Interest Rates Updates (AGAIN)...

UOB Bank have announced interest rates drops for UOB ONE account and UOB Stash accounts! Maribank has also announced a reduction in their rates to a point where I will probably stop talking about them soon.

Here's UOB Stash revised rates effective 1st December 2025:

Criteria - Keep raising your Monthly Average Balance (MAB), even if it's just by $1, to qualify for the bonus interest.

Full details HERE.

Here's UOB ONE revised rates effective 1st December 2025:

Criteria - 2 things to do: (1) Credit salary of $1600 to your account. (2) Spend $500 on your UOB One / Lady's card

Full details HERE.

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Here is my revised summarised table for interest rates effective 1st December 2025.

So what if I'm super cash rich and have more than 150k savings?

Simple answer - Just look at the tables above and choose the next best option. i.e. (400k of savings should go into 150k (UOB One), 100k (OCBC 360), 100k (UOB Stash), 50k (GXS))

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How about OCBC? No revisions have been announced yet so here are their rates and criteria.

The main three categories that are easily attainable:

1. Salary (crediting at least $1,800)

2. Save (increase the monthly average balance MAB) by $500)

3. Spend (spending at least $500 on selected credit cards - I use OCBC Rewards & OCBC 90N)

If you have 100k, the rates drops from 3.25% to 2.40%, excluding the base interest of 0.05%.

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It is getting to a point where it is no longer worth having too much cash in your bank accounts. I expect to see OCBC announce their revisions within the next 2 months. Enjoy while it lasts and start exploring alternative areas to put your cash soon!

p.s. info updated as of 9 November 2025