Just 4 months after the previous UOB One Account nerf, UOB will be cutting interest rates further, to “align with long-term interest rate environment expectations”.
Revised UOB One Account interest rates
From 1 September 2025, here’s a breakdown of total interest per annum that an account holder can earn, upon meeting the qualifying criteria (which will remain unchanged):
| Account Balance | Spend min. S$500 AND make 3 GIRO transactions | Spend min. S$500 AND credit salary |
|---|---|---|
| First $75,000 | 1% | 1.5% |
| Next $50,000 | 2% | 3% |
| Next $25,000 | 0.05% (no change) | 4.5% |
| Max. interest | 1.4% (first S$125k) | 2.5% (first S$150k) |
| Above $150,000 | 0.05% (no change) | 0.05% (no change) |
One account holders who spend at least S$500 monthly and credit their salary to the account will see a huge 0.8% drop in effective interest rate.
For an account holding of S$150,000, the maximum annual interest will drop from S$4,950 to S$3,750; which translates to S$312.50 monthly (from the previous S$412.50).
Revision notice
Here’s the interest rate revision notice shared by UOB:
revision-of-interest-rates-for-uob-one-account