Make transfers to family, friends or businesses using their mobile number, NRIC/FIN or UEN – no bank account number required!
UOB TMRW, the app built around you
Meet UOB TMRW, the all-in-one banking app built around you and your needs. It features AI-driven insights, rewards personalised to you through Rewards+, and investing made simple through our expert wealth solutions.
Our app is optimised for a seamless banking experience anytime, anywhere.
Bank. Invest. Reward. Make TMRW yours. Download now
What's New
Make the most of UOB TMRW mobile banking app with the latest announcements, features and promotions, all in one app.
Scan to pay across the region to get up to 20% cashback
No fees, no fuss. Simply register and Scan to pay with UOB TMRW when you travel to Malaysia, Thailand and Indonesia from now till 31 Dec 2025. T&Cs apply.
Get more savings out of your travels with FX+
- Comes with the FX+ Debit Card that lets you spend worldwide at 0% FX fees – no cap, no minimum spend
- Convert currencies in advance on UOB TMRW, at rates as good as what you see online
- Enjoy extra travel perks like cashback on overseas ATM withdrawals
- Receive S$80 cash when you sign up online. Promotion till 31 December 2025.
- From 1 July 2025 till 31 January 2026, be the top FX+ Debit Card spender of the month and receive a pair of Singapore Airlines Business Class tickets to Paris and Mastercard Priceless™ Experiences
T&Cs apply.
Scan to pay across the region to get up to 20% cashback
No fees, no fuss. Simply register and Scan to pay with UOB TMRW when you travel to Malaysia, Thailand and Indonesia from now till 31 Dec 2025. T&Cs apply.
Get more savings out of your travels with FX+
- Comes with the FX+ Debit Card that lets you spend worldwide at 0% FX fees – no cap, no minimum spend
- Convert currencies in advance on UOB TMRW, at rates as good as what you see online
- Enjoy extra travel perks like cashback on overseas ATM withdrawals
- Receive S$80 cash when you sign up online. Promotion till 31 December 2025.
- From 1 July 2025 till 31 January 2026, be the top FX+ Debit Card spender of the month and receive a pair of Singapore Airlines Business Class tickets to Paris and Mastercard Priceless™ Experiences
T&Cs apply.
Digital Payments and Transfers
paynow
Local
PayNow
scan_to_pay_(via_qr_code)
Local
Scan to pay (via QR code)
Pay by scanning a QR code for your purchases at hawker centres, retail shops and more.
funds_transfer
Local
Funds transfer
Send and receive funds easily and schedule recurring payments
bill_payment
Local
Bill payment
Pay to over 200 billing organisations instantly. Plus, schedule recurring or future payments, or choose GIRO for automatic deductions, so you never miss a bill.
overseas_payments
Overseas
Overseas payments
Scan to pay while travelling or send money instantly to loved ones overseas in Indonesia, Malaysia and Thailand.
electronic_deferred_payment_(edp)
Local
Electronic Deferred Payment (EDP)
A faster and more secure digital alternative for deferred payments.
Bank with ease
Everything at a glance
The new app has never been more user-friendly, with one-tap access to your most used features.
Manage your accounts and transactions on the go
Get quick account updates on your deposits, bonus interests, investments, credit cards' deals and rewards.
Lock in rates as good as what you see online in advance with FX+
Convert SGD to the foreign currency you need at competitive rates before your trip. Your transactions will be deducted from your FX+ account at 0% FX fees. Find out more here.
Supported currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD
Quick and easy account set up
Wave goodbye to long waiting hours at the bank! You can now open a bank account via UOB TMRW or online, get approval within minutes*, and start transacting instantly in the comfort of your home
SGD deposits are insured up to S$100k by SDIC.
Simple, secure card application processes
Apply for a new credit card in just 2-3 minutes! Bid farewell to long application forms and fussy document uploads.*Get real-time approval via SMS and have your card digitised for contactless payments immediately. Apply for one via UOB TMRW today.
One App For All Your Banking Needs
With smart insights that empower you to take control of your finances, wealth features designed to grow your portfolio, and instant applications that get you what you need fast – this is the one banking app built designed to help you stay ahead.
Access a world of rewards at your fingertips with Rewards+
Get personalised and exclusive deals on dining, shopping, travel and more. Plus, view, track and redeem your cashback and rewards points.
Other UOB TMRW Services
Discover more of what TMRW brings
Bank Securely
Your online banking security is our top priority. We are committed to protecting your personal information and keeping you updated on the latest security tips and information. Click here to learn about the latest scam threats, tips to safeguard your online banking activities and how UOB puts in place measures to protect you.
Digital Banking
Enhanced real-time fraud surveillance to safeguard your transactions NEW!
As part of the Shared Responsibility Framework (SRF) issued by the Monetary Authority of Singapore (MAS) and Infocomm Media Development Authority (IMDA) for phishing scams, UOB will enhance our real-time fraud surveillance system effective from 16 June 2025.
Some transactions may be temporarily held for around 24 hours, which is a necessary measure to protect you.
If this transaction is not performed by you, please log in to UOB TMRW immediately to cancel this transaction by navigating to 'Accounts' tab > Transactions. Alternatively, you may contact our dedicated 24x7 Fraud Hotline 6255 0160 and press “1” to report a case.
For more information on SRF, please click here.
Note: Ensure that you have the latest version of UOB TMRW app to get updates.
Digital Banking and Cards
Enjoy secure banking with instant notifications NEW!
From April 2025, the existing SMS alerts will be progressively changed to push notifications via UOB TMRW and email alerts for impacted digital, banking and card transactions.
The threshold for transaction alerts will also be set to the bank’s default settings for these impacted transactions.
To ensure your transaction notifications are not disrupted, please enable push notifications in your phone settings and update your email address today.
Digital Banking
Access to UOB TMRW app will be restricted if USB/Wireless debugging is enabled on your Android device NEW!
To protect your exposure to scams, access to the UOB TMRW app will be restricted once we detect USB/Wireless debugging is enabled on your device, as it might be used by fraudsters to enable remote screen viewing and execute unauthorised transactions.
Digital Banking
12-hour cooling period for transfer limit change
From December 2024, there may be a 12-hour cooling period* when you submit a request to change your limit (3rd party local and overseas fund transfer). This is to combat online banking fraud and protect your accounts.
*This is in addition to the 12-hour cooling period for the activation of your new digital token.
Digital Banking
Introducing Singpass Face Verification (SFV) to protect you against phishing scams
As part of the latest industry move to strengthen the resilience against phishing scams, we have introduced Singpass Face Verification (SFV) as part of the Digital Token set-up.
This additional layer of authentication will be prompted if there is any unusual or suspicious activity detected during the Digital Token setup process, which will make it harder for scammers to gain access to your accounts.
General Banking
Protect your savings from digital scams with Money Lock
Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals.
Rest assured, your money continues to earn the same interest. Simply use the UOB TMRW app or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.
SGD deposits are insured up to S$100k by SDIC.
Digital Banking and Cards
Kill Switch (Disable digital access and block your cards)
This will disable your digital access to Personal Internet Banking, UOB TMRW app and block all your UOB Debit/Credit cards instantly. Note that Kill Switch does not suspend these services. Learn more.
2 ways to do so:
- Call our 24-hour Fraud Hotline at 6255 0160 › Press 4 to activate Kill Switch Learn how.
- Call General Hotline at 1800 222 2121, press 1 (for English) or 2 (for Chinese) > press 1 > press 2
Any active digital login session will be terminated.
To re-activate your digital access, please call our General Hotline at 1800 222 2121 or visit your nearest UOB branch for assistance.
If you wish to re-enable all your UOB Debit/Credit cards, please unblock them via the UOB TMRW app, or call our General Hotline at 1800 222 2121, or visit your nearest UOB branch for assistance.
Bank Securely
Your online banking security is our top priority. We are committed to protecting your personal information and keeping you updated on the latest security tips and information. Click here to learn about the latest scam threats, tips to safeguard your online banking activities and how UOB puts in place measures to protect you.
Digital Banking
Enhanced real-time fraud surveillance to safeguard your transactions NEW!
As part of the Shared Responsibility Framework (SRF) issued by the Monetary Authority of Singapore (MAS) and Infocomm Media Development Authority (IMDA) for phishing scams, UOB will enhance our real-time fraud surveillance system effective from 16 June 2025.
Some transactions may be temporarily held for around 24 hours, which is a necessary measure to protect you.
If this transaction is not performed by you, please log in to UOB TMRW immediately to cancel this transaction by navigating to 'Accounts' tab > Transactions. Alternatively, you may contact our dedicated 24x7 Fraud Hotline 6255 0160 and press “1” to report a case.
For more information on SRF, please click here.
Note: Ensure that you have the latest version of UOB TMRW app to get updates.
Digital Banking and Cards
Enjoy secure banking with instant notifications NEW!
From April 2025, the existing SMS alerts will be progressively changed to push notifications via UOB TMRW and email alerts for impacted digital, banking and card transactions.
The threshold for transaction alerts will also be set to the bank’s default settings for these impacted transactions.
To ensure your transaction notifications are not disrupted, please enable push notifications in your phone settings and update your email address today.
Digital Banking
Access to UOB TMRW app will be restricted if USB/Wireless debugging is enabled on your Android device NEW!
To protect your exposure to scams, access to the UOB TMRW app will be restricted once we detect USB/Wireless debugging is enabled on your device, as it might be used by fraudsters to enable remote screen viewing and execute unauthorised transactions.
Digital Banking
12-hour cooling period for transfer limit change
From December 2024, there may be a 12-hour cooling period* when you submit a request to change your limit (3rd party local and overseas fund transfer). This is to combat online banking fraud and protect your accounts.
*This is in addition to the 12-hour cooling period for the activation of your new digital token.
Digital Banking
Introducing Singpass Face Verification (SFV) to protect you against phishing scams
As part of the latest industry move to strengthen the resilience against phishing scams, we have introduced Singpass Face Verification (SFV) as part of the Digital Token set-up.
This additional layer of authentication will be prompted if there is any unusual or suspicious activity detected during the Digital Token setup process, which will make it harder for scammers to gain access to your accounts.
General Banking
Protect your savings from digital scams with Money Lock
Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals.
Rest assured, your money continues to earn the same interest. Simply use the UOB TMRW app or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.
SGD deposits are insured up to S$100k by SDIC.
Digital Banking and Cards
Kill Switch (Disable digital access and block your cards)
This will disable your digital access to Personal Internet Banking, UOB TMRW app and block all your UOB Debit/Credit cards instantly. Note that Kill Switch does not suspend these services. Learn more.
2 ways to do so:
- Call our 24-hour Fraud Hotline at 6255 0160 › Press 4 to activate Kill Switch Learn how.
- Call General Hotline at 1800 222 2121, press 1 (for English) or 2 (for Chinese) > press 1 > press 2
Any active digital login session will be terminated.
To re-activate your digital access, please call our General Hotline at 1800 222 2121 or visit your nearest UOB branch for assistance.
If you wish to re-enable all your UOB Debit/Credit cards, please unblock them via the UOB TMRW app, or call our General Hotline at 1800 222 2121, or visit your nearest UOB branch for assistance.
Make TMRW yours, download now!
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