UOB fixed deposit rates today

We read UOB’s fixed deposit page every day at 9:35 am and 3:35 pm, with 16 other banks and finance companies. All banks side by side

On S$50,000 for 12 months: $850 at UOB’s TMRW app promotion (1.70%), $500 at its board rate (1.00%) and $1,150 at the highest deal anywhere (CIMB, 2.30%). Your own amount

Every UOB fixed deposit rate

UOB publishes two sets of rates for Singapore-dollar fixed deposits: a promotion for fresh funds placed in the UOB TMRW app, and its board rates, which apply to other placements and to a promotional deposit when it renews. Here is every rate on UOB’s page, as we read it today.

TMRW app promotion

In the app · fresh funds only · until 30 Nov 2026

Fresh funds only, placed in the UOB TMRW app. No interest if withdrawn early.

Board rate

% a year. Read 3:35 pm, 13 Nov 2026 from UOB’s page. A dash means no rate for that term and amount.

How to place a UOB fixed deposit

1. You need a UOB fixed deposit account. If you have a UOB savings or current account, you can open one online with Myinfo (Singaporeans and permanent residents, 18 and over); otherwise open a savings or current account first.
2. Move the fresh funds into your UOB savings or current account, then log in to the UOB TMRW app and place the fixed deposit; promotional placements are made there.
3. Choose the term and amount, and the account the money comes from. For the promotion it must be fresh funds, not money already at UOB.
4. Choose what happens at the end: renew, or pay out. If you leave it, the deposit and its interest renew at the board rate for the same term.

From UOB’s fixed deposit page, checked 7 Nov 2026. It says app placements are processed Monday to Friday 9.30 am to 9.30 pm and Saturday 8 am to 9.30 pm, excluding Sundays and public holidays; instructions sent at other times are processed, and start earning interest, on the next business day. Online placements are capped at S$999,999 each.

When your UOB deposit ends

UOB’s terms say it plainly: when a promotional deposit ends, the deposit and its interest renew at UOB’s board rate for the same term, unless you have given other instructions (term 2.4). The board rate is well below the promotion at each of its terms; the box below works out the difference on your amount.

To stop that, change the deposit’s maturity instruction in UOB Personal Internet Banking: renew the deposit and its interest, renew the deposit and take the interest, or take both out. UOB says the change must be made more than 7 calendar days before the end date, or it is rejected. The reminder below is set 10 days before, so you are inside that window.

1. You place the deposit

   Say S$50,000 for 12 months at UOB’s best deal for that term, placed today.

   Sat 14 Nov 2026 at 1.70% a year.

2. Last day to change what happens at the end

   Change the maturity instruction in UOB Personal Internet Banking. UOB must have it more than 7 calendar days before the end date, or the change is rejected.

   For this deposit: Sun 7 Nov 2027.

3. The deposit ends

   If the end falls on a Sunday or public holiday, UOB moves it to the next working day and pays interest for the extra days.

   About Mon 15 Nov 2027, moved from Sun 14 Nov.

4. At the end

   Either Do nothing

   The deposit and its interest renew at UOB’s board rate for the same term (term 2.4).

   UOB’s 12-month board rate for S$50,000 today: 1.00%.

   Or Take it out, or move it

   Take the deposit and its interest, and place it wherever pays most that day. A new deal may need fresh funds.

   Highest 12-month deal for this amount today: 2.30%, at CIMB. Every deal

Rules from UOB’s promotion terms and fixed deposit page, checked 7 Nov 2026. Dates for a deposit placed today; business days leave out weekends and Singapore public holidays (MOM’s list). Rates are today’s, from our read of UOB’s rates.

Your deposit

Amount

S$

For6 months10 months12 months

At the promotion, 1.70%

$850

The next 12 months if it renews at the board rate, 1.00%

$500

That is $350 less for the same money and time.

From the promotions’ terms (term 2.4, dated 31 Oct 2026) and the questions on UOB’s fixed deposit page, checked 7 Nov 2026. If the end date falls on a Sunday or public holiday, UOB moves it to the next working day and pays interest for the extra days.

If you need the money back early

A promotional deposit taken out before its end earns no interest, UOB’s rates page says; its terms add that the promotional rate isn’t paid if any of the deposit is taken out early (term 2.2). For other deposits, UOB says only that you “may receive lesser or no interest”. Early withdrawals are made at a UOB branch, with your NRIC or passport. UOB charges no fee to take a Singapore-dollar deposit out early, but closing the fixed deposit account within 6 months of opening it costs S$30 (term 2.5).

Left to renew, or moved: 36 months on S$50,000

UOB’s best deal, 1.70% for 12 months, ends and renews at the board rate of 1.00%. Left alone for 36 months, S$50,000 earns about $1,850. Moved to the highest deal for that term when each one ends (CIMB at 2.30% today), it earns about $3,150: $1,300 more.

Left to renew at UOB Moved to the best deal

Tap or hover on a column to read it.

$0$500$1,000$1,500

Months 1–12Months 13–24Months 25–36

Where UOB ranks for your amount

Put in your amount and term and untick what you can’t do. UOB is marked in the list, so you can see whether its deal is the one to take or how far behind it is.

Your deposit

Amount

S$

For1 month2 months3 months4 months5 months6 months7 months8 months9 months10 months12 months15 months18 months24 months36 months

You can

Bring new money to the bank (“fresh funds”) Place it in the bank’s app or website Open an account with a new bank Use a priority or premier tier you have

UOB is number 10 of 14 for this.

1. 1

   CIMB Online promotion

   online · S$10,000+ · until 30 Nov · board rate 0.30%

   2.30%+$1,150

2. 2

   Maybank Deposits Bundle

   fresh funds · 2.40% on the deposit, S$1,000 kept in savings per S$10,000 · S$22,000+ · checked by hand 8 Nov · board rate 0.35%

   2.19%+$1,095

3. 3

   Bank of China Mobile banking promotion

   in the app · S$20,000+

   2.10%+$1,050

4. 4

   HL Bank Promotion (online)

   online · S$10,000+

   2.10%+$1,050

5. 5

   RHB Fixed deposit promotion

   S$20,000+ · checked by hand 8 Nov

   2.10%+$1,050

6. 6

   Singapura Finance Counter promotion

   at a branch · S$20,000+

   2.10%+$1,050

7. 7

   Hong Leong Finance HLF Digital promotion

   online · S$20,000+ · board rate 0.25%

   1.90%+$950

8. 8

   OCBC Promotion (online)

   online · fresh funds · S$20,000+ · checked by hand 10 Nov · board rate 0.10%

   1.85%+$925

10. 10

    UOB TMRW app promotion

    in the app · fresh funds · S$10,000+ · until 30 Nov · board rate 1.00%

    1.70%+$850

Interest on S$50,000 at the end of 12 months, simple interest as banks pay it on fixed deposits; no tax for individuals in Singapore. 5 more banks pay less. Rates change often: confirm on the bank’s page before you place. Not advice.

UOB against DBS, OCBC and Maybank

What each bank pays on S$50,000 of fresh funds placed online, with no banking tier; the board rate is for S$50,000 too. Other amounts can differ a lot: try yours. Every bank and its conditions

Get the top fixed deposit rates by email

One email when the highest 6 or 12-month rate changes, at most once a week, with the top rate for each term and what it needs.

Your emailEmail me

Send me

Savings Bonds T-bills SORA Fixed deposits CPF interest Electricity tariff Job market Inflation COE results

You confirm by email first. Unsubscribe in one tap. No ads, never shared. How we handle your email

UOB’s promotions over time

UOB’s 6-month promotion, for fresh funds, pays 1.60% today. The highest in the copies we found was 2.50%, on 8 Dec 2024.

From copies of UOB’s fixed deposit page saved by the Internet Archive, about one a month since Dec 2024; each date links to its copy, so you can check it. Copies that show the same rates are joined into one row. A promotion that started and ended between two copies is not here. Copies before Dec 2024 don’t show a promotion on UOB’s rates page (UOB gave only an “up to” rate on another page then), so they are left out. Since 24 Oct 2026 we also save a copy whenever a rate changes.

In May and July 2026, UOB’s page also gave a rate 0.05% higher for customers holding UOB wealth products (unit trusts, bonds, structured products or insurance, among others), placed only through a relationship manager or client adviser; those rows say “with UOB wealth products”.

What changed at UOB

UOB has not changed a rate since we started reading its page on 24 Oct 2026. Changes show here the day we see them.

Promotions ending soon

The end date each bank gives on its page; most promotions without one can also end at any time. After the last day, a placement gets the bank’s new rate.

What UOB doesn’t say

We read UOB’s rates page, its fixed deposit page and its questions, and the terms of all three promotions. These things are not in any of them:

• How much interest a board-rate deposit earns if you take it out early. UOB says only that you “may receive lesser or no interest”.
• What comes after the current promotion. Each one runs for a set window, shown in the first table, and UOB can change or end it at any time (term 3.6). In every copy of UOB’s page we found, the promotion rates were different from the copy before.
• Whether a placement sent on the promotion’s last day, after hours, still gets it. UOB processes instructions sent outside its hours on the next business day, with interest from then, and its terms count placements made “during the Promotional Period” (term 2.1).
• Its CPF fixed deposit rate. See the question on CPF below.

Checked 24 Oct 2026. If UOB publishes any of these, we will add it here and say so under changes to this page.

Is my money safe at UOB?

Insured up to S$100,000

UOB is a member of the Deposit Insurance Scheme. If it failed, the Singapore Deposit Insurance Corporation would pay back up to S$100,000 of your Singapore-dollar deposits with it, fixed deposits and savings added together.

From SDIC’s list of members, checked 24 Oct 2026. Foreign-currency deposits are not insured. More on deposit insurance

More on this topic

Questions people ask

How we get these numbers

Twice a day, at 9:35 am and 3:35 pm, our script opens UOB’s page and reads every rate, term, amount band and condition on it. The last clean read was 3:35 pm, 13 Nov. A read that looks off (a new layout, a rate that moves more than 0.5 points at once, a deal that vanishes) is held, not published.

Every bank is ranked by the rate it publishes, with its conditions beside it; no bank pays to be listed. How we read all 17 banks and finance companies, and what we do when a page fails: the fixed deposit rates page.

• UOB’s rates come from its Singapore dollar time/fixed deposit rates page.
• Past rates come from copies of the same page saved by the Internet Archive, each linked in the table above; whenever a rate changes, we ask the Internet Archive to save a fresh copy.
• This page shows numbers, not advice on where to put your money. See our disclaimer, how we get our numbers and corrections.

Disclosure: the editor, Jeremiah Say, has no fixed deposits. Numbers.sg is not paid by any bank or finance company, and there are no affiliate links on this page.

Rates are the bank’s own published figures, read from the page linked above. Numbers.sg is independent and is not endorsed by any bank.

Changes to this page

1. 8 Nov 2026

   UOB fixed deposits: a new chart follows S$50,000 over three 12-month terms, left to renew at UOB’s board rate or moved to the promotion each time: $1,850 of interest against $3,150. The method section now says how UOB’s own page is read, instead of repeating the whole fixed deposit method. UOB fixed deposit rates

2. 1 Nov 2026

   Correction. Corrected: our UOB page said UOB’s 6-month fresh-funds promotion “pays 1.60% today” on 1 Nov, after the promotion ended on 31 Oct (UOB’s page still lists it, but its terms end on that date). The page now shows that there is no promotion today and gives the last rate on record. The rankings on the main fixed deposit page had already left the ended promotion out. See UOB fixed deposit rates

3. 24 Oct 2026

   UOB fixed deposit rates: every UOB rate read from UOB’s own page twice a day, the board rates a deposit renews at, where UOB ranks for your amount, how it compares with DBS, OCBC and Maybank for the same S$50,000 deposit, and the promotion’s terms. See UOB’s rates

4. 24 Oct 2026

   UOB fixed deposit page: what happens when a deposit ends (it renews at the board rate unless you change the instruction more than 7 days before), with a box that works out the difference and a calendar reminder; early withdrawal and the S$30 fee to close within 6 months; UOB’s promotions since December 2024 from Internet Archive copies; what UOB doesn’t say; and questions on CPF and tax. See UOB’s page