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Find out moreSkip to higher interest of up to 4.5% p.a. interest in just two steps. T&Cs apply. Insured up to S$100k by SDIC.
Find out moreTap your way to 0% FX fees, cashback on MYR spend and instant savings with UNI$ redemption.
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Find out moreInvest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
Learn more 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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For first 30 online sign-ups every Friday who also make S$500 (or foreign currency equivalent) minimum spend. T&Cs apply
Apply now and get S$80 cash. Promotion ends 31 Dec 2025. T&Cs apply.
Just tap and go when you shop and eat your way across the globe at no FX fees. No fuss, no top-ups.
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!
Convert SGD to the foreign currency you need before your trip on the UOB TMRW app at competitive rates with no mark-ups. Your transactions will be deducted from your FX+ account at 0% FX fees.
Supported currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD
Prefer to spend directly from your SGD account instead of your converted currencies?
Simply disable ‘Enable FX Debit’ via your UOB TMRW app. Transactions will be deducted from your SGD account, also at 0% FX fees. Learn more here.
UOB FX+ rates | Google rates | |
SGD/AUD | 1.205 | 1.21 |
SGD/CAD | 1.0731 | 1.07 |
SGD/CHF | 0.6418 | 0.64 |
SGD/EUR | 0.6855 | 0.69 |
SGD/GBP | 0.575 | 0.58 |
SGD/HKD | 6.086 | 6.09 |
SGD/JPY | 111.92 | 111.95 |
SGD/NZD | 1.3002 | 1.30 |
SGD/USD | 0.7766 | 0.78 |
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 28 May 2025, 16:14 SGT
Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and overseas ATM cash withdrawals.
From earning bonus interest to auto-converting at your preferred rates, FX+ helps you spend smarter and earn more, wherever you go.
Promotion ends 31 January 2026. T&Cs apply.
Here’s how:
Step 1: Be among the first 30 eligible customers per promotion week to apply for FX+ Debit Card here.
Step 2: Make at least 5 foreign currency spends on your new FX+ Debit Card by the end of the next calendar month.
Promotion ends 31 December 2025. T&Cs apply.
New UOB customer? Earn a total of S$180 when you sign up for both One Account and FX+. Learn more here.
Greater sign-up rewards with Flash Deal Fridays! Apply for FX+ Debit Card online and enjoy a one-time complimentary access for you and one guest (worth USD99) at over 1,700 airport lounges and experiences.
Here’s how to qualify:
Step 1: Be among the first 30 eligible customers every Friday to apply for FX+ Debit Card here.
Step 2: Make a minimum spend of S$500 (or foreign currency equivalent) on your new FX+ debit card by the end of the next calendar month.
Promotion ends 31 October 2025. T&Cs apply.
From 1 July 2025 till 31 Jan 2026, be the top FX+ Debit Card spender of the month and receive a pair of Singapore Airlines Business Class tickets to Paris and Mastercard Priceless™ Experiences.
T&Cs have been revised as of 22 September 2025 but revisions only will apply from 1 November 2025 onwards.
Registration required. Click here to register.
Registration required. Click here to register.
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.
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.
Sign up for FX+ online, get approval within minutes and start transacting instantly (where applicable).
How to apply:
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.
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.
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.
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+:
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.
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.
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.
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!
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.
Dear valued FX+ customers, please note that there will be changes to the FX+ Notice from 1 Aug 2025 onwards. Find out more
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.
Promotion is valid on a first-come-first-served basis, while vouchers last. Only 2 GrabTransport vouchers redemption per month per eligible cardholder. Valid when payment is made on Mastercard World or World Elite consumer credit or debit card. This voucher is applicable for all fleet types except GrabHitch and GrabShuttle/GrabCoach.
Promotion is valid on a first-come-first-served basis, while promo code last. Only 2 redemptions per eligible cardholder. Valid when payment is made via GrabPay as payment method using Mastercard credit or debit card. The promotion is applicable for JustGrab, GrabCar, GrabCar Premium, GrabSUV and GrabVan.
Book the bus and find out more about the bus dates and times here
Eligible SGD accounts for UOB FX+:
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