UOB One vs OCBC 360: Top Savings Accounts 2024

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OCBC 360 (Salary, Save, Spend)
* Base interest: 0.05%
* Salary credit $1800: Earn 2.5%
* Increase balance by S$500 monthly: Earn 1.5%
* Spend S$500 on OCBC cards: Earn an additional 0.6%
With $100,000 in savings, the Effective Interest Rate (EIR) is 4.65% p.a.
* Yearly interest: $4650
* 30-day interest: $382

UOB One
* Min $1600 Salary credit
* Min $500 on UOB cards: Eligible cards include UOB One, Lady’s, EVOL, Lazada, Mighty FX, and more
With $150,000 in savings and fulfilling all criteria, the EIR is 4% p.a.
* Yearly interest: $6000
* 30-day interest: $493

Example 1: $100,000 savings

Example 2: $150,000 savings

Example 3: $150,000, with UOB Savings Promo

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