UOB Stash Account Interest 2025: Current Rate & Dec Cut

The UOB Stash account’s interest rate is about to drop sharply on 1 December 2025, and that changes the calculus for savers who rely on its simplicity. This guide walks through the current rates, comparison to UOB One, and practical steps to keep earning more.

Base Interest Rate: 0.05% p.a. ·
Bonus Interest Rate (max): up to 1.95% p.a. ·
Maximum Effective Interest Rate (current): 2.04% p.a. (on S$75,000) ·
Maximum Effective Interest Rate (from 1 Dec 2025): 1.504% p.a. ·
Interest Payment Frequency: Monthly ·
Minimum Balance: S$0

Here are the key facts summarised:

What is the interest rate on a UOB Stash account?

UOB Stash is straightforward: you earn a base interest rate of 0.05% p.a. on every dollar, no matter how much you hold, as confirmed by UOB Online Rates page (Singapore retail banking). On top of that, there’s a bonus interest rate of up to 1.95% p.a. — but only on the first S$75,000 of your balance. That gives a current maximum effective interest rate (EIR) of 2.04% p.a. on S$75,000.

How often is UOB Stash interest paid?

Interest is calculated daily on your end-day balance and credited to your account monthly, according to the UOB Stash terms (official product page). That means your earnings compound at the account level once a month, not daily.

When is UOB Stash account interest credited?

The exact calendar date isn’t published on the product page – only “monthly” is stated. Customers typically see the credit appear in the first week of the following month, but the bank does not specify a guaranteed date. For the most precise timing, check your statement or contact UOB customer service (Singapore’s major bank).

How to calculate UOB Stash account interest?

Take your daily end-day balance, multiply by the applicable rate (base + bonus if you qualify), then sum across the month. Example: S$75,000 at current max EIR 2.04% p.a. yields roughly S$1,530 yearly, or about S$127.50 per month before the revision. After 1 Dec 2025, the same balance at 1.504% would yield about S$1,128 yearly.

The pattern is clear: the account’s simplicity comes at a cost of declining yield, forcing savers to reconsider their strategy.

How does UOB One compare to UOB Stash?

If you’re chasing higher yields, UOB One is the obvious alternative — but it comes with strings attached. The trade-off: simplicity versus potential reward. Below is a side-by-side comparison based on UOB One official product page (Singapore retail banking) and Growbeansprout (Singapore personal finance blog).

What is the UOB One Account interest rate?

UOB One offers tiered interest: base 0.05% plus bonus up to 2.95% for salary credit customers, bringing the maximum EIR to around 3% p.a. on balances up to S$75,000, per UOB One official product page (Singapore retail banking). For card spend only (no salary credit), the max EIR is lower — around 1.5%.

Which bank gives 7% interest on savings accounts?

No major Singapore bank currently offers a plain savings account at 7% p.a. Promotional time deposits or certain foreign banks may run limited-time offers, but for standard accounts, the highest you’ll find is around 3–4% p.a. with conditions (e.g., UOB One at 3% p.a.). Always check the fine print for balance caps and eligibility.

The implication is that for disciplined earners meeting conditions, UOB One offers a clear upgrade; for others, the simplicity of Stash still holds appeal.

How to increase UOB Stash interest?

Boosting your Stash returns is about two things: growing your balance each month and avoiding withdrawals that dip below the previous month’s end-day level. Here’s a step-by-step strategy based on UOB’s bonus interest conditions (official PDF).

1. Grow your balance month over month. The bonus interest is earned only if your month-end balance is equal to or higher than the previous month’s end-day balance. Even a S$1 increase counts.
2. Keep new deposits above S$75,000. Bonus interest applies only up to the first S$75,000. Balances above that earn only the base 0.05%.
3. Avoid withdrawals during the month. If you need to take money out, try to do it in a month where you can still end higher than the prior month. Withdrawals that drop the balance below the previous month’s level forfeit the bonus for that cycle.
4. Consider linking to another account. Use Stash as a parking account for savings you don’t plan to touch. For everyday expenses, use a separate transactional account to avoid accidental withdrawals.
5. Review your balances quarterly. If you see the balance stagnating or dropping, re-evaluate whether UOB One or another account would give better returns.

Can I have two UOB Stash accounts?

According to UOB’s product terms (official page), only one Stash account per customer is allowed. Opening a second joint account in your name likely won’t be approved.

How much interest can I earn on 100k in UOB Stash?

At the current rate, the first S$75,000 earns up to 2.04% p.a. (~S$1,530 yearly), and the remaining S$25,000 earns only the base 0.05% (~S$12.50 yearly), for a total of about S$1,542.50 annually. After the December 2025 revision, the maximum drops: the first S$75,000 will earn about 1.504% (~S$1,128 yearly), plus the same base on the excess, totaling roughly S$1,140 yearly.

What happens to bonus interest if I withdraw?

If at month-end your balance is lower than the previous month’s end-day balance, you lose the bonus interest for that entire month. You’ll only earn the base 0.05% p.a. on that month’s average balance, as per UOB’s bonus conditions (official PDF).

The takeaway: discipline is key; any withdrawal risks forfeiting the bonus for the month.

What are the upcoming changes to UOB Stash interest rates?

The biggest news for UOB Stash holders is the rate revision effective 1 December 2025. Confirmed by UOB’s official revision PDF (Singapore banking division), the maximum effective interest rate will fall from 2.04% p.a. to 1.504% p.a. on the eligible S$75,000. The base rate stays at 0.05% p.a., but the bonus tiers are compressed.

How will the revision affect my earnings?

If you hold S$75,000 in the account, your annual interest drops from roughly S$1,530 to about S$1,128 – a S$402 loss. For balances above S$75,000, the impact is even steeper proportionally because the excess already earned only base rate. The annual interest cap (currently S$1,500) will be lowered, though the new cap hasn’t been published yet.

When does the new rate take effect?

The revision applies from 1 December 2025. There is no grandfathering – all Stash account holders, existing and new, are subject to the new rates immediately, as per UOB’s revision notice (official PDF).

The pattern is unmistakable: the rate cut erodes the account’s value proposition, pushing savers toward alternatives.

Is UOB Stash worth it?

After weighing the rates, conditions, and upcoming cut, the answer depends on who you are. The account’s strength is its simplicity: no salary credit, no minimum balance, no monthly fees. But the low base rate and shrinking bonus cap make it a poor long-term growth vehicle.

Is UOB Stash a good savings option?

It’s a decent option for emergency funds or short-term cash parking because you can access money anytime without penalty. But for building wealth, alternatives like UOB One (higher conditional rates), CPF Special Account (4%+), or T-bills (3-4%) offer better returns.

What are the pros and cons of UOB Stash?

For the average saver in Singapore, the decision after December 2025 is clear: keep a modest stash in this account for its zero-friction convenience, but move larger sums to UOB One if you can meet the conditions, or to CPF/T-bills for better yields. The simplicity of Stash no longer compensates for the lost interest. If your salary can’t qualify for UOB One, consider a high-interest savings account from another bank or a fixed deposit with a competitive rate. For emergency funds under S$75,000 that you need immediate access to, UOB Stash remains a practical choice – just don’t expect it to build wealth.