UOB One Account

Introducing UOB's highest interest ever on savings account with just 2 simple steps. Your banking needs are made easier all in One Account.

UOB One AccountEarn up to 6% p.a.
Interest Rate
2% to 6% p.a.
Min. Deposit
Phone Banking

Get a
Touch 'n Go E-Wallet Credit
worth RM200
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Interest Rate

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

Min. AmountMax. AmountInterest Rate
RM1RM50,0002% p.a.
RM50,001RM100,0006% p.a.
RM100,001No maximum2% p.a.


What would make it different?

Online Banking
UOB Personal Internet Banking
Mobile App
PIDM Protected
Up to RM250,000
ATM Card

Fees & Charges

MEPS Withdrawal Fee
Early Closure Fee
Inactive Account Fee


Minimum Age
  • 18 years old
Minimum Initial Deposit
Minimum Balance
Who can apply
  • Malaysians
  • Foreigners

More Information

Apply for a UOB Savings Account with RinggitPlus and get a free sign-up reward!

For a limited time, be the first 125 qualified applicants of eligible UOB savings account(s) through RinggitPlus, and receive a guaranteed sign-up gift of RM200 Touch 'n Go E-Wallet Credit.

This campaign runs from 29 November 2023 to 29 February 2024 (“Promotion Period”), subject to the campaign's terms and conditions.

Who is qualified for this promotion?

This campaign is open to customers who:

  • Sign up for the campaign offer through RinggitPlus
  • Submit their details via the RinggitPlus WhatsApp chatbot and complete their application via the UOB TMRW App within the Promotion Period
  • Successfully register and make deposits for the eligible product(s) within 60 days from the date of completing the UOB savings account application

Those who are not eligible for this campaign include:

  • Customers who already opened any participating savings accounts that are not via RinggitPlus
  • Customers who carry out an online application for a joint account or trust account

Which savings account(s) can I apply for?

You can apply for:

  • UOB Stash Savings Account
  • UOB One Account
  • UOB Lady's Savings Account
  • UOB ProSave Account-i

I'm interested. How can I sign up for an account?

It's simple! Kindly follow these steps to sign up for a participating UOB savings account:

  1. Download the UOB TMRW App, and select your choice of participating savings account
  2. Capture the front and back of your MyKad and perform a facial recognition check
  3. Complete the e-form and state “RPLUS” in the referral ID field
  4. Set up your online banking and Secure PIN
  5. Transfer funds via DuitNow to activate (Pay-to-Account-Number)

Where can I reach out to you for more information?

For any questions, please get in touch with us via email at [email protected]. We're happy to help!

Get Apple products as rewards exclusively by UOB!

Don't miss out on a chance to win Apple products such as the iPhone 15 Pro Max 256GB, Apple Watch Ultra and an iPad Pro 128GB, including an RM50 Welcome Cash Reward exclusively by UOB.

This campaign by UOB runs from 1 November 2023 to 29 February 2024, subject to the below campaign's terms and conditions:

1. UOB Malaysia "RM50 Welcome Reward Campaign" Terms and Conditions

2. UOB Malaysia "iWant One Campaign" Terms and Conditions

Who is qualified for this promotion?

This campaign is open to new and existing UOB Malaysia individual customers who:

  • Are 18 years old and above
  • Does not hold any savings account or current account with UOB Malaysia for the past 12 months prior to the starting date of the campaign
  • Open any of the participating savings account(s) during the campaign period
  • Are the primary account holder of the participating savings account (in the case of a joint account)
  • Their account(s) with UOB Malaysia is current, subsisting and not in default in any manner

Those who are not eligible for this campaign include:

  • Private Banking customers of UOB Malaysia
  • Permanent and contract employees of UOB Malaysia
  • Individual customers whose participating savings account is held jointly with an Employee
  • Non-individual customers of UOB Malaysia
  • Whose participating savings account is pledged, charged or assigned under loan/financing facilities
  • Whose accounts held with UOB Malaysia are terminated or closed within the campaign period

Which savings account(s) can I apply for?

You can apply for:

  • UOB Stash Savings Account
  • UOB One Account
  • UOB Lady's Savings Account
  • UOB ProSave Account-i

I'm interested. What should I do to be eligible as a participant?

Kindly follow these steps to be eligible for the RM50 Welcome Cash Reward:

  • Open a participating savings account during the Campaign Period; and
  • Deposit and maintain a minimum balance of RM1,000 by a respective Balance Date as indicated in the T&C under "Table B"

To qualify for the iWant One Campaign, please follow the steps below. Please refer to the T&C under "Campaign Mechanics and Qualifying Criteria" and "Prizes" to find out more.

New-to-bank customers:

  • Download the UOB TMRW App (previously known as UOB Mighty App) and open a participating savings account; and
  • Maintain a Monthly Average Balance (MAB) of RM500 in the account for every participating month to earn entries

Existing-to-bank customers:

  • Deposit an Incremental Average Balance (IAB) of RM1,000 in the participating account(s) to earn 10 entries

Where can I reach out for more information?

For any questions, please get in touch with UOB Malaysia's authorised representative.

What is UOB One Account?

What sets the UOB One Account apart from other savings accounts in today’s market? 

Our answer is that not only does this savings account provide you with every banking service you need in one account, but it also offers you interest rates that are considerably higher than the average returns you get with a normal savings account, as long as you perform any two (2) actions of your choice from the list of six (6) transaction criteria which will be explained further below.

For now, take a look at the table here for your easy reference on the interest rates:

One Account Balance Tier

Monthly Transaction/Usage

Do nothing

Do 1 action

Do 2 actions

Maximum Effective Interest Rate*

First RM50,000

0.10% p.a.

0.80% p.a.

2.00% p.a.

2.00% p.a.

Next RM50,000

0.10% p.a.

1.80% p.a.

6.00% p.a.

4.00% p.a.

Above RM100,000

2.00% p.a.

2.00% p.a.

2.00% p.a.

3.60% p.a.

*The Maximum Effective Interest Rate on the One Account is 4.00% p.a. at RM100,000 deposit balance, provided customers have completed any of the 2 actions per month.

*The Effective Interest Rate of 3.60% p.a. for a balance tier above RM100,000 is calculated based on an RM125,000 deposit, provided customers complete any of the 2 actions per month.

Tell me more about the transaction criteria

The UOB One Account is a savings account that offers its account holders high-interest rates of up to 6% p.a.* from the base interest and bonus interest. 

And it’s pretty simple to earn that much too. You only need to make sure that you meet any two (2) of the transaction criteria in a month on your balances. 

Let’s check out the requirements:

Onederful Welcome Offer: A bonus interest that you’ll get on your balances on the first 6 months of account opening. Only for New-to-Deposit customers. This means you'll meet one (1) transaction criterion for 6 months just by having One Account as your first deposit account in UOB Malaysia. You'll only need to meet another criterion to maximise your interest rates.

Salary Credit**: Credit a minimum of RM2,000 salary into your One Account every month (**via UOB Infinity).

Card Spend: Have combined minimum spending of RM500 with any of your eligible UOB Debit (UOB Debit Mastercard) or Credit Cards (UOB ONE card, Lady’s card and YOLO card) every month.

Bill Payment: Pay 3 bills (minimum RM50 each) via the UOB TMRW App or Personal Internet Banking every month.

Direct Debit: Make 3 direct debit payments (minimum RM50 each) every month.

Inward Fund Transfer: Deposit a minimum of RM2,000 via Interbank Giro/DuitNow/Instant Transfer every month.

Once you’ve met any of the eligible transactions above, you can be assured that the base interest will be paid at the end of the month, while the bonus interest (if any) will be paid at the beginning of the following month.

Is there any additional benefit?

Yes, there is. Upon opening the UOB One Account, you can enjoy up to 4x MEPS withdrawal fee waivers as long as you maintain a minimum monthly average balance (MAB) of RM5,000 in your account. 

However, if you have a lower amount than that, the usual RM1 fee will still apply whenever you withdraw at any other banks' ATMs nationwide.

How do I sign up for One Account and what are the requirements?

You can forget about the hassle of queuing and waiting at the bank just to open an account as you can simply sign up for one via the UOB TMRW App. 

It’s that simple! Here are the steps that you need to take:

  1. Download the UOB TMRW App and select “One Account”.
  2. Take a picture of your MyKad or NRIC, and perform a quick facial recognition.
  3. Complete the e-form as instructed.
  4. Set up your online banking and Mighty Secure.
  5. Transfer funds via DuitNow (Pay-to-Account-Number).

And you’re done! Your account is now active and you may start performing any transactions.

You are eligible to open a UOB One Account if you are a Malaysian citizen residing in Malaysia, possess a MyKad or NRIC issued post-April 2012 (with ghost image), use a local mobile number, are at least 18 years of age, and hold a current/savings account in another local bank with internet banking access.

Can I still open a UOB One Account if I don't meet the above requirements?

Yes! Malaysians and Foreigners can still apply for the account if they're at least 18 years old.

There are a few documents that you'll need to prepare before making your way to the nearest UOB Malaysia branch:

  • MyKad (IC) for Malaysians, and Passport for foreigners
  • A copy of your latest water, electricity or phone bill with your name and address clearly stated
  • Letter of Employment or Student Permit for foreigners who are working or studying in Malaysia
  • A minimum initial deposit of RM500
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