UOB One Account¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer, other |
| Source layers | official, user_reported |
| Currencies | interest |
Community-Learned Rules and Datapoints¶
Claim 7027 (user verified, risk: low)¶
GIRO payments do not count towards the UOB One Account $500 monthly minimum card spend requirement for bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Prudential |
| Card | UOB One Card |
| Route | GIRO |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-04-07T12:45:56+00:00 |
| Last seen | 2026-04-07T12:45:56+00:00 |
| Observed result | GIRO deductions are treated separately and do not trigger the card spend requirement. |
| Public/official layer | Only eligible card retail spend counts towards the UOB One Account minimum spend. |
| Caveat | Must use an eligible credit or debit card directly for the spend to count. |
Claim 7002 (user verified, risk: low)¶
Paying Prudential insurance via UOB One Debit Card counts towards the $500 monthly spend requirement for UOB One Account bonus interest, whereas GIRO payments do not.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Prudential |
| Card | UOB One Debit Card |
| Programme | UOB One Account |
| Devaluation risk | low |
| Last verified | 2026-04-07T12:45:01+00:00 |
| Last seen | 2026-04-07T12:45:56+00:00 |
| Observed result | User confirmed billing to the UOB One debit card successfully counts towards the $500 spend. |
| Public/official layer | Eligible card spend is required to meet the $500 minimum for bonus interest. |
| Caveat | GIRO payments directly from the account do not count. |
Claim 7093 (user verified, risk: low)¶
To optimize income tax payments, users can split their tax bill by paying a portion via CardUp to earn card rewards, while leaving a specific amount (e.g., $834) unpaid to be deducted via GIRO from a UOB One Account to qualify for account bonuses or tax GIRO rebates.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | IRAS |
| Route | CardUp |
| Programme | UOB One Account |
| Programme type | bank_transfer |
| Sweet spot | yes |
| Devaluation risk | low |
| Last seen | 2026-04-07T07:23:11+00:00 |
| Caveat | Requires manual calculation to ensure the remaining GIRO deductions meet the UOB One Account requirements. |
Claim 7100 (risk: low)¶
The UOB One Account tax GIRO rebate can be stacked as an additional reward layer when paying taxes via CardUp.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | IRAS |
| Card | UOB One |
| Route | CardUp |
| Programme | UOB One Account |
| Programme type | bank_transfer |
| Sweet spot | yes |
| Devaluation risk | low |
| Last seen | 2026-04-07T06:52:13+00:00 |
Claim 16548 (risk: low)¶
UOB One Account is lowering its maximum interest rate to 3.30% p.a. effective 1 May 2025.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Programme | UOB One Account |
| Programme type | other |
| Points currency | interest |
| Miles / points | 3.30% p.a. |
| Devaluation risk | low |
| Last verified | 2025-03-31 |
| Last seen | 2025-04-01T00:36:55+08:00 |
| Public/official layer | UOB One Account maximum interest rate drops to 3.30% p.a. starting 1 May 2025. |
| Caveat | Qualifying criteria remain unchanged. |
Claim 17218 (user verified, risk: low)¶
UOB One account salary credit requirement must be fulfilled using the SALA transaction code; standard standing instructions or manual transfers do not qualify.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | UOB |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T07:10:11+00:00 |
| Observed result | Must be SALA |
| Public/official layer | Salary credit must be made via GIRO with transaction code 'SALA' or 'PAYR'. |
| Caveat | Requires the transaction to be coded as SALA by the employer's payroll system. |
Claim 17217 (user verified, risk: low)¶
UOB One account salary credit requirement must be coded as SALA; standard manual transfers or standing instructions without the SALA purpose code do not qualify.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | UOB |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T07:10:11+00:00 |
| Observed result | Standing instructions or manual transfers without SALA code are not accepted. |
| Public/official layer | Salary credit of at least S$1,600 via GIRO/FAST with transaction code SALA is required for UOB One Account bonus interest. |
| Caveat | Requires the transaction to be processed with the SALA transaction code, typically done by corporate payroll systems. |
Claim 17376 (user verified, risk: low)¶
To achieve the highest interest rate on the UOB One Account, users must complete S$500 card spend and S$1,600 salary credit; the 3 GIRO transactions option yields lower interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Card | UOB One Card |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-19 |
| Last seen | 2024-11-19T03:31:57+00:00 |
| Observed result | Card spend + salary credit yields significantly higher interest than card spend + 3 GIROs. |
| Public/official layer | UOB One Account offers tiered interest based on Card Spend + Salary Credit or Card Spend + 3 GIRO transactions. |
| Caveat | The maximum interest tier is capped at S$150,000 balance. |
Claim 17375 (user verified, risk: low)¶
Hawker centre QR code payments do not count towards the UOB One Card minimum spend requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hawker centre |
| Card | UOB One Card |
| Route | QR payment |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-19 |
| Last seen | 2024-11-19T09:12:59+00:00 |
| Observed result | Hawker QR payments are excluded from the card spend calculation. |
| Public/official layer | Only eligible card transactions count towards the minimum spend. |
| Caveat | Applies to standard SGQR/PayNow/NETS QR transactions that do not process as Visa/Mastercard card transactions. |
Merchant (exception, user verified, risk: low)¶
User reported that uOB One Account salary credit requirement can be triggered by a manual transfer of S$1,600 using the SALA transaction code.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-19 |
| Last seen | 2024-11-19T03:30:57+00:00 |
| Observed result | A manual transfer coded as SALA successfully triggers the salary credit tier. |
| Public/official layer | Requires an official salary credit via GIRO/FAST with transaction code SALA. |
| Caveat | Requires the transferring bank/method to support setting the SALA purpose code. |
Claim 18362 (user verified, risk: low)¶
The minimum $500 monthly spend requirement for the UOB One Account interest bonus can be met by combining transactions across multiple eligible UOB credit cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One Account |
| Programme type | other |
| Points currency | interest |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Combined spend across UOB One Card and UOB Lady's Card successfully counts towards the $500 criteria. |
| Public/official layer | Spend can be combined across eligible UOB credit cards to meet the $500 minimum. |
| Caveat | Cards must be eligible UOB cards linked to the same cardholder. |
UOB: via FAST (exception, user verified, risk: low)¶
User reported that the UOB One Account salary crediting requirement can be satisfied via a FAST transfer from a personal bank account (e.g., DBS to UOB) instead of requiring an official corporate payroll GIRO.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | UOB |
| Route | FAST |
| Programme | UOB One Account |
| Programme type | other |
| Devaluation risk | medium |
| Last verified | 2024-03-16 |
| Last seen | 2024-03-16T07:09:37+00:00 |
| Observed result | FAST transfers from personal accounts successfully trigger the salary crediting tracker. |
| Public/official layer | Salary must be credited via GIRO/FAST with transaction code SALA/SBYR from a corporate account. |
| Caveat | The transfer must be at least $1,600 and typically takes 1-2 days to reflect on the UOB One planner/tracker. |