A savings account that converts your banking transactions into higher interest rates!
- Receive interest monthly with no limit in deposit or withdrawal transactions.
- Easy to view account detail anywhere online and get e-statement up to 5 years back.
Normal Interest
Open UOB ONE ACCOUNT and get normal interest rate of 0.25% (p.a.) monthly.
Bonus Interest
Get bonus interest when the conditions are met.
Monthly Average Balance (THB) |
Interest (p.a.) Normal + Bonus |
|
Tier 1 | Tier 2 | |
0 – 500,000 |
0.75% | 1.25% |
Amount over 500,000* |
0.25% | 0.25% |
*the effective rate is equivalent to 0.75%-0.25% or 1.25%-0.25%, based on customer’s Monthly Average Balance.
Bonus Interest Conditions
Receive bonus interest tier 1 or tier 2 when perform the following numbers of transactions;
Choose any transactions from “Eligible Transaction for Bonus” with minimum amount as specified in the table.
Eligible Transaction for Bonus | Minimum amount/ transaction |
Online bill payment | 100 baht |
Spend on credit card/ debit card | 100 baht |
Direct Debit | 100 baht |
Fund transfer from other banks | 15,000 baht |
Salary credit via payroll | 15,000 baht |
Special – for a new customer, who never has savings or current account with the Bank within the past 2 years, receives bonus tier 1 instantly for the first 6 months for ONE ACCOUNT opening. Receive bonus tier 2 when perform additional 3 transactions per month.
Conditions for Credit/ Debit Card transaction
Conditions for other transactions
Non-eligible Transaction for Bonus Interest
= | sum of daily ending balance *number of days in the month* |
*In case of account opening during the month, MAB is calculated from the account opening date until the end of month
Example
Customer opens an account on March 16 for 1,000 Baht, and deposits 2,000 Baht more on March 21, with the total of 3,000 Baht until month end.MAB = | (THB 1,000 x 5 days) + (THB 3,000 x 11 days ) 16 days |
= 2,375 Baht |
The number of days for calculation is 365 days.
Normal interest = | daily ending balance x normal rate (p.a.) x actual deposit period 100 x 365 |
Bonus interest = | Monthly Average Balance x bonus rate (p.a.) x actual deposit period 100 x 365 |
Example: Interest Rate Tier 1 Calculation
Customer June’s MAB is THB 50,000 and performed 3 transactions eligible for bonus tier 1.
Interests of June are calculated as followed.
1) Normal interest = | 550,000 x 0.25 x 30 100 x 365 |
= 10.27 Baht |
2) Bonus interest tier 1
Monthly Average Balance (Baht) | Bonus Interest Rate (p.a.) | Bonus Interest(Baht) | ||
0 - 500,000 |
0.50% | 50,000 x 0.50 x 30 100 x 365 |
= | 20.54 |
Amount over 500,000 |
- | = | 0 | |
Total bonus interest | 20.54 Baht |
Total interest | = 10.27 + 20.54 = 30.81 Baht |
Example: Interest Rate Tier 2 Calculation
Customer June’s MAB is THB 550,000, and performed 6 transactions eligible for bonus tier 2.
Interests of June are calculated as followed.
1) Normal interest = | 550,000 x 0.25 x 30 100 x 365 |
= 113.01 Baht |
2) Bonus interest tier 2
Monthly Average Balance (Baht) | Interest Rate (p.a.) | Bonus Interest (Baht) | ||
0 - 500,000 |
1.00% | 500,000 x 1.00 x 30 100 x 365 |
= | 410.95 |
Amount over 500,000 |
- | = | 0 | |
Total bonus interest | 410.95 Baht |
Total interest | = 113.01 + 410.95 = 523.96 Baht |
Example 1: Perform less than 3 transaction – get only normal interest
Transactions | Eligible Transactions | |
Pay telephone bill online | 150 baht | ✔ |
Pay electricity bill online | 75 baht | ✖ |
Spend on credit card | 5,000 baht | ✔ |
Transfer fund in | 10,000 baht | ✖ |
Total eligible transactions | 2 | |
Bonus interest | ✖ |
Example 2: Perform 6 transactions – get bonus tier 2
Transactions | Eligible Transactions | |
Pay telephone bill | 150 baht | ✔ |
Pay electricity bill online | 3,000 baht | ✔ |
Spend on credit card | 400 baht | ✔ |
Spend on credit card | 30 baht | ✖ |
Transfer fund in | 16,000 baht | ✔ |
Direct Debit for home loan | 8,000 baht | ✔ |
Payroll salary transfer in | 20,000 baht | ✔ |
Total eligible transactions | 6 | |
Bonus interest | ✔ Tier 2 |
Example 3: Spend on credit card with void transactions
Transactions | Eligible Transactions | |
Spend on credit card | 5,000 baht | ✔ |
Spend on credit card | 800 baht | ✔ |
Void last month’s transaction | 200 baht | Deduct transaction from total |
Void last month’s transaction | 50 baht | Do not deduct, not reach min. |
Total card spending transactions | 1 | |
Other Transactions | ||
Pay telephone bill | 150 baht | ✔ |
Pay electricity bill online | 3,000 baht | ✔ |
Total eligible transactions | 3 | |
Bonus interest | ✔ Tier 1 |
Details | Account Opening at Branch |
Customer type |
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Number of Account |
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Initial deposit amount (Baht) |
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Other product/ service required with UOB ONE ACCOUNT |
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Required document |
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Q: What channels can I pay online bills?
A: You can pay bill online via our various channels; UOB Mighty, UOB Personal Internet Banking, TMRW, ATM and CDM of UOB’s Bank.
Q: What kind of online bill can I pay for?
A: There are various types of bill you can pay for such as credit card bills, telephone bill, electricity bill, or Easy Pass top up, except for Online bill payment for vehicle registration renewal. For more information, please go to UOB Mighty, UOB Personal Internet Banking, and TMRW.
Q: Where can I apply for direct debit service and what items can I pay for?
A: You can apply for our direct debit at our UOB branches or at the merchant. You can direct debit your ONE Account for various types of payment such as credit card bills, telephone bill, electricity bill, and home loan. However, direct debit to other UOB accounts, or for mutual fund payment are excluded.
Q: How do I use UOB ONE ACCOUNT as my payroll account?
A: If your company is using our payroll service, please directly inform your HR.