If you’re looking for a banking solution that offers convenience, flexibility, and premium privileges, the UOB CashPlus Account in Singapore might be right for you. This versatile account provides various financial benefits, including low daily interest rates, exclusive loan rates, and cashback promotions.

The UOB CashPlus Account allows you greater control over your finances. You can access your account via Paynow, Internet Banking, UOB TMRW, and ATMs, making managing your money easy on the go. Plus, you can enjoy various additional perks and services, such as travel insurance coverage, medical concierge services, and more.
The UOB CashPlus Account is an excellent choice for anyone looking for a premium banking solution in Singapore. Whether you’re looking for flexible loan options, low interest rates, or convenient account management features, the UOB CashPlus Account has you covered.
Key Takeaways
- The UOB CashPlus Account offers low daily interest rates, exclusive loan rates, and cashback promotions.
- You can access your account via Paynow, Internet Banking, UOB TMRW, and ATMs, making managing your money on the go easy.
- Additional perks and services include travel insurance coverage, medical concierge services, and more.
Overview of UOB Singapore CashPlus Account

If you are looking for a flexible and convenient way to manage your finances, the UOB CashPlus account in Singapore may be just what you need. This personal line of credit offers a range of critical features and benefits that can help you take control of your finances and enjoy a range of premium privileges.
What Is UOB CashPlus?
UOB CashPlus is a personal line of credit that gives you access to a credit line of up to four times your monthly income. This means you can borrow money whenever you need it and only pay interest on the amount you use.
With UOB CashPlus, you can enjoy a range of flexible repayment options, including fixed monthly payments or a minimum payment of just 3% of your outstanding balance.
Key Features and Benefits
Some of the key features and benefits of UOB CashPlus include:
- High credit limit: You can access a credit line of up to four times your monthly income, allowing you to borrow as much or as little as you need.
- Low-interest rates: UOB CashPlus offers competitive interest rates, starting from as low as 0.8% per month.
- Flexible repayment options: You can make fixed monthly payments or pay just 3% of your outstanding balance.
- Premium privileges: As a UOB CashPlus account holder, you can enjoy a range of exceptional privileges, including exclusive discounts and offers on dining, shopping, travel, and more.
- Easy application process: Applying for a UOB CashPlus account is easy and hassle-free, with a simple online application process and fast approval times.
Overall, the UOB CashPlus account in Singapore offers a range of critical features and benefits that make it an excellent choice for anyone looking for a flexible and convenient way to manage their finances.
With its high credit limit, low interest rates, and premium privileges, UOB CashPlus is an excellent option for anyone looking for a personal line of credit in Singapore.
UOB Singapore CashPlus Account: Eligibility and Application Process

Who Can Apply
Suppose you are a Singapore Citizen or Permanent Resident aged 21 years and above. Earning a minimum income of S$30,000 per annum. In that case, you can apply for a UOB CashPlus account.
Documents Required
To apply for a UOB CashPlus account, you need to provide the following documents:
- NRIC (for Singapore Citizens and Permanent Residents)
- Proof of income document (e.g. latest computerised payslip, Income Tax Notice of Assessment, or CPF statement)
How to Apply
There are several ways to apply for a UOB CashPlus account:
- Fill up an online application form
- Download an application form, complete and mail it back to us
- Visit any UOB Group Branch
- Call us 24-hour, toll-free at 1800 222 2121 for an application form to be sent to you.
To apply online, click the “Apply Now” button on the UOB CashPlus webpage. You must provide your personal and income details and upload a copy of your NRIC and proof of income document. Once your application is approved, you will receive your UOB CashPlus account details and can start using your credit line.
Overall, the application process for a UOB CashPlus account is simple. With a few documents and clicks, you can enjoy the benefits of a personal line of credit that gives you instant cash.
UOB Singapore CashPlus Account: Financial Advantages

If you’re looking for a personal line of credit offering competitive interest rates and exclusive perks, then the UOB CashPlus account is the right choice for you.
With UOB CashPlus, you can enjoy various benefits that will help you save money and earn rewards. Here are some of the best financial advantages of a UOB CashPlus account:
UOB Singapore CashPlus Account: Competitive Interest Rates
UOB CashPlus offers competitive interest rates starting from 20.5% p.a. for individuals earning above S$30,000 annually. This is one of the lowest interest rates in Singapore for personal lines of credit. The interest is only charged on the amount you use, not the entire credit limit, which means you can save on interest charges.
Credit Card Linkage Benefits
You can enjoy exclusive benefits such as cashback on all your spending when you link your UOB CashPlus account to a UOB credit card. With the UOB CashPlus Visa Card, you can earn 1.5% cashback on all your everyday purchases with a maximum cash rebate of S$50 per month. This means you can earn cashback on groceries, transport, and online shopping.
UOB Singapore CashPlus Account: Exclusive Promotions and Rewards
UOB CashPlus offers exclusive promotions and rewards to its customers. For example, you can enjoy rebates and the convenience of ‘Cash & Carry’ at over 20 participating merchants like Best Denki, EpiCentre, Barang Barang, SK Jewellery and more. Moreover, you can get cash of up to 6X your monthly salary with UOB CashPlus.
In addition, you can earn UOB Rewards+ points when you spend with your UOB CashPlus Visa Card. These points can be redeemed for various rewards, including shopping vouchers, air miles and more.
Overall, the UOB CashPlus account is an excellent choice for anyone looking for a personal line of credit that offers competitive interest rates, credit card linkage benefits, and exclusive promotions and rewards. Sign up for a UOB CashPlus account today and enjoy these financial advantages!
UOB Singapore CashPlus Account: Banking Convenience

With UOB CashPlus, you can enjoy a range of banking conveniences that make managing your finances a breeze. Here are some of the top privileges you can want:
Digital Banking Services
UOB Personal Internet Banking allows you to access your account and manage your finances online, anytime and anywhere. You can check your account balance, view transaction history, pay bills, transfer funds, and more. Plus, with UOB TMRW, you can enjoy a mobile banking experience that is fun, fresh, and personalised just for you.
UOB Singapore CashPlus Account: UOB ATM Network
With over 1,200 UOB ATMs islandwide, you can easily withdraw cash, transfer funds, pay bills and more. Plus, with Cash Deposit Machines (CDMs), you can deposit money into your account without queueing at the branch.
24/7 Customer Support
If you need help or have any queries, contact the UOB Call Centre at 1800 222 2121 (toll-free within Singapore) or +65 6222 2121 (from overseas). Our phone banking service is available 24/7, so you can get assistance anytime, anywhere.
In addition to the above privileges, UOB has a vast network of branches across Singapore. So, whether you prefer to bank online, at the ATM, or in person, UOB CashPlus offers you the flexibility and convenience to easily manage your finances.
UOB Singapore CashPlus Account: Account Management and Fees

Understanding the Fees and Charges
Managing your UOB CashPlus account is easy. However, it is essential to understand the fees associated with the account to avoid any unexpected costs.
The UOB CashPlus account has an annual fee of SGD 128.40, which is waived for the first year. Additionally, each approved application has a handling fee of SGD 100.
A service charge of SGD 0.75 per cheque will be imposed starting 1 November 2023. To avoid this charge, it is recommended to use FAST or PayNow for instant and free fund transfers.
UOB Singapore CashPlus Account: Maintaining Your Account
To maintain your UOB CashPlus account, you must meet the minimum amount payable monthly. If the monthly average daily balance falls below SGD 500, a minimum balance fee of SGD 2 will be charged.
Cheque Book and Payment Facilities
The UOB CashPlus account has a chequebook and payment facilities such as GIRO and bill payments. If your UOB CashPlus chequebook is lost, there will be a fee of SGD 30 for replacement. For returned cheques, a handling fee of SGD 50 will be imposed.
You can submit a stop payment request to stop a cheque payment instruction. A fee of SGD 30 will be charged for each stop payment instruction.
In terms of repayments, you can make cheque payments or fund transfers to repay your UOB CashPlus account. It is important to note that a handling fee of SGD 30 will be imposed for each cheque payment. To avoid this fee, it is recommended to make funds transfers instead.
Overall, the UOB CashPlus account offers a range of payment facilities and features to help you manage your finances efficiently. With a clear understanding of the fees associated with the account, you can enjoy the top and premium privileges that come with it.
UOB Singapore CashPlus Account: Additional Perks and Services

As a UOB CashPlus account holder in Singapore, you can enjoy a range of premium privileges. In addition to the flexible repayment options and rebates of up to 35%, you can also take advantage of additional perks and services with your account.
UOB Singapore CashPlus Account: Insurance and Protection
Your UOB CashPlus account includes insurance and protection benefits for peace of mind. The account is eligible for the Deposit Insurance Scheme provided by the Singapore Deposit Insurance Corporation. This means that your deposits in the account are insured up to S$100,000.
Moreover, you can also opt for Enable, an instalment payment plan that provides coverage in case of unexpected events such as job loss or disability. With Enable, you can receive up to 6 months of instalment payments on your UOB CashPlus account.
Specialised Financial Solutions
In addition to the insurance benefits, UOB CashPlus account holders can also access specialised financial solutions. For instance, you can use the bank’s wealth management expertise to help you grow and protect your wealth. You can also access exclusive investment opportunities and customised solutions that suit your needs.
Furthermore, UOB CashPlus account holders can enjoy discounts and privileges at over 20 participating merchants like Best Denki. With the Cash & Carry feature, you can shop for your favourite products and pay for them using your UOB CashPlus account. This way, you can enjoy the convenience of making purchases without carrying cash around.
Overall, the UOB CashPlus account comes with a range of additional perks and services, making it an excellent choice for anyone looking for a flexible and convenient line of credit in Singapore. You can enjoy peace of mind and financial security with insurance and protection benefits, specialised financial solutions, and exclusive privileges.
UOB Singapore CashPlus Account: Terms and Conditions

If you’re considering signing up for a UOB CashPlus account, it’s essential to understand the terms and conditions that come with it. Here are some key points to keep in mind:
Interest Calculation and Payments
The interest rate on your UOB CashPlus account is calculated on a daily outstanding balance basis, which means that interest is charged on the amount of money you owe at the end of each day. The interest rate is annual, and the minimum interest charge is S$5.00 monthly.
To avoid paying interest on your UOB CashPlus account, you should aim to pay off your balance in full each month. If you can’t do that, try paying as much as possible since the interest charges can increase quickly.
Account Limitations and Regulations
There are some limitations on what you can do with your UOB CashPlus account. For example, the account is subject to a minimum sum payable of S$100.00 per month, which means you must make at least that many monthly payments to avoid fees.
You can also set up scheduled funds transfers from your UOB CashPlus account to other accounts, but there are some regulations. For example, you can only transfer funds to accounts held in your name and can’t move more than your available credit limit.
Finally, it’s worth noting that UOB CashPlus accounts can earn interest on credit balances, which is a nice perk if you have money sitting in your account. However, the interest rate is relatively low, so you shouldn’t rely on this as a primary source of income.
Overall, the terms and conditions of a UOB CashPlus account are pretty standard for a line of credit. As long as you keep up with your payments and stay within your credit limit, you should be able to enjoy the benefits of this account without any major issues.
Frequently Asked Questions

What fabulous perks come with the UOB CashPlus Visa Card?
The UOB CashPlus Visa Card comes with a variety of perks that you can enjoy. You can earn rebates on your spending, enjoy discounts at over 1,000 merchants, and get exclusive access to events and promotions.
Plus, you can enjoy a generous credit limit of up to S$100,000 or twice your monthly income, whichever is lower.
Can you enlighten me on how to waive the annual fee for my UOB CashPlus Visa Card?
Yes, you can waive the annual fee for your UOB CashPlus Visa Card by spending a minimum of S$1,200 per year. This can be on any purchase, and it can be across different merchants.
What steps should I follow to cancel my UOB CashPlus account effortlessly?
If you wish to cancel your UOB CashPlus account, visit any UOB branch or call the 24-hour hotline at 1800 222 2121.
You will need to provide your account details and follow the instructions provided by the customer service representative.
How can I swiftly close my UOB CashPlus account using online services?
Unfortunately, you cannot close your UOB CashPlus account online. You must visit a UOB branch or call the 24-hour hotline at 1800 222 2121 to close your account.
What are the striking differences between a UOB CashPlus account and a UOB Personal Loan?
A UOB CashPlus account is a revolving line of credit that allows you to borrow money as and when you need it. You only pay interest on the amount you borrow, and there is no fixed repayment term. A UOB Personal Loan, on the other hand, is a lump-sum loan over a specific period.
Is there a simple way to withdraw funds from my CashPlus account without incurring fees?
You can withdraw funds from your CashPlus account without incurring fees using your UOB ATM card at any UOB ATM in Singapore. You can also withdraw cash at over 877,000 ATMs worldwide.