Yet another UOB One Account interest rate cut has been announced (third time in 7 months), to “align with long-term interest rate environment expectations”.
Revised UOB One Account interest rates
From 1 December 2025, UOB One Account holders who spend at least S$500 monthly and credit their salary to the account will see a 0.6% drop in effective interest rate.
For an account holding of S$150,000, the maximum annual interest will drop from S$3,750 to S$2,850; which translates to S$237.50 monthly (previously S$312.50).
Here’s a breakdown of total interest per annum that an account holder can earn, upon meeting the qualifying criteria (which remains unchanged):
| Account Balance | Spend min. S$500 AND make 3 GIRO transactions | Spend min. S$500 AND credit salary |
|---|---|---|
| First $75,000 | 1% (no change) | 1% |
| Next $50,000 | 2% (no change) | 2.5% |
| Next $25,000 | 0.05% (no change) | 3.4% |
| Max. interest | 1.4% (first S$125k) | 1.9% (first S$150k) |
| Above $150,000 | 0.05% (no change) | 0.05% (no change) |
History of UOB One Account interest rate revisions
Here are the UOB One Account interest rate cuts announced in 2025:
| Date | Max. Interest Rate |
|---|---|
| 1 Dec 2025 (LATEST) | 2.5% ↓ 1.9% |
| 1 Sep 2025 | 3.3% ↓ 2.5% |
| 1 May 2025 | 4% ↓ 3.3% |
ADVERTISEMENT
Revision notice
Here’s the interest rate revision notice shared by UOB:
