SGFinDex
What is the purpose of SGFinDex?
The purpose of SGFinDex is to allow customer to aggregate their financial data with other banks, insurance companies and government agencies to get a consolidated view. The primary use case is to facilitate financial planning.
Who are the participating organisations?
The 7 participating banks are UOB, Citibank, DBS/POSB, HSBC, Maybank, Standard Chartered Bank and OCBC. The participating insurance companies are AIA, Great Eastern, Prudential, Manulife, Income, HSBC Life, Singlife with Aviva. The participating government agencies are CPF, Income (IRAS) and HDB.
If the organisation is not in the list, what does it mean?
If the organisation is not in the list, it means the financial institution is not a participant of SGFinDex. Customer with relationship with those financial institutions will not be able to use SGFinDex to aggregate their financial data.
What do I need to start using SGFinDex?
You will need to perform an initial setup by providing your consent and link your financial institution accounts with SGFinDex. You may do so by logging into UOB TMRW, go to "Wealth" tab and click on "SGFinDex One View".
How long does the consent last?
The consent period lasts for 365 days (including the first day) after the first consent was made.
For illustration, if you had made a consent for UOB to release data to SGFinDex on 1st Jan 2021, and subsequently had made a consent for DBS to release data to SGFinDex on 1st Mar 2021, all consents will expire on 31st Dec 2021. If you were to attempt a data retrieval on 1st Jan 2022, there will be no data retrieved, and you will have to grant your consent again.
I am an Accredited Investor (AI), can I utilise SGFinDex?
Accredited Investor who are tagged to individual banks are excluded from SGFindex to share their data with other banks. However, you can still retrieve data from the bank that you are tagged to as an Accredited Investor.
What are the financial data that will be release upon my consent?
Based on the organisation selected, please refer to the table for data released.
Bank Data
Product | Data Shared |
Current Account & Savings Account (CASA) & Fixed Deposit (FD) |
|
Loan (Secured & Unsecured) |
|
Credit Cards |
|
Unit Trusts |
|
Supplementary Retirement Scheme (SRS) & Central Provident Fund Investment Account (CPFIA) |
|
Government Data
Product | Data Shared |
Central Provident Fund (CPF) | Ordinary Account (OA), Special Account (SA), Medisave Account (MA), Retirement Account (RA) |
Income (IRAS) | Year of Assessment, Employment Income, Trade Income, Property Income, Interest Income |
Housing & Development Board (HDB) | HDB Outstanding Loan Balance, HDB Monthly Loan Instalment Amount |
SGX Data
Product | Data Shared |
Equities, Exchange-Traded Funds (ETFs), Bonds, Structured Products and Others | Security Type, Security Name, Security ISIN, Total Balance, Market Value |
Insurance Data
Product | Data Shared |
Life and Health Insurance |
|
Can I revoke all my consents all at once?
You can go to SGFinDex portal via UOB TMRW to revoke all your consents. The consents can be revoked all in one place, but individually one by one.
Will I be able to select the data I wish to be released?
No. You will not be able to select the data that you wish to release.
Why is my savings account and loan amount different from what Personal Internet Bank (PIB) is showing?
The Current Account Savings Account (CASA) data returned by SGFinDex is previous months’ month end data. It is not real time. That is why it can be different from the amount that is shown in Personal Internet Banking (PIB).
What are the measures in place to safeguard my data while it is being retrieved?
There are stringent security measures in place to safeguard your personal data that passes through SGFinDex. Your data is encrypted when it is retrieved through SGFinDex and only the financial planning application/website(s) that you have authorised to receive your data is able to decrypt the data. The authentication and authorisation process is underpinned by SingPass.
SimpleInvest
How do I get started?
It's easy. You need to have a UOB savings or checking account that's solely under your own name (not a joint account). Download the UOB TMRW app to explore our SimpleInvest funds. You need to be at least 21 years old to invest.
How is SimpleInvest different from other robo-advisors?
SimpleInvest is not a robo-advisor. We do not just use automation and algorithms to manage portfolios. Instead, we offer 4 specially curated funds that are professionally managed by experienced fund managers that address your different investment objectives.
Unlike other professionally managed funds, SimpleInvest offers an easy way of investing and managing your portfolio digitally.
I'm not a Singaporean or PR. Can I invest?
Yes, foreigners can invest with the exception of U.S. Persons, Canadian residents, and residents of EEA countries.
How much do I need to start investing?
You can start with just S$100!
What investment options do I have?
You can do a one-time (lump sum) investment or monthly recurring investment. It's up to you.
Does my Customer Knowledge Assessment from another institution applies to UOB?
Yes, as this lets us assess your level of financial knowledge.
What are the SimpleInvest solutions?
We have 4 solutions based on your investment objectives and level of risk-taking.
United SGD Money Market Fund
Park your cash in a money market fund for your liquidity needs.
United SGD Fund
Receive stable payouts from short-term high quality bonds
United Income Fund
Earn regular payouts from a diversified portfolio of income-generating equities and bonds.
United Growth Fund
Aim for long-term capital appreciation by investing in higher growth equities, along with bonds to buffer downside risks.
Which fund should I invest in?
Consider your financial needs and risk appetitie. Each solution serves different investment objectives – liquidity, income or growth. You may refer to uob.com.sg/simpleinvest for more details.
How often should I monitor my funds?
Anytime you like on UOB TMRW! The Net Asset Value (NAV) of each fund is updated every business day. Even if you do not monitor your funds daily, rest assured that our fund managers do so 24/7. They proactively manage your funds and rebalance the underlying investments when necessary. You will also get monthly portfolio updates through the SimpleInvest dashboard.
Which account will my investment regular payouts be credited?
You can choose to reinvest the payout or transfer it into your preferred account.
Will I get investment updates?
Yes, you will get monthly market and fund reviews through the SimpleInvest dashboard. Find out what our asset managers say about your funds before deciding on your next investment decision.
I want to receive cash payouts but inadvertently reinvested it, what do I do?
No worries. Just submit a 'Change in Dividend Instruction' form.
Am I allowed to redeem part of my investments?
Yes, you can. Do note that for partial redemptions, you must leave a minimum holding of 10 units in your fund.
How do I terminate my recurring investments orders?
Follow these steps:
Step 1: Tap 'View orders' on your SimpleInvest Dashboard.
Step 2: Swipe left on your order and tap 'Terminate'.
Step 3: Follow the instructions to complete the termination.
Can I switch funds?
You can only switch between the United Income Fund and United Growth Fund. You can switch all or part of your units, as long as you leave a minimum holding of 10 units in your fund for partial switches.
My transaction is unsuccessful. What do I do?
Scheduled maintenance could be going on, or your internet connection might be unstable. Try again later.
How do I view the status of my order after successfully submitting it?
You can view your submission status on your SimpleInvest dashboard. If your order is complete or unsuccessful, you will also receive an in-app notification on the status if you have enabled notifications for UOB TMRW.
How long will my 'Pending' order status be updated?
It will be updated to 'Completed' when you receive your units for buy and switching orders, or when your units are transferred for sell orders.
Will I get notifications in non-digital forms for my SimpleInvest orders?
Yes, we will mail you hard copy statements for every successful purchase. You can also view your order statuses on UOB TMRW.
I want to change a recurring SimpleInvest order I made. How do I do so?
Just follow these steps:
Step 1: Tap ‘View orders’ on your SimpleInvest Dashboard.
Step 2: Swipe left on your order and tap ‘Edit’.
Step 3: Follow the instructions to edit your order.
I want to cancel the buy order I submitted recently. How can I do so?
Kindly note that cancellation is only allowed on one-time buy orders. There is a 7 calendar days cooling period from the day of submitting your purchase, should you intend to cancel your order.
You may cancel your one-time buy order through SimpleInvest via the UOB TMRW App. Simply follow these steps:
1) Login to UOB TMRW
2) Under the ‘Wealth’ tab, locate SimpleInvest
3) Click on SimpleInvest where you will be able to see your dashboard
4) Click on ‘View all orders’
5) Swipe right to left on an active one-time order card that you want to cancel
6) An option to cancel the order will be given
Once a cancellation has been made successful, the money will be credited to your UOB account within 7 business days.
I have submitted my order a few days ago, but my holdings are still not updated?
Your holdings will be updated within 3 business days, as long as the transaction was made on a trading day where the fund was available for subscription and redemption.
Why was my order rejected when I have sufficient funds?
This might be due to special characters in your naming convention, such as a comma, @ etc. We are aware of this issue and are working to fix it. Meanwhile, do drop us a message through the SimpleInvest product page on UOB TMRW. We'll contact you within 2 working days to help.
What are the fees for Simpleinvest?
Investors will pay a sales charge of 0.8% of the investment amount at the point of sale. This is deducted when you place your order. There is no sales charge for the United SGD Money Market Fund.
Is there a platform fee for using SimpleInvest?
There is no platform fee for using SimpleInvest.
Besides the sales charge, are there any other fees for using SimpleInvest?
Besides the sales charge that is charged upfront at subscription, the asset manager of the fund will also charge an Annual Management Fee for managing the fund.
Other fees include administrative costs of maintaining the fund such as custodian, trustee and accounting fees. These fees would be deducted from your fund’s Net Asset Value (NAV) and of no additional cost to you.
Can I buy, sell and switch SimpleInvest funds in Personal Internet Banking (PIB)?
Yes, you may! However, order maintenance features such as cancelling your one-time order or terminating your recurring order are currently unavailable in PIB. You must do these in the UOB TMRW app through the SimpleInvest feature.
Will there be more funds available in SimpleInvest?
We will keep you posted when new SimpleInvest funds are introduced!
Where can I find out more about SimpleInvest?
To find out more, go to uob.com.sg/simpleinvest.
Unit Trusts
[Getting started] How do I get started?
First, make sure you have a single-name UOB savings or current account. Next, download the UOB TMRW app to explore the investment offerings.
You need to be at least 21 years old to invest.
If you do not have a single-name UOB savings or current account, you may open one online. Get approval within minutes, and start investing today.
[Getting started] I am not Singaporean/PR; can I invest?
Yes, foreigners can invest with the exception of U.S Persons, Canadian residents and residents of the EEA countries.
Does my Customer Knowledge Assessment from another institution applies to UOB?
Yes, as this lets us assess your level of financial knowledge.
[Getting started] Can I use my CPF or SRS monies to make an investment?
First, make sure you have registered your phone number with us for PayNow to generate QR codes. To receive money, tap on the 'Home' tab on the bottom bar. Then, go to 'Scan to pay' > 'My QR'. Share your QR code as it is or choose a preset amount.
[Investing] How often should I monitor my investments?
As often as you like on the UOB TMRW app! The Net Asset Value (NAV) of each fund is updated every business day, with the exception of fund holidays, which are determined by the fund managers and usually fall on public holidays in countries where the fund has significant exposure.
Even if you do not monitor your investments daily, rest assured that our fund managers do, 24/7. They will proactively manage your funds and rebalance the underlying investments when necessary. You will also get monthly portfolio updates, available within the Unit Trusts tab when you log in to the UOB TMRW app.
Will I receive payouts for my investments made? And where do my payouts go to?
You will receive payouts if the fund that you have selected provide payouts. You can choose to either reinvest the payout or credit the payout into your preferred account.
[Investing] Will I receive investment updates?
Yes, you will receive monthly market and fund reviews. Before deciding on your next course of action, find out what the asset managers say about the funds through the Fund Commentary & Strategy section, which can be viewed in the UOB TMRW App. This can be found within the individual fund’s pages when you access the Unit Trusts section under the Wealth tab.
I accidentally reinvest my dividends instead of payout. What do I do?
Please visit a UOB branch to change your dividend instructions.
Am I allowed to redeem part of my investments instead of the full amount?
Yes. You can redeem the full amount or part of your investments. For partial redemptions, you must leave a minimum holding based on the fund requirement.
How do I terminate my recurring orders after redeeming my investments?
To terminate, follow these steps:
Step 1: On the first screen you see after tapping on the Wealth Tab - Unit Trusts within the UOB TMRW app (if you have invested), look for the "Orders" section and tap on "View all“
Step 2: Swipe left on your order and tap ‘Terminate’.
Step 3: Follow the instructions to complete your termination.
[Investing] Can I switch my funds?
You can only switch between funds within the same fund umbrella i.e. funds under the same prospectus. You can switch all or part of your units (subject to minimum fund holdings requirement)
[Investing] My transaction was ‘Unsuccessful’. What do I do now?
Check that you have a stable internet connection. If the UOB TMRW app is undergoing maintenance, try again later.
How do I view my order status upon successful submission of my order requests?
Tap ‘View order status’ on your submitted screen.Alternatively, you can view your orders on the Services - Unit Trusts page within the UOB TMRW app. You will also be able to view the status of your past orders here.
If your order is completed or unsuccessful, you will also receive an in-app notification. Do remember to set your mobile phone settings to receive notifications from the UOB TMRW app.
Will I be receiving notifications in other forms for my Unit Trust orders?
We will mail the hard copy statements to you for every successful purchase. You can also view your order status on the UOB TMRW app.
[Investing] I would like to make changes to my recurring order. How do I do so?
To make changes, follow these steps:
Step 1: Tap ‘View orders’ on the first screen you see after tapping on Unit Trusts within the UOB TMRW app.
Step 2: Swipe left on your order and tap ‘Edit’.
Step 3: Follow the instructions to edit your order.
How do I view my order status upon successful submission of my order requests?
Tap ‘View order status’ on your submitted screen.Alternatively, you can view your orders on the Services - Unit Trusts page within the UOB TMRW app. You will also be able to view the status of your past orders here.
If your order is completed or unsuccessful, you will also receive an in-app notification. Do remember to set your mobile phone settings to receive notifications from the UOB TMRW app.
Will I be receiving notifications in other forms for my Unit Trust orders?
We will mail the hard copy statements to you for every successful purchase. You can also view your order status on the UOB TMRW app.
[Investing] I would like to make changes to my recurring order. How do I do so?
To make changes, follow these steps:
Step 1: Tap ‘View orders’ on the first screen you see after tapping on Unit Trusts within the UOB TMRW app.
Step 2: Swipe left on your order and tap ‘Edit’.
Step 3: Follow the instructions to edit your order.
I have a change of mind. How do I cancel the order that I submitted yesterday?
For funds that offer 7 days cancellation, you can cancel it within 7 calendar days and the investment proceeds will be credited to your UOB account within 7 business days after trade date.
You may cancel your one-time buy order through Unit Trusts via the UOB TMRW App. Simply follow these steps:
Step 1: Tap ‘View orders’ on the first screen you see after tapping on Unit Trusts within the UOB TMRW app.
Step 2: Swipe right to left on an active one-time order card that you want to cancel
Step 3: Follow the instructions to cancel your order.
I have submitted my order a few days ago, but my holdings are still not updated?
Holdings will be reflected within 3 business days if the transaction is executed on a trading day where the fund is available for subscription and redemption.
Are there any fees for investing in Unit Trusts via UOB TMRW app?
Yes, investors will only be required to pay a sales charge of up to 1% of the investment amount at the point of sale. This is deducted directly from your savings or current account when you place your order.
Example for S$1,000 investment sum at 1% sales charge:
Investment sum: S$1,000
Upfront sales charge of 1%: S$10
Net invested amount for buying units: S$1,000 - S$10 = S$990
Please note that fund prices are subjected to daily market movements, and the amount reflected on your account after completion of the transaction might be more or less than the initial invested amount.
Do I need to pay a platform fee when I invest via UOB TMRW app?
There is no annual platform fee.
Besides the sales charge, are there any other fees to be paid for my investment?
Besides the sales charge that is charged upfront at subscription, the asset manager of the fund will also charge an Annual Management Fee for managing the fund.
Other fees include administrative costs of maintaining the fund such as custodian, trustee and accounting fees.
These fees would be deducted from your fund’s Net Asset Value (NAV) and be of no additional cost to you.
Mighty FX
How do I convert currency with Mighty FX?
Login to UOB TMRW and tap “Wealth” tab on the bottom bar, followed by tapping on ‘Mighty FX’ > ‘Convert currency’ tab.
How do I set an alert to notify me when my preferred conversion rate is met?
Login to UOB TMRW and tap on the 'Wealth' icon on the bottom bar. Then, tap on 'Mighty FX' > 'Convert currency' tab. After you choose your currencies, enter the amount you want to convert or receive. Next, tap the 'Refresh' icon to see the latest Mighty FX rate. Finally, tap on 'Alert me'.
What happens when my preferred conversion rate is available?
When setting an alert, you can choose either 'Alert' or 'Convert and alert'. The latter converts your money once your preferred conversion rate is met, while the former only notifies you that your rate is available.
How do I convert my funds automatically once my preferred rate is met?
Choose the 'Convert and alert' option when setting your alert. You'll receive a notification when the conversion is complete.
How do I view my Mighty FX accounts?
Login to UOB TMRW and tap on the 'Wealth' icon located on the bottom bar, then tap on 'Mighty FX' > 'View accounts'. Alternatively, you may login and tap on the 'Accounts' icon on the bottom bar. Then, scroll and tap on the UOB SGD base account card that has a small 'Mighty FX' badge on it.
Which ATMs can I withdraw from when I'm abroad?
Login to UOB TMRW and tap “Services” tab on the bottom bar, followed by tapping on ‘Find an overseas ATM’. From there, you may use the Mastercard ATM locator to find the nearest ATM for your withdrawal.
What is the ‘FX Debit’ feature for Mighty FX or KrisFlyer UOB Debit Cards?
When you are abroad, enabling 'FX Debit' means your withdrawals will be debited from the relevant Mighty FX foreign currency account. If this feature isn't on, the money will be debited from your SGD base account instead.
To turn it on, tap on the 'Accounts' icon on the bottom bar. Then, select 'Mighty FX/KrisFlyer UOB Debit Card' > 'Settings' > 'Enable FX Debit'.
Where can I view my Mighty FX or KrisFlyer UOB Debit Card transactions?
Login to UOB TMRW and tap on the 'Accounts' icon on the bottom bar. Then, select 'Mighty FX/KrisFlyer UOB Debit Card' > 'Transactions'.
What do I need in order to use Mighty FX?
You will need to open a set of 10 Mighty FX foreign currency accounts, which will be linked to a new or existing UOB SGD base account. Mighty FX has to be linked to any one of the UOB SGD base accounts – One Account, iAccount, Wealth Premium Account, Privilege Account or KrisFlyer UOB Account. The eligibility to open Mighty FX depends on the UOB SGD base account selected. Select an account below to find out more about UOB SGD base account eligibility and features.
One Account, iAccount, Wealth Premium Account, Privilege Account, KrisFlyer UOB Account
If you already have any one of the UOB SGD base accounts mentioned above, you can apply for Mighty FX to be linked to your existing UOB SGD base account.
A Mighty FX Debit Card or KrisFlyer UOB Debit Card will be issued to you, depending on the UOB SGD base account chosen by you. Where the UOB SGD base account is a UOB KrisFlyer Account, Mighty FX will be linked to a KrisFlyer UOB Debit Card. For all other UOB SGD base accounts, a Mighty FX Debit Card will be issued.
Can I request which foreign currency account to open?
Mighty FX exists as a set of 10 foreign currency accounts. Upon successful application, a set of 10 foreign currency accounts will be opened for you.
Is there any minimum deposit required to open Mighty FX?
There is no minimum deposit required to open Mighty FX. Mighty FX also does not require a minimum balance to maintain. However, the minimum balance requirements and fees on your UOB SGD base account, if any, will apply separately.
Do Mighty FX foreign currency accounts earn interest?
Interest is payable on the credit balances in the respective Mighty FX foreign currencies. Refer here.
What are the fees associated with the Mighty FX Debit Card?
Fees | |
Annual card membership fee |
|
Card replacement fee^ |
|
Overseas ATM cash withdrawal fee for non-UOB ATMs |
|
How do I adjust the Mastercard spending limit on my Debit Card?
If you wish to adjust your Debit Card Mastercard spending limit, click here to find out more.
Are foreign currency transactions automatically debited from my Mighty FX account?
Yes. Once your debit card is issued, the card's FX direct debit feature (“FX Debit”) will be turned on by default. Keep this feature on to debit directly from the relevant Mighty FX foreign currency accounts (except Chinese Renminbi Offshore) for point-of-sale transactions, online transactions and/or overseas ATM cash withdrawals.
How does FX Debit affect foreign currency transactions?
When FX Debit is turned on:
- Your Mighty FX foreign currency account will be debited if transactions are in the supported foreign currency.
- If your transactions are in non-supported foreign currency, your UOB SGD base account will be debited.
When FX Debit is turned off:
- All your debit card transactions will be debited from your UOB SGD base account.
How do I apply for Mighty FX?
You can apply via one of the following methods:
Public Website:
For New to Bank customers, you can apply for Mighty FX via MyInfo. You would need to be either a
- Singaporean,
- Singapore PR
Personal Internet Banking*:
For existing UOB customers, you can apply for Mighty FX via your Personal Internet Banking. You will need to be an existing current account or savings account customer to open the account via Personal Internet Banking.
UOB Branches:
You may also visit any UOB Branch to open Mighty FX.
*This method is not applicable if you are applying to link Mighty FX to an existing joint-name UOB SGD account. Please visit any UOB Branch with the joint account holder(s) for this application.
Can I request which Mighty FX foreign currency account to close?
Mighty FX exists as a set of 10 foreign currency accounts. Upon account closure request, the set of 10 foreign currency accounts will be closed. You have the option to maintain the UOB SGD base account or have it closed altogether.
What are the currencies available for conversions in Mighty FX?
Currencies Offered | |
AUD | Australian Dollar |
CAD | Canadian Dollar |
CHF | Swiss Franc |
CNH* | Chinese Renminbi Offshore |
EUR | Euro |
GBP | Great Britain Pound |
HKD | Hong Kong Dollar |
JPY | Japanese Yen |
NZD | New Zealand Dollar |
SGD | Singapore Dollar |
USD | United States Dollar |
*Chinese Renminbi Offshore (CNH) is unavailable for point-of-sale transactions, online transactions and/or overseas ATM cash withdrawals.
When can I convert currency in Mighty FX?
Mighty FX is available 24 hours, 7 days a week.
What is Mighty FX Rate?
Mighty FX rate is a preferential exchange rate based on the prevailing interbank market rate and the Bank's spread, as determined by the Bank in its sole discretion. The Mighty FX rate is only applicable to the conversion of currency via Mighty FX in the UOB TMRW app. The Mighty FX rate is not available if you convert, pay, or transfer funds outside of Mighty FX.
All Mighty FX rates show you directly how much one unit of a currency can be exchanged for in another currency.
For example:
To convert SGD to USD, Mighty FX rate quotes as 0.7344. For every 1 SGD converted, you receive 0.7344 USD.
To convert USD to SGD, Mighty FX rate quotes as 1.3616. For every 1 USD converted, you receive 1.3616 SGD.
What kind of transactions can I perform on Mighty FX?
You may choose to convert currency instantly (Convert Currency Order), or set your preferred exchange rate and be notified or automatically converted when preferred rate is met (Alert Me Order).
What are the minimum and maximum conversion amounts for each Mighty FX order?
The minimum and maximum conversion amounts are applied on the currencies you are converting from.
Converted From | Minimum Conversion Amount | Maximum Conversion Amount |
SGD | 5 | 50,000 |
AUD | 5 | 50,000 |
USD | 5 | 50,000 |
EUR | 5 | 50,000 |
GBP | 5 | 50,000 |
HKD | 20 | 500,000 |
JPY | 500 | 5,000,000 |
CAD | 5 | 50,000 |
NZD | 5 | 50,000 |
CHF | 5 | 50,000 |
CNH | 20 | 500,000 |
What are Convert Currency Orders and Alert Me Orders?
A Convert Currency Order allows you to buy or sell your currency at the prevailing Mighty FX Rate. Confirm your order within 30 seconds, or refresh for an updated Mighty FX Rate. Upon successful conversion, your Mighty FX settlement account will be credited with the converted currency.
An Alert Me Order allows you to instruct the Bank to buy or sell a selected currency, within a specified date range, at a specific exchange rate you set. The order will only be executed when the Mighty FX Rate meets the specific exchange rate.
You can choose to be notified via in-app notifications when the specific exchange rate is met. You will also be notified via in-app notifications when your Alert Me Order has been automatically converted for you.
How long are my Alert Me Orders valid for?
You have the option to submit an Alert Me Order for up to 60 calendar days. An Alert Me Order expires at 2359 hrs on the expiry day.
How many Alert Me Orders can I place?
Download UOB TMRW App from App Store or Google Play. Login and proceed to Mighty FX to get attractive exchange rates across 11 currencies, anytime anywhere.
1) Login into UOB TMRW app using your Personal Internet Banking username and password.
2) Tap on the Wealth tab located at the bottom of the screen.
3) Tap on Mighty FX
4) You will now be on the Mighty FX landing page.

What are the steps to withdraw cash from an overseas ATM?
Select "Checking/Current Account" to withdraw foreign currency cash from your Mighty FX foreign currency account.
Certain overseas banks may give you the option to select debiting the foreign currency cash withdrawal in your home currency (i.e. SGD) or in the local currency. Select the local currency to ensure your withdrawal is debited from the relevant Mighty FX foreign currency account.
If home currency is selected, you will incur a Dynamic Currency Conversion (DCC) fee charged by the overseas bank with the foreign currency cash withdrawal debited from your Mighty FX SGD base account.
Note that your Mighty FX foreign currency account has to be sufficiently funded for successful overseas foreign currency cash withdrawal.
Insufficient funds in your foreign currency account will result in a withdrawal decline.
What is the statement mode for Mighty FX?
Mighty FX foreign currency accounts and debit card statements are consolidated together with your UOB SGD base account. Statement mode will follow that of your UOB SGD base account.
How will my Mighty FX conversions be reflected in statements?
Mighty FX conversions are displayed as “Currency Conversion”. The conversion exchange rate will also be reflected in the transaction detail.


How will Mighty FX Debit Card foreign currency transactions reflect on statement
In the statement, the foreign currency transaction will be reflected under the relevant Mighty FX foreign currency account. The transaction's SGD equivalent will also be reflected for your reference and to assist calculation of bonus interest or bonus miles (if your UOB SGD base account is One Account or KrisFlyer UOB Account). The SGD equivalent is computed using an exchange rate determined by Mastercard.

Where can I view my transaction details other than statements?
You can also view your Mighty FX transaction details via the UOB TMRW app or through your Personal Internet Banking.
My transaction failed despite having enough funds in my Mighty FX account. Why?
In some cases, your transaction may be settled in another foreign currency other than the local currency. Kindly verify the settlement currency with the merchant.
SimpleInsure
Who can purchase PRUCancer 360 through UOB TMRW?
To purchase directly from UOB, you must be a UOB Savings primary account holder who is also a Singaporean or Singapore permanent resident. You must also be between the ages of 17 to 61 and reside in Singapore.
What coverage options are there for PRUCancer 360 on UOB TMRW?
The coverage options are S$20,000, S$50,000, and S$100,000. For other coverage options, drop us a message through the SimpleInsure product page on UOB TMRW. Our experts will contact you within 5 working days.
Can I buy multiple PRUCancer 360 policies on UOB TMRW?
Yes you can. You can purchase up to S$300,000 of coverage.
How long can PRUCancer 360 cover me for?
PRUCancer 360 can cover you up to age 100, though the last time you can renew the plan is at age 95. Since your coverage is renewed every 5 years, a person who renews at age 92 will be covered up to age 97. You can also inform Prudential if you don't wish to continue your plan at any time.
Are premium rates for PRUCancer 360 guaranteed?
Premium rates for PRUCancer 360 are not guaranteed.
Can I purchase PRUCancer 360 for my family members?
You can only get this plan for yourself on the UOB TMRW app. If you want to get it for your family members, drop us a message through the SimpleInsure product page on UOB TMRW and our experts will contact you within 5 working days.
Do I need to go for a medical check-up?
No! Just complete a simple yes/no health declaration to purchase it.
Why can't I edit my personal particulars in my application?
We pre-fill your personal particulars based on your bank records so you can skip additional verification during your application. If you need to edit them, drop us a messsage through the SimpleInsure product page on UOB TMRW and our experts will contact you within 5 working days.
Why can't I use a foreign mobile number in my application?
We need a Singapore mobile number to contact you regarding your application or plan. Once you update your number on Personal Internet Banking, give it a day before applying again.
I have changed the contact details in my application, will they be updated?
No, those changes will only affect your application and not your UOB records.
How do I pay for my policy?
You will be billed annually. The amount will be automatically deducted from your UOB current or savings account.
What are the payment options if I don’t have any UOB current or savings account?
Not right now. If you want to buy this plan with us, you have to apply for a UOB current or savings account first.
Why are my current or savings accounts not appearing during the payment process?
You might have connectivity issues with your mobile or Wi-Fi network. If that is not the case, just try again in a bit as there might be a technical issue.
How will I know if my payment is successful?
If it is successful, you'll see your policy number in your account's transaction history.
Can I submit my application if my payment is unsuccessful?
Yes, you can. Our experts will contact you within 5 working days to resolve payment.
I can't seem to proceed with my application. What's up?
One common reason could be that your bank records with us are incomplete. Drop us a message through the SimpleInsure product page on UOB TMRW and our experts will contact you within 5 working days.
Why can't I submit my application?
You might have connectivity issues with your mobile or Wi-Fi network. If that is not the case, just try again in a bit as there might be a technical issue.
How do I get help with my application?
Drop us a message throught the SimpleInsure product page on UOB TMRW and our experts will contact you within 3 to 5 working days.
Can I save my application and complete it later?
Not at the moment. We are working on it!
Where can I find my policy number on UOB TMRW?
Once you have submitted a successful application, you will see the policy number in your account's transaction history. If it is pending, the only place you can see the number on the app is the policy submission screen. If you have already submitted it, look out for an email or SMS notification within 3 working days. If you did not get it, call Prudential at 1800 333 0333.
How will I know if my application is successful?
If your application is successful, you will get an email and SMS notification within 3 business days after you submit it.
You will also be able to see your policy details at PRUaccess:
https://pruaccess.prudential.com.sg/pruaccess_sg/login.jsp
You can also contact Prudential. Be sure to give them your policy number.
How can I view my policy?
Right now, you can only view it at https://pruaccess.prudential.com.sg/pruaccess_sg/login.jsp . We are currently working to let you view it on UOB TMRW as well.
Why do I need a password to view my policy document on UOB TMRW?
That is because your policy document contains personal details that may be private to you. The password is the last 5 digits of your NRIC followed by your date of birth (DDMMMYY). For example: '1234A12JAN85'.
How do I make a claim?
Go to https://www.prudential.com.sg/services/claims/how-to-submit-a-claim or contact Prudential Customer Service at 1800 333 0333.
Securities(IPO/Bond)
Is there a minimum age to trade shares?
Yes, the minimum age is 21 years old.
What do I need to apply for an IPO?
You will need an existing CDP account. You will also need a UOB bank account, SRS account or a CPF investment account with UOB to pay for the IPO.
How do I open a CDP account online?
You must be at least 18 years old. You can open a CDP account online with your MyInfo details at the SGX website.
How do I open a UOB bank account online?
You must be at least 18 years old. You can open a UOB bank account online with your MyInfo details at this UOB website.
How do I open a CPF investment account online?
There's no minimum age. You can open a CPF investment account with UOB online with your MyInfo details at this UOB website.
How do I open a SRS account with UOB online - no SRS account with another bank?
If you don't have an existing SRS account with another bank, you can open a SRS account with UOB online with your MyInfo details at this UOB website. Please note you must be at least 18 years old.
How do I open a SRS account with UOB online - has SRS account with another bank?
If you have an existing SRS account with another bank, please do not open the SRS account with UOB online but visit any UOB bank branch to transfer your SRS account with another bank to UOB. Please note that there could be some fees involved if you already have existing investments linked to the SRS account.
What is the minimum and maximum number of units I can purchase for an IPO?
The minimum is usually 1,000 units and is displayed on the screen to guide you. However, the maximum differs for different IPO and is not displayed.
When can I apply for an IPO?
You can make your application when the IPO starts accepting applications and thereafter from 06:00 AM to 09:30 PM daily during the period the IPO is still open for application.
How many times can I apply for the IPO?
You can only make one IPO application.
I have made my IPO application. When will I know the result?
You will receive an acknowledgment sms after you have submitted your application. There will be another SMS to inform you on your application result when the IPO result is available.
Can I modify my application after it has been submitted?
No changes can be made to your submitted application.
Why can't I see my application when I click on Check applications?
It could be that your application was not successfully submitted. Kindly try again.
Can I cancel / withdraw my IPO application?
You can withdraw your submitted IPO application only when the IPO counter makes it available.
How long does it take to process my withdrawal?
After you submit your withdrawal request, you will receive an acknowledgement via sms. The money deducted will then be credited to your UOB bank account, usually on the next business day.
Buy & Sell Gold/Silver
Where can I open a Gold Savings Account (GSA)/Silver Savings Account (SSA)?
Gold Savings Accounts (GSA)/Silver Savings Accounts (SSA) can be opened at any UOB branch in Singapore from Mondays to Fridays during banking hours.
You may choose to have a passbook or receive statements of accounts in respect of your GSA or SSA.
Where can I transact gold or silver?
You can transact at any UOB branch in Singapore from Mondays to Fridays during banking hours. Our banking hours are:
For selected branches with extended hours: 09:30 AM to 06:00 PM.
For all other UOB branches: 09:30 AM to 04:30 PM
You can also transact on the Personal Internet Banking platform from Mondays to Fridays, 08:00 AM to 11:00 PM. This service is not available on Saturdays, Sundays and public holidays in Singapore.
Where can I check the prices?
You can check prices:
- at our UOB website under Rates & Fees; or
- using UOB Personal Internet Banking by clicking onto 'Widgets' on the top right hand corner.
What are some of the risks involved in purchasing gold/silver products?
Before purchasing gold/silver products, the customer should understand and acknowledge that:
- the gold and silver market is volatile;
- losses, including the loss of your principal investment, can be incurred from such an investment;
- an investment in gold or silver provides no dividend yield or interest;
- prices would have to rise sufficiently over the investment period in order to yield a profit on sale; and
- investments in gold and silver are not guaranteed by the Bank nor insured under the Deposit Insurance Scheme.
What is the minimum age to open a GSA (including CPF GSA) or a SSA?
The minimum age is 18 years old.
Is there a minimum transaction amount?
The minimum transaction amount is 5 grams of gold for GSA and 10 ounces of silver for SSA.
Must the customer maintain a minimum balance in the GSA or SSA?
The minimum balance requirement is 5 grams of gold for GSA and it is 10 ounces of silver for SSA.
What are the charges for maintaining a GSA?
Monthly service charges on the GSA are payable. The monthly service charges are charged in grams of gold. The service charge for GSA is the higher of:
- 0.12 grams of gold per month; or
- 0.25% per annum on the highest gold balance recorded in your GSA in a calendar month.
The service charges will be accrued monthly and debited from the account annually at the end of the year or upon closure of the account. For account closure, the service charges would be calculated on a pro-rata basis. GST on the service charge is applicable.
For Illustration purpose only:
- If you are holding on to 100 grams of gold throughout a year, the service charge would be the higher of: - 0.12grams x 12 = 1.44 grams; or - 0.0025 x 100grams = 0.25 grams. This means that the annual service charge for 100 grams would be 1.44 grams of gold. GST chargeable on the service charge would be 0.1008 grams.
- If you are holding on to 1,000 grams of gold throughout a year, the service charge would be the higher of: - 0.12grams x 12 = 1.44 grams; or - 0.0025 x 1,000 = 2.50 grams. This means that the annual service charge for 1,000 grams would be 2.50 grams of gold. GST chargeable on the service charge would be 0.175 grams.
What are the charges for maintaining a SSA?
Monthly service charges on the SSA are payable. The monthly service charges are charged in ounces of silver.
The service charge for SSA is the higher of:
- 0.2 ounces of silver per month; or
- 0.375% per annum on the highest silver balance recorded in your SSA in a calendar month
The service charges will be accrued monthly and debited from the account annually at the end of the year or upon closure of the account. For account closure, the service charges would be calculated on a pro-rata basis. GST on the service charge is applicable.
For Illustration purpose only:
- If you are holding on to 10 ounces of silver throughout a year, the service charge would be the higher of: - 0.2 x 12 = 2.4 ounces; or - 0.00375 x 10 = 0.0375 ounces. This means that the annual service charge for 10 ounces would be 2.4 ounces of silver. GST chargeable on the service charge would be 0.168 ounces.
- If you are holding on to 1,000 ounces of silver throughout a year, the service charge would be the higher of: - 0.2 x 12 = 2.4 ounces; or - 0.00375 x 1000 = 3.75 ounces. This means that the annual service charge for 1,000 ounces would be 3.75 ounces of silver. GST chargeable on the service charge would be 0.2625 ounces.
Do you charge GST on the sales and purchase of gold/silver through GSA/SSA?
There is no GST charged on the sale and purchase of gold and silver through GSA and SSA. However, the service charges for GSA and SSA are subject to GST and the GST is debited in grams of gold and ounces of silver from the accounts at the end of the year.
Are there additional costs in using CPF funds to purchase gold?
Yes, there is an additional charge of three cents per gram of gold (or such other amount that we may stipulate) on the amount quoted when customer buys. There is no additional charge when the customer sells the gold.
What are the payment modes from GSA and SSA, for gold and silver purchase?
You may pay in cash or authorise us to debit the amount from your UOB Singapore account.
Alternatively, you may purchase gold using CPF funds.
Is there a penalty for closing GSA or SSA?
There will be an early account closure fee of S$30.00 (subject to GST) charged if you close a UOB GSA or SSA within six months from the date you opened the GSA or SSA.
Can I exchange my gold or silver in my GSA or SSA into physical gold or silver?
The account balances cannot be exchanged for or converted to physical gold or silver or gold certificates.
What is the difference between UOB’s gold price and international gold price?
UOB gold prices are quoted in SGD while the international gold prices are quoted in USD. The UOB gold prices are based on international gold prices and will therefore be affected by the foreign exchange rates.
I am a foreigner. Can I open a GSA or SSA?
Yes, you are required to be present at the branch to open an account. New account openings are subject to the Bank’s approval. Please provide the following documents:
- identification card / original passport of account holder and work permit/student pass/other documents demonstrating your Residency status;
- proof of residential address (eg. bank statements, utility or phone bills bearing the account holder's name and address);
- banker's reference letter/letter of introduction in form and substance acceptable to the Bank may be required; and
- such other documents as the Bank may require.
Can I use my CPF funds to purchase gold?
Yes, you may use CPF funds to buy, subject to the rules of the CPF Investment Scheme, including your available gold limit.
Your gold holdings with UOB will be reflected in your CPF Investment Account monthly statement.
You are responsible for ensuring that there are sufficient funds in your CPF Investment Account to buy the gold.
If your request to use CPF funds to buy the gold is rejected or you do not have enough CPF funds to do so, you will have to pay cash for the gold. If you do not have sufficient cash to pay for the gold you will have to sell the gold to the Bank and pay for the difference in the price movement between the contracted price and the Bank’s prevailing purchase price.
Why can’t I trade gold and silver on Saturdays?
The Bank has ceased trading of GSA and SSA on Saturdays due to the closure of the market and the non-availability of gold/silver prices over the weekend.
How do I buy gold / silver on UOB Personal Internet Banking and UOB TMRW?
If you do not have a gold/silver savings account, you will first need to visit a UOB branch to open the account.
If you already have a gold/silver savings account, login to UOB Personal Internet Banking > 'Investments' > 'Gold and Silver'. Alternatively, you can login to UOB TMRW > 'Services' > 'Buy Gold/Silver'.
How do I sell gold/silver on UOB Personal Internet Banking and UOB TMRW?
Simply login to UOB Personal Internet Banking > 'Investments' > 'Gold and Silver'. Alternatively, you can login to UOB TMRW > 'Services' > 'Sell Gold/Silver'.
Can I check my balance on UOB Personal Internet Banking and UOB TMRW?
Simply login to UOB Personal Internet Banking and select > 'Account Information' > 'Account Summary'. Alternatively, you can login to UOB TMRW and select 'Accounts'.
Can I subscribe to eStatement for my GSA or SSA?
Yes, you may do so for the statement version (but not the passbook version) of the GSA or SSA account via Personal Internet Banking. Please refer to our website for more information on e-statements.