How UOB protects you

How UOB protects you

Enjoy convenience and confidence with UOB online banking, thanks to our multi-layered security approach. Learn more about how we keep your transactions safe.

UOB Security Measures

Please ensure that you have the latest version of UOB TMRW app to get updates.

Watch this video to learn more on our latest measures.
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  • Digital Banking
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  • General Banking
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Enhanced real-time fraud surveillance to safeguard your transactions
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Digital Banking

Enhanced real-time fraud surveillance to safeguard your transactions NEW!

As part of the Shared Responsibility Framework (SRF) issued by the Monetary Authority of Singapore (MAS) and Infocomm Media Development Authority (IMDA) for phishing scams, UOB will enhance our real-time fraud surveillance system effective from 16 June 2025.

Some transactions may be temporarily held for up to 24 hours, which is a necessary measure to protect you.

If this transaction is not performed by you, please log in to UOB TMRW immediately to cancel this transaction by navigating to 'Accounts' tab > Transactions. Alternatively, you may contact our dedicated 24x7 Fraud Hotline 6255 0160 and press “1” to report a case.

For more information on SRF, please click here.

Note: Ensure that you have the latest version of UOB TMRW app to get updates.

    Secure banking with instant notifications
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    Digital Banking and Cards

    Enjoy secure banking with instant notifications NEW!

    From April 2025, the existing SMS alerts will be progressively changed to push notifications via UOB TMRW and email alerts for impacted digital, banking and card transactions.
    The threshold for transaction alerts will also be set to the bank’s default settings for these impacted transactions

    To ensure your transaction notifications are not disrupted, please enable push notifications in your phone settings and update your email address today.

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      Digital Banking

      Access to UOB TMRW app will be restricted if USB/Wireless debugging is enabled on your Android device NEW!

      To protect your exposure to scams, access to the UOB TMRW app will be restricted once we detect USB/Wireless debugging is enabled on your device, as it might be used by fraudsters to enable remote screen viewing and execute unauthorised transactions.

        12-hour cooling period for transfer limit change
        12-hour_cooling_period_for_transfer_limit_change
        Digital Banking

        12-hour cooling period for transfer limit change

        From December 2024, there may be a 12-hour cooling period* when you submit a request to change your limit (3rd party local and overseas fund transfer). This is to combat online banking fraud and protect your accounts.

        *This is in addition to the 12-hour cooling period for the activation of your new digital token.

          Protect your savings with Money Lock
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          General Banking

          Protect your savings from digital scams with Money Lock

          Set a Money Lock amount in your existing UOB accounts to prevent unauthorised withdrawals.  Rest assured, your money continues to earn the same interest (up to 6% p.a. for UOB One Account). Simply use the UOB TMRW app or visit any UOB ATM in Singapore to lock any amount, anytime. You can unlock your funds at any UOB ATM in Singapore.

          SGD deposits are insured up to S$100k by SDIC.

            Introducing Singpass Face Verification (SFV) to protect you against phishing scams
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            Digital Banking

            Introducing Singpass Face Verification (SFV) to protect you against phishing scams

            As part of the latest industry move to strengthen the resilience against phishing scams, we have introduced Singpass Face Verification (SFV) as part of the Digital Token set-up.

            This additional layer of authentication will be prompted if there is any unusual or suspicious activity detected during the Digital Token setup process, which will make it harder for scammers to gain access to your accounts. This is in addition to the authentication required when you perform high-risk transactions currently, and is part of the bank’s continuous efforts to reinforce existing processes and controls, to detect and block suspicious transactions and accounts.

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              Kill Switch (Disable digital access and block your cards)

              Kill Switch
              (Disable digital access and block your cards)

              This will disable your digital access to Personal Internet Banking, UOB TMRW app and block all your UOB Debit/Credit cards instantly. Note that Kill Switch does not suspend these services. Learn more.

              2 ways to do so:

              • Call our 24-hour Fraud Hotline at 6255 0160  › Press 4 to activate Kill Switch Learn how
              • Call General Hotline at 1800 222 2121, press 1 (for English) or 2 (for Chinese) > press 1 > press 2

              Upon activating our self-service "kill switch" feature, you will receive two SMS notifications confirming the activation of the Kill Switch, which disables your digital access and blocks all your UOB Debit/Credit cards.

              Any active digital login session will be terminated.

              To re-activate your digital access, please call our General Hotline at 1800 222 2121 or visit your nearest UOB branch for assistance.If you wish to re-enable all your UOB Debit/Credit cards, please unlock them via the UOB TMRW app, or call our General Hotline at 1800 222 2121, or visit your nearest UOB branch for assistance.


              Call Hotline Find UOB Branch

              Things you should know

              Our security best practices and policies
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              • UOB Group Internet Banking Privacy Practices

                • The United Overseas Bank Group (UOB Group) is committed to maintaining best Privacy Practices to create, as far as possible, a secure Internet banking environment for our customers. We encourage our customers to similarly observe best practices that are within their control.

                  Our best practices include:

                  1. Collection Of Customer Information
                    We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us. We will use any information collected as minimally as possible, mainly to assist us in customising and delivering services and products that are of interest to our customers. Under no circumstances will we ask customers to reveal their Personal Identification Numbers (PINs) or Passwords.

                  2. Handling Of Customer Information
                    We have established strict confidentiality standards for safeguarding information on our customers.

                  3. Disclosure Of Customer Information
                    Unless we have the customer's agreement or are required by law, we will not disclose customer information to external parties.

                  4. Compliance By External Parties
                    External parties who, in the course of providing support services to us, may come into contact with customer information, are required to observe our privacy standards.

              • UOB Group Internet Security Technology

                • We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions.

                  We employ several different methods to protect customers' account and personal information:

                  1. Firewalls
                    We have multiple levels of firewalls in place between our internal computer systems and the Internet.

                  2. Encryption
                    Strong encryption protects customer information as it travels over the Internet. We use the 128-bit Secure Sockets Layer (SSL) encryption to protect the confidentiality of customers' account details and transaction data. This 128-bit SSL encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Singapore and financial institutions worldwide.

                  3. Username and Password
                    Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorised users only are admitted into our secure site(s).

                  4. Technology Devices
                    UOB may, from time to time, issue Devices and/or establish security procedures that you may need to execute in order to use certain UOB Internet Banking services related to the Devices.

                    You may use the Devices (whether or not in conjunction with the Username and/or Password or otherwise):
                    • To initiate, effect, perform and/or dispatch any instruction or any communication to UOB;
                    • To obtain or utilise any service that may be offered or made available by UOB through the Website or UOB Internet Banking service;
                    • To access and obtain information as may be permitted by UOB (whether relating to your Account(s), service or otherwise); and
                    • To effect any transaction with UOB which may be made available by UOB, subject to the terms of this Agreement and to other restrictions, limitations, terms and conditions of UOB then applicable


                  5. Automatic Log Out
                    As an additional security measure, our system may log you out of your Internet banking session after a period of inactivity

                  We are committed to monitoring our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to exploring new technology continually to enhance our Internet security system.



              • List of Official UOB Group Website Addresses
              • Customer Choices in the Event of Unavailability of the UOB Group Internet Banking/Transaction Website(s)
              • E-Payments: User Protection Guidelines and FAQs

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