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UOB Singapore Dollar (SGD) Fixed Deposit Promotion
United Overseas Bank (UOB) has rolled out promotional fixed deposit (FD) rates offering returns of up to 1.2% p.a. on fresh funds. These are unchanged from the rates published on 1 Oct 2025, giving savers another chance to lock in steady returns with the assurance of a time deposit.
Promotional rates (SGD)
| Tenor | Minimum Deposit | Rate (p.a.) |
|---|---|---|
| 6-month | S$10,000 | 1.2% p.a. |
| 10-month | S$10,000 | 1.0% p.a. |
Interest is paid only if the FD is held to maturity. Early withdrawals typically forfeit interest.
What counts as fresh funds?
Fresh funds are monies not currently placed with UOB. Transfers from existing UOB accounts, UOB cheques, cashier’s orders or demand drafts are not eligible.
How to place the deposit (digital)
- UOB Personal Internet Banking
- UOB TMRW mobile app
Online placement timings:
- Mondays to Fridays: 9.30am – 9.30pm
- Saturdays: 8.00am – 9.30pm
- Closed on Sundays and Public Holidays
Each online transaction is capped at S$999,999.
How much could a saver earn? (illustrations)
- 6-month at 1.2% p.a.: On S$10,000 held to maturity, simple interest ≈ S$10,000 × 1.2% × (6/12) = S$60.00.
- 10-month at 1.0% p.a.: On S$10,000 held to maturity, simple interest ≈ S$10,000 × 1.0% × (10/12) = ~S$83.33.
Figures are illustrative, before any fees or rounding applied by the bank.
Who is this for?
- Risk-averse savers who prioritise capital stability and guaranteed returns.
- Short-to-mid term planners with cash they will not need for the next 6 to 10 months.
- Those maximising fresh funds from salary/incoming transfers to capture the promo rate.
Smart tips before placing
- Deposit insurance: In Singapore, eligible deposits are covered by SDIC (up to S$100,000 per depositor per member bank).
- Set maturity instructions upfront (auto-renew or credit to account) to avoid rollovers you don’t want.
- Keep liquidity: Park only sums you won’t need; early withdrawal typically forfeits interest.
- Compare across banks: See alternatives and ongoing offers via this summary page.
Key terms & conditions (highlights)
- Applies only to fresh funds from eligible sources.
- Not valid with other promotions unless stated.
- Interest is payable only if deposits are held to maturity.
- UOB may change the terms, revise rates, or withdraw the promotion without prior notice.
Refer to UOB’s official documents for the full details: 6-month Promotional Interest Rate and 10-month Promotional Interest Rate.
With rates of up to 1.2% p.a. on the 6-month tenor and 1.0% p.a. on the 10-month tenor, UOB’s latest SGD fixed deposit promotion from 1 Nov 2025 provides a simple, low-risk way to earn predictable returns. Savers who can commit funds for the stated tenors and meet the fresh-funds requirement can consider locking in now – while also comparing bank-wide offers to suit their liquidity needs.
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