A stylishly powerful way to save, the UOB Lady’s Savings Account isn’t just for women, and it now comes with lifestyle rewards that suit everyone.

If you’ve always thought the UOB Lady’s Savings Account was just for women, it’s time to rethink. While the name hasn’t changed, the benefits have expanded to suit a wider audience, regardless of gender. In fact, this savings account has grown to be one of the more interesting niche offerings in Singapore’s banking landscape — particularly if you already use a UOB Lady’s Credit Card or are looking to supercharge your savings through bonus interest. In this article, we’ll dive into how it works, who it suits best, and how it compares to other high-interest savings options in 2025.

The UOB Lady’s Savings Account may wear a gendered label, but don’t be fooled — this is a versatile high-interest savings account that caters to both women and men. It’s especially attractive for users who already hold a UOB Lady’s Credit Card and have regular income. By focusing on just two requirements — card spend and salary credit — it simplifies the bonus interest game without demanding insurance, investment, or bill payment linkups like other accounts do.

If you’re a lifestyle spender who values cashback and rewards, this account is a smart way to make your spending habits work harder. But for high-balance savers or those looking to optimise across multiple banking products, the interest cap and narrow reward structure might feel limiting.

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The UOB Lady’s Savings Account is a rewards-driven savings account that links directly to your UOB Lady’s Credit Card. By maintaining a Monthly Average Balance (MAB) of at least S$10,000, you can unlock additional bonus UNI$ — known as Lady’s Savings Bonus UNI$ — on top of the usual UNI$ rewards earned from your card spend in your preferred rewards category(ies) (e.g. dining, beauty, travel, fashion).

Earning structure

When you spend on your UOB Lady’s Credit Card in your selected reward category(ies), you earn:

• 1X UNI$ base rate

• 9X UNI$ bonus rate (from the credit card)

• 5X to 15X Lady’s Savings Bonus UNI$, depending on your account balance

This means you can earn up to 25X UNI$ per S$5 spent if you maintain the highest balance tier.

Example

Let’s say you:

• Spend S$800 on dining in April 2025

• Maintain a MAB of S$20,000

You’ll receive:

• 159 UNI$ (base 1X)

• 1,440 UNI$ (bonus 9X)

• 800 UNI$ (Lady’s Savings Bonus 5X, based on your MAB tier)

That’s 2,399 UNI$ in total for the month.

Monthly cap

Your total bonus UNI$ is also capped monthly, depending on:

• The credit card you hold

• Your MAB tier

• A spend cap of S$1,000 (Classic, Platinum, World) or S$2,000 (Solitaire) per month in the selected category(ies)

Key conditions

• Must hold and spend on a UOB Lady’s Credit Card

• Savings bonus UNI$ is only awarded for credit card transactions (not debit card)

• Spending and rewards are calculated on a calendar month basis

• UNI$ are credited by the end of the next month

This structure makes the UOB Lady’s Savings Account uniquely appealing to cardholders who already spend in high-reward lifestyle categories, and who can consistently maintain a balance of S$10,000 or more.

#1 The unstoppable pairing: Spend on UOB Lady’s Credit Card and save with UOB Lady’s Savings Account

This savings-account-and-credit-card duo is designed to reward you more when you pair them together. Simply maintain a Monthly Average Balance (MAB) of at least S$10,000 in your UOB Lady’s Savings Account and spend on your preferred rewards category(ies) using your UOB Lady’s Credit Card to earn additional UNI$, known as Lady’s Savings Bonus UNI$.

You’ll get:

• 1X base UNI$

• 10X UNI$ for every S$5 spent

• 5X to 15X Lady’s Savings Bonus UNI$, depending on your MAB tier

That’s up to 25X UNI$ per S$5 spent in total. For example, if you spend S$1,000 on dining and maintain S$100,000 in your Lady’s Savings Account, you could earn up to 4,800 bonus UNI$ on top of your regular card rewards. The higher your savings, the better your earn rate — making it a powerful way to grow rewards through both spending and saving.

#2 UOB Lady’s Card double counts towards the UOB One Account

If you’re a savvy UOB customer already using the UOB One Account, here’s a bonus: spending on the UOB Lady’s Credit Card also counts towards your UOB One Account’s bonus interest criteria. This means you don’t have to split your spending between cards — you can maximise benefits across two accounts while sticking to your preferred lifestyle card. It’s an efficient way to build interest and earn UNI$ without overcomplicating your spending strategy.

#3 Lifestyle perks and rewards for both men and women

Despite the name, UOB Lady’s Card and Savings Account benefits aren’t exclusive to women. From wellness privileges to dining discounts and retail offers, both men and women can enjoy the full suite of lifestyle perks. UOB has also clarified that anyone can apply, making this a great savings-and-spend combo regardless of your gender identity.

#4 Choose your own rewards categories — now more flexible than ever

With the UOB Lady’s Credit Card, you’re not locked into a fixed rewards structure. Instead, you have the flexibility to select your preferred rewards category — such as dining, travel, beauty, fashion, family, or transport — to match your lifestyle. These selections directly influence both your Bonus UNI$ and your Lady’s Savings Bonus UNI$ earnings.

Cardholders of the Lady’s Classic, Platinum, or World Mastercard can pick one rewards category, while Lady’s Solitaire and Solitaire Metal cardholders can choose up to two categories. You can change your category selection every calendar quarter, giving you the freedom to adapt your rewards to your spending habits throughout the year.

#1 Bonus UNI$ caps are tied to your savings balance

The additional UNI$ you earn — the Lady’s Savings Bonus UNI$ — is tied to your Monthly Average Balance, and the maximum bonus is capped. For example, Solitaire cardholders can earn a max of 9,600 UNI$ per month if they maintain S$100,000 or more and spend S$2,000 in their selected categories. This ceiling may limit high spenders or those looking to fully leverage large balances for more passive rewards.

#2 Requires the UOB Lady’s Credit Card to fully benefit

You won’t be able to enjoy the Lady’s Savings Bonus UNI$ without a UOB Lady’s Credit Card, as debit card spend doesn’t qualify. This makes the setup less attractive for those who prefer debit or want to avoid opening new lines of credit. It's also an extra layer of commitment — you’ll need to spend on that card monthly in your selected category to maximise rewards.

#3 No bonus interest for other financial activities

Unlike other rewards-based accounts (such as DBS Multiplier or OCBC 360), which grant bonus interest for activities like insurance, investments, and bill payments, the UOB Lady’s Savings Account focuses purely on card spend and savings balance. If you're looking to consolidate all your banking and financial products under one roof for a bigger interest boost, this account may not deliver as much value.

Best suited for:

1. Working professionals with consistent salary credit: If you draw a regular salary and spend at least S$500 a month on your UOB Lady’s Credit Card, this account rewards you handsomely with bonus interest.

2. Spenders in female-focused categories: Shoppers who frequently spend on categories like fashion, beauty, wellness, and dining will find it easy to meet the spending requirements on the Lady’s Card.

3. Couples managing shared expenses: Since anyone can apply, the account can work well for couples where one partner takes on spending while both benefit from savings growth.

Not suited for:

1. Self-employed individuals without consistent salary credit: Without the ability to credit salary monthly, one of the key interest triggers is missed.

2. Users with large savings balances: If you’re looking to park more than S$100,000, you may find better returns with other savings accounts offering higher caps or tiered interest structures.

Yes, the following promotions are currently available for the UOB Lady’s Savings Account, providing attractive rewards for new account holders. Here's a summary of the current promotions:

1. Online Account Opening Promotion (1 April – 30 June 2025)

Open a new UOB Lady’s Savings Account online during the promotion period and deposit at least S$5,000 in fresh funds within the same calendar month. Maintain this balance until the end of the following month to receive:

• S$100 cash credit for new-to-UOB customers

• S$60 cash credit for new-to-UOB deposits customers

• S$30 cash credit for existing UOB deposit customers

This offer is limited to the first 100 eligible customers per promotion week.

2. Flash Deal Fridays (11 April – 30 May 2025)

Every Friday during the promotion period, the first 30 eligible customers who open a new UOB Lady’s Savings Account online and meet the funding criteria will receive a Harman Kardon Luna Speaker. The next 100 eligible customers will receive S$60 cash credit.

3. SalaryPlus Promotion (1 April – 30 June 2025)

Enhance your rewards by completing the following actions with your UOB Lady’s Savings Account:

• Credit your salary (minimum S$1,600; S$500 for NSFs) via GIRO or PayNow: S$80 cash credit

• Credit your CDP dividends (minimum S$50 per transaction): S$50 cash credit

• Perform a bill payment (minimum S$30 per transaction) via GIRO: S$30 cash credit

Complete all three actions to earn up to S$160 cash credit.

4. Cash is King Savings Bonanza (1 April – 30 June 2025)

Participate in this promotion by:

• Registering your participation by 30 June 2025

• Depositing a minimum of S$20,000 in new funds into your UOB Lady’s Savings Account

• Maintaining the deposited funds for approximately 5 months

By doing so, you can receive up to S$500 cash reward and stand a chance to be one of 10 winners to share a S$20,000 cash prize in the lucky draw.

These promotions are designed to reward customers who open and actively use the UOB Lady’s Savings Account. By meeting the specified criteria, you can enjoy cash rewards and exclusive gifts, enhancing the benefits of your savings experience with UOB.

The UOB Lady’s Savings Account carves a unique niche with its rewards-based model tied to credit card spending and savings balance. But how does it stack up against other high-interest savings accounts in Singapore? 

DBS Multiplier Account

DBS Multiplier is known for its flexibility. You earn bonus interest when you credit your salary and perform other transactions such as credit card spend, bill payments, home loans, insurance, or investments with DBS. However, the more categories you engage with, the higher the interest — which may not appeal to those with a simpler financial setup.

In contrast, UOB Lady’s Savings focuses solely on card spend in preferred categories and a minimum savings balance. While it doesn’t reward across multiple products, it excels in rewarding targeted lifestyle spending. It’s simpler to unlock rewards but more niche in appeal.

OCBC 360

OCBC 360 offers tiered interest based on three key behaviours: crediting your salary, growing your account balance, and purchasing insurance or investment products. Its top rates are attractive — up to around 6.3% p.a. — but require more effort and deeper engagement with OCBC's ecosystem.

The UOB Lady’s Savings Account, on the other hand, keeps things clean: just spend in selected categories on your Lady’s Card and maintain the right balance. For users who don’t want to dabble in insurance or investments but want lifestyle rewards, UOB may offer a more intuitive alternative.

Standard Chartered Bonus$aver

SC Bonus$aver delivers one of the highest interest rates in the market — up to 6.05% p.a., but it also comes with a steep spending requirement of up to S$1,000 per month and additional conditions like bill payments or investments. It’s a great option for high earners or those with large monthly outflows.

By comparison, UOB Lady’s Savings requires no minimum card spend and S$10,000 MAB to start earning meaningful rewards. It’s more accessible and better suited for moderate spenders focused on daily lifestyle categories.

Anyone aged 16 and above can apply for the UOB Lady’s Savings Account. The account is open to all genders, despite the name. You’ll need to provide your NRIC or passport, proof of address, and be able to credit a deposit of at least S$1,000.

Foreigners can also apply, subject to additional document verification such as employment pass and income proof.

Applications can be done conveniently online via SingSaver or UOB’s digital platforms. You’ll need your Singpass to complete the application using MyInfo for instant approval.

Read reviews of the various savings accounts in Singapore and what each account has to offer to find the best product for your needs: 

• Read the OCBC 360 Savings Account Review

• Read the UOB One Account Review

• Read the DBS Multiplier Account Review

• Read the Maybank Save Up Programme Review

• Read the CIMB FastSaver Savings Account Review

• Read the CIMB StarSaver Savings Account Review

• Read the Standard Chartered Bonus$aver Review

• Read the OCBC FRANK Savings Account Review

• Read the HSBC Everyday Global Account Review