UOB Stash Savings 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 Savings AccountUp to 3.05% p.a.
Interest Rate
0.05% to 3.05% p.a.
Account Type
Goal-Saving
Min. Deposit
RM100
Phone Banking
Available

Get a FREE
RM90 cash and stand a chance to win a Samsung Galaxy S22 Ultra
worth RM5099
when you apply through RinggitPlus *

RM90 cash and stand a chance to win a Samsung Galaxy S22 Ultra

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.
RM100,001RM200,0003.05% p.a.
RM200,001No maximum1.6% p.a.

Features

What would make it different?

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

Fees & Charges

MEPS Withdrawal Fee
RM1
Early Closure Fee
RM20
Inactive Account Fee
RM10

Requirements

Minimum Age
  • 18 years old
Minimum Initial Deposit
RM100
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, all approved applicants of eligible UOB savings account(s) will receive a free sign-up gift of a RM40 Cash via DuitNow.

This campaign runs from 1 June 2022 to 31 July 2022, subject to campaign's terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers that:

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

Those that are not eligible for this campaign include:

  • Customers who already open any participating savings accounts below that are not via RinggitPlus
  • Customers who carry out an online application for 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 an eligible UOB savings account:

  • Download UOB Mighty App and select your choice of the participating savings account
  • Capture an image of your MyKad and perform a facial recognition
  • Complete the e-form
  • Set up your online banking and Mighty Secure
  • 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].

Wait. There's more rewards for you exclusively by UOB!

Aside from the sign-up gift mentioned above with RinggitPlus, you can also stand a chance to bring home another exciting sign-up rewards as well such as RM50 Cash Reward, and Samsung Galaxy S22 Ultra exclusively by UOB.

This on-going campaign by UOB is valid until 31 July 2022, subject to the below campaign's terms and conditions:

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

2. UOB Malaysia "Samsung Galaxy S22 Ultra Campaign" Terms and Conditions

Who is qualified for this promotion?

This campaign is open to new customers that:

  • 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 joint account)
  • Their account(s) with UOB Malaysia are current, subsisting and not in default in any manner

Those that 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 account 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. How can I sign up for an account?

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

  • Download UOB Mighty App and select your choice of the participating savings account
  • Capture an image of your MyKad and perform a facial recognition
  • Complete the e-form
  • Set up your online banking and Mighty Secure
  • 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].


How does a UOB Stash savings account work?

It's a no-brainer that a savings account is intended as a safe place where you can stash your extra money into, 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 TierBase Interest^Bonus Interest**Total RatesMaximum 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% 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% p.a.3.05% p.a.2.30% p.a.
Above RM200,0001.60% p.a.0% p.a.1.60% p.a.2.16% p.a.

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

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

**The maximum effective interest rate for Stash Account is 2.30% p.a. for RM200,000 balance. The effective rate for Balance Tier Above RM200,000 is calculated based on RM250,000 deposit, provided customer's MAB for current month is equal to or more than 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 Mighty 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 on every month 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 savings 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 Mighty App. It’s that simple! Here are the steps that you need to take:

1. Download the UOB Mighty 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), uses a local mobile number, at least 18 years of age, and holds 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
  • Minimum initial deposit of RM500
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