10% cashback when you use UOB TMRW overseas. Find out more
Overseas QR payments
Shop and pay cash-free when you travel
Now, you can enjoy more convenience and safety on your trips to Indonesia, Malaysia and Thailand. Simply look out for the participating QR logos (QRIS for Indonesia, PromptPay for Thailand and DuitNow for Malaysia) at the merchants in their respective countries and use UOB TMRW to pay for your shopping and services.
What’s more, you get to enjoy zero transaction fees.
Benefits
Here are the benefits you’ll enjoy:
Zero transaction fees
Perform cross-border payments in participating countries with no transaction or admin fees
Convenience
Skip the queue! Save yourself the time and hassle of having to exchange currency before your trip to any of the participating countries
Cashless and safe
Just use Scan to pay on the app at the participating merchants in the participating countries
Track your spending
Keep up-to-date on all your foreign transactions with the UOB TMRW app
How to make an overseas QR payment
Step-by-step guide on how it works:
Step 1
Login to UOB TMRW and tap "Scan to pay".
Step 2
Scan the QR code or upload from device.
Step 3
The merchant details will be populated. Fill in the value of the item in the local currency. An indicative exchange rate will be displayed. Click “Next” to proceed.
Step 4
Review and confirm the payment details. The equivalent amount in SGD will be shown here. Slide ‘Confirm’ to confirm the payment.
Step 5
Payment is successful. Click ‘Share’ to generate an image of your successful payment, so that you can save or share it as an image with the merchant.
Step 1
Login to UOB TMRW and tap "Scan to pay".
Step 2
Scan the QR code or upload from device.
Step 3
The merchant details will be populated. Fill in the value of the item in the local currency. An indicative exchange rate will be displayed. Click “Next” to proceed.
Step 4
Review and confirm the payment details. The equivalent amount in SGD will be shown here. Slide ‘Confirm’ to confirm the payment.
Step 5
Payment is successful. Click ‘Share’ to generate an image of your successful payment, so that you can save or share it as an image with the merchant.
Countries available
Overseas QR payment is available in the following countries:
Indonesia
Malaysia
Thailand
Indonesia
Malaysia
Thailand
Overseas funds transfer
Need to transfer funds to family and friends living abroad? Do it instantly on your phone with UOB TMRW.
Going on a holiday? Skip the money changer and pay with UOB TMRW
Get 10% cashback when you Scan to pay overseas
Simply register and make a min. of six (6) Scan to pay QR payments using UOB TMRW in Malaysia (via DuitNow), Thailand (via PromptPay) and Indonesia (via QRIS) on your purchases at over 40 million touchpoints. No fuss, no fees!
Here’s how you can get 10% cashback:
- Step 1: Register your participation here
- Step 2: Make a min. of six (6) Scan to pay QR payments with UOB TMRW in Malaysia, Thailand and Indonesia between 28 May and 31 July 2025.
Here are some brands you can Scan to pay at:
- Malaysia: KSL City Mall, Oriental Kopi, Pop Mart and more
- Thailand: Big C Supercenter, Central World, Starbucks and more
- Indonesia: Bluebird, Kopi Kenangan, Toko Kopi Tuku, Uniqlo and more
T&Cs apply. Valid till 31 July 2025. Capped at S$2 per transaction and up to S$20 cashback per customer.
Frequently asked questions
Is the 10% cashback earned only applicable on the 7th overseas Scan to pay transaction?
No, it applies to all overseas Scan to pay transactions you’ve made on UOB TMRW so long as you’ve registered and completed a minimum of 6 of them.
Will the cashback be credited in the foreign currency of the overseas transaction(s) I made?
No, it will be in SGD and according to the amount you see deducted from your chosen account that was used to make the overseas transaction.
Do I need to notify the Bank once I meet the requirements?
No further action is required from you. Once we’re able to successfully verify your transaction(s), the UOB account(s) from which you made the overseas transaction(s) will be credited.
Are cross-border peer-to-peer transfers included in this campaign?
No, they are not part of the scope. Only peer-to-merchant transactions via UOB TMRW Scan to pay are.
What is overseas QR Payment?
It is a service that allows UOB TMRW app customers to conveniently scan the respective QR code in participating countries (i.e. Indonesia, Malaysia and Thailand) to allow instant, secure and seamless payment to merchants when overseas.
Are there any fees payable to use the overseas QR Payment?
No fee is applicable for this service besides the foreign conversion charges.
Is there a transaction limit with overseas QR Payment?
There is a separate daily maximum limit of SGD 1,000 for each participating country. The daily remaining limit will be displayed on the app when a payment is initiated.
For overseas QR payment to Indonesia and Thailand, there is a minimum amount of IDR 1,000 and THB 100 respectively.
How do I know which are the merchants in Indonesia that will accept overseas QR Payment?
Please look out for the QR code with the QRIS acceptance mark on display at the merchant store front.
How do I know which are the merchants in Malaysia that will accept overseas QR Payment?
Please look out for the QR code with the DuitNow acceptance mark on display at the merchant store front with any of the 8 participating partners' logos.
How do I know which are the merchants in Thailand that will accept overseas QR Payment?
Please look out for the QR code with the PromptPay acceptance mark on display at the merchant store front with any or the 5 supporting partners (i.e. Bangkok Bank, Bank of Ayudhya, Kasikorn Bank, Krungthai Bank and Siam Commercial Bank).
I received an error message “This QR code is not supported.” while scanning the QR code.
This means the QR code is invalid or not supported by a participating partner. Please make sure you are scanning the right QR code acceptance mark.
We're here to help
Have a question?
Contact us
Locate us
Make TMRW yours, download now!
We use cookies to improve and customise your browsing experience. You are deemed to have consented to our cookies policy if you continue browsing our site.
