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.

    • Phone Banking Service
    • Account Statement
  • Min. AmountMax. AmountInterest Rate
    RM1RM100000.05% p.a.
    RM10001RM500000.25% p.a.
    RM50001RM1000000.3% p.a.
    RM100001RM3000000.5% p.a.
    RM300001no maximum0.6% 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

    Fees & Charges

    There are always fees but how much are they?

    Service Fee
  • RM15.00
  • Waived with monthly average balance of RM2000
  • MEPS Withdrawal Fee
    HOUSe Withdrawal Fee
    Overseas Withdrawal Fee
    Early Closure Fee
    Dishonoured Cheque Fee
    Stop Payment Cheque Fee


    Are you eligible for this account?

  • Malaysians
  • Permanent Residents
  • Foreigners
  • Introducer
    Minimum Age
    21 years old
    Minimum Initial Deposit

    Frequently Asked Questions about UOB i-Account

    Things you might want to know

    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.

    Read More