Cash Advance

Ever found yourself in a situation where you need cash urgently but you don’t know where to get it?
With Cash Advance, you can now get instant cash wherever, whenever you want it.

Easy access to instant cash


Via ATMs

  • Withdraw cash at any local UOB ATM using your Credit Card and PIN.
  • When overseas, visit any UOB / Cirrus / PLUS ATM with your Credit Card and PIN.
    Don't have your Credit Card PIN? Just call our 24-hour hotline at 1800 222 2121 or complete this form (PDF: 14KB) to apply for a new one.

Via UOB Personal Internet Banking
  • Transfer funds from your UOB Card to your UOB account via UOB Personal Internet Banking and use your ATM card to get cash instantly.

Over The Bank Counter
  • Visit any local UOB Group branch
  • When overseas, visit any Visa/MasterCard participating bank with your Credit Card

Over UOB Foreign Exchange Counters in Changi Airport
  • Get instant cash in foreign currency at the UOB Foreign Exchange Counters in Changi Airport

  • Type Cash <space>NRIC<space>Name,
    e.g. Cash S7654321Z John
  • Send the SMS to 77862
    (You will receive a call from us within three working days to confirm receipt of your application.)

Via A Phone Call
  • Call 1800 222 2121 to speak to a Customer Service Representative

More Information

  • The minimum amount for Cash Advance done via ATM, SMS and phone is S$200.
  • Cash Advance amount is pegged to 75% of your credit limit or available credit limit (whichever is lower) and Cash Advance transaction is not applicable on temporary limit.
  • Maximum cash withdrawal amount from a UOB ATM is S$3,000 per day.
  • Interest will be charged on a daily basis from the date of each Cash Advance transaction, until the date full payment is made. Please refer to the UOB Cardmembers Agreement for full breakdown on interest.
  • A Cash Advance fee of 6% of the transaction amount or S$15 (whichever is greater) applies for each Cash Advance transaction, and will be charged to your UOB Credit Card.
  • Funds Transfer to UOB account performed after 10pm or on Sunday and public holidays will be reflected as the next business day’s transaction in your debiting account statement. For non-UOB banks’ submission after 3.30pm will be treated as the next business day’s transaction. Please allow 2 to 3 business days for the payee bank to process the transfer.