The Travel Insider
Southeast Asia's first one-stop travel portal designed for UOB Cardmembers. Inspire, plan, and book your next adventure with UOB Cards.
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Apply for UOB One Account online and get up to S$260 cash
Skip to higher interest of up to 4.5% p.a. interest in just two steps. T&Cs apply. Insured up to S$100k by SDIC.
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Cross over to your favorite deals in JB with UOB Cards
Tap your way to 0% FX fees, cashback on MYR spend and instant savings with UNI$ 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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Your access to Private Bank CIO’s expertise
Invest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
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UOB TMRW
Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Reward. Make TMRW yours.
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you are in Personal Banking
For Individuals
Wealth BankingPrivilege BankingPrivilege ReservePrivate BankingFor Companies
GROUP WHOLESALE BANKINGForeign direct investmentUOB Asean insightsIndustry insightsSUSTAINABLE SOLUTIONSAbout UOB
UOB GroupBranches & ATMsSustainabilityTech Start-Up EcosystemUOB WorldUOB Subsidiaries
UOB asset managementUnited overseas InsuranceUOB travel plannersUOB Venture managementUOB Global capital
Apply now and get S$80 cash. Promotion ends 31 Dec 2025. T&Cs apply.
UOB FX+ Debit Card: More than a travel wallet!
With UOB FX+ Debit Card, you can spend worldwide at 0% FX fees — no cap, no minimum spend. Not traveling soon? Lock in competitive rates on UOB TMRW and convert currencies ahead of your holiday.
0% FX fees on all worldwide spends
Just tap and go when you shop and eat your way across the globe at no FX fees. No fuss, no top-ups.
Exceptional rates, as good as what you see online
Take advantage of transparent, competitive rates comparable to Google’s. Enjoy travel with no mark-ups on foreign currency spends
Save more with extra travel perks
Enjoy free travel insurance, and cashback on overseas ATM withdrawals!
Existing Mighty FX cardmembers are also eligible for the new benefits. Find out more here.
Special note for China: Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and ATM cash withdrawals. Instead, simply add your FX+ Debit Card to your Alipay or WeChat Pay wallets to start paying – no top ups needed, no FX fees!
Two flexible ways to manage and spend foreign currencies
Tap to spend worldwide with 0% FX fees
Simply tap to spend while you’re overseas! Transactions will be deducted directly from your SGD account
linked to your FX+ at 0% FX fees.
Say goodbye to juggling multiple top-ups to travel wallets and app transfers.
Competitive exchange rates,
no mark-ups
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UOB FX+ rates
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Google rates
| UOB FX+ rates | Google rates | |
| SGD/AUD | 1.1837 | 1.18 |
| SGD/CAD | 1.0836 | 1.08 |
| SGD/CHF | 0.6171 | 0.62 |
| SGD/EUR | 0.6632 | 0.66 |
| SGD/GBP | 0.578 | 0.58 |
| SGD/HKD | 6.0022 | 6.00 |
| SGD/JPY | 116.73 | 116.78 |
| SGD/NZD | 1.3473 | 1.35 |
| SGD/USD | 0.7719 | 0.77 |
| SGD/AUD |
| SGD/CAD |
| SGD/CHF |
| SGD/EUR |
| SGD/GBP |
| SGD/HKD |
| SGD/JPY |
| SGD/NZD |
| SGD/USD |
Based on exchange rates on UOB FX+ and Google rates on 15 Oct 2025, 16:30 SGT
Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and overseas ATM cash withdrawals.
Stretch your travel dollar further with UOB FX+
From earning bonus interest to auto-converting at your preferred rates, UOB FX+ Debit Card helps you spend smarter and earn more, wherever you go.
Promotions
Exclusive deals for your trip to Malaysia
- 3% Cashback on MYR mobile contactless spend in Malaysia (capped at S$20, no min. spend)
- Dining deals in Johor Bahru
- Get complimentary items with min. spend at popular dining outlets like Oriental Kopi, Madam Kwan’s, Souper Tang and more
- AEON Mall Exclusive:
- RM20 voucher when you take the AEON MALL Shopping Tour Bus and present your UOB Card
- RM20 voucher when you spend RM200 at the Mooncake Festival in AEON Mall
- RM20 voucher when you take the AEON MALL Shopping Tour Bus
- For the full list of deals and T&Cs, please visit the UOB TMRW app. UOB TMRW > ‘ Rewards+’ > Malaysia
Promotion ends 31 January 2026. T&Cs apply.
Privileges for UOB FX+ Debit Card holders
S$5 cashback on overseas ATM withdrawals1
- Free withdrawals at over 1,000 UOB ATMs across ASEAN
- Receive S$5 cashback on the first four overseas cash withdrawals
Travel Insurance
- Medical expenses up to USD100,000 (injury or sickness)
- Emergency medical evacuation and repatriation up to USD100,000
- Daily in-hospital cash up to USD100 per day (min 3 days, max 15 days)
- Overseas Quarantine allowance up to USD100 per day (max 14 days)
- Emergency assistance services
Registration required. Click here to register.
S$5 cashback on overseas ATM withdrawals1
- Free withdrawals at over 1,000 UOB ATMs across ASEAN
- Receive S$5 cashback on the first four overseas cash withdrawals
Travel Insurance
- Medical expenses up to USD100,000 (injury or sickness)
- Emergency medical evacuation and repatriation up to USD100,000
- Daily in-hospital cash up to USD100 per day (min 3 days, max 15 days)
- Overseas Quarantine allowance up to USD100 per day (max 14 days)
- Emergency assistance services
Registration required. Click here to register.
Capture investment opportunities with UOB FX+
FX+ isn’t just for travel — it’s your gateway to smarter investing too. With the UOB TMRW app, you can maximise your converted currencies when you convert currencies as they appreciate in value, and invest in foreign-currency denominated unit trusts/ fixed deposits.
Here’s how to invest your converted currencies on UOB TMRW.
Tap ‘Place fixed deposits’ on the Wealth tab in UOB TMRW
Select ‘Time Deposit’ and the crediting FX+ account
Select tenor and date
Pick your maturity instructions
Slide to confirm
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Requirements and fees
Important Notice & Disclaimers
UOB Debit Cardmember Agreement
UOB Terms and Conditions Governing Accounts and Services
UOB Debit Card Fees and Charges
UOB FX+ Debit Card Spend and Travel Promotion Terms and Conditions (T&Cs have been revised as of 22 September 2025 but revisions only will apply from 1 November 2025 onwards.)
UOB FX+ Debit Card MYR Mobile Payment 3% Cashback Promotion Terms and Conditions
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.
1Receive 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.
^Eligible Card spend transactions are based on the following: Eligible Visa/MasterCard local and foreign retail transactions subjected to the exclusions mentioned below; Insurance payments made on a recurring basis on selected credit or debit cards; Total posted retail transactions by the selected Credit Card(s) principal and supplementary holder plus any spending on the selected Debit card(s); and Transactions posted within a CALENDAR month. Visit UOB One Account website for full terms and conditions.
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.
Actions or documents required
For Singaporeans and PRs
Sign up for FX+ online, get approval within minutes and start transacting instantly (where applicable).
How to apply:
- Retrieve with Myinfo using Singpass login – applicable to new-to-UOB customers, existing to UOB customers and joint applicants
- Personal Internet Banking login details – applicable to existing UOB customers
- Credit/Debit card number and PIN – applicable to existing UOB customers applying for single-named account application
For Foreigners and U.S. Persons
Please proceed to any UOB Branch for application. You will need to bring along original copies of:
- Your Physical Passport (Min 6 months validity is required)
- Proof of Residential Address (E.g. Utilities or Telecommunication bills)
- Employment Pass/S Pass/Dependent Pass
Please note that photocopied or digital copies of the above documents will not be accepted for processing.
Eligibility and Fees
Eligibility:
Minimum 18 years oldAnnual 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
Gift Redemption
- UOB FX+ Online Account Opening Promotion (18 Feb – 31 May 2025): Eligible participants, please follow the steps in this link to redeem your gift by 30 Sep 2025.
- UOB FX+ TikTok Promotion: Eligible participants, please follow the steps in this link to redeem your gift by 30 Nov 2025.
UOB FX+ Debit Card FAQs
I am an existing Mighty FX debit cardholder. Will I continue to enjoy the benefits tied to the new FX+ Debit Card?
Yes, existing UOB Mighty FX Debit Cardmembers will enjoy the same benefits of the new UOB FX+ Debit Card. No replacement of debit card is required.
I have an existing KrisFlyer UOB FX Account linked to my KrisFlyer UOB Account, will I enjoy UOB FX+ Debit Card benefits?
No, as you will enjoy the benefits tied to your KrisFlyer UOB Debit Card. You may apply for UOB FX+ Debit Card by linking UOB FX+ to any of these eligible SGD accounts: One Account, Privilege Account, Wealth Premium Account or iAccount, to enjoy its benefits.
How do I apply for the new FX+ Debit Card?
You can apply via the UOB FX+ website. You will need at least one of the following eligible SGD accounts to apply for UOB FX+. If you do not have one, you can apply during the UOB FX+ application.
Eligible SGD accounts for UOB FX+:
- One Account
- Wealth Premium Account
- Privilege Account
- iAccount
I have recently applied for KrisFlyer UOB FX, will I receive a UOB FX+ Debit Card?
No, you will be issued a KrisFlyer UOB Debit Card and enjoy KrisFlyer UOB Debit Card benefits. You may apply for UOB FX+ Debit Card by linking UOB FX+ to any of these eligible SGD accounts: One Account, Privilege Account, Wealth Premium Account or iAccount, to enjoy its benefits.
What happens if I use my UOB FX+ Debit Card when there are insufficient funds in the respective FX+ foreign currency account?
If the ‘Enable FX Debit’ function is turned on and you had attempted a transaction on your UOB FX+ Debit Card when there are insufficient funds in the respective FX+ foreign current account, the transaction will be declined and you will receive an SMS:
“Your transaction on UOB card ending 0605 was unsuccessful due to insufficient funds in your foreign currency account. Top up via UOB TMRW mobile app."
You can convert currencies instantly via the UOB TMRW app to fund the respective FX+ foreign currency account before attempting your transaction again.
How will my foreign currency spends be deducted from my FX+ Debit Card?
Choose from two ways to spend on your FX+ Debit Card
1. Tap to spend worldwide
Simply tap to spend while you’re overseas! Transactions will be deducted directly from your SGD account linked to your FX+ at 0% FX fees.
2. Convert currencies in advance
If you’re headed to countries with currencies supported by FX+, you can convert SGD to the foreign currency in advance with UOB TMRW. Your FX Debit is enabled by default, so transactions will be deducted from your FX+ foreign currency account at 0% FX fees.
10 supported currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD
If you prefer to spend directly from your SGD account instead of your converted currencies, simply turn off the ‘Enable FX Debit’ function.
Go to Accounts > FX+ Debit Card > Services > Enable FX Debit to switch off. Transactions will then be deducted from your SGD account, also at 0% FX fees.
I’m heading to China, do I convert SGD to CNH on UOB TMRW?
Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and ATM cash withdrawals. Instead, simply add your FX+ Debit Card to your Alipay or WeChat Pay wallets to start paying – no top ups needed, no FX fees!
Full list of FAQs
Deposit Insurance Scheme
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.
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