UOB Stash Account

Growing your savings is now hassle-free! Earn base and monthly bonus interest by just maintaining a balance amount with UOB Stash!

UOB Stash AccountUp to 3.20% p.a.
Interest Rate
0.05% to 3.2% p.a.
Account Type
Min. Deposit
Phone Banking

Interest Rate

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

Min. AmountMax. AmountInterest Rate
RM1RM25,0000.05% p.a.
RM25,001RM50,0001.05% p.a.
RM50,001RM100,0002.55% p.a.
RM100,001RM200,0003.2% p.a.
RM200,001No maximum1.6% 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
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 only, selected approved applicants of eligible UOB savings account(s) will receive a sign-up gift of RM200 Touch 'n Go E-Wallet Credit (limited to 170 winners).

This campaign runs from 21 August 2023 to 31 October 2023, subject to the campaign's terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers who:

  • Sign up for the campaign offer through the link provided on RinggitPlus and submit their details via the RinggitPlus WhatsApp chatbot
  • Download the UOB CASA Application via the UOB TMRW App (previously known as the UOB Mighty App)

Those who are not eligible for this campaign include:

  • Customers who already opened any participating savings accounts below 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 UOB TMRW App (previously known as UOB Mighty App) and select your choice of the participating savings account
  2. Capture an image of your MyKad and perform a facial recognition
  3. Complete the e-form
  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 travel and cash rewards exclusively by UOB!

Don't miss out on a chance to win travel packages with business class flights and dining experiences for 2 pax to either London or Japan, as well as an RM500 cash reward, plus an RM50 Welcome Cash Reward exclusively by UOB.

This campaign by UOB runs from 1 August 2023 to 31 October 2023, subject to the below campaign's terms and conditions:

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

2. UOB Malaysia "Save, Fly And Dine With UOB 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 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 Save, Fly And Dine With UOB 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 to you for more information?

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

How does a UOB Stash Account work?

It's a no-brainer that a savings account is intended as a safe place where you can stash your extra money, and top it off with its flexibility for withdrawals, it is ideal and convenient for your everyday banking use or for short-term savings.

Contrary to other banks which offer you the bare minimum for your savings, UOB Stash gives you two types of interest payments - base and monthly bonus interest payments.

All you have to do is to maintain your account balance with the freedom to withdraw or top up your cash whenever you need to with no lock-in period!

Balance Tier Base Interest^ Bonus Interest** Total Rates Maximum Effective Interest Rate**
First RM25,000 0.05% p.a. 0.00% p.a. 0.05% p.a. 0.05% p.a.
Next RM25,000 0.05% p.a. 1.00% p.a. 1.05% p.a. 0.55% p.a.
Next RM50,000 0.05% p.a. 2.50% p.a. 2.55% p.a. 1.55% p.a.
Next RM100,000 0.05% p.a. 3.15% p.a. 3.20% p.a. 2.38% p.a.
Above RM200,000 1.60% p.a. 0.00% p.a. 1.60% p.a. 2.22% p.a.

^Base interest is accrued daily, based on the day-end account balance and will be credited on each calendar month's end.

**Bonus interest is calculated based on the Monthly Average Balance and credited on the first business day of the following calendar month.

**The maximum effective interest rate for Stash Account is 2.38% p.a. for the RM200,000 balance. The effective rate for a Balance Tier Above RM200,000 is calculated based on an RM250,000 deposit, provided the customer's MAB for the current month is equal to or more than the previous month's MAB.

How do I earn Bonus Interest and Base Interest?

You are entitled to enjoy Bonus Interest as long as you maintain or increase your Stash Account's Monthly Average Balance (MAB) against the previous month's - it's that simple.

If you have cashed out this month and wish to top up to earn Bonus Interest, you can top up your preferred amount anytime through online fund transfers or cash deposits.

Stash Account holders can also refer to the tool in UOB Personal Internet Banking or UOB TMRW App to monitor the amount needed to top up to meet the Bonus Interest requirement for the month.

Base Interest is accrued daily and credited at every month's end.

What are the requirements for this account?

First off, this account is flexible and is open to Malaysians and Foreigners over the age of 18 years old.

If you're ready to 'Stash your cash away' by opening a UOB Stash Account, you can visit your preferred UOB Malaysia branch or any UOB Malaysia branch nearest to you.

For Malaysians, do remember to bring along your NRIC for the application along with one of these documents that bears your name and address:

  • Utility bill (eg: Water, Electricity or Telephone bills); OR
  • Quit Rent Assessment; OR
  • Bank Statement; OR
  • Employer Confirmation Letter

For Foreigners who are working or studying in Malaysia, do bring along your Passport and: 

  • Letter of Employment; OR
  • Student Permit/Pass

The initial deposit to open a UOB Stash savings account is RM500 with no minimum balance to maintain in the account.

Can I sign up for Stash Account online?

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 “Stash 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 Stash 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 Stash 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 your nearest UOB branch:

  • MyKad (IC) for Malaysians and Passport for foreigners
  • A copy of your latest water, electricity and 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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