Personal Finance
Compared: UOB One vs UOB Stash (From 1st December 2025)
By Sethisfy  •  November 14, 2025
UOB recently announced interest rate drops for two of its popular accounts UOB One and UOB Stash. How do they fare after the rate revision and what are some alternatives? Interest Rate Comparison Here’s a quick look at how each account fares at various balance amounts: Balance (SGD): 100,000 UOB One Spend S$500 + 3 GIROSpend S$500 + Salary Monthly Interest: $114.58 EIR: 1.38% p.a. UOB Stash Maintain / Increase Balance Monthly Interest: $125.42 EIR: 1.51% p.a. Best UOB Stash pays $10.83 more per month UOB Stash continues to be better at certain bank balances After the last time both accounts got nerfed (UOB One in September 2025 and UOB Stash in July 2025), UOB Stash started becoming better at certain bank balances. At S$100,000, for instance, it gives 2.05% p.a. while UOB One delivers just 1.88% p.a. for those who meet both salary crediting and S$500 card spend requirements. In fact, from S$57,000 to S$105,000, UOB Stash gives a higher effective rate than UOB One despite having nearly no requirements....
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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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