UOB i-Account

Your solution to proper cash management, this is an interest bearing current account with convenient instant overdraft services - for whenever you need the extra cash.

UOB i-Account
Interest Rate
0.05% to 0.05% p.a.
Service Charge
Min. Deposit
Phone Banking
Account Statement

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
RM10,001RM300,0000.05% p.a.
RM300,001No maximum0.05% p.a.


What would make it different?

Instant Overdraft
Overdraft Prescribed Rate
BR + 4.46% p.a.
Online Banking
UOB Personal Internet Banking
Mobile App
PIDM Protected
Up to RM250,000

Fees & Charges

Service Charge
RM15 undefined waived with monthly average balance of RM2,000
MEPS Withdrawal Fee
HOUSe Withdrawal Fee
Overseas Withdrawal Fee
Early Closure Fee
Dishonoured Cheque Fee
Stop Payment Cheque Fee


Minimum Age
  • 21 years old
Minimum Initial Deposit
Who can apply
  • Malaysians
  • Permanent Residents
  • Foreigners

More Information

Am I eligible to apply for UOB i-Account?

Let’s go through the checklist below to find out if you are qualified to sign up for UOB i-Account:

  • You must be at least 21 years old; and
  • Malaysian and permanent resident with valid Identity Card.

If you have met all the requirements above, prepare a minimum initial deposit of RM5,000 to open this current account.

What makes UOB i-Account unique?

UOB i-Account is an interest-bearing current account where your money can multiply every month. To qualify for this monthly compounding effect, you need to maintain a balance of at least RM2,000.

When your money gradually grows, you can access to the fruit of your labour across multitude of channels, such as UOB Personal Internet Banking, 24-hour Phone Banking as well as 24-hour e-Banking Centre.

Over here, you can perform all your banking needs, from fund transfer, bill and loan payments, statement review to investing or trading.

Plus, you get to benefit from a special brokerage fee (if you are a keen trader and investor) and a high adjustable online transaction limit up to RM250,000.

Do I get a cheque book and debit card?

UOB i-Account strives to make your wealth management simple, accessible and full of choices.

A cheque book is essential to a current account and reliable when you need to make a big buck payment – since carrying hard cash can be risky in this day and age.

Besides, you will also be issued with a UOB Debit MasterCard, which has better security features compared to cash and cheque, for free.

Do I get an Overdraft Facility?

Overdraft facility is available upon your request to UOB and also at its discretion. Just remember to service your interest charges on time and make a full settlement of your overdraft when it is due.

What are the fees and charges I should know?

These are few but significant fees and charges you should be aware of:

  • Stamp Duty on cheque book (50 leaves): RM7.50
  • Monthly Service Charge: RM15, if average balance falls below RM2,000
  • Early Account Closure: RM20, if closed within 3 months of opening
  • Dishonoured Cheque: RM100, due to insufficient funds
  • Stop Payment Cheque: RM10

Is my money protected under PIDM?

Absolutely. Your deposit in UOB i-Account is eligible for protection under PIDM for up to RM250,000.

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