A Comprehensive Guide to UOB Personal Banking Products

UOB Personal Banking Products: A Comprehensive Guide

As one of the leading banks in the Asia-Pacific region, United Overseas Bank (UOB) offers a comprehensive suite of personal banking products. From savings accounts to credit cards, loans, investments and insurance, UOB has it all. In this guide, we will take a closer look at UOB’s personal banking products and what makes them not only useful but also unique.

Savings Accounts

UOB offers a range of savings accounts, each tailored to a specific customer’s needs. These accounts come with competitive interest rates and are designed to help customers maximize their savings growth. UOB’s most popular savings accounts include:

1. UOB One Account – This account is designed for customers who maintain a monthly account balance of at least S$500. With the UOB One Account, customers can earn up to 2.5% p.a. interest on their savings, as well as receive cash rebates on their credit card spend.

2. UOB Stash Account – The UOB Stash Account allows customers to earn up to 1% p.a. interest on their savings. The account comes with a unique “Save, Spend, Earn” feature that allows customers to categorize their savings into different goals and earn higher interest rates for reaching them.

3. UOB Lady’s Savings Account – Designed exclusively for women, this account provides a range of specialized benefits, including access to exclusive events, discounts on beauty and wellness services, and a quarterly interest payout of up to 1.5% p.a.

Credit Cards

UOB has a wide range of credit cards, each with unique benefits and features. From cashback to rewards points, travel privileges to dining discounts, UOB credit cards have something for everyone. Some of UOB’s most popular credit cards are:

1. UOB One Card – With the UOB One Card, customers can earn up to 10% cashback on their daily essentials, as well as enjoy discounts on their fuel purchases.

2. UOB PRVI Miles Card – The UOB PRVI Miles Card allows customers to earn air miles faster, with up to 1.4 miles earned for every dollar spent locally and 2.4 miles earned for every dollar spent overseas.

3. UOB YOLO Card – Designed for the younger generation, this card offers cashback on dining, online shopping and entertainment, as well as exclusive deals on events and festivals.

Loans

UOB offers a range of loans, including personal loans, home loans, car loans, and renovation loans. With competitive rates and flexible repayment options, these loans are designed to meet the specific needs of customers. Some of UOB’s most popular loan products are:

1. UOB Personal Loan – With a UOB Personal Loan, customers can borrow up to 6x their monthly salary, with repayment periods ranging from 12 to 60 months. The loan comes with competitive rates and fixed monthly installments.

2. UOB Home Loan – The UOB Home Loan allows customers to finance their dream home without worrying about high interest rates. With flexible repayment options and competitive rates, this loan is one of the most popular offerings from UOB.

3. UOB Car Loan – The UOB Car Loan offers flexible tenure options, low-interest rates, and high loan amounts, making it an attractive option for customers who want to purchase a car.

Investments

UOB offers a range of investment products, including Unit Trusts, structured deposits, and equities. With a team of experienced investment professionals, UOB provides personalized investment advice to customers, helping them make informed decisions about their portfolio. Some of UOB’s most popular investment products are:

1. UOB Global Select – This platform offers customers access to over 1,000 funds, including some of the best-performing funds in the world. With low entry fees and no switching fees, UOB Global Select is an attractive option for customers who want to diversify their portfolio.

2. UOB Structured Deposit – With UOB Structured Deposit, customers can earn higher interest rates on their savings by investing in a range of underlying assets, including currencies, commodities, and indices.

3. UOB Equity-Linked Investments – UOB offers a range of equity-linked investments that allow customers to participate in the growth potential of some of the world’s most promising companies. With competitive returns and flexible investment periods, these investments are ideal for customers who want to pursue higher returns.

Insurance

UOB offers a range of insurance products, including life insurance, critical illness insurance, and personal accident insurance. With comprehensive coverage and competitive premiums, UOB’s insurance products offer customers peace of mind, knowing that they are protected against unforeseen events. Some of UOB’s most popular insurance products are:

1. UOB Personal Accident Insurance – This insurance product provides coverage against accidental death, injury, and disability. With flexible plans and competitive premiums, UOB Personal Accident Insurance is a must-have for customers who want to protect themselves and their loved ones.

2. UOB Health Insurance – With UOB Health Insurance, customers can protect themselves against rising medical costs and ensure that they receive the best possible care. With a range of plans to choose from and flexible premiums, this insurance product is ideal for customers who want to stay healthy and happy.

3. UOB Travel Insurance – UOB Travel Insurance provides comprehensive coverage against travel-related risks, including trip cancellations, medical emergencies, and flight delays. With 24/7 emergency assistance and competitive premiums, this insurance product is perfect for customers who want to travel with peace of mind.

Conclusion

In conclusion, UOB’s personal banking products offer customers a wide range of benefits and features, designed to meet their specific needs. Whether customers want to save for the future, earn rewards for their credit card spend, invest in the markets, or protect themselves and their loved ones, UOB has it all. With competitive rates and personalized service, UOB is the bank of choice for customers who want to achieve their financial goals and live their best life.