CardsCard Services & FAQsCard Transaction Status

UOB Card Transaction Status

Understand pending, posted, reversed, refunded and declined transactions – what they mean and how they affect your account.

Pending vs Posted Transactions

When you use your card, the transaction amount is sent as payment to the merchant. The merchant still needs to process the transaction (settlement) before it is officially posted to your account. Until then, the transaction will appear as “pending.”

You may tap on the pending transactions to find out more details

Once the merchant completes their settlement with the settlement bank (your transaction has been successfully processed), the transaction will be successfully posted onto your card account.

You may tap on the posted transactions to find out more details

Reversed Transactions

Reversed transactions occur when the merchant performed a reversal of the transaction before the transaction is posted onto your card account. You may tap on the reversed transactions to find out more details or contact the merchant directly to find out more.

Refunded Transactions

Refunded transaction happens when the merchant did a reversal of the transaction after the transactions has been posted onto your card account. You may contact the merchant directly to find out more.

Declined Transactions

Declined transactions are unsuccessful transactions and will be displayed till next statement cycle.
You will receive push notifications and emails on selected declined transactions.

Why are transactions declined?

For a permanent credit limit increase please refer here for more information.
A Permanent Limit Increase (PLI) is a long-term adjustment to your credit limit, that is determined by your annual income.

For a temporary credit limit increase, please refer here for more information.
A Temporary Limit Increase (TLI) is a short-term adjustment to your credit limit, only applicable for overseas travel, weddings, medical or hospitalisation or funeral-related purposes, lasting up to 30 days.

For more information on UOB Credit Limit please refer here.

Please activate your UOB Card via UOB TMRW app and try again. Click here to find out more.

If you are unable to activate your card via UOB TMRW, please refer here for other card activation methods.

If your in-store transaction is declined: Please check if you are using the recently received renewal card to transact and be reminded to activate your renewal card before trying again.

If your online transaction is declined:
Please check that the card expiry date and card security code (or typically known as CVV) is updated to the details on your recently received renewal card for online purchases to go through.

For more information on renewal card, please refer here.

Please check the card security code (or typically known as CVV) or expiry date of the card for your purchase to go through.

Please update the Merchant with the latest card details (such as expiry date).

Duplicated Transactions

Duplicated transaction happens when the same transaction was processed more than once by the merchant. Please contact the merchant for a reversal / refund.