Security

  • security

    Protecting your finances is our priority.

Online and Mobile Security

Enjoy the full convenience of secure online banking transactions and peace of mind from our multi-layered security programme. Learn more about how we keep your transactions safe.

 

WHAT WE DO TO PROTECT YOU ONLINE

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Goodbye physical tokens. Hello Mighty Secure

Waiting to receive SMS OTPs and keying them in are no longer necessary. Mighty Secure, a digital token on our phone, is just as secure as it can only be registered on one device and only you will have access to your mobile device. 

Find out more
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Firewalls keep your account safe

Multiple levels of firewalls act as a barrier between the bank system and Internet to protect your account and personal information.

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128-bit SSL encryption safeguards your transactions

We protect the confidentiality of your account details and transaction data. Our 128-bit Secure Sockets Layer (SSL) encryption protects your information as you complete your online transactions.

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Unique Username and Password protects your identity

Only by using your unique Username and Password can you log on to our secure website(s) to perform your transactions.

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UniAlerts keeps you informed of your transactions

You can opt in to our UniAlerts service which provides SMS alerts for a wide range of banking transactions such as adding a new payee and online funds transfers made over a certain threshold. Click here to sign up for or manage your UniAlerts today.

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Automatic Log Out prevents information theft

You will be logged out of your Internet banking session after a period of inactivity to ensure that your account and details are not compromised.

HOW TO CONTACT US

If you suspect that your account has been compromised,

please change your password and contact us immediately by calling

6255 0160

(24 hours)

It’s safe to bank online with UOB. Enjoy the full convenience of secure online banking transactions with our multi-layered security programme. Learn more about how we keep your transactions safe.

 

WHAT WE DO TO PROTECT YOU ONLINE

Top Security Tips

When it comes to keeping your account secure, your role as an online banking user is just as important as ours. You may consider adopting these best practices to keep your account safe.


Keep your password confidential at all times
and do not divulge it to anyone.

UOB and our partners will never request for your password,
PIN or One-Time-Password (OTP) over the phone, email or SMS.
Your password, PIN and OTP are private to you – Never reveal them to anyone.
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Do not use personal information such as your telephone number, birth date or the like as your password as these will not make strong passwords.

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Change your password regularly.

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Change your password immediately if you suspect your account has been compromised.

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Always use a mobile device or computer that you trust.

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Always log out after an online banking session.

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Always clear your cache after your online banking session before moving to another website.

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Install and maintain the latest anti-virus software on your mobile device or computer.

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Use operating systems and browsers that are up to date.

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Type in the URL of UOB website directly into your browser.

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Do not key in your username, password, mobile number or OTP into suspicious websites or mobile apps.

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Check your statements regularly.

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Contact the bank immediately when you suspect your account has been compromised.

Latest Online Threats

Online threats come in various forms and are constantly evolving. With a better understanding of the latest threats, you can stay well informed on how to keep your finances safe.

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Phone scam alert

There has been an increase in scams. Please do not fall prey to these crimes. If someone claims to be from a telecom operator or network service provider asking you to transfer money to an unknown local or overseas account, call us immediately at 6255 0160 to report this suspicious activity.

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Phishing Scams Targeting Customers of Singapore Banks

There has been a recent spate of phishing scams targeting customers of Singapore banks. These phishing scams, in the form of emails that were purportedly sent by the banks, were designed to trick victims into accessing fake websites. Victims would then be asked to give their sensitive personal information such as internet banking user ID, PIN code, one-time password (OTP) and credit card details.  

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There have been reports of phone scams where individuals have received calls from telecom operator or network service provider asking them to transfer money to an unknown local or overseas account.

 

UOB would like to caution consumers to be vigilant when receiving unsolicited phone calls from an organisation requesting your bank account details.

 

UOB and our partners would never request for online banking details, such as your user ID, password, PIN or OTP over the phone, email or SMS.

 

While we have implemented additional security and monitoring measures to keep you safe, we remind customers to remain vigilant.

 

If you receive an unsolicited phone call, please call the official contact number of the organisation from which the caller claims to be before taking any further action. Fraudsters are successful when they are able to prey on unsuspecting victims who respond without performing due checks. If you are in doubt as to the legitimacy of the caller, you may seek advice from the police.

 

Customers can also call us at 6255 0160 to report any suspicious transactions.

 

We advise customers to do the following when they receive such calls:
  • Be alert. Do not share any personal information, your bank account (including user ID, password and OTP) and credit card details with anyone.
  • Be cautious. Do not follow the caller's instructions or transfer any money to recipients whom you do not know, no matter the circumstances.
  • Be prudent. Validate the caller’s request. If you have received a suspicious call, you should hang up immediately and call the organisation’s official contact number to check on the validity of the request.
  • Be safe. Inform us at 6255 0160 if you are unsure of the call you have received, or had inadvertently disclosed your personal or banking information.
  • Whenever in doubt, please call 999 immediately for police assistance.

What should you do to protect yourself from such phishing emails?

  • Do not open or download any attachments from an unsolicited email.
  • Do not click on email links or URLs within the email without verifying the sender of the email.
  • Move your mouse over the email link or URL to check the actual internet address. To do this on your mobile phone, tap and hold the link to display the actual internet address. If the actual internet address looks suspicious, do not click on it.
  • To access UOB’s website, always type the URL: www.uob.com.sg directly into the address bar of your browser.
  • If you suspect that your account may have been compromised, please inform us immediately at 1800-2222-121 or +65-6222-2121.

Example of a phishing email

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Beware of phishing claiming to be from UOB

There have been reports of people falling prey to phishing email scams recently.

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SMS scam alert

There have been reports of scams where individuals receive SMS messages offering low interest rates from the bank for personal loans or other similar “offers”. These SMS messages contain a phone contact for interested individuals to call.

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Potential victims receive phishing emails claiming to be from UOB, informing them that someone has logged into their account.

How a phishing email might work
  • Potential victims would be asked to click on a link or button such as “Stop Request Now”
  • This redirects them to a fake website for disclosure of confidential information (e.g. user ID, password, One-Time Passwords, etc).
  • Once such confidential information is disclosed, the fraudsters would then use the information to transfer money out of the victims’ bank account.

The victims would also receive SMS alerts notifying them of the successful fund transfers to unknown payees.
Here is how a phishing email could look like.
It is important to note that this email is not from UOB.

 
Tips to protect yourself from such phishing email scams:
  1. Do not click on links or buttons in such emails
    By hovering your mouse pointer over the link or button, you are able to see the actual hyperlinked internet address, which is usually a fake website’s internet address. (Where emails are read on mobile phones, pressing and holding on the link for a while would reveal the actual internet address).
  2. Do not download or open any attachment in suspicious emails
  3. Do not provide your confidential information over email or phone
    Please note that the Bank will never ask you for confidential information (such as your user ID, password, One-Time Password, etc) through email or phone.
  4. Change password and report immediately
    If you have inadvertently provided such information, immediately login to your Internet banking account to change your password. Should you suspect that your account has been compromised, please inform the Bank immediately at 1800 222 2121

If the individual calls that number, the perpetrator will attempt to get him or her to disclose confidential information such as bank account numbers, internet banking usernames, passwords and One Time Passwords (OTPs), which will then be used to initiate a funds transfer out of the individual’s bank account.

 

We advise customers to do the following when they receive such SMS messages:
  • Be alert. Do not provide any personal information, bank account information (including user ID, password and OTP) and credit card details on websites or with the callers.
  • Be safe. Do not transfer any money.
  • Inform the bank. If you are unsure of the call you have received, or have inadvertently disclosed your personal or bank information, please call the bank immediately at 1800 222 2121.
  • If in doubt, please also call 999 for police assistance.
For more information on such scams, please visit: http://www.scamalert.sg/types-of-scams/impersonation-scam
 
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Security Alert: Malware "Dyreza"

A malware, Dyreza has been recently found spreading which may affect the legitimacy of banking websites.

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Security Alert: Vulnerability in Secured Sockets Layer 3.0 (SSL 3.0)

A vulnerability known as “POODLE” has recently been discovered on SSL 3.0 used by older versions of web browsers such as Internet Explorer 6.

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This malware is spread through phishing emails with malicious attachment. When the said malicious attachment is opened, the malware infects the customers' computers or devices.

 

Once customers' computers or devices are infected, the malware will attempt to steal the customers' login and authorisation credentials (such as User ID, Password, One Time Password) by altering the flow of logging on to the UOB website.

 

After the first login page, it will show a message "We are currently processing your information, please wait...." which does not exist in the legitimate UOB website.

 

Symptoms that your computer could possibly be infected with Malware

  • Prompt to input your login credential multiple times even if your supplied information is correct.
  • Sudden slowness in your computer and/or requests you to wait while the system is processing for an extended time.
  • Unusual logon/authorisation procedures and/or re-direct to the unfamiliar website.

How can I protect against Malware?

  • Always protect your computer by using an anti-virus/anti-malware software and keep it updated with the latest anti-virus. Scan your computers regularly.
  • Do not download or open attachments in suspicious emails.
  • Never reply to unsolicited emails.
  • Avoid accessing unknown and unsecured websites.
  • If you suspect that your computer has been infected by malware, please scan your computer with latest anti-virus/anti-malware software and refrain from using banking websites until your computer is cleaned.
  • Check your last login and transaction history regularly for any abnormal transactions.

UOB would like to assure you that our internet banking systems are secure. Please contact UOB helpline immediately, if you notice unknown transactions appearing on your account.

In view of this vulnerability, we will not be supporting older versions of web browsers as of 21/11/2014.

 

We recommend customers to download and install the latest versions of your web browsers to ensure optimal user experience.

 

UOB would like to encourage our customers to take the following steps to safeguard your passwords for a safe and secure online banking experience.

 

  • Use a username and password for your online banking account(s) that is different from other non-banking related accounts.
  • Select a password that is at least eight characters long, contains alphanumeric characters and does not have any repeated characters.
  • Change your passwords regularly, at least once every three months.
    Disable the “Auto Complete” function on your web browser to avoid theft of information.
  • Do not disclose your username or password to anyone.

If you encounter any suspicious activities in relation to your account(s), please contact us at 1800 222 2121.
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Security Alert: OpenSSL Bug (HeartBleed)

A bug has recently been discovered in OpenSSL, a software that protects sensitive data online.

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Please be assured that UOB's Internet and Mobile Banking systems are not affected by the OpenSSL bug.

 

UOB would like to use this opportunity to encourage our customers to adopt the following best practices to safeguard their passwords for a safe and secure online banking experience. Customers should:

  1. Use a different username and password for their online banking accounts from other non-banking related accounts.
  2. Select a password that is at least eight characters long, contains alphanumeric characters and does not repeat any character.
  3. Change their passwords regularly, at least once every three months.
  4. Not reveal their account username or password to anyone.
  5. Disable the “Auto Complete” function on the browser to avoid theft of information.

If you encounter any suspicious activities in relation to your account(s), please contact us at 1800 222 2121.

UniAlerts

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Convenient Updates

Bank with peace of mind and stay informed on selected day-to-day banking and credit/debit card transactions with SMS or email alerts. For greater flexibility, you can even customise the service by resetting the alerts trigger amount to suit your lifestyle.

 

 

 

TYPES OF UNIALERTS

  • Local ATM Cash Withdrawal

Cardholders with UOB ATM Cards, UOB Debit Cards and UOB Credit Cards linked to their Current/Savings accounts will receive an SMS alert when a local ATM cash withdrawal at or above a default threshold amount is made.

 

  • Overseas ATM Cash Withdrawal

Cardholders with UOB ATM Cards, UOB Debit Cards and UOB Credit Cards linked to their Current/Savings accounts will receive an SMS alert when an overseas ATM cash withdrawal at or above a default threshold amount is made.

 

  • Funds Transfer to OCBC Accounts at UOB ATMs

Alerts you when a funds transfer transaction at or above your default threshold amount is made from your account to an OCBC account at an UOB ATM.

 

  • NETS Transactions

Alerts you when a NETS payment at or above your default threshold amount has been debited from your account.

 

  • Cheque Payment & Encashment

Alerts you when any cheque payment and encashment at or above your default threshold amount.Local ATM Cash Withdrawal.

Cardholders with UOB ATM Cards, UOB Debit Cards and UOB Credit Cards linked to their Current/Savings accounts will receive an SMS alert when a local ATM cash withdrawal at or above a default threshold amount is made.

 

  • Bill Payment

Alerts you when a bill payment at or above your default threshold amount is made from your account.

 

  • Funds Transfer

Alerts you when a funds transfer transaction at or above your default threshold amount is made from your account.

 

  • Cashier's Orders, Demand Drafts and Telegraphic Transfers

Alerts you when online transactions for Cashier’s Orders, Demand Drafts and Telegraphic Transfers at or above your default threshold amount are made from your account.

 

  • eNets

Alerts you when an eNets transaction at or above your default threshold amount is made from your account.

 

  • Mobile Cash Transactions

Alerts you when a Mobile Cash transaction is sent from your account and notifies you when your Mobile Cash recipient receives the Cash.

 

  • GIRO Application & Standing Instruction

Alerts you when your GIRO application is approved. You’ll also receive alerts 3 working days before an upcoming GIRO Standing Instruction payment is due from your account.

 

  • Securities Application Status

Alerts you on the status of your IPO and Unit Trust applications made through UOB Personal Internet Banking.

  • Transactions above default threshold

Alerts you when a transaction* charged to your UOB Credit/Debit Card is at or above the default threshold amount set by UOB.

*Applicable to credit/debit card purchases and credit card cash advance transactions.

 

  • Scheduled Cash Transfers (via Internet Banking)

Alerts you 3 working days before a scheduled Cash Advance transfer is made via UOB Personal Internet Banking.

 

  • Credit Card Bill Payment

Alerts you when your UOB Credit Card bill payment has been received by the bank.

 

  • Credit Card Payment Reminder

Alerts you 7 working days before the due date of your UOB Credit Card payment.

 

  • Low Available Credit Limit

Alerts you when your total available credit is low.

 

All customers are automatically subscribed to UniAlerts for ATM Cash Withdrawals locally and overseas. To subscribe to all other UniAlerts, please log in to UOB Personal Internet Banking (PIB) and click on Account Services > Manage Alerts.

Here's how you can change your UniAlerts default threshold amounts:

  • For UOB PIB customers, simply login to UOB Personal Internet Banking in 2FA (SMS or Token-OTP) mode, click on Account Services > Manage Alerts.
  • For non-PIB customers, you can click here to apply for PIB access and change your default threshold amounts through Account Services > Manage Alerts. Or complete this form to change your default threshold amounts for ATM & Other Banking Services and submit it at any UOB branch.
  • To update your registered mobile phone number with us, please complete this form and submit it at any UOB branch.

Read our Frequently Asked Questions (FAQ) for more information.