UOB Stash Account will revise interest rates effective from 1st July 2025. Similar to other banks such as CIMB and OCBC who had already slashed their interest rates, this is to align with long-term interest rate environment expectations.
What is UOB Stash Account? UOB Stash Account lets you earn up to 5 percent per annum. Like the name “Stash” implies, UOB Stash Account is a simple savings account where you stash your money to earn interests when you maintain or increase your monthly average balance.
UOB Stash Account is not a fixed deposit account, there is no lock in period for your savings money. You only simply need to maintain or increase your Monthly Average Balance (MAB), as compared to the previous month to qualify for the bonus interest. As you can see from the below table, the interest rates can be quite attractive if you have 100K as you earn as high as 5.00% per annum on 30K for the last tier.
As such, UOB Stash Account is one of the best savings accounts that I ever had for keeping my retirement funds. With the revision of interest rates, I believe most of you will be disappointed. Let us take a look at the current and revised interest rates below.
UOB Stash Account Interest Rate (Current)
Below are UOB Stash Account current interest rates. According to the UOB Stash Account calculator, I would receive a total interest amount of S$3,004.91 if I placed 100K in UOB Stash Account from January to December 2025.
| Monthly Average Balance | Base interest (p.a.) | Bonus interest (p.a.) | Total interest (p.a.) |
| First S$10,000 | 0.05% | 0.00% | 0.05% |
| Next S$30,000 | 0.05% | 1.95% | 2.00% |
| Next S$30,000 | 0.05% | 2.95% | 3.00% |
| Next S$30,000 | 0.05% | 4.95% | 5.00% |
| Above S$100,000 | 0.05% | 0.00% | 0.05% |
UOB Stash Account Interest Rate (Revised)
As you can see from the below, UOB slashed interest rates across its tiers. With the revision, are you wondering how much interest will you received if you have S$100K? Find out further below.
| Monthly Average Balance | Base interest (p.a.) | Bonus interest (p.a.) | Total interest (p.a.) |
| First S$10,000 | 0.05% | 0.00% | 0.05% |
| Next S$30,000 | 0.05% | 1.55% | 1.60% |
| Next S$30,000 | 0.05% | 2.15% | 2.20% |
| Next S$30,000 | 0.05% | 2.95% | 3.00% |
| Above S$100,000 | 0.05% | 0.00% | 0.05% |
How Much Interest Will S$100K Earn You?
With the revised interest rates, you can earn up to S$2,040 interest a year with a deposit balance of S$100,000 in your UOB Stash Account by simply maintaining or increasing your Monthly Average Balance (MAB) each month. This is almost S$1,000 reduction in interest amount payout.
After the revision, UOB Stash Account interest rates work out to be estimated 2.04% per annum.