The 7 participating banks are UOB, Citibank, DBS/POSB, HSBC, Maybank, Standard Chartered Bank and OCBC. The participating insurance companies are AIA, Great Eastern, Prudential, Manulife, Income, HSBC Life, Singlife with Aviva. The participating government agencies are CPF, Income (IRAS) and HDB.

If the organisation is not in the list, it means the financial institution is not a participant of SGFinDex. Customer with relationship with those financial institutions will not be able to use SGFinDex to aggregate their financial data.

You will need to perform an initial setup by providing your consent and link your financial institution accounts with SGFinDex. You may do so by logging into UOB TMRW, go to "Wealth" tab and click on "SGFinDex One View".

The consent period lasts for 365 days (including the first day) after the first consent was made.
For illustration, if you had made a consent for UOB to release data to SGFinDex on 1st Jan 2021, and subsequently had made a consent for DBS to release data to SGFinDex on 1st Mar 2021, all consents will expire on 31st Dec 2021. If you were to attempt a data retrieval on 1st Jan 2022, there will be no data retrieved, and you will have to grant your consent again.

Accredited Investor who are tagged to individual banks are excluded from SGFindex to share their data with other banks. However, you can still retrieve data from the bank that you are tagged to as an Accredited Investor.

Based on the organisation selected, please refer to the table for data released.

Bank Data

Government Data

SGX Data

Insurance Data

You can go to SGFinDex portal via UOB TMRW to revoke all your consents. The consents can be revoked all in one place, but individually one by one.

No. You will not be able to select the data that you wish to release.

The Current Account Savings Account (CASA) data returned by SGFinDex is previous months’ month end data. It is not real time. That is why it can be different from the amount that is shown in Personal Internet Banking (PIB).

There are stringent security measures in place to safeguard your personal data that passes through SGFinDex. Your data is encrypted when it is retrieved through SGFinDex and only the financial planning application/website(s) that you have authorised to receive your data is able to decrypt the data. The authentication and authorisation process is underpinned by SingPass.

‘My Portfolio’ & ‘All Portfolios’ provides you an overview of your Cash, Investments, SRS account and Insurance cash value in UOB.

If you have joint holdings, you will see ‘All portfolios’ by default. To view your single portfolio, tap on ‘All portfolios’ to reveal options to select ‘My Portfolio’.

Your foreign currency accounts and investment holdings will be aggregated in SGD based on the day’s bank board rate and displayed in 'Assets overview’. Tap on ‘Cash’ or ‘Investments’ to view the individual account and investment holdings in its associated currency.

To view your joint goal, follow these steps:
Step 1: Login to UOB TMRW and tap on 'Wealth’ at the bottom bar menu.
Step 2: Under ‘Goal’, you will find your single and joint goal details. If you have multiple goals, swipe right on the goal card to view all your goals.

To take the assessment , follow these steps:
Step 1: Login to UOB TMRW and tap on ‘Wealth’ at the bottom bar menu.
Step 2: In ‘My Portfolio’ or ‘All Portfolios’, tap on the profile icon located at top right of screen, to access 'Your wealth profile' screen.
Step 3: Tap on ‘Take assessment' to submit a CRP/CKA assessment.

To view your order history, follow these steps:
Step 1: Login to UOB TMRW and tap on ‘Wealth’ at the bottom bar menu
Step 2: Scroll to end of screen and tap on ‘Your fund orders’ to view your past 1 year’s fund order history.

'Set a goal’ is a tool that aims to provide you with purpose for your investments and guidance on options to grow your wealth.

Set a goal via 'Find a target' questionnaire if you prefer guided assistance to calculate a goal target for you.
Set a goal via 'Already have one' questionnaire if you already have a goal target in mind.

Yes, you can edit your goal anytime. In ‘My Portfolio’ or ‘All Portfolios’, tap on the pencil icon on your goal card to edit your goal.

You need to have a single-name UOB deposit account and be at least 21 years old to invest. For more details, check out Wealth on UOB TMRW website

If you do not have a UOB deposit account, simply follow these steps to apply for one:

Step 1: Login to UOB TMRW

Step 2: On 'Home' screen, tap on 'Apply' located at the top of screen.

Step 3: Select 'Deposit accounts’ to apply for an account online.

Foreigners can invest on UOB TMRW with the exception of U.S. Persons, nationalities and residents of Russia, Ukraine, Belarus, and residents of European Economic Aread (EEA).

Residents of Canada, the Kingdom of Saudi Arabia, United Arab Emirates (UAE) Dubai and Australia are restricted from investing into PIMCO funds. Residents of Canada are restricted from investing into Fidelity funds.

A sales charge of up to 0.8% of the investment amount is applied per transaction. Actual sales charge is reflected on the buy input screen, before you submit the order.

Besides the sales charge that is charged upfront during subscription, the asset manager of the fund will also charge an Annual Management Fee for managing the fund. Other fund-related fees include administrative costs of maintaining the fund such as custodian, trustee and accounting fees.

These fees are deducted from the fund’s Net Asset Value (NAV) and of no additional cost to you. You should always refer to funds’ prospectuses to understand the types of fees charged.

Depending on the fund selected, you can start a lump sum investment from S$500 or a monthly recurring investment from S$100.

UOB and other agent banks' CPFIS and SRS can be used to invest in unit trusts on UOB TMRW.

If the fund allows CPFIS or SRS investments, CPFIS or SRS payment mode will be availed in buy input screen, simply select the desired payment mode and submit order.

Credit card payment is not supported for unit trust investments in UOB TMRW.

An investment account will be automatically set up when your buy order is completed.

There is no lock-in period on your Fund Portfolios or Unit Trusts holdings.

Fund Portfolios offer 4 specially curated funds that are professionally managed by experienced fund managers that address your different investment objectives. If you would like to find out more, please visit out Wealth on UOB TMRW website for a step-to-step guide on how to get started.

We offer over 100 funds classified by geographical allocation, sector allocation and type of assets (e.g. equities, bonds) held. Simply select your preferred funds to invest based on your risk appetite and goals.

Investments involve risks. The value of units in Fund Portfolios or Unit Trusts and any income accruing to the units from the unit trusts may fluctuate.

Investors should read the funds’ prospectuses, which sets out the risks associated with investing in funds, before making any investment. If in doubt, you should seek advice from your professional advisers before making any investment.

You should read all the documents applicable to the funds you wish to invest in, including the fund prospectus, fund factsheet and product highlight sheet before making any investment. If in doubt, you should seek advice from your professional advisers before making any investment.

If you would like to receive wealth advice from our bankers, simply reach out to us via 'Contact us' in ‘My Portfolio’ or ‘All Portfolios’.

If the fund that you invest in distributes dividends, you will be asked to either reinvest the dividends or to credit the dividends into your UOB deposit account.

To change the dividend payout mode, you are required to visit any of our UOB branches to submit the request.

Unit trust monthly paper statements will be sent to your registered mailing address with the bank. To change your unit trust statement from paper to electronic, simply follow these steps:

Step 1: Login to UOB TMRW.

Step 2: On 'Home' screen, tap on 'eStatements' located at the top of screen.

Step 3: Tap on ‘Manage’ at top right of screen.

Step 4: Check the box for ‘Unit trust statements’ and tap 'Save' to submit.

A buy order takes up to 3 business days from the day of your submission to complete. If you have submitted your order after 2.45pm (Singapore time), or on a weekend, public holiday or fund holiday, your order will be processed on the next working day.

A sell order takes up to 6 business days from the day of your submission to complete. If you have submitted your order after 2.45pm (Singapore time), or on a weekend, public holiday or fund holiday, your order will be processed on the next working day.

A switch order takes up to 10 business days from the day of your submission to complete. If you have submitted your order after 2.45pm (Singapore time), or on a weekend, public holiday or fund holiday, your order will be processed on the next working day.

Simply follow these steps:

Step 1: Login to UOB TMRW, and tap on ‘Wealth' at the bottom bar menu

Step 2: Scroll to the end of screen and tap on ‘Your fund orders’ icon

Step 3: On the recurring instruction (with a blue ‘Active’ status), swipe left on the card and ‘Edit’ or ‘Terminate’ options will be availed.

Step 4: Tap on ‘Edit’ or ‘Terminate’ to submit the request.

Some fund managers allow a cancellation within 7 calendar days after a buy order is submitted. It takes up to 7 business days to receive the cancelled proceeds back into your UOB deposit account.

To cancel, simply follow these steps:

Step 1: Login to UOB TMRW, and tap on ‘Wealth' at the bottom bar menu

Step 2: Scroll to the end of screen and tap on ‘Your fund orders’ icon

Step 3: On the buy order, swipe left to avail ‘Cancel’ option. If ‘Cancel’ option is not seen, the unit trust does not allow cancellation, or your buy order is beyond the 7 calendar days cancellation period.

Step 4: Tap on ‘Cancel’ to submit request.

Unit trust transactions such as buy, sell and switch are not available on UOB Personal Internet Banking (PIB). You can, however, view your unit trust account and holdings on UOB PIB.

UOB does not provide any advisory services on UOB TMRW (whether financial or otherwise). If in doubt, you should seek advice from your professional advisers before making any investment.

Yes, the minimum age is 21 years old.

You will need an existing CDP account. You will also need a UOB bank account, SRS account or a CPF investment account with UOB to pay for the IPO.

You must be at least 18 years old. You can open a CDP account online with your MyInfo details at the SGX website.

You must be at least 18 years old. You can open a UOB bank account online with your MyInfo details at this UOB website.

There's no minimum age. You can open a CPF investment account with UOB online with your MyInfo details at this UOB website.

If you don't have an existing SRS account with another bank, you can open a SRS account with UOB online with your MyInfo details at this UOB website. Please note you must be at least 18 years old.

If you have an existing SRS account with another bank, please do not open the SRS account with UOB online but visit any UOB bank branch to transfer your SRS account with another bank to UOB. Please note that there could be some fees involved if you already have existing investments linked to the SRS account.

The minimum is usually 1,000 units and is displayed on the screen to guide you. However, the maximum differs for different IPO and is not displayed.

You can make your application when the IPO starts accepting applications and thereafter from 06:00 AM to 09:30 PM daily during the period the IPO is still open for application.

You can only make one IPO application.

You will receive an acknowledgment sms after you have submitted your application. There will be another SMS to inform you on your application result when the IPO result is available.

No changes can be made to your submitted application.

It could be that your application was not successfully submitted. Kindly try again.

You can withdraw your submitted IPO application only when the IPO counter makes it available.

After you submit your withdrawal request, you will receive an acknowledgement via sms. The money deducted will then be credited to your UOB bank account, usually on the next business day.

Gold Savings Accounts (GSA)/Silver Savings Accounts (SSA) can be opened at any UOB branch in Singapore from Mondays to Fridays during banking hours.

You may choose to have a passbook or receive statements of accounts in respect of your GSA or SSA.

You can transact at any UOB branch in Singapore from Mondays to Fridays during banking hours. Our banking hours are:
For selected branches with extended hours: 09:30 AM to 06:00 PM.
For all other UOB branches: 09:30 AM to 04:30 PM
You can also transact on the Personal Internet Banking platform from Mondays to Fridays, 08:00 AM to 11:00 PM. This service is not available on Saturdays, Sundays and public holidays in Singapore.

You can check prices:

• at our UOB website under Rates & Fees; or
• using UOB Personal Internet Banking by clicking onto 'Widgets' on the top right hand corner.

Before purchasing gold/silver products, the customer should understand and acknowledge that:

• the gold and silver market is volatile;
• losses, including the loss of your principal investment, can be incurred from such an investment;
• an investment in gold or silver provides no dividend yield or interest;
• prices would have to rise sufficiently over the investment period in order to yield a profit on sale; and
• investments in gold and silver are not guaranteed by the Bank nor insured under the Deposit Insurance Scheme.

The minimum age is 18 years old.

The minimum transaction amount is 5 grams of gold for GSA and 10 ounces of silver for SSA.

The minimum balance requirement is 5 grams of gold for GSA and it is 10 ounces of silver for SSA.

Monthly service charges on the GSA are payable. The monthly service charges are charged in grams of gold. The service charge for GSA is the higher of:

• 0.12 grams of gold per month; or
• 0.25% per annum on the highest gold balance recorded in your GSA in a calendar month.
  
  

The service charges will be accrued monthly and debited from the account annually at the end of the year or upon closure of the account. For account closure, the service charges would be calculated on a pro-rata basis. GST on the service charge is applicable.

For Illustration purpose only:

• If you are holding on to 100 grams of gold throughout a year, the service charge would be the higher of: - 0.12grams x 12 = 1.44 grams; or - 0.0025 x 100grams = 0.25 grams. This means that the annual service charge for 100 grams would be 1.44 grams of gold. GST chargeable on the service charge would be 0.1008 grams.
• If you are holding on to 1,000 grams of gold throughout a year, the service charge would be the higher of: - 0.12grams x 12 = 1.44 grams; or - 0.0025 x 1,000 = 2.50 grams. This means that the annual service charge for 1,000 grams would be 2.50 grams of gold. GST chargeable on the service charge would be 0.175 grams.

Monthly service charges on the SSA are payable. The monthly service charges are charged in ounces of silver.

The service charge for SSA is the higher of:

• 0.2 ounces of silver per month; or
• 0.375% per annum on the highest silver balance recorded in your SSA in a calendar month
  
  

The service charges will be accrued monthly and debited from the account annually at the end of the year or upon closure of the account. For account closure, the service charges would be calculated on a pro-rata basis. GST on the service charge is applicable.

For Illustration purpose only:

• If you are holding on to 10 ounces of silver throughout a year, the service charge would be the higher of: - 0.2 x 12 = 2.4 ounces; or - 0.00375 x 10 = 0.0375 ounces. This means that the annual service charge for 10 ounces would be 2.4 ounces of silver. GST chargeable on the service charge would be 0.168 ounces.
• If you are holding on to 1,000 ounces of silver throughout a year, the service charge would be the higher of: - 0.2 x 12 = 2.4 ounces; or - 0.00375 x 1000 = 3.75 ounces. This means that the annual service charge for 1,000 ounces would be 3.75 ounces of silver. GST chargeable on the service charge would be 0.2625 ounces.

There is no GST charged on the sale and purchase of gold and silver through GSA and SSA. However, the service charges for GSA and SSA are subject to GST and the GST is debited in grams of gold and ounces of silver from the accounts at the end of the year.

Yes, there is an additional charge of three cents per gram of gold (or such other amount that we may stipulate) on the amount quoted when customer buys. There is no additional charge when the customer sells the gold.

You may pay in cash or authorise us to debit the amount from your UOB Singapore account.
Alternatively, you may purchase gold using CPF funds.

There will be an early account closure fee of S$30.00 (subject to GST) charged if you close a UOB GSA or SSA within six months from the date you opened the GSA or SSA.

The account balances cannot be exchanged for or converted to physical gold or silver or gold certificates.

UOB gold prices are quoted in SGD while the international gold prices are quoted in USD. The UOB gold prices are based on international gold prices and will therefore be affected by the foreign exchange rates.

Yes, you are required to be present at the branch to open an account. New account openings are subject to the Bank’s approval. Please provide the following documents:

• identification card / original passport of account holder and work permit/student pass/other documents demonstrating your Residency status;
• proof of residential address (eg. bank statements, utility or phone bills bearing the account holder's name and address);
• banker's reference letter/letter of introduction in form and substance acceptable to the Bank may be required; and
• such other documents as the Bank may require.

Yes, you may use CPF funds to buy, subject to the rules of the CPF Investment Scheme, including your available gold limit.

Your gold holdings with UOB will be reflected in your CPF Investment Account monthly statement.
You are responsible for ensuring that there are sufficient funds in your CPF Investment Account to buy the gold. 

If your request to use CPF funds to buy the gold is rejected or you do not have enough CPF funds to do so, you will have to pay cash for the gold. If you do not have sufficient cash to pay for the gold you will have to sell the gold to the Bank and pay for the difference in the price movement between the contracted price and the Bank’s prevailing purchase price.

The Bank has ceased trading of GSA and SSA on Saturdays due to the closure of the market and the non-availability of gold/silver prices over the weekend.

If you do not have a gold/silver savings account, you will first need to visit a UOB branch to open the account.

If you already have a gold/silver savings account, login to UOB Personal Internet Banking > 'Investments' > 'Gold and Silver'. Alternatively, you can login to UOB TMRW > 'Services' > 'Buy Gold/Silver'.

Simply login to UOB Personal Internet Banking > 'Investments' > 'Gold and Silver'. Alternatively, you can login to UOB TMRW > 'Services' > 'Sell Gold/Silver'.

Simply login to UOB Personal Internet Banking and select > 'Account Information' > 'Account Summary'. Alternatively, you can login to UOB TMRW and select 'Accounts'.

Yes, you may do so for the statement version (but not the passbook version) of the GSA or SSA account via Personal Internet Banking. Please refer to our website for more information on e-statements.