Is the UOB One Account SDIC-insured?

Yes. The UOB One Account is SDIC-insured up to S$100,000 per depositor per member bank.

UOB One Account

Q: What is the interest rate on the UOB One Account?

The UOB One Account pays a base rate of 0.05% p.a., up to 1.9% p.a. with bonus tiers. Base 0.05% p.a. Bonus tiers (spend S$500 + salary credit S$1,600): first S$75,000 +0.95% (1.00% total), next S$50,000 +2.45% (2.50%), next S$25,000 +3.35% (3.40%), above S$150,000 0.05%. Max EIR 1.90% p.a. on S$150,000 with S$500 card spend + min S$1,600 salary credit (or 3 GIRO debits, which caps at lower tier). Rates revised 1 December 2025. Verified 4 Sept 2026 against the official United Overseas Bank (UOB) website.

United Overseas Bank (UOB) · Singapore · Verified 4 Sept 2026

BASE RATE

0.05% p.a.

MAX RATE (ALL TIERS)

1.9% p.a.

BALANCE CAP

S$150,000 (bonus interest up to S$150,000)

■ BONUS TIER REQUIREMENTS

Salary credit REQUIRED — min S$1600/mo

Card spend REQUIRED — min S$500/mo

Bill payments (GIRO) REQUIRED — 3 bills

Insurance / investments via bank NOT REQUIRED

SDIC insured YES — S$100,000 per depositor per member bank

Minimum balance S$1,000 minimum initial deposit and monthly average balance

Monthly fee S$5 fall-below fee if monthly average balance below S$1,000 (waived first 6 months for online applications)

HOW THE RATE WORKS

Base 0.05% p.a. Bonus tiers (spend S$500 + salary credit S$1,600): first S$75,000 +0.95% (1.00% total), next S$50,000 +2.45% (2.50%), next S$25,000 +3.35% (3.40%), above S$150,000 0.05%. Max EIR 1.90% p.a. on S$150,000 with S$500 card spend + min S$1,600 salary credit (or 3 GIRO debits, which caps at lower tier). Rates revised 1 December 2025.

SOURCE

https://www.uob.com.sg/personal/online-rates/singapore-dollar-deposit-rates.page

UOB official Singapore Dollar Deposit Rates page (One Account table: base 0.05%, bonus 0.95%/2.45%/3.35%, max EIR 1.90% on S$150,000 with S$500 spend + S$1,600 salary credit) + uob.com.sg/personal/save/everyday-accounts/one-account.page (S$1,000 min balance, S$5 fall-below fee)

Verified 4 Sept 2026. Rates change — always confirm on the official site.