Compared: UOB One vs UOB Stash (From 1st December 2025)
UOB recently announced interest rate drops for two of its popular accounts UOB One and UOB Stash. How do they fare after the rate revision and what are some alternatives?
Interest Rate Comparison
Here’s a quick look at how each account fares at various balance amounts:
UOB Stash continues to be better at certain bank balances
After the last time both accounts got nerfed (UOB One in September 2025 and UOB Stash in July 2025), UOB Stash started becoming better at certain bank balances. At S$100,000, for instance, it gives 2.05% p.a. while UOB One delivers just 1.88% p.a. for those who meet both salary crediting and S$500 card spend requirements. In fact, from S$57,000 to S$105,000, UOB Stash gives a higher effective rate than UOB One despite having nearly no requirements.
The range of bank balances where UOB Stash can give more interest widens from 1st December 2025. Those with monthly average balances of S$37,000 to S$105,000 will likely find UOB Stash more attractive given its higher rates and more fuss-free requirement.
One thing to note about UOB Stash is that its requirement of having to maintain or increase the monthly average balance is a “soft lock” of sorts. You can still access your money, but if your average balance for the month falls below what you had in the month before, you lose your interest.
UOB One’s Tax Saver Promo
UOB One does have something that UOB Stash doesn’t, and that is the ongoing UOB One Tax Saver promo. Getting 6% or 6.5% rebate on tax payments can sound enticing, but because of balance requirements and rebate caps, the maximum additional returns this promo can represent is at best 0.40% p.a., and would be lower if you are not optimising the promo.
Compared with other high-yield savings accounts
The real question, I suppose, is why we would want to continue using UOB accounts when the nerf hits. UOB Stash compares favourably against other fuss-free accounts, I guess, but I’ve since long stopped using UOB One since its 2nd nerf this year, and this 3rd one makes it even more unappealing.
Check out other high-yield savings accounts to switch to here. Bonus$aver, of course, remains the leader of the pack with 5.55% p.a. effective interest possible.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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