UOB Savings Promo Q3 2026: Level Up Your Savings – Earmark Funds For S$70 to S$800 Cash
UOB’s quarterly promo for Q3 2026 has been announced and depositors can get as much as S$800 of cash for depositing and earmarking fresh funds with the bank.
Earmarking removes the amount from the account’s available balance, rendering the funds unusable for the earmark period. The earmark period for this promo is approximately 7 months.
Promo Tiers
This time, the promo gives slightly different cash amounts depending on whether you are an existing UOB accountholder, someone who is new to their deposits:
| New funds amount | For Existing UOB customers | For New-to-Deposits Customers |
|---|---|---|
| S$20,000 | S$70 | S$70 |
| S$50,000 | S$200 | S$200 |
| S$100,000 | S$400 | S$500 |
| S$150,000 | S$700 | S$800 |
The promo is only available for these following accounts:
- UOB Passbook Savings Account
- UOB Stash Account
- UOB One Account
- UOB Lady’s Savings Account
Fresh funds are incremental amounts transferred into your UOB account compared to the account’s monthly average balance in June 2026.
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Earmark Timelines
The earmark period is around 7 months:
| Qualifying Period | Earmarked and Cash Credit Credited By | Earmark End Date |
|---|---|---|
| 1st July to 31st July 2026 | 31st August 2026 | 19th February 2027 |
| 1st August to 31st August 2026 | 30th September 2026 | 19th March 2027 |
| 1st September to 30th September 2026 | 31st October 2026 | 19th April 2027 |
Note that qualifying period refers to when your fresh funds or participating form is submitted – whichever is later.
Even though you can access your funds after the 19th of the month the earmark period ends, you would usually want to maintain the funds to the end of the month to receive optimal interest rates from accounts like UOB One or UOB Stash which give interest in tiers.
Earmarked funds still receive interest
Earmarked funds are still part of your account balance, even if they cannot be used. They continue to generate interest and should also qualify you for extra miles for UOB Lady’s Savings Account.
If you are enrolled under the UOB tax and bill payment promo, earmarked funds cannot be used to pay for GIRO deductions so make sure you have sufficient available balance to avoid missed payments and potential penalties.
Up to 0.91% p.a. bonus interest for new depositors (up to 0.80% p.a. for existing customers)
For the best effective interest rate, you would want to deposit your funds (and register) as close as to the end of each qualifying period as possible.
Use the calculator to see the effective interest rate you can get from this promo. I have also included an option to hold funds until the first day of the following month.
On top of your account’s interest and benefits
The cash credit is on top of your bank’s interest or other benefits. You can use the following calculators for:
For the S$100,000 tier, adding about 0.69% p.a. to UOB Stash’s 1.51% p.a. makes for a pretty decent 2.2% p.a.
At S$150,000, UOB One’s 1.9% p.a. rate can be boosted to around 2.7% p.a. with this promo.
Note that account rates can change (and have changed before) during the earmark periods. This means that your account’s rate and/or benefits can change even though your funds are still locked up.
Registration is required, refer to terms and conditions for full details
You will need to register here.
While every effort has been taken to make sure the information here is accurate, you should refer to the terms and conditions for the exact details and requirements of the promo.
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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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