Inspire the globetrotter in you with the first one-stop travel portal in Southeast Asia designed by a bank that inspires, helps you plan, and lets you book in one place.
Find out moreSkip to higher interest of up to 6% p.a. interest in just two steps. T&Cs apply. Insured up to S$100k by SDIC.
Find out moreGet instant cash at 0% interest and low processing fees. Enjoy S$100 cash rebate* on your approved loan amount!
Find out moreInvest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
Learn moreGet PRUCancer 360 from just S$3.70 per week. Sign up now and enjoy 35% off your first-year premium. T&Cs apply.
Find out more Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Reward. Make TMRW yours.
you are in Personal Banking
You can conveniently make regular payments through GIRO for your personal income tax, substantial school and miscellaneous fees, rentals, season parking and more!
From now till 31 March 2025, be rewarded with S$30 cash reward when you pay your bills via GIRO with UOB.
Category | Key Billing Organisations |
Telco | • Singapore Telecommunication Limited • Starhub Ltd |
Utilities | • Senoko Energy Supply Pte Ltd • SP Services Limited • Tuas Power Supply Pte Ltd |
Government/Statutory Board | • Central Provident Fund Board • Housing and Development Board • Inland Revenue Authority of Singapore • Ministry of Education • Ministry of Manpower • Chua Chu Kang Town Council |
Insurance Companies | • AIA Singapore Private Limited • Etiqa Insurance Pte Ltd • FWD Singapore Pte Ltd • Singapura Finance Ltd • The Great Eastern Life Assurance Company Limited • Tokio Marine Life Insurance Singapore Ltd |
Education | • Busy Bees Singapore Pte Ltd • Carpe Diem Childcare Resort Pte Ltd • Mulberry Learning Centre Pte Ltd • NTUC My First Skool Limited • The Little Skool-House International Pte Ltd |
Simply login to your UOB Personal Internet Banking and click on “Apply For” > Select “GIRO Arrangement” > Key in the required details and submit your application.
Simply perform a bill payment of min. S$30 per transaction from your UOB savings account via GIRO within two calendar months from the date of submission of the online participation form.
Not a UOB savings accountholder yet? Apply online now and get up to S$108 cash.
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 4.00% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.
Maximum Effective Interest Rate (EIR) on the Stash Account is 3% p.a. for deposits of S$100,000, provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. Terms and Conditions apply.
Find out more at KrisFlyer UOB Debit Card & Account.
Stay connected on your travels with extra savings on ChangiWiFi.
Payment must be made with KrisFlyer UOB Debit Card at Changi Recommends counter. Limited to one redemption per calendar year per cardmember. Offer is subject to WiFi router availability.
Enjoy savings on airport transfers with S$10 off Grab rides to or from the airport with promo code: KFUOB
Valid for Grab ride to or from Singapore Changi Airport with promo code KFUOB. Payment for the ride must be made with a KrisFlyer UOB Debit Card via the Grab mobile application. Valid on all Grab rides except GrabShuttle and GrabHitch. Limited to one redemption per half yearly per cardmember.
GIRO is an automated electronic payment service. It allows you to make hassle-free monthly recurring payments to your billing organisations simply with a one-time sign-up.
GIRO provides an avenue for you to make automated monthly recurring payments to your billing organisations. For Bill Payment, it provides the convenience for you to make a one-time payment instantly and securely through UOB TMRW. You may also schedule your payment date to pay immediately or preset to avoid incurring late fees.
You may contact your billing organisation(s) to check on the status of your GIRO application.
For all GIRO application through UOB Personal Internet Banking, it will be verified by the Bank and forwarded to the respective billing organisation(s) for processing. For eGIRO submission via the billing organisation, application will be processed within 7 working days from date of receipt from the billing organisation.
Please be advised to continue paying your bills via alternative payment options until you have been notified by your billing organisation on the successful GIRO application.
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.
For customers who participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 2025, both dates inclusive, to receive the following cash reward:
S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan^ or UOB home loan^ from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.
Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
Customers who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.
Full terms and conditions apply and can be accessed here.
^Repayment of your UOB car and home loan instalment must be reflected with the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.
Get Up to S$268 cash credit comprising:
1) Either S$108 or S$68 or S$28 cash credit
AND
2) Up to S$160 cash credit
1) UOB Online Account Opening Weekly Promotion (1 January to 31 March 2025)
Valid from 1 January to 31 March 2025 (“Promotion Period”). Limited to the first 88 customers of each Promotion Week, namely from 1 to 5 January 2025 and every calendar week from 6 January to 31 March 2025, (i) who submit an online account opening application during a Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account within the same calendar month as their new UOB account opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new UOB account till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all their other UOB current accounts and/or savings accounts as at 31 December 2024 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$108 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$68 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$28 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing UOB current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time during the Promotion Period. T&Cs apply.
Click here for full terms and conditions.
And
2) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 January 2025 to 31 March 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 January 2025 to 31 March 2025, both dates inclusive, to receive the following cash rewards:
(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan^ or UOB home loan^ from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.;
(ii) S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow# within the next two calendar months from the date of submission of the online participation form; and
(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service~ within the next two calendar months from the date of submission of the online participation form.
Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.
Customers who qualified for any reward (whether in the form of cash credit or otherwise) awarded in connection with any past salary credit, GIRO or dividend credit promotions organised by UOB, or had any salary crediting, GIRO bill payment, UOB loan repayment or CDP crediting transactions made using any of their UOB current or savings account during the period between 1 July 2024 to 31 December 2024, will not be eligible to participate in this Promotion.
Full terms and conditions apply and can be accessed here.
^Repayment of your UOB car and home loan instalment must be reflected with the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.
#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.
~CDP dividends must be credited from the Central Depository with the transaction description “CDP Dividend” to be eligible.
eGIRO is a nationwide initiative that digitises the GIRO application process with the aim of significantly reducing turnaround time through an efficient and secured platform. You can now apply for eGIRO in real time via any participating billing organisation’s website. Access to eGIRO payment arrangement to close to 300 billing organisations.
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