UOB Referral Code : VAKD0N

Use UOB referral code VAKD0N when you apply online for a UOB One Account, Uniplus Account, KrisFlyer UOB Account, or a UOB One, EVOL or PRVI Miles credit card in Singapore. The code is valid until 31 December 2026. The referral cash (S$20 per account, S$50 per card) goes to the person who referred you, but you stay eligible for UOB’s own new-customer promotions — and once you’re in, you can earn that cash yourself.

What is UOB and Why Use It

UOB is one of Singapore’s three local banks, and most of its everyday banking now runs through the UOB TMRW app. SGD deposits are insured up to S$100,000 by SDIC.

The products covered by this referral code are UOB’s mainstream picks:

• UOB One Account – up to 1.90% p.a. effective interest on S$150,000 if you spend S$500 a month on an eligible UOB card and credit a salary of at least S$1,600.
• UOB Uniplus Account – for ages 16 to 24, with no minimum balance and no fall-below fee.
• KrisFlyer UOB Account – earns miles as well as interest.
• UOB One Card – cashback on daily spend such as Grab, McDonald’s, Shopee and SimplyGo bus and MRT rides.
• UOB EVOL Card – up to 10% cashback on local online and mobile contactless spend, 0% FX fees, and no annual fee.
• UOB PRVI Miles Visa Card – 1.4 miles per dollar locally and 3 mpd in Malaysia, Indonesia, Thailand and Vietnam.

UOB Referral Code: VAKD0N — What You Get

Here is exactly how the 2026 UOB TMRW Referral Rewards Promotion pays out:

The referral reward is one-sided. What you can get as a new customer are UOB’s own promotions, which run alongside the code. As of October 2026:

• Online Account Opening (ends 31 Oct 2026): a LOJEL Cubo Fit 30″ luggage worth S$610 for the first 300 new-to-UOB deposit customers. You must deposit S$25,000 in fresh funds, hold it for about two months, and credit a salary of at least S$1,600.
• Festive Savings (register by 31 Dec 2026): S$80 cash for S$20,000 in fresh funds, rising to S$1,000 for S$150,000. The new funds are locked for about seven months.
• SalaryPlus (1 Oct – 31 Dec 2026): up to S$260 cash. That is S$180 for crediting your salary, S$50 for crediting CDP dividends and S$30 for a GIRO bill payment.
• Ages 16–24: 3 free CHAGEE drinks when you open an eligible account and register PayNow.
• New-to-UOB One Card members: boosted cashback of up to 20% at McDonald’s, Grab, SimplyGo and Shopee.

Each promotion has its own T&Cs, and some exclude each other. For example, Festive Savings is closed to SalaryPlus qualifiers, and SalaryPlus excludes anyone already rewarded for crediting salary under the account-opening promotion. Pick the one that matches how much cash you’re bringing in.

How to Use the UOB Referral Code (Step-by-Step)

1. Check you’re new to UOB. You must not hold a UOB current or savings account, or a principal UOB credit card. You also must not have held or closed one since 1 July 2025.
2. Start from the referral form, not the app or another site. Open UOB’s referral page. If you start an application anywhere else first, the referral won’t count.
3. Key in VAKD0N in the Referral Code field. The referrer’s name is optional.
4. Choose your product and apply with Singpass Myinfo. Account applications from Singaporeans and PRs between 8.30am and 9pm are usually opened instantly.
5. Fund the account. The One Account needs a S$1,000 initial deposit.
6. Register separately for any promotion you want, such as Festive Savings or SalaryPlus. Use its online form or Rewards+ in UOB TMRW. Using the referral code does not register you automatically.
7. Wait for the rewards. Referral cash is credited within 90 days after UOB verifies the referral. Promotion rewards follow each promotion’s own schedule.

Eligibility & Terms You Should Know

• Stricter “new customer” test. Card sign-up gifts usually only look back six months. The referral programme looks back to 1 July 2025 and covers both deposit accounts and cards.
• Online only, as the main holder. You must apply on UOB’s website as the primary account holder or principal cardholder.
• Foreigners: Employment Pass and S Pass holders must open the One Account at a branch, so the online-only referral effectively won’t apply.
• One Account fees. Applicants must be 18 or older. There is a S$5 fall-below fee if your monthly average balance is under S$1,000 (waived for the first six months if you opened online), and a S$30 fee if you close the account within six months.
• Approval isn’t guaranteed. UOB decides on approvals and can amend or end the promotion at any time.

Is the UOB Referral Bonus Worth It?

For a savings account: yes. Using VAKD0N costs you nothing, sends you through UOB’s official form, and doesn’t stop you joining UOB’s own deposit promotions. The real value depends on whether you’ll actually meet the One Account conditions every month. Without a salary credit, the effective rate drops to 1.40% or lower.

For a credit card: compare first. Until 31 Oct 2026, SingSaver is offering S$80 cash on seven UOB cards if you spend S$500 within 30 days, plus daily flash-deal prizes. Applying through a comparison site means you can’t also use the referral code, and the referral route gives you no sign-up gift of its own. If you want the cash gift, take the platform offer. If you’re opening the One Account and card together for interest, the referral route is cleaner.

How to Share Your Own UOB Referral Code

Once you have a UOB savings account or credit card in good standing:

1. Open UOB TMRW and tap Rewards+.
2. Tap the Referral Rewards banner to generate your code or link.
3. Share it with friends. You earn S$20 per deposit account and S$50 per card, for each different friend who is approved.

Rewards are credited to your UOB account, so keep it open. Self-referrals are banned, and UOB can claw back rewards it decides were ineligible.

FAQ

Does the UOB referral code still work in 2026?

Yes. VAKD0N works for applications submitted between 1 August and 31 December 2026, unless UOB ends the promotion early.

Do I get cash for using a UOB referral code?

Not from the referral programme itself. The cash goes to the referrer. You can still join UOB’s separate new-customer promotions.

How long does the UOB referral reward take to credit?

Up to 90 days after UOB verifies the successful referral.

Can I use the code if I already have a UOB account?

No. You must not hold a UOB current or savings account or a principal UOB card, and must not have held or closed one since 1 July 2025.

Can I use the UOB referral code with SingSaver or MoneySmart offers?

No. If you start an application through another channel first, the referral doesn’t qualify.

Which UOB products work with the referral code?

UOB One Account, UOB Uniplus Account and KrisFlyer UOB Account, plus the UOB One Card, UOB EVOL Card and UOB PRVI Miles Visa Card.

Can I enter the code in the UOB TMRW app?

New customers enter it on UOB’s online referral form. Existing customers use the app to generate their own codes.

Is there a limit to how many friends I can refer?

The T&Cs set no cap. Each successful referral must be a different person.

Is my money safe with UOB?

SGD deposits are insured by SDIC up to S$100,000 per depositor.

Ready to Apply?

If you’re new to UOB and planning to open a One Account or UOB card anyway, start from the official form and key in VAKD0N.