Today: Aug 8, 2026

UOB One

* Interest rate changes over time. EIR is calculated based on your current savings amount ($0).
** The “updated at” date reflects when this calculator was updated, which may differ from the date the bank published the change.

UOB One

Current EIR: 0.00%

4 rate snapshots

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Factors Affecting Rate

GIRO Txn

Salary

Savings

Spending

Rate Change History

Date	What Changed	Yearly Interest ($)	EIR (%)
2025-12-01	Top tier cut again: 1st $75K: 1.5% → 1% next $50K: 3% → 2.5% next $25K: 4.5% → 3.4% GIROs tier unchanged Max EIR: 2.5% → 1.9%	$0.00	0.00%
2025-09-01	Top tier (Spend $500 + Salary): 1st $75K: 2.3% → 1.5% next $50K: 3.8% → 3% next $25K: 5.3% → 4.5% GIROs tier: 1st $75K: 1.5% → 1% next $50K: 2.5% → 2% Max EIR: 3.3% → 2.5%	$0.00	0.00%
2025-05-01	EIR cut from 4% to 3.3% p.a. Top tier (Spend $500 + Salary): 1st $75K 3%→2.3%, next $50K 4.5%→3.8%, next $25K 6%→5.3%. GIROs tier: 1st $75K 2%→1.5%, next $50K 3%→2.5%	$0.00	0.00%
2024-05-01	EIR cut from 5% to 4% p.a. Cap raised from $100K to $150K. New 6-tier structure: 1st $30K 3.85%→3%, next $30K 3.9%→3%, next $15K 4.85%→3%, next $25K 7.8%→4.5%, next $25K 0.05%→4.5%, new top tier $25K at 6%. GIROs tier also restructured to 6 tiers	$0.00	0.00%