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This is a service that lets you send and receive money from your phone number or Singapore NRIC/FIN.
PayNow was introduced in response to the increased demand from customers to make funds transfer more convenient and efficient. From time to time, government may also disburse payouts through PayNow. Therefore, it is important to register your NRIC on PayNow to receive funds immediately and effortlessly.
PayNow is currently offered by 9 banks – Bank of China, Citibank Singapore Limited, DBS Bank/POSB, ICBC, HSBC Bank (Singapore) Limited, Maybank, OCBC Bank, Standard Chartered Bank and United Overseas Bank. More banks may join at a later date.
Yes, PayNow is secure and adopts the same high security standards established by the banking industry in Singapore for funds transfer. Additional transaction signing will be required for:
NFI stands for Non-Bank Financial Institutions. They are typically financial service providers providing services such as e-Wallets.
A virtual payment address, or VPA, is an identifier used by the NFIs that can be uniquely mapped to an individual account.
Your VPA will always have the following format:
Grab user: +(Country Code)(mobile number)#GRAB For example, +6591234567#GRAB
Liquid Pay user: +(Country Code)(mobile number)#XNAP For example, +6591234567#XNAP
Singtel Dash user: +(Country Code)(mobile number)#DASH For example, +6591234567#DASH
Bank users can start making fund transfer to participating NFIs via PayNow with VPA.
Currently the participating NFIs for PayNow are Grab, Singtel Dash and Liquid Pay.
This is similar to PayNow, except customer needs to use VPA when making PayNow Fund Transfer to the NFIs instead of NRIC or Mobile Number.
The PayNow fund transfer to NFI using VPA will be almost immediate, similar to normal PayNow fund transfer.
The maximum and minimum amount you may transfer is dependent on each e-wallet’s setting. Please check with the NFI e-wallet provider for more details.
You may transfer funds subject to your daily or monthly transfer limits. The default PayNow limit is S$5,000.
PayNow is riding on the FAST platform and therefore operates 24/7.
Customers of the 9 participating banks can use PayNow.
You can access PayNow using UOB Personal Internet Banking or UOB TMRW.
No. PayNow only enables funds transfer between participating banks. Funds between a participating and non-participating bank can be transferred via other channels such as FAST or Interbank GIRO.
The status of your funds transfer is available in the transaction history and can access via UOB Personal Internet Banking or UOB TMRW.
No, there are no charges to use PayNow.
With effect from 14 November 2023, PayNow transfers for gambling related activities to the registered PayNow proxies of the following entities will not be allowed if UOB CashPlus is the source of funds for such transfer:
Tap on the 'Home' icon on the bottom bar. Then, go to 'PayNow' and choose whether you're transferring money to a phone number, NRIC/FIN or UEN. Tip: you don't need to register for PayNow to send money!
You must register for PayNow and link your phone number or NRIC/FIN to your bank account. Once done, payees can find you with your phone number or NRIC/FIN.
Tap on the 'Home' icon on the bottom bar. Then, go to 'PayNow'. If you're not prompted to register, tap on the 'Register' button on the top right. For full step by step guide, click here
Call us at 1800 222 2121 immediately. If you're overseas, call (65) 6222 2121 instead. We'll investigate and follow up with the recipient's bank to return your money. You may also be advised to lodge a police report to aid the investigation.
Call us at 1800 222 2121 to authorise the return of the money to the sender. If you're overseas, call (65) 6222 2121 instead. You should also lodge a police report and not use the money.
It is a service that allows UOB TMRW app customers to conveniently scan the respective QR code in participating countries (i.e. Indonesia, Malaysia and Thailand) to allow instant, secure and seamless payment to merchants when overseas.
No fee is applicable for this service besides the foreign conversion charges.
There is a separate daily maximum limit of SGD 1,000 for each participating country. The daily remaining limit will be displayed on the app when a payment is initiated.
For overseas QR payment to Indonesia and Thailand, there is a minimum amount of IDR 1,000, or THB 100 respectively.
QRIS is the standardized QR code that is used for payments in Indonesia. There are over 60 supporting partners for QRIS QR and it allows UOB TMRW users to be able to scan the QR code and make payment at over 23 million merchants in Indonesia.
Please look out for the QR code with the QRIS acceptance mark on display at the merchant store front.
DuitNow QR is the Malaysia's national QR standard established under PayNet of the Bank Negara Malaysia's Interoperable Credit Transfer Framework (ICTF). There are 8 supporting partners for DuitNow QR.
Please look out for the QR code with the DuitNow acceptance mark on display at the merchant store front with any of the 8 participating partners' logo in the Participating Partner section.
PromptPay is the national real-time interbank payment system in Thailand. There are 5 supporting partners for PromptPay QR and it allows UOB TMRW users to be able to scan the QR code and make payment at over 8 million merchants in Thailand.
Please look out for the QR code with the PromptPay acceptance mark on display at the merchant store front with any or the 5 supporting partners (i.e. Bangkok Bank, Bank of Ayudhya, Kasikorn Bank, Krungthai Bank and Siam Commercial Bank).
This means the QR code is invalid or not supported. Please make sure you are scanning the right QR code acceptance mark.
The foreign exchange rate is the rate provided by NETS plus a mark-up of 2% above the foreign exchange rate. The mark-up serves to cover fees for services provided and/or administered by us and our service providers for the foreign currency transaction.
Through cross-border gateways built and operated by Singapore and participating countries (i.e. Malaysia and Thailand), these linkages enable our customers to transfer funds quickly and securely between Singapore and the participating countries. Customers simply need to only key in the recipient’s mobile phone number, mirroring a domestic PayNow transfer. The transfer is real-time and recipient will receive the funds near instantly.
Charges are currently waived for customers.
There is a separate daily maximum limit of SGD 1,000 for each participating country. The minimum transaction amount is MYR 10 and THB 100. The daily remaining transfer limit will be displayed on the app when a payment is initiated.
Yes. Please request for your recipient’s local registered mobile number for the Cross-border Instant Transfer with the respective country code.
The Cross-border Instant Transfer is only applicable to participating banks from the respective participating countries. Recipient must have registered with one of the banks that participated in the Cross-border Funds Transfers service. Please refer below for more information:
A pop-up on the app will appear with the message “Unable to pay or transfer”. Please make sure the recipient has registered the mobile number with one of the supported partners.
Yes, you can. Simply ensure you are registered for PayNow via the mobile number on any of your UOB current or savings account.
The Cross-border Funds Transfers service is only applicable for transfers via the mobile number.
Yes, you will receive notification via Push Notification to your UOB TMRW app for all incoming Cross-border Funds Transfer transactions.
Notification via email or SMS will be sent for all outgoing Cross-border Fund Transfers transactions, depending on your alerts setting. To update your alerts setting for outgoing transfer transactions, please login to PIB > Manage Alerts.
You will be able to view the applicable foreign exchange rates prior to the transfer. The foreign exchange rates are closely benchmarked to prevailing market rates, converted to US Dollar before being converted to Singapore Dollar.
This is a service that lets you send and receive money using QR codes.
Tap on the 'Home' icon on the bottom bar. Then, go to 'Scan to pay' to scan the QR code. If the QR code is on your own phone, you can tap 'Select from device' to upload a photo of the code from your photo gallery.
You can do so at all merchants that accept DuitNow, NETS, PayNow or FavePay QR codes.
First, make sure you've registered your phone number with us for PayNow to generate QR codes. To receive money, tap on the 'Home' tab on the bottom bar. Then, go to 'Scan to pay' > 'My QR'. Share your QR code as it is or choose a preset amount.
This allows you to withdraw cash from an ATM using your phone instead of your card. Just tap your device on the contactless symbol, select the card you want to withdraw from on your phone, and enter your ATM PIN.
The same Visa or Mastercard that you are using for ATM cash withdrawals today are supported. You can add the card to your respective wallet and start enjoying Contactless ATM withdrawals.
Preset withdrawal settings allow you to indicate your withdrawal amount, account to withdraw from and balance display or receipt, so that there is no need to make those selections on the ATM screen. You will get your cash right after you key in your ATM PIN, making your cash withdrawal even easier. You can choose to preset your withdrawal settings via UOB TMRW.
You can enable and disable this preset withdrawal setting function with the toggle in your Contactless ATM setting within UOB TMRW. When this setting is turned off, you will be guided by the ATM to enter the amount you wish to withdraw each time.
Yes. If you have more than one card enabled for Contactless ATM cash withdrawal, you can preset individual preset withdrawal settings for each card.
If your Visa or MasterCard credit card is not linked to any of your Current / Saving Account, you will not be able to use the card for Contactless ATM withdrawal. Log in to UOB TMRW to link your card to your current or savings account instantly. Click here to find out more. Alternatively, you may visit the nearest branch to link your UOB Visa and MasterCard Credit Card to your current or savings account, if you wish to enable Contactless ATM withdrawals for this credit card.
No. Your contactless Cash Withdrawal with a credit card linked to your UOB current or savings account via ApplePay™ or Google Pay/Samsung Pay wallets is not considered a cash advance transaction, as the cash withdrawal is made from your current or savings account, and not your credit line.
Visit the nearest branch to link your UOB Visa and MasterCard Credit Card to your current or savings account.
No. There are no additional charges applicable for Contactless Cash Withdrawal.
Yes. You will receive transaction alerts based on your current setting on ATM cash withdrawal threshold.To change the threshold to receive transaction alerts, sign in to Personal Internet Banking.
Just add your UOB Visa or Mastercard Debit card on ApplePay™/Google Pay/Samsung Pay. The card you add needs to be linked to a UOB current or savings account.
To see the list, tap on the 'Services' icon on the bottom bar. Then, tap on 'Find us' > 'Contactless ATM' > 'Show results'.
We are committed to meeting and exceeding all industry standards. Protecting your transaction is our job and we take it very seriously. To read more on security policy, please click here. Contactless Cash Withdrawal from a Contactless ATM is as secure as using your physical ATM card. You will still be required to enter your Card Pin on the ATM PIN Pad. As an added layer of security, for the Contactless ATM to recognize your card, you have to unlock the ApplePay™ or Google Pay wallet with your fingerprint, Face ID or passcode.
Contact the UOB Call Centre at 1800 222 2121. If you're overseas, call (65) 6222 2121 instead. We'll help fix the issue. If it takes time, please use your physical card first.
FAST was introduced in response to the increasing demand from consumers and businesses for faster and more efficient funds transfers. Currently, it can take up to three working days for customers to transfer money from one banking account to another across banks. With FAST, it is almost instant.
Click here for a complete list of the participating banks and non-bank financial institutions (NFIs) for funds transfer (FAST).
Yes, FAST is secure and adopts the same high security standards established by the banking industry in Singapore for funds transfer. Additional transaction signing will be required for ad-hoc transfers above S$1,000 and transactions above S$5,000 to existing payees.
Customers with savings or current accounts at the participating banks can use FAST.
No, FAST only enables funds transfer between accounts of the participating banks in Singapore. Funds between a participating and a non-participating bank can be transferred via eGIRO.
No, FAST can only be used for Singapore Dollar funds transfers between bank customer accounts of the participating banks in Singapore.
FAST is available 24x7 via UOB Personal Internet Banking, UOB TMRW App and all ATMs.
For incoming funds transfers via FAST which are performed (i) after approximately 10.30pm on any day from Monday to Saturday (other than a public holiday); or (ii) on a Sunday or public holiday, UOB will effect the value date of such FAST transactions as the next business day. Such FAST transactions will be posted to your UOB account the next business day and prevailing interest (if applicable) will accrue from the next business day onwards.
Fees will be waived for FAST performed via internet banking, mobile banking and ATMs. A fee of S$10 per transaction will apply for FAST transactions done at UOB branches.
Do exercise caution when you key in the amount and bank account number for any electronic funds transfer services via UOB ATMs, UOB Personal Internet Banking or UOB TMRW app. As funds transferred via FAST will be credited to the recipient’s bank account almost instantly, please contact your bank immediately if you have made a wrong funds transfer.
No. The recipient’s bank account number is required to use FAST. The recipient’s name is only for reference purposes.
Yes. You can still transfer funds using eGIRO.
You can contact us via the following ways:
The NFI account number is assigned by the respective NFI. Please check directly with the respective NFI on the account number assigned to your wallet.
Like any existing funds transfer done via UOB Personal Internet Banking or UOB TMRW App, you will need to use either your digital token or physical token to securely add a new payee and/or authorise a high-value transaction that is above your security threshold limits.
Simply log in to UOB Personal Internet Banking or UOB TMRW App to check the status of your online FAST transaction after the online transaction is done.
For incoming funds transfers via FAST which are performed (i) after approximately 10.30pm on any day from Monday to Saturday (other than a public holiday); or (ii) on a Sunday or public holiday, UOB will effect the value date of such FAST transactions as the next business day. Such FAST transactions will be posted to your UOB account the next business day and prevailing interest (if applicable) will accrue from the next business day onwards.
Yes, you will receive either SMS or email notification alert sent to you for the relevant Fund transfer transaction. If you wish to manage your alerts, simply Log in to Personal Internet Banking and click on Account services > Manage alerts to select your preference.
There are no minimum transaction limits for FAST. You may transfer funds subject to your daily or monthly transfer limits. The default Funds Transfer limit is S$5,000.
You can use FAST on participating banks’ Internet Banking websites to make a funds transfer to your UOB Credit Card (15/16 digit card number)*.
FAST payments will be credited to your UOB credit card almost immediately but the transaction will only be shown on the following day. Your credit balance will however be reflected and available immediately.
*Subject to the participating bank’s capability to support up to 16 digits account number.
Loan payment on FAST is not available.
This new feature allows customers to perform funds transfers almost immediately to any of the participating banks using a UOB Card at any UOB ATM islandwide.
Currently the participating banks are:-
ANZ Bank
Bank of China Limited
BNP Paribas
CIMB Bank
Citibank
DBS Bank
Deutsche Bank
Far Eastern Bank
HL Bank
HSBC
MayBank
Mizuho Bank Limited
OCBC Bank
RHB Bank
Royal Bank of Scotland
Standard Chartered Bank
Sumitomo Mitsui Banking Corporation
The Bank Of Tokyo-Mitsubishi Ufj, Ltd
United Overseas Bank
All Savings and Current account types that are currently available for ATM funds transfers can be used to perform FAST funds transfers.
Current account types: One Account, KrisFlyer UOB Account, Privilege Account, I-Account, Cashplus etc.
Saving account types: Stash, Uniplus, Junior Savers, Passbook Saving, TX etc.
No, FAST can only be used for Singapore Dollar funds transfers between bank customer accounts of the participating banks in Singapore.
Corporate customers will not be able to do FAST at ATMs. Please perform funds transfer either on Business Internet Banking or at any UOB Branches.
The current funds transfer feature requires a UOB card with linked bank accounts to be used at OCBC ATMs for transfer to a OCBC bank account.
Please inform your payee to contact his/her bank for assistance.
Currently the transaction fee is waived.
Do exercise caution when you key in the amount and bank account number for any electronic funds transfer services via UOB ATMs, UOB Personal Internet Banking or UOB TMRW app. As funds transferred via FAST will be credited to the recipient’s bank account almost instantly, please contact your bank immediately if you have made a wrong funds transfer.
The daily funds transfer limit is S$3,000. This limit is shared with funds transfer to other UOB account and OCBC account.
Example:
Customer performs a transfer of S$1000 to other UOB account and S$1000 to OCBC account. He will then be able to transfer another S$1000 using FAST funds transfer.
Yes, you will receive either SMS or email notification alert sent to you for the relevant Fund transfer transaction. If you wish to manage your alerts, simply Log in to Personal Internet Banking and click on Account services > Manage alerts to select your preference.
It's a feature in UOB TMRW that offers you personalised information based on your account activity.
That's because we personalise the content based on your account information.
UOB Insights is part of UOB TMRW feature, hence you will not be able to opt out of UOB Insights.
Check if you have the latest version of UOB TMRW. If you do and still can't see it, don't worry – we're progressively rolling this feature out to everyone!
We create insights based on the historical transactions on your account. This allows us to offer you relevant suggestions and banking incentives that may help better your banking experience.
Important insights usually only disappear after you tap on them to learn more. Sometimes, they'll also disappear when newer insights are available – this usually happens if you're active on your account.
UOB Insights estimates your cash flow based on your transactions over the past 6 months. They are thus meant to be taken as guides, not hard facts.
As UOB Insights only looks at your transactions over the past 6 months, any merchant will be considered new if you haven't visited that merchant in that time frame. Also, each merchant branch is registered individually.
Rebates have their own exclusions and timeframes. UOB Insights isn't meant to be a rebate tracker; its main purpose is to help you understand your finances better.
You may subscribe to eStatement via UOB TMRW app or UOB Personal Internet Banking.
Via UOB TMRW
Step 1
Log in to UOB TMRW and tap "eStatements". Alternatively, you could tap on "Services" and select "eStatements" under Transactions.
Step 2
Tap "Manage" found on the top right corner of the screen.
Step 3
Tap "Switch Now".
Step 4
Select the accounts, investments or cards that you wish to switch to electronic statement.
Step 6
You have successfully enrolled for your eStatement.
For more information, please click here. Alternatively, you could also subscribe to eStatement on UOB Personal Internet Banking.
Once you have successfully signed up for the service; your eStatement will be available for viewing on your digital account from the next statement cycle onwards. This feature has 5 years of archival of your electronic statement; it will be from the date of subscription. Hence, the option for back dated statement prior to the time you sign up to the service is not available. Please be advised that eStatement option is only available for statement-based Current and Savings accounts (excluding Passbook Savings Account), Credit/Debit Cards and CashPlus accounts.
For more information, please visit the UOB estatement website.
a) An SMS alert will be sent to notify you that your eStatement/eAdvice or eStatement and selected eAdvice is ready for viewing.
b) Login to UOB PIB or UOB TMRW app.
Via UOB TMRW
Please click here for the step-by-step guide on how to view/download eStatement on UOB TMRW.
Via UOB Personal Internet Banking (PIB)
Step 1: An SMS alert will be sent to notify you that your eStatement/eAdvice or eStatement and selected eAdvice is ready for viewing.
Step 2: Login to UOB PIB.
Step 3: Click on ‘eStatement’ or ‘eAdvice’ on the left menu bar.
Step 4: You will be prompted for your OTP (One-time password). Enter your OTP (One-time password), and select the monthly statement/advice you wish to view or download.
The service is free of charge.
