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UOB Singapore Dollar Fixed Deposit Promotion
UOB has refreshed its Singapore Dollar fixed deposit promotion from 1 Jul 2026, with promotional interest rates of up to 1.35% p.a. for eligible fresh funds 💹. The offer is available to individual customers, with a higher promotional rate tier for customers holding eligible wealth products with UOB.
The latest rates are higher than the earlier 23 Apr 2026 round published on SingPromos. The earlier article listed a headline rate of up to 1.25% p.a., while this refresh goes up to 1.35% p.a.; the biggest listed improvement is on the 12-month non-wealth tier, which rises from 1.15% p.a. to 1.30% p.a. 💹
UOB SGD fixed deposit promotional rates
Eligible placements start from a minimum of S$10,000 in fresh funds. The promotional interest rate applies only when the fixed deposit is maintained until maturity.
| Tenor | Deposit Amount (Fresh Funds) | Base Promotional Interest Rate | Promotional Interest Rate for Customers with Wealth Products* |
|---|---|---|---|
| 6-month | Minimum S$10,000 | 1.20% p.a. | 1.25% p.a. |
| 10-month | 1.25% p.a. | 1.30% p.a. | |
| 12-month | 1.30% p.a. | 1.35% p.a. |
Early withdrawal will result in no promotional interest being paid.
Who can enjoy the higher wealth product rate?
The higher promotional interest rate is meant for customers with eligible wealth holdings in the same name or names at the time of placing the fresh funds fixed deposit. Eligible wealth products include Bonds, Maxi Yield, Structured Deposits, Structured Notes, Unit Trusts, Regular Premium insurance plans and Single Premium insurance plans. These wealth products must have been made through a UOB relationship manager or client advisor and must not be made using CPF monies.
This higher tier applies only for placements made through Relationship Managers or Client Advisors.
What qualifies as fresh funds?
Fresh funds include funds in the form of a non-UOB cheque, or funds that are not transferred from existing UOB current, savings or fixed deposit accounts. Funds withdrawn from any existing UOB current, savings or fixed deposit account and re-deposited into the SGD fixed deposit account during the promotional period will not qualify.
UOB cheques, cashier’s orders and demand drafts are excluded. Check the funding source before placing the deposit so the promotional rate is not lost ✅.
UOB cheques, cashier’s orders and demand drafts are also excluded. To qualify, the placement should be made using funds that meet UOB’s fresh funds requirement ✅.
How to place the fixed deposit
Digital placements are available through:
- UOB Personal Internet Banking
- UOB TMRW mobile app
Online placement timings:
- Monday to Friday: 9.30am to 9.30pm
- Saturday: 8.00am to 9.30pm
- Instructions submitted outside these hours, on Sundays or on Public Holidays will be processed on the next business day.
The value date and interest accrual will begin only from the processing date. Each online placement is capped at S$999,999 per placement.
Key points to note
- Promotion applies to individual customers only.
- Promotional rates quoted are from 1 Jul 2026.
- The fixed deposit must be placed using eligible fresh funds.
- Deposits made with Supplementary Retirement Scheme (SRS) funds, or deposits that are pledged, encumbered or used as security, do not qualify.
- The promotional rate applies only when the fixed deposit is held to maturity.
- The promotional rate will not be payable if the fixed deposit is prematurely or partially withdrawn, or prematurely terminated.
- Upon maturity, principal and interest may be renewed at UOB’s prevailing SGD fixed deposit board rate for the same tenor unless other maturity instructions have been provided.
- If the SGD fixed deposit account is closed within six months from the date it was opened, an early account closure fee of S$30 may apply.
- Singapore dollar deposits of non-bank depositors are insured by SDIC for up to S$100,000 in aggregate per depositor per Scheme member.
- UOB may change the promotion period, interest rates, tenors, terms or end the promotion without prior notice.
- This promotion is not valid with other privileges or promotions unless otherwise allowed by UOB.
Useful links
Full promotional documents can be viewed here: 6-month Promotional Interest Rate (PDF), 10-month Promotional Interest Rate (PDF) and 12-month Promotional Interest Rate (PDF).
- UOB Singapore Dollar Time/Fixed Deposit Promotion
- UOB Singapore Dollar Time/Fixed Deposit rates page
- Compare other options here: Best Singapore Fixed Deposit Rates and Savings Accounts
Overall, this UOB SGD fixed deposit promotion may suit those seeking a straightforward Singapore dollar placement with fixed tenors and fresh funds. Customers with eligible wealth products may receive a slightly better rate, while others can still compare the base promotional rates against other current deposit options before deciding 🏦.
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