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UOB Singapore Dollar Fixed Deposit Promotion
UOB has refreshed its Singapore Dollar fixed deposit promotion, available from 12 Aug 2026, with promotional interest rates of up to 1.45% p.a. for eligible fresh funds 💹. The offer is open to individual customers, while a higher promotional rate tier applies to eligible customers holding qualifying wealth products with UOB.
The maximum promotional rate is 0.10 percentage point higher than the earlier 1 Jul 2026 round, which offered up to 1.35% p.a. 💹.
UOB SGD fixed deposit promotional rates
Eligible placements start from a minimum of S$10,000 in fresh funds. Promotional interest 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 | 1.30% p.a. | 1.35% p.a. |
| 10-month | 1.35% p.a. | 1.40% p.a. | |
| 12-month | 1.40% p.a. | 1.45% p.a. |
Early withdrawal will result in no promotional interest being paid.
Which tenor offers the highest rate?
The 12-month tenor carries the highest listed rate at 1.40% p.a. under the base promotional tier and 1.45% p.a. for eligible wealth product customers. The 10-month tenor offers 1.35% p.a. and 1.40% p.a. respectively, while the 6-month tenor offers 1.30% p.a. and 1.35% p.a. respectively. Compare the tenor, applicable tier and liquidity needs before locking in a placement 📌.
Who can enjoy the higher wealth product rate?
The higher promotional interest rate is for customers with eligible wealth holdings in the same name or names at the time the fresh-funds fixed deposit is placed. 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. The higher promotional tier applies only to fixed deposit placements made through Relationship Managers or Client Advisors.
What qualifies as fresh funds?
Fresh funds include funds provided through a non-UOB cheque, or funds that are not transferred from existing UOB current, savings or fixed deposit accounts. Funds withdrawn from an existing UOB current, savings or fixed deposit account and re-deposited into the SGD fixed deposit account during the promotional period will not qualify.
A non-UOB cheque may qualify as fresh funds. Funds transferred from existing UOB current, savings or fixed deposit accounts, or funds withdrawn from such accounts and re-deposited during the promotional period, will not qualify. Check the funding source carefully before placing the deposit ✅.
How to place the fixed deposit
Digital placements are available through:
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 begin only from the processing date. Each online placement is capped at S$999,999 per placement.
For customers aiming for the higher wealth-product promotional rate, note that the eligible fixed deposit placement must be made through a Relationship Manager or Client Advisor. The self-service online channels above are the digital placement channels for general fresh-funds placements.
Key points to note
- Promotional interest rates quoted are as at 12 Aug 2026.
- The promotion is for individual customers only.
- The fixed deposit must be placed with qualifying fresh funds and is not valid with other privileges or promotions unless otherwise stated.
- The promotional interest rate applies only if the fixed deposit is held to maturity. If the fixed deposit is prematurely withdrawn, partially withdrawn or prematurely terminated, no promotional interest will be paid.
- Under the promotional terms and conditions, online placements via UOB Personal Internet Banking and UOB TMRW remain capped at S$999,999 per placement.
- UOB may change the promotional period, interest rate, tenor or other terms, or terminate the promotion, without prior notice.
Full terms and conditions for the 6-month, 10-month and 12-month offers are listed in the Useful links section below 📄.
Useful links
Full promotional documents are available 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
For eligible fresh funds, the promotion provides a choice of three tenors, with the highest listed rate reaching 1.45% p.a. for qualifying wealth product customers. Review the qualifying-funds rules, placement channel and maturity requirement before committing funds 🔎.
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