurt111494]

For my case, had to insist to get things done. Coz at first the front counter guy at the branch only passed the form and kept pointing to his board to EMPHASIZE that they cannot accept my form at the branch. But I actually asked their customer service via IB (before going down) and was told to submit the form at the branch! Anyway, after filling in the form, the prev guy was not around and I get to speak to another lady and in the end, she accepted my form, no issue. Sometimes, it's how the staff "interpret" their job scope.

Haha yes. This kinda makes me wonder if banks are actually able to have more efficient systems to process GIRO...doing all these manually seems to be a drain on time and labour costs...

Which also makes me wonder why UOB ibanking cant apply for GIRO with other organisations hmmm.

Other banks keep telling me "oh you can just do through UOB ibanking, no?" and then I can only reply "no...your bank/organisation can't be found in the dropdown list in UOB ibanking..." and then the bank officers will give me the shocked expression

 

[Trazora]

if there is a refund of $100 from the previous month, does it count towards the spend for this month? Eg, min spend is $500 per month, with the refund of $100, does this mean I need to spend $600 this month?

Yes refund negate the spending

 

[tsipacse]

Hi all, are lazada/shopeepay top ups considered legit spending to qualify for the UOB one card quarterly rebates?
TIA

 

[Chua Zhiming]

if there is a refund of $100 from the previous month, does it count towards the spend for this month? Eg, min spend is $500 per month, with the refund of $100, does this mean I need to spend $600 this month?

Same thing happened to me before so i checked with UOB, i got a refund of $200, so i had to spend $200 more during the same month of refund received.

eg.

March spend 2k, April got refund of $200 so April got to spend $2.2k

 

[Cumzilla]

Haha yes. This kinda makes me wonder if banks are actually able to have more efficient systems to process GIRO...doing all these manually seems to be a drain on time and labour costs...

Which also makes me wonder why UOB ibanking cant apply for GIRO with other organisations hmmm.

Other banks keep telling me "oh you can just do through UOB ibanking, no?" and then I can only reply "no...your bank/organisation can't be found in the dropdown list in UOB ibanking..." and then the bank officers will give me the shocked expression

yes, their IB platform sucks, 1 example is cannot track 'eligible' transactions and when you do not get the bonus interest the following month, have to call in and they will tell you blah blah blah is an exclusion for last month spending. Cannot understand they do not want to make their CSOs lives easier.

 

[sgreview]

Huh ? You mean they don't even want to take the form after completing and process it at the backend later ? That's bad.

Thought it is just don't allow to take Q number to see teller.

Ya, this was at DBS coz have to submit giro form to deduct from One Account, and the front desk staff kept insisting that the processing is not done at the branch and he can't accept because this does not fall under "ESSENTIAL SERVICES" (pointing multiple times to his board that indicate what are ESSENTIAL SERVICES), almost want to slap him!

Haha yes. This kinda makes me wonder if banks are actually able to have more efficient systems to process GIRO...doing all these manually seems to be a drain on time and labour costs...

Which also makes me wonder why UOB ibanking cant apply for GIRO with other organisations hmmm.

Other banks keep telling me "oh you can just do through UOB ibanking, no?" and then I can only reply "no...your bank/organisation can't be found in the dropdown list in UOB ibanking..." and then the bank officers will give me the shocked expression

Totally agree! When I checked with DBS CSO, she kept saying "oh, u can do it via your bank's internet platform!" and she is not wrong to assume that coz DBS can set up most GIRO easily over their IB platform! Really dunno why UOB not as efficient? If not efficient, why want to "force" us to go on GIRO to enjoy bonus interest? So troublesome to set up! Should take a leaf from SCB, bonus interest is given as long as bill payments are made, no need set up giro

 

[sgreview]

yes, their IB platform sucks, 1 example is cannot track 'eligible' transactions and when you do not get the bonus interest the following month, have to call in and they will tell you blah blah blah is an exclusion for last month spending. Cannot understand they do not want to make their CSOs lives easier.

I thought most banks don't have this feature to track 'eligible' transactions? Which bank IB platform got show this info?

 

[sgreview]

if there is a refund of $100 from the previous month, does it count towards the spend for this month? Eg, min spend is $500 per month, with the refund of $100, does this mean I need to spend $600 this month?

Yes, and u need to monitor when any refund comes in, coz similar to spendings, it's based on the posting date, e.g. the merchant took a long time to process a refund in the month of May and the refund only posted in the next statement, then you have to spend that $100 more in that statement which the refund is posted.

 

[Cumzilla]

I thought most banks don't have this feature to track 'eligible' transactions? Which bank IB platform got show this info?

ocbc 360...i think so haha

maybe i go and ask over at the ocbc thread

 

[Cumzilla]

Thanks for sharing this, very useful. I hope the setup will be smooth, now awaiting for the SMS notification, hopefully can receive by this week.

On another note, I wanted to set up recurring payment using UOB One Card for Union Power (electricity retailer), but was informed that their office is closed as they are not consider "essential services", hence no one can process my form even if I mail in. So didn't mail out my form yet. Anyway, just checking if anyone is also using Union Power, is it true will get 1% rebate if on recurring payment on UOB One Card?

for Union Power, cannot pay online by credit card?

now got $10 rebate by paying for 3 months until Sep, but dunno if need to set up recurring bill or can just charge to the card for 3 months...

https://www.uob.com.sg/utilities/in...0720:na:cvp_gift:pc-go&vid=purpleclick_google

 

[markietan]

I thought most banks don't have this feature to track 'eligible' transactions? Which bank IB platform got show this info?

dbs lifestyle app does a pretty good job at it, separates all transactions into different categories too based on mcc. but only good for specific spendings and the 'goal's keep increasing when u meet last mth's spending

 

[chopra]

Should be. SMART$ only overrides UNI$.

thank you. nice to knw that