Decode your financial habits with UOB TMRW
Wonder where your money goes sometimes? Keep track of your finances easily with personalised insights based on your spending habits.
- Refund notification
Lets you know when you receive a refund for a transaction you’ve made - Duplicate transaction notification
Shop without fear with alerts in the event of duplicate transactions - Purchase analysis
Track and manage your spending to stay on top of your budget - Monthly cash flow
Plan for the month ahead with these insights so you won’t have to worry or feel guilty about overspending - Subscription alert
Informs you of possible subscriptions you may have made to a merchant - Personalised deals and offers
Zero in on specials curated for you based on your spending habits
Manage your cards and bank on the go 24/7
UOB TMRW never sleeps. Access your account balance, pay bills, transfer fund and change your transaction limits anytime, anywhere.
- Cards management
Reset your PIN, get a temporary credit limit increase, add your card to apps, and even activate it conveniently - Credit card payments
Pay your bills easily whenever you want to avoid late payment charges - Instant card activation
Activate your card once you receive it so you can use it immediately - Personal details
Update your personal details such as email address and mobile number conveniently and instantly - SmartPay
Convert your bills into bite-sized pieces with interest-free monthly instalments and a one-time low processing fee
Pay on the go
Experience the freedom of going cardless and cashless with mobile payments at your fingertips.
- Be cash-free and cards-free with Scan To Pay and PayNow
- Top up your e-wallets instantly with UOB TMRW
- - FAST: Grab, Singtel, Liquid Pay, TransferWise, Matchmove and Razer Pay
- PayNow: Grab, Singtel, LiquidPay - Contactless cash withdrawal at UOB ATMs with a tap of your mobile
- Add your card to Google Pay and Fitbit Pay
Best deals on the go
Sniffing out the best deals just got easier. If you’re always on the hunt for a good deal, check out ‘Deals Within 5km’ under Rewards+ in UOB TMRW wherever you are!
Smart money management on the go
Get a bird’s eye view of your finances across multiple bank accounts and government agencies with SGFinDex, so it’s easier to keep track of your finances and budgeting.
Financial information on SGFinDex includes details from:
- 7 participating banks (Citibank, DBS/POSB, HSBC, Maybank, Standard Chartered Bank, OCBC)
- CPF
- IRAS
- Credit Cards
- Loans
- Investments and more
Bank with a peace of mind wherever you are
Your personalized digital token that allows you to bank anywhere and everywhere securely and safely.
Setting up your unique 6-digit digital token for transactions is:
- Fast and convenient
Log into both UOB Personal Internet Banking and UOB TMRW seamlessly – no more OTPs - Access anywhere
Add new payees and make funds transfers above your defined threshold on the go - Secured transactions
Verify and confirm your online purchases and transactions with push notifications from UOB TMRW
Make TMRW yours, download now!
You might be interested in
Sustainability
Show your support and go green with Southeast Asia’s first bio-sourced card – the UOB EVOL Card.
Smart Money
Being able to grow your savings without doing a thing? Now we’re talking. Save when you spend with UOB One Account.
Deals
Unlock an epic suite of rewards, no matter your fancy, with over 1,000 deals covering from fashion to dining. You’ll also get access to Rewards+, Singapore’s newest and biggest rewards programme on UOB TMRW.
Things you should know
Terms and Conditions
W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM and Razer Pay and payments for utilities will be excluded from the awarding of cashback.
W.e.f. 1 March 2022, please be informed that transactions with transaction description "AMAZE* TRANSIT*" will be excluded from the awarding of cashback.
*Up to S$540 cash credit consist of 1), 2) and 3):
1) S$350 cash credit:
The first 200 new-to-UOB credit card customers in April 2024 who successfully apply for an eligible UOB Credit Card between 1 April 2024 and 30 April 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit. Click here for full terms and conditions.
2) UOB Online Account Opening Promotion (1 to 30 April 2024)
a) S$60 cash credit will be awarded to the first 200 New-to-UOB deposit customers (i) who submit an online account opening application between 1 to 30 April 2024 (both dates inclusive) for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account or UOB One Account, (ii) whose application is successfully approved by 30 April 2024, and (iii) deposit min. S$5,000 of fresh funds into their new UOB account by 30 April 2024, and (iv) hold the deposited fresh funds in their new UOB account until 31 May 2024 (inclusive of the date indicated).
OR
b) S$30 cash credit will be awarded to the first 200 existing UOB deposit customers (i) who submit an online account opening application between 1 to 30 April 2024 (both dates inclusive) for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account or UOB One Account, (ii) whose application is successfully approved by 30 April 2024, and (iii) deposit min. S$5,000 of fresh funds into their new UOB account by 30 April 2024, and (iv) hold the deposited fresh funds in their new UOB account until 31 May 2024 (inclusive of the date indicated). The fresh funds deposited by existing UOB deposit customers into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 30 March 2024.
Full Terms and Conditions governing UOB Online Account Opening Promotion (1 to 30 April 2024) apply.
AND
3) Up to S$130 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 April 2024 to 30 June 2024) by successfully submitting an online participation form at UOB Singapore website and completing any or all of the following actions:
(i) S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO, or/and who successfully perform a loan repayment transaction for their UOB car loan or UOB home loan from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.
(ii) S$50 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow within the next two calendar months from the date of submission of the online participation form.
(iii) S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service within the next two calendar months from the date of submission of the online participation form.
Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account. Full terms and conditions apply and can be accessed here.
Insured up to S$100k by SDIC
Please refer here for full FAQs for the UOB EVOL Card.
1To enjoy 8% cashback on Online and Mobile Contactless Spend, a min. spend of S$600 per statement month on your card is required. If the min. spend is not met, only the base 0.3% cashback on your Online and Mobile Contactless Spend will be awarded. Cashback is capped at S$20 per statement month for each of Online, Mobile Contactless and all Other Spend. Exclusions and other terms and conditions apply.
2Enjoy no annual fees when you make min 3 transactions on your UOB EVOL Card every month for 12 consecutive months prior to your card annual fee charge date.
3The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference "SALA"/ "PAYNOW SALA") in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 3.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 5.00% p.a. for deposits of S$100,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference "SALA"/"PAYNOW SALA") in each calendar month.
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.
Apply & Pay within minutes is only valid for New-to-Bank applicants who use Myinfo to retrieve personal details and income information, pass all screening steps and income checks. Applications must be submitted from 7am - 8pm. You will be able to receive your physical card 5 working days upon card approval.
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