Safeguard your online card transactions with Digital Token

Safeguard your online card transactions with Digital Token



To provide you with a safer and more seamless online payment experience, SMS One-Time Passwords (OTPs) have been replaced with Digital Token authentication for card transactions at 3D Secure (3DS) merchants.

From end June 2025, SMS OTPs will no longer be available to UOB TMRW app users for authenticating 3DS transactions. Please ensure that your Digital token is activated and push notifications are enabled on your mobile device, so you can continue making secure payments with ease.

Enable Push Notifications for UOB TMRW
on your mobile device



To avoid any disruptions to your online card transactions, follow the steps below to enable notifications on your mobile device.

Enable notifications on Android device

Step 1

Step 1

Open "Settings" > Tap on "Apps and Notifications".

Step 2

Step 2

Tap on Show Notifications.

Step 3

Step 3

Tap on "UOB TMRW". You have successfully enabled your notifications for UOB TMRW.

Enable notifications on iOS device

Step 1

Step 1

Open “Settings” > Tap on “Notifications”.

Step 2

Step 2

Scroll and find “UOB TMRW”. Tap on “UOB TMRW”.

Step 3

Step 3

Tap on all options – Lock Screen, Notification Centre and Banners. You have successfully enabled your notifications for UOB TMRW.

Frequently Asked Questions (FAQs)

3D Secure (3DS)
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What is 3D Secure?

3-Domain Secure (3DS) is a protocol used by banks worldwide to authenticate online card transactions. Cardmembers can recognize the participating 3DS merchants by the Verified-by-Visa, MasterCard’s SecureCode, American Express SafeKey or JCB J/Secure logos on the online merchant’s website. When making purchases online, 3DS will prompt Cardmember with  additional verification such as Digital Token or SMS OTP to authenticate the transaction. If the verification is successful, the purchase transaction will be processed and completed.

How do I verify payment for my online transaction using Digital Token?

You will receive a push notification on the mobile device you registered for Digital Token. Tap on the notification and UOB TMRW will launch with a pop-up on the transaction details. Please ensure that you are approving the correct transaction by checking the merchant’s name and amount. Tap “Approve” to verify the transaction.

 

I have approved the payment request on UOB TMRW app and returned to the merchant's app/website, but I continue to see the screen asking me to verify my 3DS transaction. What should I do?

Depending on the merchant you are transacting with, it might take up to 10 seconds for the merchant app or website to verify your payment request after you have approved the transaction on your UOB TMRW app and returned to the merchant's app/website. During this interval, please do not click on anything on the screen until the page automatically refreshes to reflect the transaction status.

 

If you’re still unable to approve the request or receive a response on the transaction status, please click on “Resend push notification” to try again.

 

Why am I not receiving any push notification to verify my transactions?

There may be poor network connectivity, or you may have turned off notifications for UOB TMRW app. Please ensure that push notifications have been enabled on your mobile device for your UOB TMRW app and click on “Resend push notification” to try again. Click here to see how to enable your push notifications.

 

If you are currently in China, you may not be able to receive push notifications via UOB TMRW app. To verify your online 3DS transaction, tap on “Digital Token” on your UOB TMRW app pre-login screen to retrieve the payment request.
Click here to see how to retrieve your Payment Request screen.

 

I’m still not receiving the push notification despite enabling my device to receive UOB TMRW app push notifications. How do I complete my 3DS transaction?

If you did not receive the push notification, you can tap on “Digital Token” on your UOB TMRW app pre-login screen to retrieve the payment request. Click here to see how to retrieve your Payment Request screen.

 

How do I turn on notifications on my mobile device?

For iOS devices
Access Settings → Select Notifications → Select UOB TMRW → Turn on “Allow Notifications”

For Android devices
Access Settings → Select Notifications → Select UOB TMRW → Turn on Notifications

 

Why am I still receiving SMS One-Time Password (OTP) authentication instead of Digital Token authentication for my online card transactions?

The Digital Token authentication for online card transactions will be progressively rolled out to UOB Cardmembers with UOB TMRW app access, hence you might still be prompted for SMS OTP authentication. If you do not have UOB TMRW app access, please register for digital banking access and set up your Digital Token.

 

What can I do if I require further assistance?

If you are having trouble with approving or rejecting your payment request via the push notification sent by UOB TMRW to your registered mobile device, please call 1800 222 2121 for assistance.

What is a Digital Token?

A digital token is just like a physical one, except that it’s built into your UOB TMRW app on your mobile phone. Only you can access it when making secure transactions. With this, you no longer need to get OTPs (One-Time Passwords) through SMS or the physical token.

 

Who can sign up for Digital Token? How do I set it up?

All UOB customers with UOB TMRW or Personal Internet Banking can sign up for Digital Token. Tap on the “Digital Token” icon on the login screen. You would need your card number and PIN or your bank-registered e-mail/mobile numder during the registration process.

 

I forgot my Digital Token code. What should I do?

Remove the digital token from your device by logging into your UOB TMRW app and tapping on the 'Services' icon on the bottom bar. Then, go to 'App and security' > 'Remove digital token’ and set it up again. For security purposes, you will only be able to activate and use your digital token to verify online payment transaction after 12 hours.

 

I’ve changed my mobile device. Do I need to set up my digital token again?

Yes. The digital token on your old device will be removed once you do so.

 

My mobile device is lost or stolen. What should I do?
Call us at 1800 222 2121 and we'll remove your digital token from your device to stop any unauthorised transactions. If you're overseas, call (65) 6222 2121 instead. Do also contact your mobile carrier to temporarily deactivate your line while you get a new SIM card.

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