• UOB Supplementary Retirement Scheme Fixed Deposit

    The Supplementary Retirement Scheme (SRS) in Singapore is a government strategy to encourage individuals to save for retirement. This scheme lets you save over and above your CPF savings, which is tax-free. If you want to withdraw, only 50% of the money taken from SRS are taxable. The SRS was launched in 2001 and is run by the private sector. This retirement scheme is voluntary and the members can contribute any amount at their own discretion.

    Features and Benefits

    • The money you take out from these deposits are free from tax.
    • Your fixed deposit automatically renews upon maturity.
    • You will get competitive interest rates.
    • You can enjoy a low deposit amount of S$5,000 for Singapore Dollar Fixed Deposit.
    • For Foreign Currency Fixed Deposit, the minimum deposit required is 5,000 units in the selected currencies.
    • You can get a wide range of tenures, starting from one month to three years.
    • To maintain the UOB Supplementary Retirement Scheme Fixed Deposit, you don’t need to pay any fees and charges.

    UOB Supplementary Retirement Scheme Rates Singapore

    UOB for Singapore Dollar Time Deposit:

    Deposit amount (p.a.) 1 and 2 months (% p.a.) 3, 4, and 5 months (% p.a.) 6, 7, and 8 months (% p.a.) 9, 10, and 11 months (% p.a.) 12, 13, 14, and 15 months (% p.a.) 18 months (% p.a.) 24 months (% p.a.) 36 months (% p.a.)
    Less than S$50,000 0.05 0.10 0.15 0.20 0.25 0.50 0.55 0.65
    From S$50,000 to S$249,999 0.05 0.10 0.15 0.20 0.25 0.50 0.55 0.65
    From S$250,000 to S$499,999 0.05 0.10 0.15 0.20 0.25 0.50 0.55 0.65
    From S$500,000 to S$999,999 0.05 0.10 0.15 0.20 0.25 0.50 0.55 0.65

    UOB for Foreign Currency Fixed Deposit:

    US Dollar

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. 1.31 1.38 1.48 1.45 1.31
    From S$50,000 to S$99,999 N.A. N.A. 1.36 1.43 1.53 1.50 1.41
    From S$100,000 to S$249,999 0.42 0.44 1.36 1.43 1.53 1.55 1.61
    From S$250,000 to S$499,999 0.42 0.44 1.41 1.48 1.58 1.55 1.61

    Australian Dollar

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. N.A. N.A. 0.04 0.22 0.50
    From S$50,000 to S$99,999 N.A. N.A. 0.34 0.40 0.44 0.62 0.90
    From S$100,000 to S$249,999 N.A. N.A. 0.54 0.60 0.64 0.82 1.10
    From S$250,000 to S$499,999 N.A. N.A. 0.94 1.00 1.04 1.22 1.50

    British Pound

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. 0.05 0.05 0.05 0.05 N.A.
    From S$50,000 to S$99,999 N.A. N.A. 0.05 0.05 0.05 0.05 N.A.
    From S$100,000 to S$249,999 N.A. N.A. 0.05 0.05 0.05 0.05 N.A.
    From S$250,000 to S$499,999 N.A. N.A. 0.05 0.05 0.05 0.05 N.A.

    Canadian Dollar

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. 0.54 0.59 0.64 0.81 N.A.
    From S$50,000 to S$99,999 N.A. N.A. 0.61 0.66 0.71 0.88 N.A.
    From S$100,000 to S$249,999 N.A. N.A. 0.72 0.77 0.82 0.99 N.A.
    From S$250,000 to S$499,999 N.A. 0.16 0.86 0.91 0.96 1.13 N.A.

    Euro

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$50,000 to S$99,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$100,000 to S$249,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$250,000 to S$499,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.

    Japanese Yen

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$10 million N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$10 million to S$19,999,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$20 million to S$29,999,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$30 million to S$39,999,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$40 million to S$49,999,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.

    Hong Kong Dollar

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$500,000 N.A. N.A. 0.02 0.20 0.30 0.45 N.A.
    From S$500,000 to S$999,999 N.A. N.A. 0.02 0.20 0.30 0.70 N.A.
    From S$1 million to S$1,999,999 N.A. N.A. 0.02 0.20 0.30 0.74 N.A.
    From S$2 million to S$4,999,999 N.A. N.A. 0.02 0.20 0.30 0.89 N.A.

    New Zealand Dollar

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. 0.09 0.08 0.13 0.16 0.45
    From S$50,000 to S$99,999 N.A. N.A. 0.49 0.48 0.53 0.56 0.85
    From S$100,000 to S$249,999 N.A. N.A. 0.69 0.68 0.73 0.76 1.05
    From S$250,000 to S$499,999 0.12 0.14 1.09 1.08 1.13 1.16 1.45

    Swiss Franc

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$50,000 to S$99,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$100,000 to S$249,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$250,000 to S$499,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.

    Chinese Renminbi

    Deposit amount One week (% p.a.) Two weeks (% p.a.) One month (% p.a.) Two months (% p.a.) Three months (% p.a.) Six months (% p.a.) 12 months (% p.a.)
    Less than S$50,000 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$50,000 to S$249,999 N.A. N.A. N.A. N.A. N.A. N.A. N.A.
    From S$250,999 -to S$499,999 N.A. N.A. 0.90 N.A. 1.00 1.10 1.20
    From S$500,000 to S$999,999 N.A. N.A. 0.90 N.A. 1.00 1.10 1.20
    From S$1 million to S$2,499,999 N.A. N.A. 0.95 N.A. 1.05 1.15 1.25
    From S$2.5 million to S$4,999,999 N.A. N.A. 1.05 N.A. 1.15 1.25 1.35
    From S$5 million to S$ 9,999,999,999 N.A. N.A. 1.15 N.A. 1.25 1.35 1.45

    Eligibility

    • You should be at least 21 years old.
    • You must either be a Singaporean/permanent resident or a non-Singaporean.
    • You should not be bankrupt.
    • An SRS operator such as UOB must approve your SRS account.

    How to apply for the scheme

    You can either make an online appointment for an express account opening at selected branches, or you can visit the nearest UOB or FEB branch.

    Fixed Deposits from Top Banks
    Foreign Currency Fixed Deposits from Top Banks
    Currency Specific Fixed Deposit
    US Dollar Foreign Currency Fixed Deposit by Bank
    Australian Dollar Foreign Currency Fixed Deposit by Bank
    GBP Foreign Currency Fixed Deposit by Bank
    NZD Foreign Currency Fixed Deposit by Bank
    Euro Foreign Currency Fixed Deposit by Bank
    Canadian Dollar Foreign Currency Fixed Deposit by Bank
    Fixed Deposit Promotion by Banks
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