How UOB protects you

How UOB protects you

Enjoy convenience and confidence with UOB online banking, thanks to our multi-layered security approach. Learn more about how we keep your transactions safe.

UOB Security Measures

Please ensure that you have the latest version of UOB TMRW app to get updates.

Watch this video to learn more on our latest measures.
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Enhanced Security with a 12-Hour Cooling Period for Contact Details Updates
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Digital Banking

Enhanced Security with a 12-Hour Cooling Period for Contact Details Updates

From 3 July 2026, a 12-hour cooling period* will be progressively introduced when you update your contact details (such as your mobile number, mailing address, or email address) via UOB TMRW or Personal Internet Banking. The enhancement is part of our ongoing efforts to strengthen security and better safeguard your banking transactions.

As part of this enhancement, contact details updates via Personal Internet Banking will be temporarily unavailable from 27 June 2026 until further notice. During this period, you may continue to update your contact details through UOB TMRW.

How to Update Your Contact Details via UOB TMRW

  1.  Log in to the UOB TMRW app.
  2. Navigate to: 
    • Services > Contact Details (for Email Address or Mobile Number updates), or
    • Services > Address Details (for Mailing Address updates).
  3. For Email Address or Mobile Number updates, enter the 6-digit verification code sent to your new email address or mobile number.
  4. Enter your Digital Token code to complete the update.

For full step-by-step guide, click here.

*During the 12-hour cooling period, certain banking services or transactions may be restricted for security purposes.

This is in addition to the 12-hour cooling period for the activation of your new digital token, transfer limit increase and add transfer payee.

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    Digital Banking

    PayNow nickname feature to be discontinued from 6 June 2026

    Effective from 6 June 2026, the PayNow nickname feature will be discontinued as part of the latest industry move to help curb impersonation scams. It will be automatically replaced with your registered account name, with only selected letters displayed, to help safeguard customer privacy.

      Secure Call Authentication
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      General Banking

      Secure Call Authentication

      With impersonation scams on the rise, it can sometimes be difficult to tell whether a call is genuinely from UOB.

      To give you greater peace of mind, Secure Call Authentication allows you to authenticate scam and fraud prevention calls made by UOB representatives directly through your UOB TMRW from 18 May 2026 - so you know the call is truly from UOB.

      To use this feature, please ensure that you have enabled your digital token in UOB TMRW, which will be used to authenticate the call securely.

      How does this work?

      Step 1 –If you’ve received a call on scam and fraud prevention from a UOB representative, he/she will trigger an authentication request to you via Push notification on UOB TMRW.
      Step 2 –‘Approve’ or ‘Reject’ the request. To approve, proceed to enter your digital token code.
      Step 3 –Once you have approved the request and completed the authentication, return to the call with our UOB representative.

        Enhanced real-time fraud surveillance to safeguard your transactions
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        Digital Banking

        Enhanced real-time fraud surveillance to safeguard your transactions

        To better safeguard your accounts against fast‑evolving scams, UOB has enhanced our real‑time fraud detection measures as required under the Monetary Authority of Singapore’s (MAS) and Infocomm Media Development Authority’s (IMDA) Guidelines on Shared Responsibility Framework (SRF).

        Transactions* may be held for at least 24 hours. This safeguard gives you extra time to review or cancel a transaction if unauthorised.

        If you are unsure about a held transaction, you can cancel it before the funds are processed.

        • For UOB TMRW, go to the Accounts tab > select relevant account > ‘On Hold’ transaction > Cancel
        • For Personal Internet Banking, select the relevant account > Accounts Summary > Transactions On Hold > select the transaction > Actions > Cancel

        If you suspect fraud, call our 24/7 Fraud Hotline at 6255 0160 and press “1” to report a case.

        For assistance on held transactions, please call us at 6355 1122.

        For more information on the SRF, please refer to the MAS website.

        *This excludes recurring standing instructions, recurring GIRO/ eGIRO deductions, bill payments to billing organizations maintained by the Bank, debit card transactions, and intrabank transfers to your other account(s) within the Bank.

          Secure banking with instant notifications
          enjoy_secure_banking_with_instant_notifications
          Digital Banking

          Enjoy secure banking with instant notifications

          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.
          The threshold for transaction alerts will also be set to the bank’s default settings for these impacted transactions

          To ensure your transaction notifications are not disrupted, please enable push notifications in your phone settings and update your email address today.

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            Digital Banking

            Access to UOB TMRW app will be restricted if USB/Wireless debugging is enabled on your Android device

            To protect your exposure to scams, access to the UOB TMRW app will be restricted once we detect USB/Wireless debugging is enabled on your device, as it might be used by fraudsters to enable remote screen viewing and execute unauthorised transactions.

              Compare accounts

              Kill Switch (Disable digital access and block your cards)

              Kill Switch
              (Disable digital access and block your cards)

              This will disable your digital access to Personal Internet Banking, UOB TMRW app and block all your UOB Debit/Credit cards instantly. Note that Kill Switch does not suspend these services. Learn more.

              2 ways to do so:

              • Call our 24-hour Fraud Hotline at 6255 0160  › Press 4 to activate Kill Switch Learn how
              • Call General Hotline at 1800 222 2121, press 1 (for English) or 2 (for Chinese) > press 1 > press 2

              Upon activating our self-service "kill switch" feature, you will receive two SMS notifications confirming the activation of the Kill Switch, which disables your digital access and blocks all your UOB Debit/Credit cards.

              Any active digital login session will be terminated.

              To re-activate your digital access, please call our General Hotline at 1800 222 2121 or visit your nearest UOB branch for assistance.If you wish to re-enable all your UOB Debit/Credit cards, please unlock them via the UOB TMRW app, or call our General Hotline at 1800 222 2121, or visit your nearest UOB branch for assistance.


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              Things you should know

              Our security best practices and policies
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              • UOB Group Internet Banking Privacy Practices

                • The United Overseas Bank Group (UOB Group) is committed to maintaining best Privacy Practices to create, as far as possible, a secure Internet banking environment for our customers. We encourage our customers to similarly observe best practices that are within their control.

                  Our best practices include:

                  1. Collection Of Customer Information
                    We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us. We will use any information collected as minimally as possible, mainly to assist us in customising and delivering services and products that are of interest to our customers. Under no circumstances will we ask customers to reveal their Personal Identification Numbers (PINs) or Passwords.

                  2. Handling Of Customer Information
                    We have established strict confidentiality standards for safeguarding information on our customers.

                  3. Disclosure Of Customer Information
                    Unless we have the customer's agreement or are required by law, we will not disclose customer information to external parties.

                  4. Compliance By External Parties
                    External parties who, in the course of providing support services to us, may come into contact with customer information, are required to observe our privacy standards.

              • UOB Group Internet Security Technology

                • We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions.

                  We employ several different methods to protect customers' account and personal information:

                  1. Firewalls
                    We have multiple levels of firewalls in place between our internal computer systems and the Internet.

                  2. Encryption
                    Strong encryption protects customer information as it travels over the Internet. We use the 128-bit Secure Sockets Layer (SSL) encryption to protect the confidentiality of customers' account details and transaction data. This 128-bit SSL encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Singapore and financial institutions worldwide.

                  3. Username and Password
                    Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorised users only are admitted into our secure site(s).

                  4. Technology Devices
                    UOB may, from time to time, issue Devices and/or establish security procedures that you may need to execute in order to use certain UOB Internet Banking services related to the Devices.

                    You may use the Devices (whether or not in conjunction with the Username and/or Password or otherwise):
                    • To initiate, effect, perform and/or dispatch any instruction or any communication to UOB;
                    • To obtain or utilise any service that may be offered or made available by UOB through the Website or UOB Internet Banking service;
                    • To access and obtain information as may be permitted by UOB (whether relating to your Account(s), service or otherwise); and
                    • To effect any transaction with UOB which may be made available by UOB, subject to the terms of this Agreement and to other restrictions, limitations, terms and conditions of UOB then applicable


                  5. Automatic Log Out
                    As an additional security measure, our system may log you out of your Internet banking session after a period of inactivity

                  We are committed to monitoring our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to exploring new technology continually to enhance our Internet security system.



              • List of Official UOB Group Website Addresses
              • Customer Choices in the Event of Unavailability of the UOB Group Internet Banking/Transaction Website(s)
              • E-Payments: User Protection Guidelines and FAQs

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