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....