UOB One Account interest rate will be revised with effect from 1st September 2025. The UOB One Account is a high-interest savings account designed for individuals with consistent income and spending habits. It currently offers up to 5.30% per annum interest when users meet two simple criteria: crediting a minimum monthly salary of S$1,600 and spending at least S$500 on eligible UOB credit or debit cards. Unlike other accounts with complex tiers, UOB One simplifies the process, making it easier to earn bonus interest. The account supports balances up to S$150,000, with effective interest rates capped at 3.30% per annum. It is ideal for fuss-free savers who want to maximize returns without juggling multiple banking requirements.
UOB One Account interest rates revision is similar to other banks such as OCBC who had already slashed their interest rates earlier this month to align with long-term interest rate environment expectations. Another popular UOB savings account, UOB Stash Account also revised its interest rates in August. With the revised interest rates, is UOB One Account still attractive? Let us take a look further below on UOB One Account current interest rates and the upcoming revised interest rates.
UOB One Account Interest Rate (Current)
There are only two simple steps to earn up higher interests a year.
Below are UOB One Account’s bonus interest rates you can earn if you fulfil the conditions.
| Account balance in your UOB One Account | Meet Card Spend of min. S$500 (calendar month) | Meet Card Spend of min. S$500 AND make 3 GIRO debit transactions |
Meet Card Spend of min. S$500 AND credit salary |
| First S$75,000 | 0.65% | 1.50% | 2.30% |
| Next S$50,000 | 0.05% | 2.50% | 3.80% |
| Next S$25,000 | 0.05% | 0.05% | 5.30% |
| Above S$150,000 | 0.05% | 0.05% | 0.05% |
UOB One Account Interest Rate (Revised)
Despite the revision to UOB One Account’s interest rates, there will be no change to the existing qualifying criteria to keep your savings routine simple.
| Account balance in your UOB One Account | Meet Card Spend of min. S$500 (calendar month) | Meet Card Spend of min. S$500 AND make 3 GIRO debit transactions |
Meet Card Spend of min. S$500 AND credit salary |
| First S$75,000 | 0.65% | 1.00% | 1.50% |
| Next S$50,000 | 0.05% | 2.00% | 3.00% |
| Next S$25,000 | 0.05% | 0.05% | 4.50% |
| Above S$150,000 | 0.05% | 0.05% | 0.05% |
How Much Interest Will S$150K Earn You?
UOB One Account supports balances up to S$150,000. You may earn up to S$3,750 interest a year with a S$150,000 balance in One Account by simply fulfilling the same two criteria – i.e. by spending a minimum of S$500 on selected debit/credit cards and crediting at least S$1,600 of your monthly salary via GIRO/PAYNOW (with the transaction reference code “SALA” / “PAYNOW SALA”).
Based on deposits of S$150,000 and you meet both criteria of S$500 eligible card spend AND a minimum S$1,600 salary credit, the revised effective interest rates is 2.50% per annum. This is down from the previous effective interest rate of 3.30% per annum.
| Account balance in your UOB One Account | Meet Card Spend of min. S$500 | Meet Card Spend of min. S$500 AND make 3 GIRO debit transactions |
Meet Card Spend of min. S$500 AND credit salary |
| S$75,000 | S$487.50 | S$750.00 | S$1,125.00 |
| S$120,000 | S$512.50 | S$1,750.00 | S$2,625.00 |
| S$150,000 | S$525.00 | S$1,762.50 | S$3,750.00 |
My Opinion of UOB One Account Interest Rate
In my opinion, UOB One Account is a simple account that gives you up to 2.50% per annum if you managed to deposit S$150,000. It is simple because you only need to credit a minimum monthly salary of S$1,600 and spending at least S$500 on eligible UOB credit or debit cards. Other high interest savings accounts offered by other banks always have additional criteria such as investment and insurance in order to achieve higher tier interests.
Like you, I am always looking for places to make my money work harder for me. If you are keen to open a UOB One Account, please head over to UOB Singapore website. There are no referral links in this point because this is not a sponsored post.
Disclaimer: This is Not a sponsored post, and the opinions are solely based on My Sweet Retirement’s own research and opinion.