Guide: How to Get 1.90% P.A. Interest (And More) With UOB One Account (Calculator Included!)
Last Updated: 1st April 2026
UOB One Account is currently offering a maximum effective interest rate of 1.90% p.a. for an account balance of S$150,000. Coupled with UOB’s seasonal earmark promos, you could also get more out of your savings with the bank account.
Below is a guide on how to maximise your interest from this account easily.
UOB One Interest Calculator
The UOB One Account requires just two requirements to be fulfilled, and gives the most interest on the last S$25,000 of a S$150,000 balance. The optimal amount to put is hence S$150,000 which gets the maximum effective interest rate of 2.50% p.a.
Step-by-step guide
| Timeline | Activity |
|---|---|
| 1st Day of Month | Maintain S$150,000 |
| During the Month | Credit salary of at least S$1,600 within the month (either actual salary, or using workaround) You may also withdraw it to maintain an average balance of S$150,000 |
| Spend at least S$500 of qualifying transactions on an eligible card (See Spending requirement section below) | |
| Please check the UOB One Account’s tracker to ensure you have met the requirements for the month | |
| Last Day of the Month | Optional: transfer out interest to maintain S$150,000 amount |
| 2nd/3rd Day of Following Month | Optional: transfer out bonus interest to maintain S$150,000 amount |
Compared with other high-yield savings accounts
Tap here for a comparison tool to see how this account stacks up with other high-yield savings accounts!
Salary crediting workaround
To get decent returns from the bank account, you must complete two tasks:
- Spend a minimum of S$500 within each calendar month
- Credit a salary of at least S$1,600
I have already written an article on how to get around the salary requirement, and you can find the article here:
Spending requirement
There are currently no publicly known hacks for the spend requirement of UOB One Account (subscribe to the Telegram for updates if any workaround is found). Even services like ipaymy or CardUp are excluded, unfortunately, so spending needs to be from retail spend.
Spend must also be done on eligible cards:
- UOB One (Credit or Debit Card)
- UOB Lady’s (including Solitaire, Solitaire Metal, and Debit Card)
- UOB EVOL
- Lazada-UOB
- UOB FX+ Debit Card
UOB Lady’s Cards is perhaps the best card to use for the account’s spend requirement. S$500 of spend should not be too difficult for many people to achieve, and do note that the amount is to be spent (and posted) within a calendar month.
While insurance premiums do not get any credit card rewards, they count towards the UOB One Account’s spend requirement, so that might help if you have policies to be paid monthly.
Interest Payment
Base interest is paid at the end of each calendar month.
Bonus interest is typically paid on the 2nd working day of the following month.
For instance, if you had S$150,000 in the month of September 2025, you will receive approximately S$6.16 of base interest on 30th September 2025. If you have met the spend and salary requirements, you should get around S$306.34 of bonus interest on 2nd October 2025 (2nd working day of October 2025).
Tracker
UOB One Account has a tracker that only appears in the mobile app.
Tap UOB One Account → Details → View activities
The tracker takes 1 to 2 days to update.
Earmark Promos and Tax Payment Promo
UOB releases seasonal promos known as “earmark promos” at the start of each calendar quarter. Such promos give cash rewards for depositing fresh funds into your UOB account.
The bank also has a promo where UOB accountholders can get rebates on bill payments that can be counted as bonus interest.
Frequently asked questions
Q: I only got a few dollars of interest!
Base interest of 0.05% p.a. is awarded first. If you have completed the requirements, the bonus interest will come in on the 2nd working day of the next month in a separate transaction.
Q: The terms and conditions say that FAST transactions are EXCLUDED for the salary requirement!1!!1!
Any FAST or PayNow transfer with Salary tagged as the payment purpose works for UOB One Account’s salary requirement. Use the workaround at your own risk.
Q: Does the income I pay to myself using the workaround count as taxable income?
If transferring yourself money counts as taxable income, your outgoing transfer should rightfully count as deductible expense. That should lead to a zero net income from this arrangement.
I don’t think IRAS is concerned about “income” that is not actual income, but only they can answer you for sure.
Q: The tracker isn’t moving oh my god the salary workaround doesn’t work
Wait 1-2 days.
Q: Is the salary workaround still working?
Yes. Subscribe to the Telegram channel for updates.
Q: I made a spend but the tracker isn’t updated
The transaction has to be posted first (i.e. status is no longer Pending)
Q: Is there a spending workaround
It is not public knowledge.
Q: Is there an eligible miles card for guys?
Unfortunately not. Update: UOB Ladies card is now available for men to apply.
Q: How is average balance calculated?
Average balance = amount × number of days it’s in your account ÷ number of days in the month
If you place S$100,000 in the bank account for 20 days in a 31-day month, just take S$100,000 ÷ 31 × 20 = S$64,516
See this article for more info.
Q: Can I withdraw the salary on the same day?
Yes it should work. Check back in the tracker after 1-2 days to see if it is updated.
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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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