Lock an amount above your available balance if you’re expecting a large deposit (e.g. bonus, maturing Fixed Deposit). By proactively setting a higher lock amount, future incoming funds will be protected from digital scams the moment it is credited to the account.

Lock an amount lower than your available balance if you use this account for your day-to-day transactions, or have scheduled payments linked to this account (e.g. GIRO or debit card deductions).

You can fully unlock your funds at any UOB ATM in Singapore.

Go to ‘Money Lock’ > Select ‘Set/Adjust Money Lock’ > Select your preferred account > Input ‘0’ in the ‘Amount to Lock’ field and press Confirm to fully release all locked funds.

Locking will take immediate effect upon your instruction. We will send you a push notification/SMS and email informing you that your funds have been locked. All real-time payments such as PayNow, FAST bank transfers, and bill payment will be declined if settlement of such payments will cause the available account balance to fall below the Money Lock amount.

This means that you have locked all your money and have no withdrawable amount to draw from. You will not be able to make any withdrawal or transfers (even to your other UOB accounts). GIRO, debit card transactions, and cheques will also fail.

If your account is used for day-to-day transactions, please set an appropriate lock limit to ensure sufficient free funds for your daily payments and transfers.

Your locked amount is the amount of funds that are restricted from withdrawal transactions such as digital fund transfers, debit card purchases and GIRO debits.

Withdrawable amount is the amount of free funds you have, after accounting for your locked amount.

For example, you have S$10,000 in your savings account. You have set up a locked amount of S$8,000 for this savings account. Your remaining free funds, or withdrawable amount, is S$2,000. Transactions can continue to be debited up to a cumulative transaction amount of S$2,000. Thereafter, the remaining S$8,000 is protected from further debiting, which in turn limit your risk exposure for digital scams.

Your withdrawable balance may appear as zero in the following situations:

• Your locked amount set is equal to or higher than your available balance.
• You are currently participating in a promotional campaign, and your funds cannot be withdrawn during the earmark period.

We recommend customers to maintain sufficient unlocked funds for everyday use.

To set up or increase your locked amount, you may do so on UOB TMRW App or at a UOB ATM in Singapore. To remove or reduce your locked amount, you may only do so at a UOB ATM in Singapore. For your security, your locked amount cannot be removed or reduced via any digital means, phone banking or any other regular UOB channels.

Your funds will be released immediately if you make a request at any UOB ATM in Singapore.

Yes, you may. You can specify any lock amount you desire in multiples of $1.00 at any UOB ATM in Singapore.

For your security, the locked amount can only be removed or reduced on UOB ATMs in Singapore. There can be no locked amount adjustment or withdrawal requests made through digital means, phone banking or any other regular UOB channels.

Please ensure that you have sufficient balances in your UOB accounts before you travel overseas.

All locked funds cannot be accessed until you release them at any UOB ATM in Singapore. Please ensure that you have sufficient withdrawable balance in your UOB accounts for your daily banking needs such as GIRO deductions and scheduled debit card payments to avoid late fees and charges.

Certain transactions (e.g. fees for unsuccessful GIRO deductions and SimplyGo payments) may still be deducted.

Yes, you can, if you have sufficient withdrawable funds.

Please note that your locked funds cannot be used for the following:

• New or existing payment arrangements such as GIRO, standing instructions, future-dated transfers.
• Transfers to another UOB account.
• Transfers to another bank’s account. This includes both local and overseas transfers.
• Ad-hoc bill or credit card payments.
• New loan repayments.
• Tax repayments.
• Fixed deposits placements
• Investment purchases.
• Insurance purchases or payments.

However, there are certain exceptions where transactions can be debited from your locked amount. These transactions broadly fall under two purposes:

• Recurring payment to UOB obligations (e.g. UOB mortgages, car loans, or credit card repayments via GIRO). This is to prevent the accidental incurrence of late fees.
• Fees and charges that are liable by account holders (e.g. fees for unsuccessful GIRO transactions, or authority-related charges like IRAS collection payment), and SimplyGo transactions.