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Starting Business

Starting Business

Build your business effectively with advice from decades worth of industry experience and knowledge.

Connecting start-ups to growth
GUIDE

Connecting start-ups to growth

Voted The Asian Banker’s Best SME Bank in Singapore & Asia Pacific 2022, UOB has proven expertise in supporting SMEs for over eight decades. Let UOB be your gateway to the right growth opportunities.

Solutions to start a business

  • All
  • Accounts & Transact
  • Invest & Insure
  • Finance
  • Trade & FSCM
  • Digital
  • Sustainability
UOB eBusiness Account
uob_ebusiness_account
Accounts & Transact

UOB eBusiness Account

Go digital and enjoy round-the-clock banking convenience with transaction fee savings.

  • Free FAST & PayNow FAST transactions
  • Free bulk GIRO payroll transactions
  • Free GIRO payment & collection transactions
  • Free access to UOB Infinity and UOB SME App
  • 12 months fall-below fee waiver
  • Low minimum average daily balance
UOB BizGlobal Account
uob_bizglobal_account
Accounts & Transact

UOB BizGlobal Account

Save more on your USD cash management and trade finance fees.

  • Earn interest on your deposits
  • Free inward telegraphic transfers
  • Low outward telegraphic transfer fees
  • Save on trade transactions
  • Preferential rate for trade financing
  • Stay updated
UOB FlexiYield Account
uob_flexiyield_account
Accounts & Transact

UOB FlexiYield Account

Enjoy higher interest rates as you plan ahead for your working capital needs.

  • Attractive interest
  • Greater flexibility
  • No maturity dates
Corporate Current Account
corporate_current_account
Accounts & Transact

Corporate Current Account

An everyday account for your business needs.

  • Low initial deposit
  • Free Corporate ATM Card
  • Ease of managing accounts
Corporate Global Currency Account
corporate_global_currency_account
Accounts & Transact

Corporate Global Currency Account

Manage your daily transactions in foreign currencies with greater ease.

  • For your multi-currency needs
  • Available in major currencies
  • Earn daily interest on selected currencies
  • Simple to manage
PayNow Corporate
paynow_corporate
Accounts & Transact

PayNow Corporate

Make and receive digital payments instantly with PayNow.

  • Easy and secure fund transfers
  • Greater convenience
  • Simple to use
  • Instant and 24x7 availabillity
Interbank GIRO
interbank_giro
Accounts & Transact

Interbank GIRO

The most cost-efficient way to make SGD payments.

  • Transact with greater ease
  • Transfer funds securely
  • Lower operational costs
  • Payment certainty
Payroll Services
payroll_services
Accounts & Transact

Payroll Services

Streamline your payroll management.

  • Pay employees timely
  • Ensure payroll confidentiality
  • Pay securely via UOB electronic channels
  • Reduce operational costs
Telegraphic Transfers
telegraphic_transfers
Accounts & Transact

Telegraphic Transfers

Manage your payments and collections efficiently in multiple currencies.

  • A broad spectrum of currencies
  • Tap on our extensive network
  • Pay securely via UOB electronic channels
  • Keep informed of payment statuses
  • Choice of single and bulk payment options
Currency Hedging (FX)
currency_hedging_(fx)
Accounts & Transact

Currency Hedging (FX)

Currency exchange for foreign currency needs.

  • Dedicated support
  • Enjoy competitive pricing
  • In-depth market insights
  • Avoid currency fluctuations
  • Online EFX booking
  • Cashflow and balance sheet management
Interest Rate Hedging
interest_rate_hedging
Accounts & Transact

Interest Rate Hedging

Manage your company's interest rate exposure with UOB's interest rate derivative solutions.

    UOB Business World Debit Card
    uob_business_world_debit_card
    Accounts & Transact

    UOB Business World Debit Card

    Take your business further with the highest cash rebate.

    • Cash rebate
    • Complimentary Corporate Liability Waiver
    • All-in-one debit card
    • Mobile wallet feature
    UOB Business Plus Card
    uob_business_plus_card
    Accounts & Transact

    UOB Business Plus Card

    Enjoy extended payment terms on top of low interest rates

    • Low interest rate of 1.15%
    • Extended payment terms
    • Fast access to cash
    UOB Corporate Card
    uob_corporate_card
    Accounts & Transact

    UOB Corporate Card

    Manage your employees' business expenses with customised controls.

    • Corporate Liability Waiver Insurance
    • Multi-currency (USD/HKD) card
    • Spending visibility
    • Card control and security
    UOB Purchasing Card
    uob_purchasing_card
    Accounts & Transact

    UOB Purchasing Card

    A procurement solution to simplify processes and gain more control over your business finances.

    • Improved cash flow
    • Greater efficiency
    • Card control and security
    • Spending visibility
    • Significant savings
    • Corporate Liability Waiver Insurance
    Virtual Payment Solutions
    virtual_payment_solutions
    Accounts & Transact

    Virtual Payment Solutions

    Digitise and automate your payment processes to maximise efficiency and security.

      Structured Deposits
      structured_deposits
      Invest & Insure

      Structured Deposits

      Secure your investment while enjoying potential higher returns.

      • Enjoy potentially higher returns
      • No upfront fees
      • Principal Protected
      Structured Notes
      structured_notes
      Invest & Insure

      Structured Notes

      A debt security linked to the performance of an underlying asset, group of assets, or index.

      • Customised solutions
      • Accessibility to selected asset or index
      • Portfolio enhancement
      Dual Currency Investment (MaxiYield)
      dual_currency_investment_(maxiyield)
      Invest & Insure

      Dual Currency Investment (MaxiYield)

      Short-term investment linked to your choice of currency pair.

      • Earn enhanced yields
      • Pre-agreed exchange rates
      • Pick from 10 global currencies
      • Minimum tenure of 1 week
      • No upfront fees
      UOB BizCare
      uob_bizcare
      Invest & Insure

      UOB BizCare

      Protect your important business with a comprehensive insurance plan that covers nine business risks such as public liability, cyber risks and accidental loss or damage of your goods and property.

      • Covers a wide range of risks
      • Get instant approval
      • Pay less for more coverage
      Employee Benefits Insurance
      employee_benefits_insurance
      Invest & Insure

      Employee Benefits Insurance

      Protect your employees’ health and wellness with a flexible insurance plan customised to your needs.

      • Low eligibility requirement
      • Customise your policy
      • Extended cover available
      • 24-hour worldwide coverage
      • Complimentary benefits
      • Hassle-free
      UOB BizDrive
      uob_bizdrive
      Invest & Insure

      UOB BizDrive

      Protect your commercial vehicles against damage or loss.

      • 24-hour assistance
      • 5-day cash allowance
      • Choose your own workshop
      • Enjoy lower excess for own damage
      • 0% instalment plans
      Business Insurance
      business_insurance
      Invest & Insure

      Business Insurance

      Manage key risks around key personnel, credit obligations, and staff programmes.

      • Keyman Insurance
      • Credit Protection
      • Share Buy / Sell Arrangements
      • Employee Benefits (Individual Life)
      UOB Business Loan
      uob_business_loan
      Finance

      UOB Business Loan

      Sustain and fund your business growth with extra working capital of up to S$800,000. No collaterals required. T&Cs apply.

      • Loan up to S$800,000
      • Applicable for startups
      • No collaterals required
      • 1-day response
      • Enjoy preferential rates
      Commercial Vehicle & Machinery Financing
      commercial_vehicle_&_machinery_financing
      Finance

      Commercial Vehicle & Machinery Financing

      Commercial vehicle and machinery financing to speed your business growth.

      • Minimise upfront capital outlay
      • Flat rates monthly repayments
      • Fast loan disbursement
      • Eco-friendly
      Commercial & Industrial Property Loan
      commercial_&_industrial_property_loan
      Finance

      Commercial & Industrial Property Loan

      Expand your business space with a UOB Commercial & Industrial Property Loan.

      • Attractive interest rates
      • Flexible repayment period
      • Flexible financing structure
      • High financing quantum
      • 1-day response time
      Fixed Asset Loans
      fixed_asset_loans
      Finance

      Fixed Asset Loans

      Unlock your business potential with UOB Fixed Asset Financing Solutions.

        Government Assistance Schemes
        government_assistance_schemes
        Finance

        Government Assistance Schemes

        Fund your business growth with government-backed financing schemes.

        • Low interest rates
        • Tailored financing solutions
        • Flexible repayment structure
        Working Capital Loan
        working_capital_loan
        Finance

        Working Capital Loan

        Unlock your business potential with UOB’s working capital solutions.

        • Boost your liquidity
        • Tailored financing solutions
        • Flexible repayment schedule
        Guarantees
        guarantees
        Trade & FSCM

        Guarantees

        Guarantee payments to your beneficiaries while optimising working capital.

          Import/Buyer
          import/buyer
          Trade & FSCM

          Import/Buyer

          Comprehensive import solutions to enhance your working capital and procurement cycle.

            Export/Seller
            export/seller
            Trade & FSCM

            Export/Seller

            Convert receivables to cash with comprehensive export solutions.

              Financial Supply Chain Management
              financial_supply_chain_management
              Trade & FSCM

              Financial Supply Chain Management

              Comprehensive FSCM solutions that optimises your working capital at different stages of your supply chain.

                UOB SME App
                uob_sme_app
                Digital

                UOB SME App

                An all-in-one digital platform designed to help SMEs stay on top of business with real-time interactive cashflow, online banking solutions and business insights.

                  UOB eAlerts
                  uob_ealerts
                  Digital

                  UOB eAlerts

                  Get alerts for accounts and trade finance activities to better manage your business.

                  • Monitor cash flow and trade transactions
                  • Stay updated on trade
                  • Straight to your inbox
                  • Choose alerts that matter
                  • Free alert subscription
                  • Stay connected anywhere
                  Open COE Bidding
                  open_coe_bidding
                  Digital

                  Open COE Bidding

                  A secure and convenient way to bid for Certificates of Entitlement.

                  • Convenient online bidding
                  • Ease of managing your bids
                  • Real-time access to bidding information
                  UOB Infinity
                  uob_infinity
                  Digital

                  UOB Infinity

                  Connect with UOB Infinity – your digital platform for Cash Management, Financial Supply Chain Management and Trade needs across 10 markets in ASEAN.

                    Regional File Transfer Services
                    regional_file_transfer_services
                    Digital

                    Regional File Transfer Services

                    Send and receive key documents in bulk between the bank and your company.

                    • Wide range of payment/collection types
                    • Accurate
                    • Efficient
                    • Secure
                    • Time and cost effective
                    • Ease of reconciliation
                    SWIFT Services
                    swift_services
                    Digital

                    SWIFT Services

                    A single connection to seamlessly connect with all your banking partners.

                    • Streamlined
                    • Optimal
                    • Flexible
                    • Efficient
                    UOB BizSmart
                    uob_bizsmart
                    Digital

                    UOB BizSmart

                    Manage operations through UOB BizSmart - our suite of digital solutions to drive business efficiency and growth.

                      UOB Sustainability Compass
                      uob_sustainability_compass
                      Sustainability

                      UOB Sustainability Compass

                      Get clear, actionable steps for your sustainability journey.

                        U-Drive
                        u-drive
                        Sustainability

                        U-Drive

                        Simplifying your switch to electric vehicles with a comprehensive financing solution for the entire ecosystem.

                          U-Energy
                          u-energy
                          Sustainability

                          U-Energy

                          Asia’s first Integrated Energy Efficiency Financing Platform.

                            Sustainable Trade
                            sustainable_trade
                            Sustainability

                            Sustainable Trade

                            Supports the enhancement of sustainable supply chains.

                              U-Series
                              u-series
                              Sustainability

                              U-Series

                              Where sustainability meets simplicity. Experience reduced complexity as you advance your sustainability journey forward.

                                Sustainable Accounts & Deposits
                                sustainable_accounts_&_deposits
                                Sustainability

                                Sustainable Accounts & Deposits

                                Supporting your sustainability agenda through your operating and surplus cash.

                                  Green Finance
                                  green_finance
                                  Sustainability

                                  Green Finance

                                  Businesses can tap on green finance to reduce emissions and progress to a low-carbon economy.

                                    Transition Finance
                                    transition_finance
                                    Sustainability

                                    Transition Finance

                                    Supports companies in the energy intensive, fossil fuels-based, and hard-to-abate sectors through the transition journey.

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                                      Digitalise my business

                                      Making your business operations easy with digital technology
                                      One Bank For ASEAN. Best SME Bank in Asia.One Bank For ASEAN. Best SME Bank in Asia.

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