Access cash for renovation, medical costs, family needs or other important moments. Processing fees apply.
At a glance
Extra cash without extra stress
Choose a short-term promotional tenor of 3, 6 or 12 months and manage expenses through flexible monthly repayment.
Pay from S$30 or 2% of the statement balance, whichever is higher, under the applicable facility terms.
Eligible approved applications submitted from 8am to 9pm, Monday to Saturday, can be disbursed instantly to a UBGROUPSG current or savings account.
Rates and tenors
Promotional processing fees
3 months1.09% fee · Card EIR 4.48% p.a. · CashPlus EIR 4.43% p.a.
6 months1.50% fee · Card EIR 3.21% p.a. · CashPlus EIR 3.13% p.a.
12 months3.88% fee · Card EIR 4.49% p.a. · CashPlus EIR 4.26% p.a.
How it works
Use the promotional period carefully
Approved transfer amount
The promotional rate applies only to the amount approved by UBGROUPSG and begins on the approval date.
Pay the minimum on time
Make the required monthly payment by the statement due date to avoid prevailing late charges and finance charges.
Repay before the tenor ends
The offer ends when the amount is fully paid or on the last day of the promotional tenor, whichever comes first.
Prevailing rates apply
Any outstanding amount after the promotional period is charged at the prevailing Cash Advance or CashPlus rate.
Frequently asked questions
Balance Transfer essentials
Is it completely free?
No. The promotional interest rate is 0%, but a one-time processing fee applies and determines the effective interest rate.
How is EIR calculated?
EIR accounts for the processing fee, monthly minimum repayments and the assumed full repayment of the outstanding amount at the end of the tenor.
When can funds arrive instantly?
Instant disbursement is limited to eligible online applications during supported processing hours using a UBGROUPSG current or savings account.
What happens after the promotion?
Remaining balances are charged at the prevailing facility rate or another rate set by UBGROUPSG under the applicable terms.
Important information
0% refers only to the promotional interest rate. Processing fees apply and create a positive effective interest rate. Approval, limits, pricing and disbursement are subject to UBGROUPSG assessment and applicable terms.