Stash Account | UOB Singapore

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Adulting Exploring The World Growing Your Money Getting Married Starting a Family Planning Your RetirementView all

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For the Ladies Sustainable Living Embracing Wellness Home and Property For Drivers & CommutersView all

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The Dining Advisor The Travel Insider ShopUOB

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The Travel Insider

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Accounts

Everyday Use Consistent Saving Kids Foreign Currency Fixed DepositsSee all accounts

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UOB One Account UOB Stash Account UOB FX+ UOB Lady's Savings Account KrisFlyer UOB Account UOB Leap of Fortune Savings Promotion UOB One Account Tax Saver Promotion

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Bank your Salary Retail Cheque Processing Charges Joint Account Application Estate Account Deputy/Donee Account Protect your moneyNEW! eGIROFind out about UOB TMRW

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Apply for UOB One Account online and get up to S$308 cash

Skip to higher interest of up to 3.4% p.a. interest in just two steps. T&Cs apply. Insured up to S$100k by SDIC.

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Personal Financing Property Loans Car Financing Apply your Home Loan Complete your Home Loan Joint Application Complete your Car Loan ApplicationView all loans

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UOB Stash Account

It’s easy to Stash it and let your savings grow – up to 2% p.a. interest. Apply online today. T&Cs apply.

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UOB Leap of Fortune Savings Promotion

Simply top up an eligible UOB savings account and register your participation now. Promotion ends 31 Mar 2026.

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Online Account Opening Promotion:Get up to S$338 cash and 28% cashback*

Simply apply for an eligible UOB savings account online, save and transact with UOB.Plus, enjoy 28% cashback* when you Scan to Pay with UOB TMRW.

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With effect from 1 December 2025, please be informed that the interest rates for One Account will be revised. T&Cs apply. Find out more.Get up to S$338 cash and/or 28% cashback when you open an eligible UOB savings account online, save and transact with UOB. Find out more.

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At a glanceApply now At a glance How it works Calculator Promotion Requirements and fees How to apply

For the consistent saver

The UOB Stash Account rewards the everyday saver, whether it’s for a long-term goal or a rainy day.

Score bonus interest

Earn up to 2% p.a. interest simply by maintaining or increasing your balance every month.

Access to cash

No lock-in period! This means having access to your savings anytime or for a rainy day, while still earning interest every month.

Greater perks

Receive a UOB One Debit Card with your Stash Account and get more cashback with less effort. Let every dollar go further with up to 4% cashback on dining, online shopping, transport, telco, utilities, mobile payments and more.

Accumulate more when you Stash

Here’s how you can earn up to 2% p.a interest on your savings, which is up to 30x more than what you would get if you leave your money in a traditional savings account!

0.05% base interest

You will always earn this interest, regardless of what you deposit into your account

Up to 1.95% p.a. bonus interest

Maintain or increase your Monthly Average Balance (MAB), as compared to the previous month

Maximum Effective Interest Rate (EIR) on the Stash Account is 1.50% p.a. for deposits of S$100,000, provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. Terms and Conditions apply

Monthly Average Balance refers to the summation of each day-end balance in the Stash Account for each calendar month divided by the number of calendar days for that month.

To check if you qualify for bonus interest, your MAB will be compared between 2 months. If the difference between your previous month’s MAB and your current month’s MAB is zero or higher, you’ll get bonus interest.

For example, you opened a Stash Account in Sep 2023 and your MAB is S$20,000. You didn’t make any withdrawals in Oct 2023, and your MAB remains at S$20,000. As such, you’ll enjoy bonus interest for Oct 2023.

If you have performed withdrawals, you can still receive bonus interest when you top-up again within the same month. Simply login to UOB Personal Internet Banking or UOB TMRW to find out the required top up amount and balance to maintain for the month.

Here’s how to score higher interest rates

Maximise your bonus interest

Here’s how your bonus interest will add up.

Monthly Average Balance
Base interest (p.a.)
Bonus interest (p.a.)
Total Interest (p.a.)

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%	1.35%	1.40%
Next S$30,000	0.05%	1.55%	1.60%
Next S$30,000	0.05%	1.95%	2.00%
Above S$100,000	0.05%	0.00%	0.05%

Base interest is calculated based on each day-end balance in the UOB Stash Account, and Bonus Interest is calculated based on Monthly Average Balance.

This calculation is based on a UOB Stash Account holder with an initial deposit of S$50,000 and maintains a Monthly Average Balance of at least S$50,000 for 12 months. Total interest earned will be up to 0.60% p.a., more than 6 times that of a normal savings account at 0.05% p.a., earning an interest rate of S$25.

This calculation is based on a UOB Stash Account holder with an initial deposit of S$100,000 and maintains a Monthly Average Balance of at least S$100,000 for 12 months. Total interest earned will be up to 1.00% p.a., more than 11 times that of a normal savings account at 0.05% p.a., earning an interest rate of S$50.

How it adds up

Use this tool to find out how much interest you can earn in a year by maintaining or increasing your Monthly Average Balance, as compared to the previous month.

Input your Monthly Average Balance (MAB) by adjusting the sliders or typing them in the fields manually. Account MAB MAB Change Bonus Interest Eligibility Total Interest Earned Total Interest Amount Earned Aug (Account Opened) Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$0.00 S$10k S$50k S$100k S$150k S$200k

Total interest amount earned (P.A.):S$50.00 This is for illustration purpose only, and is not indicative of the total interest you may earn on your savings in UOB Stash Account.

This is based on first S$150,000 balance in UOB One Account and first S$100,000 balance in UOB Stash Account. The maximum annual interest for deposits of S$100,000 in the UOB Stash Account is S$2,040 and is calculated based on the maximum effective interest rate (EIR) of 2.04% p.a., provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. The maximum annual interest for deposits of S$150,000 in the UOB One Account is S$3,750 and is calculated based on the maximum effective interest rate (EIR) of 2.50% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month. Terms and conditions apply.

Add some Pow-Wow to your savings!

Meet the Power Duo that gives you up to S$4,350 p.a. interest on your savings

1. On your first S$150,000 savings with UOB One Account: Get up to S$2,850 in interest a year in just 2 steps

2. On your next S$100,000 savings with UOB Stash Account: Get up to S$1,500 in interest a year when you maintain or increase your balances

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UOB Leap of Fortune Savings PromotionOnline Account Opening PromotionFlash Deal FridaysUOB SalaryPlus PromotionScan to pay Promotion

UOB Leap of Fortune Savings Promotion

Leap into a year of good fortune. Get up to S$688 cash when you save and transact with UOB. Plus, stand a chance to be one of 18 winners to win S$1,088 each in our Lunar New Year lucky draw.Here’s how to participate and earn up to S$380 in cash:Step 1: Register your participation here or via Rewards+ on UOB TMRW by 31 March 2026.Step 2: Deposit a minimum of S$20,000 in new funds into your UOB One Account, UOB Stash Account, UOB Lady’s Savings Account, UOB Uniplus Account or UOB Passbook Savings account. The new funds deposited will be earmarked and cannot be withdrawn for approx. 7 months^.That’s it! If you are eligible for the cash credit, you will also be auto-enrolled into our lucky draw where you could be one of 18 lucky winners to walk away with $1,088 cash each! The more you save, the more chances you earn to win.Plus, stand a chance to win a magical three-night cruise vacation aboard the Disney Adventure, Disney Cruise Line’s first ship to homeport in Singapore. Wealth Banking clients may win one of five Deluxe Oceanview Staterooms with Verandah (each worth US$2,032), while Privilege Banking clients may win one of five Concierge Family Staterooms with Oceanview Verandah (each worth US$4,780).Don’t have a UOB savings account? Apply online now and receive up to an additional S$308 bonus cash reward. Promotion ends 31 Mar 2026.Subject to qualifying criteria. T&Cs apply.^Refer to UOB Leap of Fortune Savings Promotion T&Cs for the Earmark End Date.

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Online Account Opening Promotion

Be the first 88 eligible customers per promotion week to earn up to S$128 cash when you apply for an eligible UOB savings account online and deposit at least S$5,000 in new funds into your new account. Plus, stack your rewards with up to additional S$180 cash when you pay your bills, credit your salary and dividends with UOB. That's not all! New-to-UOB and New-to-UOB Deposits customers also enjoy 28% cashback* on selected merchants when you Scan to pay with UOB TMRW! Limited to the first 2,300 customers per calendar month.*Capped at S$28 per customer. Promotion is from 1 January to 31 March 2026. Cash rewards will be automatically credited. Subject to qualifying criteria. T&Cs apply

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Flash Deal Fridays

Receive extra fortune every Flash Deal Friday with up to S$338 in cash rewards! Be the first 88 eligible customers from 16 January to 27 February 2026 to earn cash of up to S$158 when you apply for an eligible UOB savings account online on a Friday and deposit at least S$5,000 in new funds into your new account.Plus, stack your rewards and get additional cash of up to S$180 when you pay your bills, credit your salary and dividends with UOB.That's not all! New-to-UOB and New-to-UOB Deposits customers can also enjoy 28% cashback* on transactions with selected merchants when you Scan to pay with UOB TMRW! Limited to the first 2,300 customers per calendar month.*Capped at S$28 per customer.Subject to qualifying criteria. T&Cs apply.

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