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UOB TMRW
Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Reward. Make TMRW yours.
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Introducing the new UOB FX+ Debit Card
Now, stretching your travel dollar is, well, no longer a stretch.
Convert 11 popular currencies at rates as good as what you see online. For a limited time only, enjoy 3.25% cashback1 on all other foreign currency spend on UOB FX+ Debit Card, with no cashback cap. Plus, with S$5 cashback2 on overseas ATM withdrawals, it all adds up so you can stretch your travel dollar further!
Existing Mighty FX cardmembers are also eligible for the new benefits. Find out more here.
Exceptional rates, as good as what you see online
Take advantage of transparent, competitive rates comparable to Google’s by converting 11 popular currencies
in advance via the UOB TMRW app.
Enjoy travel without unexpected fees or unfavourable exchange rates!
Competitive exchange rates,
zero conversion fees.
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UOB FX+ rates
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Google rates
| UOB FX+ rates | Google rates | |
| SGD/AUD | 1.1504 | 1.15 |
| SGD/CAD | 1.0535 | 1.05 |
| SGD/CHF | 0.6532 | 0.65 |
| SGD/CNH | 5.3927 | - |
| SGD/EUR | 0.6952 | 0.70 |
| SGD/GBP | 0.5866 | 0.59 |
| SGD/HKD | 5.8803 | 5.88 |
| SGD/JPY | 115.13 | 115.20 |
| SGD/NZD | 1.2671 | 1.27 |
| SGD/USD | 0.7564 | 0.76 |
| SGD/AUD |
| SGD/CAD |
| SGD/CHF |
| SGD/CNH |
| SGD/EUR |
| SGD/GBP |
| SGD/HKD |
| SGD/JPY |
| SGD/NZD |
| SGD/USD |
Based on exchange rates on UOB FX+ and Google rates on 1 November 2024, 10:20 SGT
Limited time only!
3.25% cashback1 on all other foreign currency spend, with no cashback cap.
Spend freely on your UOB FX+ Debit Card with no cashback cap and no minimum spend required.
Promotion till 31 December 2024.
S$5 cashback2 on overseas ATM withdrawals
Travel freely with easy access to cash anytime, anywhere.
Here's how to convert currencies
Step 1
Get started on UOB TMRW
Tap on Wealth
Step 2
Tap on FX+
Step 3
Choose your base and required currency
Step 4
Slide to confirm
Step 1
Get started on UOB TMRW
Log in to UOB TMRW
Here’s how to set rate alerts
Step 1
Choose your base and required currency
Step 2
Tap on Alert Me
Step 3
Set your preferred conversion rate, validity and choose to get notified or automatically convert when preferred rate is met
Step 4
Slide to confirm
Step 1
Choose your base and required currency
Capture investment opportunities with UOB FX+ via the UOB TMRW app.
Convert currencies when they appreciate in value
Buy foreign-currency denominated unit trusts
Place foreign currency fixed deposits
Here's how to place a fixed deposit with your converted currencies
Step 1
On the Wealth tab, tap on Place fixed deposit
Step 2
Select the Time Deposit and crediting FX+ foreign currency account
Step 3
Select the tenor and date
Step 4
Select maturity instructions
Step 5
Slide to confirm
Step 1
On the Wealth tab, tap on Place fixed deposit
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Things you should know
Important Notice & Disclaimers
UOB Debit Cardmember Agreement
UOB Terms and Conditions Governing Accounts and Services
UOB Debit Card Fees and Charges
NETS Terms and Conditions
SGD deposits are insured up to S$100k by SDIC.
For FX+ foreign currency accounts, interest rates are for USD, AUD, NZD and CNH accounts only.
1This promotion is valid for UOB FX+ Debit (previously known as UOB Mighty FX Debit) Cardmembers only. Cardmembers will receive 3.25% cashback on all foreign currency transactions successfully debited from the deposit account (in SGD currency) linked to their UOB FX+ Debit Card from 3 October 2024 to 31 December 2024, both dates inclusive. The cashback earned from all foreign currency transactions made within a calendar month will be credited to your UOB FX+ Debit Card by the end of the following calendar month. T&Cs apply. Please click here for full terms and conditions.
2Receive S$5 cashback on the first four (4) overseas cash withdrawals from your FX+ account(s) or SGD account linked to FX+ in a calendar year. Please click here for full terms and conditions.
For overseas ATM cash withdrawals, a 2.5% administrative fee, plus a flat fee of S$5 (or foreign currency equivalent) may be charged for each Mastercard Cirrus/Visa PLUS withdrawal performed. The overseas ATM bank may charge administrative fees at their sole discretion.
The information herein shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein.
The information herein, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Actions or documents required
For Singaporeans and PRs
Sign up for FX+ online, get approval within minutes and start transacting instantly (where applicable).
How to apply:
- Retrieve with Myinfo using Singpass login – applicable to new-to-UOB customers, existing to UOB customers and joint applicants
- Personal Internet Banking login details – applicable to existing UOB customers
- Credit/Debit card number and PIN – applicable to existing UOB customers applying for single-named account application
For Foreigners and U.S. Persons
Please proceed to any UOB Branch for application. You will require:
- Passport
- Proof of Residential Address
- Employment Pass / S Pass / Dependent Pass
Eligibility and Fees
Eligibility:
Minimum 18 years oldAnnual Fees:
S$18.34 yearly (First 3 years card fee waiver)Annual fee wavier with 12 Mastercard transactions per year
Card replacement fee of S$20
Frequently asked questions
I am an existing Mighty FX debit cardholder. Will I continue to enjoy the benefits tied to the new FX+ Debit Card?
Yes, existing UOB Mighty FX Debit Cardmembers will enjoy the same benefits of the new UOB FX+ Debit Card. No replacement of debit card is required.
I have an existing UOB Mighty FX Account linked to my KrisFlyer UOB Account, will I enjoy UOB FX+ Debit Card benefits?
No, as only existing UOB Mighty FX cardmembers will enjoy UOB FX+ Debit Card benefits. You may apply for another UOB FX+ Account on other eligible SGD accounts, such as One Account, Wealth Premium Account, Privilege Account and iAccount, to receive a UOB FX+ Debit Card.
How do I apply for the new FX+ Debit Card?
You can apply via the UOB FX+ website. You will need at least one of the following eligible SGD accounts to apply for UOB FX+. If you do not have one, you can apply during the UOB FX+ application.
Eligible SGD accounts for UOB FX+:
- One Account
- Wealth Premium Account
- Privilege Account
- iAccount
I have recently applied for the UOB FX+ on KrisFlyer UOB Account, will I receive a UOB FX+ Debit Card?
No, you will be issued a KrisFlyer UOB Debit Card and enjoy KrisFlyer UOB Debit Card benefits. You may apply for another UOB FX+ Account on other eligible SGD accounts, such as One Account, Wealth Premium Account, Privilege Account and iAccount, to receive a UOB FX+ Debit Card.
What happens if I use my UOB FX+ Debit Card when there are insufficient funds in the respective FX+ foreign currency account?
If the ‘Enable FX Debit’ function is turned on and you had attempted a transaction on your UOB FX+ Debit Card when there are insufficient funds in the respective FX+ foreign current account, the transaction will be declined and you will receive an SMS:
“Your transaction on UOB card ending 0605 was unsuccessful due to insufficient funds in your foreign currency account. Top up via UOB TMRW mobile app."
You can convert currencies instantly via the UOB TMRW app to fund the respective FX+ foreign currency account before attempting your transaction again.
What happens if I use my UOB FX+ Debit Card when the ‘Enable FX Debit’ is turned off?
By default, the 'Enable FX Debit' is turned on. If it is turned off, foreign currency transactions made on your UOB FX+ Debit Card will be treated like a normal foreign currency spend and the funds will be deducted from the SGD account linked to your UOB FX+ Debit Card.
To turn on or turn off the 'Enable FX Debit' function, simply login to UOB TMRW app > Go to 'Accounts' > Select 'FX+ Debit Card' > Select 'Settings'> Select 'Enable FX Debit' > Select to turn on or turn off > Save your preference.
Full list of FAQs
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts/products that are covered under the Scheme.
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