UOB One Account Lowers Interest Rates — What’s Your Next Best Savings Strategy? 💡

🌉 Longbridge SG Code UIKHFMD9 https://hmsg.link/longbridge
🐬 uSMART Code nya5ae https://hmsg.link/usmart
🐮 Moomoo SG https://hmsg.link/sgmoomoo code HMSG999
- SCB Bonus$aver Code C224D https://hmsg.link/scbonussaver
- HSBC EGA Everyday Global Account https://hmsg.link/hsbcega
_________________________________

📈 Click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers
🔭 Telegram Group: https://t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg
🦙 My Brown Llama/Alpaca https://s.shopee.sg/9zmyORhsqv

🌟 My referral codes: https://t.me/sgpromocode
📙 Advanced Credit Card Mastery Course: https://hmsg.link/accm
☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop
🎵 TikTok https://www.tiktok.com/@honeymoneysg
📧 Email (Business only): sghoneymoney@gmail.com
🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard

📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing

💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi

💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay

🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance

💼 BUSINESS 💼 🔗 https://hmsg.link/business

✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel

🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance

🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle

👨🏻‍💻 PROFESSIONAL SERVICES 👨🏻‍💻 🔗 https://hmsg.link/services

🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film

Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews.

Interactive Brokers provides execution and clearing services to its customers. Influencer is not affiliated with, recommended by or an agent of Interactive Brokers. Interactive Brokers makes no representation and assumes no liability to the accuracy or completeness of the information provided in this video. For more information regarding Interactive Brokers, please visit www.interactivebrokers.com.
 
None of the information contained herein constitutes a recommendation, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy.  Investment involves risks.  Investors should obtain their own independent financial advice and understand the risks associated with investment products/ services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.
 
Influencer is a customer of Interactive Brokers.  Interactive Brokers and Influencer have entered into a cost-per-click agreement under which Interactive pays Influencer a fee for each clickthrough of the Interactive Brokers URL posted herein.
_________________________________

From 1 September 2025, UOB One account will be cutting its interest rate from 3.3% to just 2.5% per annum if you only meet the basic salary credit and card spend criteria. This is a huge drop and a wake-up call for many who have been relying on UOB One for their savings.

In this video, I explain what this change means, why it's happening, and what you need to consider next if you're affected. I also share what I’m personally doing with my cash right now and what options still offer meaningful returns in a falling interest rate environment.

💰 Alternatives discussed:
- OCBC 360 nerf: 2.45% p.a. and why it’s even worse
- Standard Chartered Bonus$aver: Up to 3.05% p.a. flat rate
- HSBC Everyday Global Account + Ding Dong Strategy: Up to 3.5% p.a.
- uSMART & Longbridge promos: Up to 12% p.a. with cash funds
- Short-term bond funds vs. money market funds
- Why I’m no longer holding T-bills or SSBs
- How much cash buffer you really need

Whether you're saving for an emergency fund or just looking to optimise your idle cash, this is an important update you should not miss.

#NotSponsored