UOB Cash Plus for your 24-hour reserve cash

  • UOB Cash Plus for your 24-hour reserve cash

    Apply once and you can get maximum reserve cash of 1,000,000 baht for your flexibility of spending for all situations.  With UOB Cash Plus card, you will have cash with you all the time! Easy application without collateral or guarantor. UOB Cash Plus provide you online electronic banking service. Through UOB Cash Plus, you can withdraw cash immediately without cash withdraw fee through any domestic and international ATM with PLUS logo. 

Privileges of UOB Cash Plus

Privileges of UOB Cash Plus
  • Apply once and get life-time amount limit
  • Withdraw cash using UOB Cash Plus without cash withdraw fee through any domestic and international ATM with 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, whichever higher.
  • Interest rate calculated based on actual use date only

Qualification of Applicant

Qualification of Applicant
Type of Applicant
Salaried employee
Self-employed
Thai Nationality
Age of 20-60 years
Minimum income
THB 15,000 above
THB 20,000
Years of working
At least 1 year in the current company or same business
At least 3 years in the same business

 

Documents required

Documents required

For employee :

  1. Copy of ID. Card or government official card/state enterprise employee card 
  2. Latest payroll slip (original or copy) or salary confirmation letter (original)
  3. Copy of bank statements (salary account) for the past 6 months (in case of submitting salary confirmation letter)
  4. Copy of book bank for money transfer (in case you need to transfer money to another bank account)
  5. Copy of House registration (in case of submitting copy of government official card/state enterprise employee card)

For self-employed :

  1. Copy of ID. Card
  2. Copy of business registration certificate/commercial certificate (not older than 3 months)
  3. Copy of bank statements for the past 6 months
  4. Copy of shareholder list (not older than 3 months)
  5. Copy of book bank for money transfer (in case you need to transfer money to another bank account)

 

Interest rate, fee, service charge and fine

1. Interest, Service Charges, and Penalty

1.1. Normal Interest Rate

Monthly income (baht)
Interest rate
15,000-24,999 baht
28%
25,000-49,999 baht
27%
50,000 baht and more
25%
Ceiling Interest Rate and Default Rate (Per annum)
N/A

1.2 Prepayment Fee within the first year

N/A

1.3 Arrangement Fee

N/A
2. Expense Paid to Government Agencies
2.1 Stamp Duty

0.05% of credit limit

3. Expense Paid to External Parties
3.1 Payment Service Fee
Payment Channel
Service charges per Transaction
Bangkok and Greater

Upcountry Province

UOB counters
Free
Free
Mailing cheque
Free
Free
Direct Debit
Free
Free
UOB ATM Machine
Free
Free
UOB Phone Banking (Call 0-2285-1555)
Free
Free
UOB Personal Internet Banking * (www.uob.co.th)
Free
Free
Pay at Post
THB 10 /every THB 50,000
At Counter Service (Cash only and not more than THB 30,000/time)
THB 15
THB 20
Bank of Ayudhaya **
- At Counter of Bank of Ayudhaya
- Electronic Channels of Bank of Ayudhaya

THB 15
THB 10

THB 15*
THB 10*
Electronic Channels of siam Commercial Bank **
N/A
N/A
Tesco Lotus
THB 10
TOT
THB 15
mPay STATION
THB 15
BigC
THB 10 / every THB 49,000
CenPay
THB 5
Cross-Bank Bill Payment**
THB 5
True Money Co., Ltd
Maximum of THB 20
3.2 Credit Information Checking Fee
N/A
3.3 Insufficient Fund Expense (via direct debit with other bank’s account)
N/A
3.4 Debt Collection Expense
THB 100 for every statement cycle

*When making pay of over THB 50,000 at Bank of Ayudhya in upcountry provinces, the additional fee of 0.10% of the payment amount or maximum of THB 1,000 shall be imposed.
**Cross-Bank Bills Payment members i.e. Siam Commercial Bank, Thanachart Bank and Government Saving Bank (Data as of Oct 2018) However, type of payment channels depended on each Cross-Bank Bills Payment members announcement

4. Operation Cost of Commercial Bank
4.1 Cheque Return Fee
N/A
4.2 Card Replacement Fee

THB 200/card

4.3 Statement Re-issuance Fee (The second issue onward. Note that the first issue is monthly statement)
THB 100 per statement cycle

4.4 PIN Code Replacement Fee

THB 100 per transaction
4.5 Transaction Inquiry Fee
THB 100 per transaction

Note :
1. Total interest rate, service charges, and penalty inclause 1.1 - 1.3 are not greater than 28% p.a. (Effective Rate)
2. The Bank may change interest rates, service charges, and penalty fees, which will be announced and published at the Bank’s branches and website 30 days in advance by the same means.
3. Fees and service charges are VAT excluded (If any)
4. Payment service fees in clause 3.1 may be revised upon service providers' announcements. 
5. Any debt collection expense charged by service provider will be collected from customer from 1 Jan 09 onwards.
6. Payment channels of each type of personal loans.

Interest Calculation Method

Interest = Loan Size x number of days x Interest rate per year
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