Save Your Way. Grow Your Money.
Whether you want to save flexibly, earn while you spend or lock money away for a goal, OneUtility gives you savings options built around how you manage your money.
Spend. Save. Grow. Your way.
Start Saving
What If Saving Happened Without You Having to Think About It?
Life is busy. You spend, pay bills and move on to the next thing. Saving is often the intention that gets pushed to tomorrow. Spend & Save changes that.
Choose how much you want to save, and a small percentage of eligible transactions is automatically moved into your separate savings wallet. You keep spending as usual while your savings quietly build in the background.
SPEND AND SAVE
Save at Your Own Pace
Choose a savings rate between 1% and 15% of the eligible transactions amount.
As you spend, your chosen percentage is automatically moved into your Spend & Save wallet. You can track your balance and activity separately from your everyday account.
You can earn up to 2% interest monthly on your savings.
Choose Your Savings Rate. Save as You Spend. Watch It Grow.
You don't have to completely change how you spend to start saving. Spend & Save is making saving part of the things you're already doing, helping you build towards your goals gradually and consistently.
Whether you're creating a safety net, working towards something you've always wanted, or simply trying to become better at saving, you can choose an approach that fits the way you want to manage your money.
You Stay in Control
Your savings should work around your life. You can monitor your savings balance and activity, adjust your savings rate or deactivate Spend & Save whenever you choose. Any changes take effect from your next transaction.
Start SavingHow Spend & Save Works
Pick a rate from 1% to 15%.
Make eligible transfers, bill payments and card transactions.
Your chosen percentage is moved into your savings wallet.
Keep track of your savings and build the habit over time.
Frequently Asked Questions
You can choose to save between 1% and 15% of eligible transactions.
Flexible Savings
Save Without Putting Your Life on Hold
Not every saving goal comes with a deadline. Sometimes you simply want to put money aside, let it grow, and know it's there when you need it.
Flexible Savings gives you that freedom.
Save, earn interest and access your money when you need it, without a fixed lock-in period.
Start SavingYour Money. Your Access.
Flexible Savings is designed for building a financial cushion while keeping your money accessible.
There is no lock-in period and no penalty for withdrawing your money.
It's a simple way to save while keeping the flexibility to respond when life happens.
How Flexible Savings Works
Move money into your Flexible Savings.
Earn interest while your savings build.
Withdraw your money whenever you need it, without a lock-in period or penalty.
Best for
Building a savings habit, creating a financial cushion and saving for goals where you still want easy access to your money.
Flexible Savings FAQs
Flexible Savings lets you put money aside, earn interest and access your money when you need it.
Locked Savings
Some Goals Need More Than Good Intentions
A new home. A big purchase. A planned expense. A goal you've been putting off.
Sometimes the easiest way to stay committed is to give your money a destination and a deadline.
Locked Savings lets you set money aside for a defined period while earning interest, helping you stay focused on the goal ahead.
Choose your goal. Set your time. Stay committed.
Start SavingChoose Your Goal. Set Your Time.
Choose how much you want to save and how long you want to lock it away.
You can choose from 30, 60, 90, 180 or 365 days.
During your chosen period, your savings remain locked while they earn interest.
How Locked Savings Works
Decide how much you want to put away.
Choose 30, 60, 90, 180 or 365 days.
Your money stays set aside for the period you selected.
At the end of the lock period, your savings become available according to the applicable product terms, including any applicable interest.
Need your money earlier?
You can withdraw before your lock period ends; however early withdrawal would lead to forfeiture of the accrued interest. You can earn up to 2% interest per month, the applicable rate will be shown when you activate your Locked Savings.
Best for
Longer-term goals, planned expenses, disciplined saving and money you don't need immediately.
Locked Savings FAQs
Locked Savings allows you to save money for a defined period while earning interest.
Ready to Start Saving?
Open a personal account and start building a saving habit that works in the background.
