Accounts and the Singapore service
Sections ↑The Singapore dealer is UOB Kay Hian Private Limited. Ordinary securities and UTRADE X accounts differ in prefunding, custody, scheme linkage and commission. Share Margin Financing is a separate facility.[25][2][3][6]
Account comparison01
Account routes
| Account | Funding and holding model | Key restriction |
|---|---|---|
| Securities Trading Account | Can link personal CDP, CPFIS or SRS | Cash-account contra depends on market and settlement arrangements.Source 2Source 14 |
| UTRADE X | Prefunded; trading limit derives from deposited cash; shares held with UOBKH | No direct CDP, CPFIS or SRS linkage.Source 3Source 2Source 5 |
| Share Margin Financing | Borrow against approved collateral | No contra; collateral and approved credit limits apply.Source 6 |
| UTRADE Delta / Robo | Delta covers leveraged products; Robo provides managed portfolios | Separate applications and service terms.Source 2 |
Investment products
Sections ↑Specifications02
Investment scope
Online securities commission
Sections ↑Pricing & charges03
SGX cash and margin commission
Pricing & charges04
Cash versus UTRADE X: selected markets
| Market | Ordinary cash account | UTRADE X |
|---|---|---|
| Singapore | Contract bands above; S$25 minimum | 0.12%; S$10 minimumSource 1 |
| United States | 0.30%; US$20 minimum | 0.12%; US$13 minimumSource 1 |
| Hong Kong | 0.25% up to HK$250,000, then 0.20%; HK$100 minimum | 0.12%; HK$75 minimumSource 1 |
| Australia | 0.30%; A$25 minimum | 0.12%; A$25 minimumSource 1 |
Pricing & charges05
Charges beyond commission
| Item | Published treatment |
|---|---|
| Ordinary SGX shares | Clearing 0.0325%, trading 0.0075%, settlement instruction S$0.35.Source 7 |
| Foreign custody | S$2/counter/month plus GST, capped at S$150/account/quarter; waived with two trades/month or six/quarter.Source 15 |
| SGX custody sub-account | Maintenance is charged separately; the UTRADE X FAQ specifies no waiver.Source 16 |
| UK / Canada safekeeping | Additional 1.5 / 2.5 basis points annually, billed monthly.Source 15 |
| Cash-dividend handling | Up to S$10: S$1; above S$10 but below S$500: S$5; S$500+: 1%, capped at S$25. GST and foreign charges may apply.Source 15 |
Share Margin Financing
Sections ↑Pricing & charges06
Published annual debit rates from 1 October 2026
Reference table07
Collateral, calls and withdrawals
| Item | Published condition |
|---|---|
| Initial facility | S$10,000 cash or S$12,500 market-value marginable securities for a S$50,000 facility.Source 6 |
| Trading limit | Up to five times cash credit or four times marginable securities, capped by approved credit.Source 6 |
| Security cover below 125% / 115% | Top up within two market days / immediately; no new purchases during a call.Source 6 |
| Ordinary collateral withdrawal | Only excess above 135% cover; dividend withdrawals require 125% cover.Source 6 |
| Different currency balances | A credit in one currency does not automatically stop interest on another currency’s debit.Source 6 |
Platform and order controls
Sections ↑Platforms & products08
UTRADE platform and controls
| Feature | Scope |
|---|---|
| Web / mobile / tablet | Mac/PC browser and mobile/tablet access; current guides name UTRADE SG 3.0 Mobile.Source 7 |
| Market coverage | Online stocks in Singapore, Australia, Malaysia, Hong Kong, China, Thailand, UK, Canada and US.Source 7 |
| Advanced orders | The FAQ limits this facility to SGX cash accounts, with activation through the representative.Source 9 |
| Amendments | Only unfilled quantity can change; increasing quantity or changing price loses order priority.Source 10 |
Process09
Contra distinctions
Funding, withdrawal and settlement
Sections ↑Process10
UTRADE X cash movement
| Method | Operational condition |
|---|---|
| PayNow | Generate the QR in UTRADE and include the trading-account reference.Source 11 |
| Bank transfer | Account/currency-specific details appear in UTRADE; FAST, ordinary transfer and TT are listed.Source 11 |
| Withdrawal setup | Standing authorisation must be registered; the FAQ allows up to five working days to process it.Source 12 |
| FAST withdrawal | Before 13:30 on a business day: submitted to the bank that day; later requests process from 08:30 next business day.Source 12 |
| MEPS / TT | MEPS requires more than S$200,000; these withdrawals take at least three business days.Source 12 |
Process11
Settlement and bank availability
| Market / event | Timing |
|---|---|
| Singapore / Australia / Malaysia / Hong Kong | T+2 market days.Source 13 |
| United States / Canada | T+1 under the effective-date provisions in the FAQ.Source 13 |
| Sale proceeds | The general table lists due date +1; local/currency holidays can extend money settlement.Source 13 |
| Unpaid purchase | The broker can force-sell securities when payment is not made by the contractual due date.Source 19 |
Portfolio transfers
Sections ↑Transfer terms12
Moving foreign holdings
| Step | Published route |
|---|---|
| Incoming transfer | Complete the transfer form; the FAQ indicates three to five working days.Source 17 |
| Transfer charges | The fee FAQ directs customers to [email protected]; it does not publish one universal transfer rate.Source 18 |
| Trading after a transfer | Foreign shares held elsewhere must first be transferred into the UOBKH account before an online sale.Source 27 |
Custody, cash and regulation
Sections ↑Protections & eligibility13
Legal and custody structure
| Layer | Verified position |
|---|---|
| Dealer | UOB Kay Hian Private Limited; the named MAS entry lists dealing, fund management, product financing, custodial services and corporate-finance advice.Source 25 |
| Securities custody | The agreement permits nominees and sub-custodians; records identify each customer’s interest in pooled holdings.Source 19 |
| Sub-custodian failure | The custody terms allow a shortfall in pooled securities to be shared proportionately; custody is not an unconditional reimbursement promise.Source 19 |
| Cash | SGD custody-account money is held in omnibus bank trust accounts in Singapore; foreign-currency money can be held with institutions abroad.Source 19 |
| Ordinary trust-account interest | The agreement generally waives the customer’s interest entitlement, although UOBKH may pay a discretionary amount.Source 19 |
Support and complaints
Sections ↑UOB Kay Hian Singapore support
Client servicesTelephone
+65 6536 9338Source 23
Scope Ordinary support and complaint contact.
Hours Monday–Friday 08:30–17:30 Singapore time, excluding public holidays.
Client-services emailEmail
Custody deskEmail
Process14
Dealing and complaint follow-up
| Need | Published process |
|---|---|
| US night desk | 22:00–02:00 during US standard time; 21:00–01:00 during US daylight saving time, in the Singapore contact schedule.Source 23 |
| Complaint acknowledgment | Within one business day; the firm targets a resolution within seven business days after acknowledgment, or supplies a revised timeline.Source 23 |
| External dispute | Eligible FIDReC claims require the firm’s prior opportunity to resolve them; the six-month final-reply limit applies.Source 26 |
UCASH and managed services
Sections ↑Reference table15
Optional service distinctions
| Service | Published mechanism |
|---|---|
| UCASH | Invests spare cash in selected unit trusts and money-market instruments; neither capital nor returns is guaranteed.Source 20Source 21 |
| UCASH withdrawal | A trust-account withdrawal also withdraws UCASH; the existing settlement timeline applies.Source 22 |
| UTRADE Robo | Automated portfolio service using a risk-profile assessment; separate from the self-directed UTRADE platform.Source 2 |
Company context
Sections ↑The facts16
UOB Kay Hian Singapore at a glance
| Measure | Value | Context |
|---|---|---|
| Contracting dealer | UOB Kay Hian Private Limited | Source 25 |
| History | Early-1900s Kay Hian brokerage roots; incorporated as a private company in 1970 | Source 24 |
| Group merger | Merged with UOB Securities in 2000; holding-company renaming followed in 2001 | Source 24 |
| Singapore office | 83 Clemenceau Avenue, #10-01 UE Square, Singapore 239920 | Source 23Source 25 |
- Headquarters
- Singapore
- Founded
- Early-1900s brokerage lineage; private-company incorporation in 1970
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
UOB Kay Hian Private Limited
No separate licence entry is recorded in this panel.
Sources & further reading
- Equities commission and charges UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Account opening and account types UOB Kay Hian Singapore · Accessed 29 Oct 2026
- What is UTRADE X? UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UTRADE X contra availability UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UTRADE X custody UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Basic Terms of Share Margin Facility, effective 1 October 2026 UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UTRADE platforms UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Investment products UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Advanced-order market and account scope UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Amending advanced orders UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Funding UTRADE X UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UTRADE X withdrawals UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Settlement periods and sale proceeds UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Cash-account contra rules UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Custodian charges UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UTRADE X additional charges UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Incoming foreign-share transfers UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Share-transfer charge enquiries UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Master Trading Agreement UOB Kay Hian Singapore · Accessed 29 Oct 2026
- How UCASH invests UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UCASH capital and return risk UOB Kay Hian Singapore · Accessed 29 Oct 2026
- UCASH withdrawals UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Contact and complaint handling UOB Kay Hian Singapore · Accessed 29 Oct 2026
- Company history and group context UOB Kay Hian Singapore · Accessed 29 Oct 2026
- MAS directory: UOB Kay Hian Private Limited Monetary Authority of Singapore · Accessed 29 Oct 2026
- FIDReC jurisdiction FIDReC · Accessed 29 Oct 2026
- Selling existing holdings online UOB Kay Hian Singapore · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.