Security

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    Protect yourself from scams

Scam Alert

There has been an increase in SMS phishing scams misleading you to provide your particulars via clickable links. Be wary of such requests asking for your personal details and do not click on any SMSes with clickable links as these are not legitimate. Call our dedicated hotline at 6255 0160 (24-hour) if you have fallen victim to a scam. You can also subscribe to our UOB Facebook page for the latest updates and advice on scams.

 

phone icon

Suspect your account has been compromised?

Disable your digital access instantly with our emergency self-service “kill switch” feature.
3 ways to do so:

  • Call General Hotline at 1800 222 2121,
    press 1 (for English) or 2 (for Chinese) › press 1 › press 2
  • Call our 24-hour Fraud Hotline at 6255 0160 › press 2
  • Make a report at our nearest UOB branch

Once the digital access is disabled, customer will receive SMS notification and any active login session will be logged out.

 

Additional measures to protect you from scams

Your online banking security remains our top priority, and we are committed to protecting you from phishing scams. You can call our dedicated 24/7 Fraud Hotline at 6255 0160 to assist you with potential fraud cases on a priority basis.

Additionally, we have implemented extra security measures to safeguard your online banking experience. They include:

 

Revision of funds transfer limit
COMING SOON

Revision of funds transfer limit
COMING SOON

 

For improved security to protect your exposure to any possible scams, we will be revising the funds transfer limit. This will apply to fund transfers to other UOB accounts, other bank accounts, and eNETs. Please click here for details.

 

 

Removal of clickable phone numbers in bank-sent emails and SMSes
COMING SOON

Removal of clickable phone numbers in bank-sent emails and SMSes
COMING SOON

 

By August 2022, we will remove all clickable phone numbers in our emails and SMSes to you as our additional measure to protect you from scammers. Any SMS or email claiming to be from UOB that contains a link in the phone number will likely be a scammer. Do not click.

 

 

12-hour cooling period for Contact details update
COMING SOON

12-hour cooling period for Contact details update
COMING SOON

 

To slow down malicious activity, a cooling period will kick in before your contact details are effected. You will be notified by the bank via SMS upon receiving your request and again when changes are updated. No one should be able to change your contact details without your knowledge.

 

 

Kill Switch (Disabling of internet and mobile banking access)

Kill Switch (Disabling of internet and mobile banking access)
 

 

Suspect that your account has been compromised? You can instantly disable your digital access. Please click here for details.

 

 

Additional transaction signing required for transfers above $5,000 to new payees

 

This measure caps the amount that a scammer may pilfer without phishing for your transaction signing code.

 

 

12-hour cooling period on fund transfers to all new payees

12-hour cooling period transfers to all new payees
 
 
 

 

This measure prevents scammers from adding new payees and performing funds transfers immediately. You will be notified via SMS when adding new payees.

 

 

12-hour cooling period on activation of new Digital Token

12-hour cooling period on activation of new Digital Token
 
 
 

 

If you are alerted to an unauthorised token activation, please call our Fraud Hotline immediately.

 

 

Default limit for funds transfers is now S$5,000

Default limit for funds transfers is now S$5,000
 
 
 

 

Limit is customisable via UOB Personal Internet Banking or the UOB TMRW app.

 

 

Removal of all clickable links in our SMSes and emails

Removal of all clickable links in our SMSes and emails
 
 

 

Any SMS claiming to be from UOB that contains a link will likely be a scammer. Do not click.

 

 

Anti scam reminder upon logging into UOB Personal Internet Banking and UOB TMRW app

 

To ensure you are up to date on our latest security measures, please acknowledge the message.

 

 

Default transaction notification set at S$100

Default transaction notification set at S$100
 
 

 

You may still customise your transaction notification threshold via UOB Personal Internet Banking.

 

 

Receive 'New Device Login' alerts

Receive 'New Device Login' alerts
 
 
 

 

Alerts are sent via email when signing in from a different device or browser for the first time. If you detect any unauthorised logins, please contact the Fraud Hotline immediately.

 

 

New feature

One-time funds transfer limit will be increased to S$20,000^COMING SOON

Transfers above S$1,000 require an additional transaction signing. Amounts above S$20,000 require registration as a payee.

This includes PayNow and Scan to Pay transactions

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.

Smishing Scam

If you receive an SMS prompting you to activate your bank account through a link, stay vigilant. This is one way scammers are trying to obtain your personal information by impersonating a bank or an organisation.

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E-wallet Phishing Scam

These scams usually involve the customer receiving either a voice or video call from an unknown number where the caller may impersonate a government official or police officer by dressing up like one. On the call, they may request for the victim’s personal information and subsequently use this information to create e-wallet accounts under the victim’s name and top-up the account through the victim’s bank account. The victim will only realise that they have been scammed after they notice unauthorised transactions on the account.

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What can you do to protect yourself?

 

#BeCyberSavvy and keep in mind these security tips:

 

  1. Do not click on suspicious URL links or call any phone numbers provided in unsolicited SMSes and emails. Banks will not send you SMSes and emails containing clickable links.
  2. If in doubt, verify the authenticity of the information with the official website or sources.
  3. Never disclose your personal or internet banking details and one-time password (OTP) to anyone.
  4. Never grant remote access of your computer to anyone.

 

If you spot a phishing SMS or suspect that you might have been scammed, please call our dedicated 24/7 Fraud Hotline at 6255 0160 and we will assist you on a priority basis.

What can you do to protect yourself?

  • No foreign law enforcement or authority can investigate offences here in Singapore.
  • No public authority can require you to open bank account or request for you to include digital banking to your account.
  • Never reveal your bank account numbers, one-time passwords (OTPs) or 3-digit credit card security code. No government officials or those who are involved in the contact tracing exercise will ask for such banking information or require remote access to your computer.
  • Never grant remote access of your computer to anyone.
  • Never download any application or software directed by the caller.
  • Never login into any website directed by the caller.
  • If you receive such calls asking for banking information such as OTPs, you should hang up and call UOB or the police immediately.
  • Visit scamalert.sg or call Anti-Scam Centre at 1800 722 6688 for more information on scams.

Impersonation Scams by Local and China Officials

Phone impersonation scams involve claims that the scammers are local and/or foreign government officials or police officers or individuals who are professionals such as recruiters. Victims are accused of being involved in crime and are persuaded to divulge confidential information on fraudulent websites. The scammers will transfer funds out from the victims’ accounts once they have received them.

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'Fake Friends' Scams

This is a variant of the typical Impersonation Scams. With these 'Fake Friends' scams, victims receive unsolicited calls from scammers who do not identify themselves but instead ask victims to guess their identity. The scammers then assume the identity of whoever the victims have guessed and make small talk. A follow-up call will then be made to the victims within the next couple of days, and scammers will thereafter make up excuses to ask for urgent loans from the victims, citing emergencies or urgent needs. Once victims make the transfer, the scammers will stop contacting them.

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What can you do to protect yourself?

  • No foreign law enforcement or authority can investigate offences here in Singapore.
  • No public authority can require you to open bank account or request for you to include digital banking to your account.
  • Never reveal your bank account numbers, one-time passwords (OTPs) or 3-digit credit card security code. No government officials or those who are involved in the contact tracing exercise will ask for such banking information or require remote access to your computer.
  • Never grant remote access of your computer to anyone.
  • Never download any application or software directed by the caller.
  • Never login into any website directed by the caller.
  • If you receive such calls asking for banking information such as OTPs, you should hang up and call UOB or the police immediately.
  • Visit scamalert.sg or call Anti-Scam Centre at 1800 722 6688 for more information on scams.

What can you do to protect yourself?

  • Avoid answering calls from unknown numbers. When this is not possible, ascertain the identity of the person calling. You may do so by asking specific questions that only you and the purported person know (for example, how you met, who your mutual friends are and when the last time you met was);
  • Verify the call by contacting the actual person whom the scammer claimed to be. You should use known contact details of that person after the unsolicited call to verify if he/she indeed made the call.
  • If funds were transferred, quickly report this to the Police and the Bank.
  • Do not divulge personal and banking information to anyone.

Smishing Scams (Fixed Deposit Promotions)

Received SMS messages on Fixed Deposit promotions that might seem too good to be true? Think twice! Stay vigilant and look out for the tell-tale signs of a smishing scam.


"Smishing" is a common scam attack that involves text messages impersonating a bank or an organisation. These scammers will try different means to capture your attention and acquire your personal information. Some will even go to the extent of spoofing the sender’s name, phone number or both to trick you. For example, a recent scam involves SMS messages sent from the sender name “TMRW” and “UOBTRMW”, which resembles the UOB TMRW app name, informing recipients about unusual activity in their accounts. That link will lead you to a scam website.


Remember, UOB does not send SMSes with clickable links.

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Loan Scams

Scammers send messages via SMS, WhatsApp, Facebook and other social media platforms offering loans services, claiming to be licensed moneylenders. Victims are instructed to transfer money as a deposit before the loan can be disbursed. After making the transfer, the scammers will no longer be contactable.

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What can you do to protect yourself?

  • UOB will never send you an SMS message that requires you to call a phone number to get details for a promotion. Stay vigilant and do not call the number stated on the SMS.
  • Do not click on dubious links and always examine the links when presented in an email or SMS.
  • Hover over links to check the destination of the URL. Check for any typos or misspelt words in the URL. When verifying links using mobile phones, press and hold the link to display the actual URL.
  • Always visit the legitimate website bookmarked in your browser or found via a Google search.
  • Ensure that you do not overlook the spelling mistakes when inspecting the website URL.
  • UOB will never send an SMS to inform customers about account closures or being locked out of their account, or to reactivate accounts.
  • Do not share banking login credentials or OTP on suspicious SMS.
  • If you are in doubt about the authenticity of any SMS messages you have received, please contact UOB at 6255 0160 or Anti-Scam Centre at 1800 722 6688.
  • Do not transfer funds to any account directed by anyone who claims to be the Bank’s staff.

Example of a Loan Scam SMS:

 

 

What can you do to protect yourself?

  • Do ignore these spoofed loan advertisements and messages. Please block and report the number as spam on WhatsApp or through third-party applications.
  • Only engage the services of licensed moneylenders listed on the Ministry of Law's Registry of Moneylenders website . It is illegal for licensed moneylenders to advertise via SMS or WhatsApp.
  • Never reveal your personal information like NRIC or contact numbers, SingPass, bank details and account numbers.
  • Do seek financial help from authorised financial institutions if necessary.
  • Visit scamalert.sg or call Anti-Scam Centre at 1800 722 6688 for more information on scams.

Online Purchase Scams

These scams involve seemingly attractive online shopping deals, listed by scammers pretending to be legitimate vendors on e-commerce platforms. The scammers often offer discounts if a buyer pays through a direct bank transfer, rather than the official platform. The buyer does not receive the purchased item after the payment is made.

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Job-related Scams

Job openings are often posted to lure hopeful applicants into providing their bank information and even login details to scammers. One such scam involves asking for applicants’ details to help the "company" test how well its software synchronises between its "clients" and local banks, with a promise of a small fee for each test transaction.

l Other similar scams involve fraudsters offering jobs that require victims to buy advertised items on e-commerce platforms, with the promise that they will receive a refund on the purchase price plus additional commissions. They are however required to make payments to designated bank accounts instead of the e-commerce portals, and they subsequently do not receive the refund or commission.

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What can you do to protect yourself?

  • Be wary of popular products priced suspiciously below the market rate.
  • Review the seller’s past transactions and user ratings, and check that the listing has clear terms and conditions.
  • Only pay through the platform’s secure payment option.
  • Check that all costs are stated clearly.
  • When in doubt, do not make payments and seek advice from the Police, or check out www.scamalert.sg.

Parcel Delivery Phishing Scam

Waiting for an update on the status of your online purchases? Keep a look out for scammers who may target unsuspecting victims with spoofed messages or emails claiming to be arranging for a delivery. These messages may lead to websites that try to lure victims into divulging their credit or debit card information to make fraudulent transactions.

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WhatsApp Scams

Carried out via WhatsApp or Viber, victims receive anonymous calls from scammers who claim to be personnel from banks or official organisations. Victims might be requested to perform transactions remotely, or to share confidential and personal information. Examples include internet banking username, PIN code, one-time password (OTP) and credit card details.

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What can you do to protect yourself?

  • Do not click on links shared on unsolicited emails or SMS messages.
  • Verify the link from the message by cross-checking with the vendor.
  • Verify the merchant details indicated in the OTP message and do not share your OTP if you are not making the transaction.
  • Never disclose your personal or Internet banking details to anyone.

What can you do to protect yourself?

  • To validate the call, hang up and dial the organisation’s official number.
  • Please block and report the number as spam on WhatsApp or through third-party applications.
  • Never reveal your bank account numbers, one-time passwords (OTPs) or 3-digit credit card security code to anyone.
  • Visit scamalert.sg or call the Anti-Scam Centre at 1800 722 6688 for more information on scams.

Investment Scams

This is a new type of scam targeting victims via Whatsapp, Telegram, Facebook and other social media platforms. Scammers persuade victims to invest in financial products with lucrative returns, convincing them to transfer large amounts of money to cover various fees and taxes. Once the scammers have secured the funds, they cut off contact with the victims.

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Phishing Scams

Recently, customers of Singapore banks have been targeted by a series of phishing scams. Through email and SMS messages that appear to be sent officially by the bank, these scams trick users into accessing fake websites to provide sensitive personal information.

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What can you do to protect yourself?

  • Be cautious when befriending strangers on social media platforms.
  • Understand that investments with high returns come with high risks.
  • Always check with a licensed financial advisor before making any investment.
  • Check if an entity is blacklisted on the Monetary Authority of Singapore (MAS) Investor Alert List. Deal with companies that are licensed and regulated by MAS.
  • Ask as many questions as you need to fully understand the investment opportunity.
  • Do a thorough check on the company and its representatives using resources such as the financial institution's directory, register or representatives, and investor alert list, which can be found on the MAS website.
  • Never provide your name, identification number, passport details, contact details, bank account or credit card details to anyone you do not know well.
  • Be careful when dealing with unregulated entities as you will have little recourse if things go wrong. If an entity is based outside of Singapore, check if it is regulated with the respective overseas authority.
  • Before committing to an investment, always Ask, Check and Confirm.
  • More information on investment scams can be found at MoneySense: How to spot investment scams.
  • Visit scamalert.sg or call Anti-Scam Centre at 1800 722 6688 for more information on scams.

What can you do to protect yourself?

  • Do not click on dubious links and always examine the links when presented in an email or SMS.
  • Hover over links to check the destination of the URL. Check for any typos or misspelt words in the URL. When verifying links using mobile phones, press and hold the link to display the actual URL.
  • Always visit the legitimate website bookmarked in your browser or found via a Google search.
  • Ensure that you do not overlook the spelling mistakes when inspecting the website URL.
  • UOB will never send an SMS to inform customers about account closures or being locked out of their account, or to reactivate accounts.
  • Do not share banking login credentials or OTP on suspicious SMS.
  • If you are in doubt about the authenticity of any SMSes received, please contact UOB at 6255 0160 or Anti-Scam Centre at 1800 722 6688.
Technical Support Scams

Technical Support Scams

Scammers call victims, usually from numbers with the +65 prefix, claiming to be technicians from established companies such as Singtel and Microsoft, convincing them that their internet connection has 'technical' issues. Victims are then told to download remote control software such as TeamViewer and pcAnywhere. Scammers abuse this administrative access to the victim's computer to install malware or access sensitive information, used for identity theft or transfer of funds.

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What can you do to protect yourself?

  • Never reveal your bank account numbers, one-time passwords (OTPs) or 3-digit credit card security code.
  • If you receive such calls asking for banking information such as OTPs, you should hang up and call UOB or the police immediately.
  • Visit scamalert.sg or call Anti-Scam Centre at 1800 722 6688 for more information on scams.

What can you do to protect yourself?

  • Do not click on dubious links and always examine the links when presented in an email or SMS.
  • Hover over links to check the destination of the URL. Check for any typos or misspelt words in the URL. When verifying links using mobile phones, press and hold the link to display the actual URL.
  • Do not provide your personal information or bank account details on suspicious websites that you are unfamiliar with.
  • If you suspect that you have been scammed, please inform UOB at 6255 0160 or make a Police report immediately.

 

Please do not fall prey to such scams. Do not transfer money to people you do not know. When in doubt, confirm the request through official sources such as government agency hotlines. If you suspect your account has been compromised, please change your password and contact the bank immediately at 6255 0160 (24-hour hotline).

Top Security Tips

The protection and security of your financial information is a top priority to us. When it comes to keeping your information secure, it helps to stay vigilant and be updated on ways to protect yourself. Together, we can proactively safeguard your financial information so you can enjoy a peace of mind when you transact online.

Keep your password confidential at all times and do not divulge it to anyone. UOB and our partners will never request for your password. Always keep your Personal Internet Banking (PIB) username, password, One-Time Password (OTP), Credit/Debit Card and banking account details confidential at all times.

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.

Change your password regularly.

Disable your digital access instantly with our emergency “Kill Switch” feature if your account had been compromised. Please click here for details.

Always log out after an online banking session.

Do not grant remote access of your computer to anyone or download any remote control software as instructed over the phone.

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

Consolidated transaction limits

Revision of funds transfer limitCOMING SOON

Revision of funds transfer limitCOMING SOON

For improved security to protect your exposure to any possible scams, we will be revising the funds transfer limit.

 

This will apply to fund transfers to other UOB accounts, other bank accounts, and eNETs. There are no limits to transfers to your own accounts.

 

The table below shows the revised changes to the funds transfer limits:



*^ Limit set at S$100k applies to Personal Banking customers and Wealth Banking customers.
For Privilege Banking, Privilege Reserve and Private Banking customers, the limit is set at S$200k.
The above-mentioned limit is a combined limit for the transactions as indicated in the respective tables.

Note: The default limit is set at S$5k, if you did not make any changes to your limit previously. Otherwise, it will follow the limit (S$100k and below) that was previously set. Please log in to UOB TMRW app or UOB Personal Internet Banking to manage your limits.

12-hour cooling period for Digital token activation and newly added payees

12-hour cooling period for Digital token activation and newly added payees
COMING SOON for Contact details update

To slow down malicious activity, a cooling period will kick in before the above-mentioned transactions are effected. You will be notified by the bank via SMS upon receiving your request.

Disable Internet Banking and Mobile Banking access

Kill Switch
(Disable Internet Banking and Mobile Banking access)

 

You can instantly disable your digital access with our emergency self-service “kill switch” feature, if you suspect that your account has been compromised.


3 ways to do so:

  • Call General Hotline at 1800 222 2121, press 1 (for English) or 2 (for Chinese) > press 1 > press 2
  • Call Fraud Hotline at 6255 0160 > press 2
  • Make a report at our nearest UOB branch

Once the digital access is disabled, customer will receive SMS notification and any active login session will be logged out.


New Device Login Alerts

New Device Login Alerts

New Device Login Alerts
 

Bringing you an enhanced secured banking experience for your digital banking needs. As a form of security measure to safeguard our customers, you will receive email notifications with the subject header “New device login alert” when you login to your UOB TMRW or UOB Personal Internet Banking account from a different device or browser for the first time. We will keep track of up to 10 different devices or browsers in the bank records.

Find out more
Replace or block your card

Replace or block your card

No more waiting on hold. You can now report a lost card, request for a replacement card or temporarily block your card for fraudulent transactions and unblock your card easily on UOB TMRW. Click here for the step-by-step guide.

Digital Token

Digital Token

No more OTPs. Digital Token enables you to log into both UOB Personal Internet Banking and UOB TMRW seamlessly. It can only be set up on one mobile device and only you have access to it.

Find out more
UniAlerts

UniAlerts

Keeps you informed of your transactions

Avoid late payment of your UOB Credit Card bills and get instant updates of your account activities via UniAlerts.

Login to UOB Personal Internet Banking here and click on Account Services > Manage Alerts to register – make sure your contact details are updated.

Find out more
Unique Login Credentials

Unique Login Credentials

Access your Internet Banking account with a unique Username and Password that cannot be used by anyone else.

Automatic Logout Feature

Automatic Logout Feature

Inactive Internet Banking sessions will be detected by our system and you will automatically be logged out to ensure your account details are not compromised.

Manage transaction limits

Manage transaction limits

Manage payment or transfer limits with ease on UOB TMRW. You can set lower limits to safeguard your banking transactions. Click here for the step-by-step guide.