Digital Banking

Where’s your money really going? Take stock by using UOB TMRW to track your spending, score deals, invest and more. It’s the Spotify Unwrapped you needed, but for money.

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

Discover other simple and personalized digital banking features on UOB TMRW here.

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

Pay on the go

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Best deals on the go

Best deals on the go

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Smart money management on the go

Smart money management on the go

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Experience the freedom of going cardless and cashless with mobile payments at your fingertips.

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!

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

Find out more here.


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

Learn more about digital token on UOB TMRW

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Set up digital token

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Make TMRW yours, download now.

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Terms and Conditions

W.e.f. 1 March 2022, please be informed that transactions with transaction description "AMAZE* TRANSIT*" will be excluded from the awarding of cashback.

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.

*For the first 60 new-to-UOB Credit Cardmembers in each calendar month to apply for a UOB EVOL Card from 1 April to 30 June 2022 (both dates inclusive) and spend a min. of S$1,500 within 30 days from the card approval date. Total 180 AirPods Pro with an eco Oakywood case (each worth S$429) to give away. Click here for full terms and conditions.

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.

Get AirPods Pro with an eco Oakywood case worth S$429* when you apply for UOB EVOL Card now!

Apply Now

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