UOB Cash Plus

Light Easy and Enjoy

With UOB Cash Plus, you have flexibility to manage your advantage of any opportunity by having a quick access to UOB Cash Plus on 24 hours a day at anywhere. UOB Cash Plus will give you revolving credit line up to THB1,000,000 with no need for collateral or guarantors and you can withdraw cash with no cash withdraw fee from ATMs with ATM Pool and PLUS logos. You can choose to pay the monthly payment at the minimum of THB500 or 5% of your outstanding balance. Realize your dreams sooner with extra cash on hand from UOB Cash Plus

Features & Benefit
Applicant Qualifications
Document Required
Interest Rate, Fee and Other Charge
Interest Calculation Method
Bank Interest rate and Fee Announcement


Interest Rate
Monthly Income
Interest Rate
THB 15,000 – 24,999
28% p.a.
THB 25,000 – 49,999
27% p.a.
THB 50,000 and above
25% p.a.

Product Features
  • Cash in an emergency.
  • Withdraw cash with no cash withdraw fee on 24 hours through anywhere under ATM Pool and PLUS logo.
  • Collateral or Guarantor not required.
  • Maximum credit line up to THB 1,000,000.
  • Flexible repayment with minimum THB 500 or 5% of your outstanding balance.
  • Interest rate calculated by effective rate and actual utilize date.

Applicant Qualifications
Applicant
Salaried
Self-employed
Thai Nationality
Age 20-60 years
Monthly income
THB 15,000 above
THB 20,000
Work experience
1 year work experience in same company or profession
3 years work experience in same business

Documents required
Employed
1.
Copy of ID. Card or government official card/state enterprise employee card
2.
Original/copy of payroll slip or original of salary confirmation letter
3.
Copy of bank statements for the last 6 months (for original salary confirmation letter)
4.
Copy of book bank for disbursement (for fund transfer)
5.
Copy of House registration (for government official card/state enterprise employee card)

Business Owner:
1.
Copy of ID. Card
2.
Copy of business registration certificate for the last 3 months
3.
Copy of bank statements for the last 6 months
4.
Copy of bank shareholder list and percentage of shareholding (not more than 3 months)
5.
Copy of book bank for disbursement (for fund transfer)

Interest rates, Fees and Other Charges

1.1. Interest Rate (per annum)*

Gross monthly income
Interest Rate
THB15,000-24,999
28%
THB25,000-49,999
27%
THB50,000
25%
* Interest including all charge and fees will not exceed 28% p.a.

1.2. Processing Fee

N/A

1.3. Annual Fee

N/A

1.4. Early Pay off Fee (If any)

N/A
2. Expenditure to government sectors
2.1 Duty Stamp

0.05% of credit line granted

3. Expenditure on Third party or others
3.1 Payment for credit bureau data check
N/A
3.2 Payment at other bank counters
Payment at other bank counters
In Bangkok and greater Bangkok are

In upcountry
provinces

Counter / Internet banking of United Overseas Bank (Thai)
Free
Free
Mailing Cheque
Free
Free
ATM/UOB Direct Debit
Free
Free
UOB Phone Banking (Tel 0-2285-1555)
Free
Free
UOB CyberBanking* (www.uob.co.th)
Free
Free
Pay at Post
10 Baht/the payment amount 50,000 Baht
Counter Service
15 Baht
20 Baht
Bank of Ayudhaya **
• Counter of Bank
• Electronics Channels

15 Baht
10 Baht

15 Baht
10 Baht
At Counter of Siam Commercial Bank **
17 Baht
30 Baht
SCB Partner's Outlet (FamilyMart)
17 Baht,
Maximum 40,000 Baht
30 Baht,
Maximum 40,000 Baht
TESCO LOTUS
10 Baht
TOT
15 Baht
JAY MART
15 Baht
mPay STATION
15 Baht
True Money Co., Ltd.
Maximun 20 Baht
3.3 Expense of insufficient funds (Other bank Direct Debit)
N/A
3.4 Collection Expense
THB 100 for every statement cycle
*

For UOB Cyber Banking is required to open saving or current account with the bank

** For Siam Commercial Bank and Bank of Ayuthaya, If you payment amount over THB50,000 (THB50,001 and above) will add service charge 0.10% of total payment over THB50,000 but not over THB1,000
4. Expense as operation costs of business
4.1 Returned check fee
N/A
4.2 Card Replacement Fee
Baht 200/Card
4.3 Statement Re-issue (second issue onward)
Baht100/statement cycle

4.4 Pin code replacement Fee

Baht 100/Transaction
4.5 Transaction enquired Fee
Bath 200/Transaction

Note :
1. Interest, Fine, Service fees, commission will not exceed 28% p.a. (Effective Rate)
2. The above mentioned fees are actual expense that the service provider charge to bank and is subject to each service provider.
3. Fees and service charges are VAT excluded (If any)
4. Payment service fees in clause 3.2 may be revised upon service providers' announcements.
5. Any debt collection expense charged by service provider will be collected from customers from 1 Jan 09 onwards.

Interest Calculation Method

Interest = Loan Size x number of days x Interest rate
365 days

Example Table of Interest expense based on 30 days
Outstanding balance per Interest rate
25 %
27%
28%
1,500
30.82
33.29
34.52
5,000
102.74
110.96
115.07
10,000
205.48
221.92
230.14
20,000
410.95
443.84
460.27
30,000
616.44
665.75
690.41

30 days based on calculation

For more information please contact UOB Branch or Call. 0-2285-1555