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.
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
*Get GoPro HERO13 worth S$590
The first 100 new-to-UOB Credit Cardmembers to successfully apply for a UOB EVOL Card in each calendar month from 1 September 2024 to 30 November 2024 and spend a min. of S$800 per month for the 3 first consecutive months from their card approval date, will receive a GoPro HERO13 worth S$590. Click here for full terms and conditions.
1EVOL Card benefits will be enhanced from 7 June 2024: To enjoy 10% cashback on online, mobile and overseas in-store FX spend, a min. spend of S$800 per statement month on your card is required. If the min. spend is not met, only the base 0.3% cashback on your online, mobile contactless and overseas in-store FX spend will be awarded. Cashback is capped at S$80 per statement month (S$30 cap for Online and Mobile Contactless; S$20 cap for overseas in-store FX spend; and S$30 on all other Spend). Exclusions and other terms and conditions apply.
To minimize disruptions for existing UOB EVOL Cards issued before 7 June 2024, the existing cardmembers can enjoy the enhanced benefits from the next statement cycle from 7 August 2024, please click here for Frequently Asked Questions.
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$150,000 in the One Account is S$6,000 and is calculated based on the maximum effective interest rate (EIR) of 4.00% 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 2.40% p.a. for deposits of S$125,000, 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 4.00% p.a. for deposits of S$150,000, 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.
With effect from 21 July 2024, transactions with the transaction description “NORWDS*” will be excluded from the awarding of cashback. Please click here for the full terms and conditions.
W.e.f. 1 October 2024, transactions with the transaction description “AMAZE*” and Merchant Category Codes 5965 Direct marketing –Combination Catalog and Retail Merchants, 5993 Cigar Stores and Stands, 8699 Organizations, Membership-Not Elsewhere Classified (Labor Union) and 8999 Professional Services (Not Elsewhere Classified) will be excluded from the awarding of cashback. Click here for the full terms and conditions.
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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