UOB Savings Promo Q1 2025: “Lunar New Year Pot of Gold” – Earmark Funds For S$68 to S$688 Cash
UOB has released its Q1 2025’s earmark promo – get between S$68 to S$688 cash for depositing S$20,000 to S$150,000 of fresh funds. This is on top of the usual interest your UOB account will stand to receive.
Read on for the details of the promo and stay subscribed for a deeper analysis and more savings-related updates over 2025.
What is a “earmark promo”?
For some time now, UOB has released quarterly promos where you have to “earmark” funds for extra cash. “Earmarking” is essentially setting aside funds for a fixed period of time (usually around 4 months) which cannot be used or withdrawn.
The extra cash is added returns on top of the account’s usual interest. Since UOB One and Stash accounts can give up to 4% and 3% p.a. interest respectively, the overall yield can be quite attractive.
Promo Tiers
| Top-up Amount | Cash Bonus | Effective Interest* on Top-up Amount (for ~4.5 months) |
| S$20,000 | S$68 | 0.91% p.a. |
| S$50,000 | S$188 | 1.00% p.a. |
| S$100,000 | S$388 | 1.04% p.a. |
| S$150,000 | S$688 | 1.23% p.a. |
Terms and conditions can be found here.
Earmark Timelines
The timeline is specified in the terms and conditions:
| Participating Deposit date or Participation Form submission date, whichever is later | Participating Deposit will be Earmarked and Cash Credit will be credited by | Earmark End Date (including this date) |
| 1 January 2025 to 31 January 2025 | 28 February 2025 | 18 June 2025 |
| 1 February 2025 to 28 February 2025 | 29 March 2025 | 18 July 2025 |
| 1 March 2025 to 29 March 2025 | 30 April 2025 | 18 August 2025 |
Registration is required and you can do so here.
Reference month: December 2024
The promo is eligible for fresh funds compared to the reference month of December 2024. This means that if your December 2024’s monthly average balance is S$0, every dollar you put in your UOB account will now be considered fresh funds.
If your average balance is S$10,000, you would need to maintain S$110,000 if you wish to qualify for the S$100,000 tier.
Subscribe for more deals and updates!
As usual, UOB’s quarterly earmark promo offers a chance to get a boost to your savings. Stay subscribed for more savings-related news and deals as we enter 2025.
Leave notifications turned on so that you don’t miss time-sensitive updates!
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.
Subscribe to the channel for free updates!
Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Thank you for supporting my site!
Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).