Overseas funds transfer
Send money overseas to family and friends instantly
All you’ll need are UOB TMRW and your recipient’s phone number to send money instantly and securely to loved ones in Malaysia (with DuitNow) or Thailand (with PromptPay). No fuss, no fees.
Benefits
Here are the benefits you’ll enjoy:
Zero transaction fees
Perform cross-border funds transfer in participating countries with no transaction or admin fees
Instant
Send and receive funds instantly between participating banks in participating countries
Secure
Strong security measures for all transactions
Convenience
Transact using the app on your phone, anytime, anywhere!
How to make an overseas funds transfer
Step-by-step guide on how to make an overseas funds transfer on UOB TMRW app
Step 1
Login to UOB TMRW app and tap "PAY/TRANSFER".
Step 2
Select the overseas transfer required.
Step 3
Enter recipient's mobile number with the respective country code or select their name from your address book. Tap "Next".
Step 4
Enter the amount in the selected country's currency. You can transfer up to S$1,000 for each participating country daily.
Note: Minimum transfer is 100THB for PromptPay and MYR10 for DuitNow.
Step 5
Review the details and swipe right to confirm. (The above service fees is for illustration purpose and is currently waived)
Step 6
Transfer complete! Tap on "Share" to send an image of the transaction via your preferred social messaging app.
Step 1
Login to UOB TMRW app and tap "PAY/TRANSFER".
Step 2
Select the overseas transfer required.
Step 3
Enter recipient's mobile number with the respective country code or select their name from your address book. Tap "Next".
Step 4
Enter the amount in the selected country's currency. You can transfer up to S$1,000 for each participating country daily.
Note: Minimum transfer is 100THB for PromptPay and MYR10 for DuitNow.
Step 5
Review the details and swipe right to confirm. (The above service fees is for illustration purpose and is currently waived)
Step 6
Transfer complete! Tap on "Share" to send an image of the transaction via your preferred social messaging app.
Countries available
Overseas fund transfer is now available in the following countries:
Malaysia(NEW)
Thailand
Malaysia(NEW)
Thailand
Overseas QR payment
Use UOB TMRW to scan a participating QR code and pay with your phone when you shop overseas, just like you do at home!
Frequently asked questions
What is an overseas funds transfer?
Through cross-border gateways built and operated by Singapore and participating countries (i.e. Malaysia and Thailand), these linkages enable our customers to transfer funds quickly and securely between Singapore and the participating countries. Customers simply need to only key in the recipient’s mobile phone number, mirroring a domestic PayNow transfer. The transfer is real-time and recipient will receive the funds near instantly.
Are there any fees payable to use the overseas funds transfer service?
Charges are currently waived for customers.
Is there a transaction limit with the overseas funds transfer service?
There is a separate daily maximum limit of SGD 1,000 for each participating country. The minimum transaction amount is MYR 10 and THB 100. The daily remaining transfer limit will be displayed on the app when a payment is initiated.
Is a country code required for overseas funds transfer service?
Yes. Please request for your recipient’s local registered mobile number for the Cross-border Instant Transfer with the respective country code.
How do I know if my recipient can accept the overseas funds transfer?
The Cross-border Instant Transfer is only applicable to participating banks from the respective participating countries. Recipient must have registered with one of the banks that participated in the Cross-border Funds Transfer service. Please refer below for more information:
- Malaysia (DuitNow) - There are currently 4 participating banks and they are CIMB Bank Berhad, Hong Leong Bank BerhadNEW!, Maybank Berhad and TNG Digital Sdn Bhd (receipt of funds will be enabled at a later date).
More Singapore PayNow members and Malaysia DuitNow members may be onboarded to offer this service to their customers in the future. - Thailand (PromptPay) - There are currently 5 participating banks and they are Bangkok Bank, Bank of Ayudhya, Kasikorn Bank, Krungthai Bank and Siam Commercial Bank.
What is the error message if the recipient's mobile number is invalid? What if the recipient insists the mobile number is correct?
A pop-up on the app will appear with the message “Unable to pay or transfer”. Please make sure the recipient has registered the mobile number with one of the supported partners.
Can I also receive funds into my UOB account in Singapore from my counterparts of the participating countries?
Yes, you can. Simply ensure you are registered for PayNow via the mobile number on any of your UOB current or savings account.
Can I make an overseas funds transfer using the recipient's National ID number?
The Cross-border Fund Transfers service is only applicable for transfers via the mobile number.
Will I receive a notification on the overseas funds transfer transaction I have made?
Depending on your alerts setting, you will receive notification via Push Notification to your UOB TMRW app and email alerts for all incoming and outgoing Cross-border Funds Transfer transactions.
Note that from April 2025, the existing SMS alerts will be progressively changed to push notifications via UOB TMRW and email alerts for impacted digital, banking and card transactions. Click here for details.
To update your alerts setting for your transactions, please log in to UOB TMRW app > Services > Notification settings or UOB Personal Internet Banking > Account Services > Manage Notifications.
How is the foreign exchange rate determined?
You will be able to view the applicable foreign exchange rates prior to the transfer. The foreign exchange rates are closely benchmarked to prevailing market rates, converted to US Dollar before being converted to Singapore Dollar.
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