UOB One Account used to be a decent choice — especially if you paired it with the Lady’s Card for miles and a bit of monthly interest.
But these days? You’ll need to maintain SGD150,000 to get full interest. Not spend. Not accumulate. Just sit there and look pretty.
So I went shopping for alternatives — and landed on Revolut.
This isn’t a sponsored post. Just a heads-up from someone who took the scenic route through a few financial oopsies.
⚠️ Before You Get Too Excited…
✔️ Revolut isn’t MAS-regulated, which means:
✔️ Your funds may be at higher risk (Reddit is full of frozen-account horror stories)
✔️ There’s a 365-day rolling SGD100,000 limit — and that includes retail spend, not just top-ups
→ I hit this cap unintentionally through regular shopping
✔️ Once you hit the cap, you can’t add funds to savings until the year resets
I’ve now got SGD8,000 floating in USD — converting it back would cost ~SGD50
→ Letting it sit there like a ghost of FX past
✨ Why I Still Use Revolut Metal
✔️ Higher interest (usually ~4.4%, updated daily, paid out daily)
✔️ No balance lock-in, no pre-requisite juggling
✔️ SGD219/year Metal plan unlocks extra perks
I almost cancelled Metal — until August 2024, when Revolut added some cheeky app perks:
✔️ NordVPN (which I already used)
✔️ 10 ClassPass credits/month
✔️ Tinder Gold — because hey, experience local culture too 😉 (who can say no to that?)
Not every city has ClassPass (Da Nang, Kaohsiung — nada), but Bangkok, Thailand delivered: I’ve redeemed both fitness classes and beauty sessions on-the-go.
💸 Monthly Interest Comparison (SGD20,000 Example)
UOB One Account
✔️ Salary credit > SGD1,600 + Card spend > SGD500
✔️ ~SGD437/year ≈ SGD36.41/month
Revolut Metal (USD savings)
✔️ ~SGD69.33/month, depending on daily rate
✔️ Note: No hard conversion fees, but FX spreads may “cost” ~SGD10–SGD50 depending on timing
You’re earning more — and skipping the monthly interest game show.
🌟 Final Thoughts
If you’re sitting on smaller savings and want flexibility (without pre-reqs), Revolut Metal is a worthy alternative. But it’s not risk-free — the SGD100K/year rolling cap includes spending too, which I only found out after maxing it out accidentally.
So yes, higher interest. But do your homework.
Especially if you’re eyeing that daily payout glow-up.
Just don’t ignore your FX rates like I did — or you’ll end up with money in limbo and a story for the blog.
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📌 Affiliate Disclosure:
This post may contain affiliate links, which means I may earn a small commission — at no extra cost to you — if you make a booking through them. This supports my blog so I can keep sharing cost-of-living breakdowns from around the world. I only recommend services I’ve personally used and loved!
Bonus Tip: If you’re planning your trip and haven’t locked in your activities yet, here are my go-to platforms:
💸 Not quite the vibe you’re looking for? Totally fair — we all spend differently, and I’m all for doing what makes life feel rich in your own way.
So have a scroll through the other places I’ve lived — whether you’re on sabbatical, reclaiming your time, or just out here to veg out in peace, we’ll find the one that feels like home (or at least a good month).
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