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Tap your way to 0% FX fees, cashback on MYR spend and instant savings with UNI$ redemption.
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Get instant cash at 0% interest and low processing fees. Choose from 3, 6 and 12-months tenor.
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Invest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
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Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Be rewarded. Take charge with UOB TMRW.
you are in Personal Banking

Convert up to 10 foreign currencies at 0% FX fees and no mark-ups on UOB TMRW.
What you see is what you get — no hidden spreads, no surprise costs.

Hold foreign currencies, earn interest, invest globally and spend overseas — all from a single account, without multiple wallets or repeated conversions.

Spend globally from your FX+ Account at 0% FX with the UOB FX+ Debit Card, with zero top‑ups or app transfers needed.
Special Note for spending in China:Chinese Renminbi Offshore (CNH) cannot be used for point‑of‑sale or online transactions, nor for ATM cash withdrawals.However, you can still pay seamlessly in China by adding your FX+ Debit Card to your Alipay or WeChat Pay wallets. All payments will be debited from your SGD account, and converted to RMB at the prevailing exchange rate with no top-ups required and no FX fees.
| Travel Wallets | Other Banks | UOB FX+ Account | |
| Earn interest on FX | ❌ | ❌ Limited (often USD-only, tiered) | ✔ Up to 4 currencies |
| Base interest competitiveness | ❌ | ❌ Usually lower | ✔ Highest base interest |
| FX mark-ups | ❌ | Fees may apply | ❌ None |
| Invest using FX | ❌ | ✔ | ✔ |
| Earn interest on FX |
| Base interest competitiveness |
| FX mark-ups |
| Invest using FX |
Comparison is illustrative. Features vary by provider.
Whether you’re an investor, globetrotter or traveler, UOB FX+ helps you earn more, pay less and manage all your FX needs in one place.

Enjoy greater efficiency when managing global investments. Convert FX at competitive rates and use your FX+ balances to invest directly in foreign-currency-denominated products.
What you can do:

Convert up to 10 foreign currencies on the UOB TMRW app with 0% FX fees and no mark-ups.
Supported 10 foreign currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD
Set rate alerts and get notified when your desired rate becomes available — or let FX+ automatically convert when your target rate is reached.

Earn the highest base interest in the market of 0.02% p.a. on up to 4 foreign currencies (USD, AUD, CNH, NZD), no minimum balance required.
Unlike most banks that require minimum balances or apply complex tiered structures, UOB FX+ lets you earn interest from day one.

UOB ATMs: Free withdrawals at 1,000+ UOB ATMs across ASEAN
Non-UOB ATMs: S$5 Cashback on overseas withdrawals
Note: A standard 2.5% administrative fee and a flat S$5 fee per withdrawal apply at overseas ATMs. For UOB customers, some or all of these fees may be waived as shown above. Learn more here.
Subject to qualifying criteria. T&Cs apply.

Enjoy greater efficiency when managing global investments. Convert FX at competitive rates and use your FX+ balances to invest directly in foreign-currency-denominated products.
What you can do:

Convert up to 10 foreign currencies on the UOB TMRW app with 0% FX fees and no mark-ups.
Supported 10 foreign currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD
Set rate alerts and get notified when your desired rate becomes available — or let FX+ automatically convert when your target rate is reached.

Earn the highest base interest in the market of 0.02% p.a. on up to 4 foreign currencies (USD, AUD, CNH, NZD), no minimum balance required.
Unlike most banks that require minimum balances or apply complex tiered structures, UOB FX+ lets you earn interest from day one.

UOB ATMs: Free withdrawals at 1,000+ UOB ATMs across ASEAN
Non-UOB ATMs: S$5 Cashback on overseas withdrawals
Note: A standard 2.5% administrative fee and a flat S$5 fee per withdrawal apply at overseas ATMs. For UOB customers, some or all of these fees may be waived as shown above. Learn more here.
Subject to qualifying criteria. T&Cs apply.

Manage and use your foreign currencies from a single account across investing, overseas expenses and travel — while earning 0.02% p.a. on USD, AUD, NZD and CNH.
+

Enjoy 0% FX fees worldwide, spend directly from FX balances and get extra travel perks such as up to 20% off GrabTransport rides, free travel insurance & more.
Subject to qualifying criteria. T&Cs apply
UOB Debit Cardmember Agreement
UOB Terms and Conditions Governing Accounts and Services
UOB Debit Card Fees and Charges
FX+ Notice
SGD deposits are insured up to S$100k by SDIC.
For FX+ foreign currency accounts, interest rates are for USD, AUD, NZD and CNH accounts only.
FX fees are administrative fees applied on transactions in foreign currencies. Worldwide includes over 210 countries with MasterCard acceptance.
Receive S$5 cashback on the first four (4) overseas cash withdrawals from your FX+ account(s) or SGD account linked to FX+ in a calendar year. Please click here for full terms and conditions.
For overseas ATM cash withdrawals, a 2.5% administrative fee, plus a flat fee of S$5 (or foreign currency equivalent) may be charged for each Mastercard Cirrus/Visa PLUS withdrawal performed. The overseas ATM bank may charge administrative fees at their sole discretion.
The information herein shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein.
The information herein, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Sales representatives, if any, may be remunerated for the recommendation or sale of this account.
For Singaporeans and PRs
Sign up for FX+ online, get approval within minutes and start transacting instantly (where applicable).![]()
How to apply:
For Foreigners and U.S. Persons
Please proceed to any UOB Branch for application. You will need to bring along original copies of:
Please note that photocopied or digital copies of the above documents will not be accepted for processing.
Eligibility:
Minimum 18 years old
Annual Fees:
S$18.34 yearly (First 3 years card fee waiver)
Annual fee wavier with 12 Mastercard transactions per year
Card replacement fee of S$20
UOB FX+ is a multi-currency savings account that lets you hold, convert, and spend foreign currencies at transparent, competitive rates. With the UOB FX+ Debit Card, you enjoy 0% foreign currency transaction fees worldwide.
You can hold 10 major currencies including USD, EUR, GBP, AUD, NZD, CAD, CHF, HKD, JPY and CNH. You can manage these currencies through UOB TMRW.
Yes. UOB FX+ must be linked to your UOB One Account. UOB FX+ is an add-on multi-currency feature built on top of your primary UOB One Account.
Yes — enjoy up to 0.02% p.a. interest on selected foreign-currency balances.
Convert currencies 24/7 at competitive, no-mark-up rates and lock in preferred rates with rate alerts or auto-conversion.
UOB FX+ is a multi-currency savings account that also doubles as a travel wallet. Hold multiple currencies, convert anytime, spend at 0% FX fees, and manage everything on UOB TMRW.
Spend overseas or online at 0% FX fees using SGD or pre-converted balances. UOB FX+ spending counts toward the S$500 requirement for UOB One Account bonus interest.
No — UOB FX+ has no minimum balance and no fall-below fees.
You can hold and convert CNH, but it cannot be used for POS, online, or ATM withdrawals. Payments in China can be made by linking your UOB FX+ Debit Card to Alipay or WeChat Pay, deducted from SGD at 0% FX fees.
Yes. Overseas ATM withdrawals are supported for major currencies, with selected campaigns offering cashback. CNH withdrawals are not supported.
Manage everything on UOB TMRW. You may view balances, convert currencies, set rate alerts, and track spending easily in one place.
At UOB, a standard 2.5% admin fee and a S$5 flat fee per withdrawal apply. For UOB customers, some or all of these fees may be waived as shown below.
UOB ATMs
Non-UOB ATMs
|
|
UOB ATMs | Non-UOB ATMs | |
| Cash withdrawal | From SGD or FCCY balances | From FCCY balance | From SGD balance |
| 2.5% Admin Fee | No | No | Yes |
| S$5 flat fee | No | Yes | Yes |
| S$5 cashback for first four ATM withdrawals | |||
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.
Eligible SGD accounts for UOB FX+:
Applicable to New to UOB customers who are Singaporeans/PRs with MyInfo login and existing UOB customers applying as a single-named applicant with Myinfo login or bank details online. Applications submitted between 8.30am to 9pm will be opened instantly. Applications received outside these times will be processed the next working day. Applications are subject to UOB’s approval.
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