Applications made through MyInfo during supported hours may be processed on the same day.
Benefits of UBGROUPSG CashPlus
Standby cash with everyday flexibility
Receive up to four times monthly salary, or up to six times—capped at S$200,000—for qualifying annual income of at least S$120,000.
Access cash through PayNow transfer, Personal Internet Banking, UBGROUPSG Pulse, ATMs and cheques.
Interest is calculated daily at the prevailing rate, with no processing fee for ordinary CashPlus usage.
Eligible CashPlus customers can access exclusive fixed-repayment Personal Loan and promotional Balance Transfer rates.
Use a complimentary card with no annual fee and receive eligible cashback or UBGROUPSG$ cashback at participating merchants.
Access and repayment
Use your facility when you need it
Multiple withdrawal channels
Transfer to an eligible UBGROUPSG current or savings account, withdraw at supported ATMs, use cheque access or spend with the CashPlus Visa Card.
Flexible monthly payment
CashPlus requires the applicable minimum monthly payment, while Personal Loan options provide fixed instalments over 12 to 60 months.
Recurring GIRO payments
Arrange eligible recurring bill payments directly from the CashPlus account.
Everyday card use
Use Visa payWave and eligible NETS contactless functionality, subject to card and transaction limits.
Welcome promotion
Promotional 0% interest options
Eligible new online applications may receive a 0% introductory period with the applicable nominal fee. Options and eligibility depend on the approved credit limit and selected promotional tenor. The referenced offer is stated to run until 31 August 2026.
4 months0% promotional interest; applicable offer conditions
6 months0% promotional interest; nominal fee applies
12 months0% promotional interest; nominal fee applies
Application and eligibility
What you should prepare
Personal eligibility
Applicants must satisfy UBGROUPSG’s age, residency, income and credit-assessment requirements.
MyInfo application
Personal information can be retrieved securely through MyInfo, reducing manual documentation for eligible applicants.
Approval notification
Successful applicants receive an SMS notification. The CashPlus Visa Card and chequebook are delivered separately.
Important information
CashPlus is an unsecured credit facility. Interest, fees and minimum payments apply according to usage and promotional terms. Approval and credit limits are subject to UBGROUPSG’s assessment. Customers should understand the effective borrowing cost and repay on time.