United Overseas Bank Rating & Review 2024
The third largest bank in Southeast Asia by total assets
United Overseas Bank (UOB), a Singaporean Multinational Organisation, was established on 6 august 1935 in Singapore by the name of United Chinese Bank (UCB), to Emphasise its link to the Chinese population in Singapore. The bank catered mainly to the Fujian community in its initial stages. However the bank grew immensely within a few years and in 1965, the bank was renamed to United Overseas Bank as it inaugurated its first overseas branch in Hong Kong. Today UOB is the third largest bank in Southeast Asia by total assets, having a market capitalization of $32.9 Billion. It is recognized as an excellent and professionally managed financial institution. It provides a wide range of financial services including personal financial services, wealth management, private banking, commercial and corporate banking, transaction banking, and investment banking. It has a network of more than 500 offices in 19 countries and territories in Asia Pacific with a strong foothold in Singapore, Malaysia, Thailand, and China.
Get 12k miles when you spend a minimum of S$6,000 within the first 90 days of your new card approvaL
If you are new to UOB Credit Card membership, you should apply and get 12k miles when you spend a minimum of S$6,000 within the first 90 days of your new card approval. This Promotion is valid for a little time window so I advise you take up the opportunity fast inclusive of up to 3 KrisFlyer miles per $1 spent on everyday spend categories with $500 min. annual spend on Singapore airlines group.
KrisFlyer UOB Credit Card / United Overseas Bank
UOB PRVI Miles Card earns you 1.4 miles local and 2.4 overseas
It really depends on what you are looking for but if it is for earning rates, then it is best you go with the UOB PRVI Miles Card but do note that your spending has to be minimum 5 dollars to accrue any miles . UOB PRVI Miles Card earns you 1.4 miles local and 2.4 overseas which is one of the better rates. In addition, this card does not contribute to UOB ONE account card spending. So you need to accumulate the minimum $500 spent monthly on other cards other than this.
UOB PRVI Miles Card / United Overseas Bank
I was able to use the card overseas without enabling the magnetic stripe of the card
It was a seamless process for me on my last overseas traveling with my UOB VISA Signature Card as I was able to use the card overseas without enabling the magnetic stripe of the card. I was able to make purchases at overseas merchants’ outlets by inserting my card into the merchant terminal (i.e. not swiped). But if the overseas merchant uses a terminal where the Card is required to be swiped in order to process the transactions, you will need to enable the magnetic stripe of you card before the transaction can be processed.
UOB VISA Signature Card / United Overseas Bank
12% rebate promotion for 3 months activated after a minimum spend of $600
This is an okay card to fill the areas for dining, grab and entertainment as it offers more than the other cards I have used before but don’t wish to mention here. But note that 12% cash back is only for these categories, and any other categories would be best purchased with another card. If you eat out often and use grab frequently plus topping up of grab wallet, this would be a card for you. They have a recent 12% rebate promotion for 3 months, but activated after a minimum spend of $600. Easy to use for the rebate on weekend. Definitely a must for dining and entertainment. Young people favourite. Will definitely recommend to friends.
UOB YOLO Card / United Overseas Bank
A maximum of 5% cash rebate on everything
I actually signed-up because of the attractive 3.88% interest with the UOB One Account. It made sense to use it as my daily card especially as it comes in a really fancy chrome coloured card. The UOB One Card is hands down UOB’s favourite entry level credit card especially for those with a UOB One account too. The credit card owes its fame to its key proposition- a maximum of 5% cash rebate on everything, no need to fumble about with different spending categories.
UOB One Card / UOB One Account / United Overseas Bank
My girlfriends top pick for shopping groceries and the likes.
The UOB Delight Credit Card is the card to go with if the bulk of the spending’s are done at DFG Group, such as Guardian, Giant, Cold Storage. Long and short this card is like a one-stop shop card at the DFG Group of companies. That is the only major advantage I have from keeping this card as it comes in handy for me and my girlfriend when we are shopping groceries and the likes.
UOB Delight Credit Card / United Overseas Bank
6% cash rebate at top choice Japanese merchants
My last trip to Osaka was made 360 degrees complete by my UOB JCB Card as I got up to 6% cash rebate at top choice Japanese merchants like Isetan, Meidi-Ya, Tokyu Hands, UNIQLO, Ichiban Boshi, Ichiban Sushi, Kuriya Dining, Kuriya Japanese Market and Sushi Tei with S$300 minimum spend per calendar month or 3% rebate with no minimum spend. Simple grand right?
UOB JCB Card / United Overseas Bank
Enjoy 1-for-1 movies for regular 2D ticket purchases at all Shaw theatres box offices
With your UOB UnionPay Card you can enjoy 1-for-1 movies for regular 2D ticket purchases at all Shaw theatres box offices daily inclusive of weekends and Public Holidays. Additionally, you can enjoy a popcorn date with your loved ones with S$1 off two Large Popcorn Combo with any same day movie ticket purchased. This benefit is what I enjoy with UOB UnionPay Card as it is not my everyday card.
UOB UnionPay Card / United Overseas Bank
50% off monthly MobileShare subscription.
Privileges at Singtel with Singtel-UOB Card include the MobileShare Supplementary Plan which allows you to share your bundle data, talktime and SMS with your friends and family as well as between numerous gadgets. When you sign up for MobileShare Supplementary Plan you get to enjoy the first year free membership and half off from that point. 50% off monthly MobileShare subscription.
Singtel-UOB Card / United Overseas Bank
20% off regular-priced items with a blue tag along with other exciting offers
I got a surprise 20% off regular-priced items with a blue tag along with other exciting offers from using the Metro-UOB Card. This special gift really made my day and made me feel even more assured that my bank cares for me too. Not to mention I made the most of that 20% off and can’t wait till next year.
Metro-UOB Card / United Overseas Bank
A rewards credit card that lets you earn 10X UOB rewards points on any spending category of your choosing
First of all, I must comment the new UOB Lady’s Card’s new design as a remarkable job. Beyond looks, the card itself is a rewards credit card that lets you earn 10X UNI$ (UOB rewards points) on any one spending category of your choosing. That’s equivalent to $1 = 4 air miles. Points are awarded for every $5 you spend. Only a few other credit cards let you earn 4 miles per dollar, and some of these are fairly restrictive. UOB has also removed the high minimum spend of $3,000 per month in order to earn rewards. Like all other rewards cards on the market, there’s no minimum spend.
UOB Lady's Card / United Overseas Bank
A cool 4 miles per dollar spent is given on some popular sites
This is one of those few rare cards that rewards 4miles per dollar when you use paywave to shop online with almost no requirements and a rather steep $ 1000 monthly cap for the bonus miles. However they are a good card if you want miles but only if you spend a minimum of $5. They also give 4 miles per dollar spent on some popular sites
UOB Preferred Platinum VISA Card / United Overseas Bank
Easily use your SMART$ to offset your purchases and enjoy greater savings
The UOB Professionals Platinum Card is the gateway into the SMART$ REBATE PROGRAMME. The SMART$ REBATE PROGRAMME offers SMART$ rebates on-the-spot at participating outlets all year round including Shell and Cathay Cineplexes. SMART$ works just like regular dollars, in the sense that 1 SMART$ is equivalent to S$1. So you can easily use your SMART$ to offset your purchases enjoy greater savings
UOB Professionals Platinum Card / United Overseas Bank
Probabaly the best metal card for luxury privileges
UOB Visa Infinite Metal Card is perhaps the best metal card for luxury privileges that consumers can apply for directly on their own rather than expecting to be beckoned on as cardholders earn at a fairly standard rate of 1.4 miles per S$1 locally and 2 miles overseas, and receive 25,000 bonus miles equivalent of S$250 with every payment of the S$642.0 annual fee.Overall, UOB visa Infinite Metal Card’s support services are some of the best on the market for everyday assistance
UOB Visa Infinite Metal Card / United Overseas Bank
You can actually apply for a credit card and personal loan at the same time
To apply for a UOB Personal Loan, you’ll need either a UOB CashPlus account or UOB credit card as UOB draws from your credit card limit. If you’re new to UOB, you can apply for a credit card and personal loan at the same time but note that terms & conditions like the fee schedule of the credit card will also apply to your UOB Personal Loan. UOB bank is one of the few banks that provide instant approval for personal loans for submissions between 7am to 8pm by new UOB customers.
UOB Personal Loan / United Overseas Bank
A no-no for individuals seeking the cheapest car loan
This car loan is a no-no for individuals seeking the cheapest car loan or borrowers seeking to refinance their existing car loan as interest rates of 2.78% and 2.98% don’t come cheap. Irrespective, UOB could be a good backup source of car financing for individuals that are not approved for loans from other banks. Additionally, the bank is unique because it offers flexible car loan repayment schemes and Certificate of Entitlement (COE) loans for used cars.
UOB Car Loan / United Overseas Bank
UOB's debt consolidation plan is an effective yet expensive alternative to other plans
UOB's debt consolidation plan is best viewed as an expensive alternative to other plans because the bank advertises interest rates that are higher than those of its competitors. Borrowers that have not previously used UOB's services are however eligible for slightly better rates but it is unclear what rates these borrowers will receive in due to the vague wording on the UOB's website
UOB Debt Consolidation Plan / United Overseas Bank
The habit to save regularly and grow a steady stream of income
I like that with UOB Stash Savings Account one can make it a habit to save regularly, to grow a steady stream of income for times to come, plan ahead and save to ensure one can have a security blanket for the future. With this bank account you get to save as and when you have any extra cash or lump sums from your bonuses or investment
UOB Stash Savings Account / United Overseas Bank
The best high interest account in the market!
This is perhaps the most competitive salary crediting account that earns sizeable interest rate. Only low point is that you need to hit the minimum spent of $500 a month on debit or credit card and must pair up with one/yolo/lady’s card. Best high interest account in the market! Reliable and efficient travel insurance claim, highly recommendable and easy to claim. Your one stop solution for all travel insurance needs.
UOB One Account / United Overseas Bank
Make use of your UOB Personal Internet Banking to track your account balances
This is a savings account with a stylish passbook provided entirely free of charge. Despite this being a passbook savings account, you can still make use of UOB Personal Internet Banking and use it to track your account balances. Internet Banking will provide you the banking convenience where you can make banking transactions anytime at anywhere, banking conveniences literally at your fingertips.
UOB Passbook Savings Account / United Overseas Bank
The first bank in Southeast Asia to launch Near Field Communication
With contactless cash withdrawals, you can now withdraw cash easily and quickly with a tap of your phone instead of inserting your ATM card. UOB is perhaps the first bank in Southeast Asia to launch Near Field Communication (NFC) enabled Automatic Teller Machines (ATM) that allows you to truly go digital. Now to enjoy the convenience of Contactless Cash Withdrawals, add your UOB Visa or MasterCard Debit Card to your mobile phone on MightyPay for Android users or ApplePay for iPhone users.
UOB Debit Card / United Overseas Bank
Enjoy up to 10% off on travel related bookings with participating merchants
With this card, you’ll be able to get cash rebates of up to 10% when you use your card to make purchases at participating merchants such as Cathay Cineplexes and Cold Storage.If you’re one for travelling and adventure, you can also enjoy up to 10% off on travel related bookings with participating merchants.There is no minimum income and annual fee required for this card.You only need to be 16 years or older with a UOB Savings Account or Current Account
UOB Direct VISA Debit Card / United Overseas Bank
Transact in multiple currencies without incurring foreign currency exchange fee
The KrisFlyer UOB Debit Card and Account has definitely changed for the better. With the introduction of Mighty FX, it now makes even more sense for a frequent traveller to take advantage of the enhanced ability of the KrisFlyer UOB Debit Card to transact in multiple currencies without incurring a foreign currency exchange fee. If you want to earn KrisFlyer miles and don’t want to get or don’t qualify for a credit card, then the KrisFlyer UOB Debit Card and Account are the way to go.
KrisFlyer UOB Account / United Overseas Bank
Annual fee waiver triggered with at least 12 MasterCard transactions per calendar year
The principal UOB Lady’s Debit Card is entitled to the first 3 years card fee waived while thereafter, annual fee waiver will be triggered with at least 12 MasterCard transactions per calendar year. By the way annual fee waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady’s Debit Card. For eligibility, applicant must be female and be at least 16 years old and no minimum income is requirement.
UOB Lady’s Debit Card / United Overseas Bank
Charging annual fees on a debit card,
UOB has several debit cards in its stable, but I would urge you to ignore the crowd and quantity and go for quality like the UOB Delight Debit Card. But I think it’s quite absurd that they are charging annual fees on a debit card, yes that is right, yes, believe it or not, UOB charges annual fees on their debit cards – and some are not that easy to waive.
UOB Delight Debit Card / United Overseas Bank
Greater control over foreign currency exchange rates that you get
With UOB Mighty FX, you not only save on additional foreign exchange (FX) conversion fees when you shop on overseas websites, but you also have greater control over the foreign currency exchange rates that you get. UOB Mighty FX allows you to view and exchange with real-time foreign exchange (FX) rates for popular currencies including USD, GBP, Euro, Australian Dollar (AUD) and Japanese Yen (JPY). Some exchange rates offered by UOB Mighty FX are even better than those at popular money changers, so clearly, this can help you save some money.
UOB Mighty FX / United Overseas Bank
I cant tell if it is the App or my phone malfunctioning
This app has been lagging badly for these past one week or thereabout. It got stuck a couple of times last week, while this week, it is just says "busy" while entering the app or after I click to transact. Not sure if it is my upgrade to Android 10 or something else. I wonder if it is my phone that is the problem
Mighty Pay / United Overseas Bank