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UOB LockAway Account

UOB LockAway AccountTM

Digital scams are on the rise. Give your savings an added layer of security with the all-new UOB LockAway Account and transfer in money to keep it locked away from digital scams.

Add on the UOB LockAway Account today for greater peace of mind, for money you don’t need everyday access to. Any withdrawal of funds must be done in-person at any of our UOB branches in Singapore.

Lock away any amount. No minimum, no maximum, no fall-below fees.

Get extra protection for your money, now

Add on the UOB LockAway Account today for greater peace of mind, for money you don’t need everyday access to.
Instant account opening

Instant account opening

Open a UOB LockAway Account via UOB TMRW app or online and get instant approval

Lock away any amount

Lock away any amount

No minimum or maximum deposit requirements, plus no fall-below fees

View your account or top it up 24/7

View your account or top it up 24/7

This can be done anytime on the UOB TMRW app or Personal Internet Banking

Continue to earn interest on your savings

Continue to earn interest on your savings

Get up to 5% p.a. interest on your savings with the UOB LockAway Account

In-person only access at a UOB branch

In-person only access at a UOB branch

For your added protection, withdraw your money only in person, at any UOB Singapore branch

How it works

For customers with an existing UOB savings account:

Already have a UOB savings account? You can go ahead and open a UOB LockAway Account instantly.

Step 1: Open your UOB LockAway Account instantly online or via the UOB TMRW app. On the TMRW login page, tap on More > Deposit Accounts > UOB LockAway Account.

Step 2: Transfer in money you don’t need access to everyday using UOB TMRW app or internet banking, and keep your money locked away from digital scams.

For foreigners, individuals with only joint UOB accounts, as well as joint LockAway Account opening requests, please visit a UOB branch for assistance.

Once funds are transferred into this account, withdrawals (including withdrawals to transfer funds into your own accounts) can only be done in person, with your NRIC or Passport, at a UOB branch in Singapore, and not by any other means.

For more information, refer to our FAQs.

How to transfer money into your UOB LockAway Account

Once done, you will be able to see your LockAway Account balance in the UOB TMRW app or Personal Internet Banking.
/Step 1

Step 1

On the ‘Pay or Transfer’ page in UOB TMRW app, tap on ‘My UOB Accounts / Cards’.

/Step 2

Step 2

Select the UOB LockAway Account to transfer to.

/Step 3

Step 3

Next, select the debiting account to transfer from, followed by the amount and date of transfer. Tap "Next" to review details and confirm. Follow the on-screen instructions to complete your funds transfer. A transaction success page will be displayed once the funds transfer is completed.

/Step 1

Step 1

On the ‘Pay or Transfer’ page in UOB TMRW app, tap on ‘My UOB Accounts / Cards’.

/Step 2

Step 2

Select the UOB LockAway Account to transfer to.

/Step 3

Step 3

Next, select the debiting account to transfer from, followed by the amount and date of transfer. Tap "Next" to review details and confirm. Follow the on-screen instructions to complete your funds transfer. A transaction success page will be displayed once the funds transfer is completed.

Access your funds at any UOB branch

For your protection, any withdrawal of funds must be done in person, with your NRIC or Passport, at any of the UOB branches in Singapore during the branch’s usual operating hours. Debit cards and ATM cards will not be issued for this account so you can have peace of mind that your funds stay where they should be.

Plus, you can still earn up to 5% p.a. interest on your savings with the UOB LockAway Account

 

Account Balance Interest Rate (p.a.)
1 Apr 2024 onwards
First S$20k 0.05%
Next S$40k 1.50%
Next S$40k 3.00%
Next S$25k 5.00%
Above S$125k 0.05%

    Tips to protect yourself against scams

    The best line of defense to fight scams is public vigilance. Please follow these tips to protect yourself against scams.

    Click here for more security tips.
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    Do not click on suspicious links

    UOB will never send you SMS or email with a clickable link. UOB will never ask you to download another app to apply for UOB LockAway Account, or make a fund transfer to a third party account.

    If unsure, verify it on official channels (such as UOB’s official website).

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    Do not download apps from third-party websites

    Use only apps from official app stores, as installing unknown apps may put your phone and data at risk.

    To prevent this:
    Go to "Settings" > "Security and Privacy"* > "Install unknown apps" and verify that no app is granted permission to install other applications from untrusted sources.

    *Please note that the above path may differ by device manufacturer and operating system.

    /

    Never disclose your details

    Keep your personal/internet banking details and one-time passwords (OTPs) confidential at all times and do not divulge it to anyone. UOB and our partners will never request for your details.

    /

    Always verify your account details to mitigate risk of potential fraud and unwarranted account activity

    Once you have opened the new UOB LockAway Account, log in to UOB TMRW app and tap "Accounts" to view your new account details. Alternatively, you can log in to UOB Personal Internet Banking to check your new account details.

    If you have performed a fund transfer to your UOB LockAway Account, you can also log in to either UOB Personal Internal Banking or UOB TMRW app to check on your account balance.

    /

    Do not click on suspicious links

    UOB will never send you SMS or email with a clickable link. UOB will never ask you to download another app to apply for UOB LockAway Account, or make a fund transfer to a third party account.

    If unsure, verify it on official channels (such as UOB’s official website).

    /

    Do not download apps from third-party websites

    Use only apps from official app stores, as installing unknown apps may put your phone and data at risk.

    To prevent this:
    Go to "Settings" > "Security and Privacy"* > "Install unknown apps" and verify that no app is granted permission to install other applications from untrusted sources.

    *Please note that the above path may differ by device manufacturer and operating system.

    /

    Never disclose your details

    Keep your personal/internet banking details and one-time passwords (OTPs) confidential at all times and do not divulge it to anyone. UOB and our partners will never request for your details.

    /

    Always verify your account details to mitigate risk of potential fraud and unwarranted account activity

    Once you have opened the new UOB LockAway Account, log in to UOB TMRW app and tap "Accounts" to view your new account details. Alternatively, you can log in to UOB Personal Internet Banking to check your new account details.

    If you have performed a fund transfer to your UOB LockAway Account, you can also log in to either UOB Personal Internal Banking or UOB TMRW app to check on your account balance.

    Frequently Asked Questions

    What are the security features of this account?
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    UOB LockAway Account is a dedicated SGD savings account with a separate account number which restricts all self-service fund transfers and usage. The restricted transactions include but are not limited to digital banking debit fund transfer, ATM withdrawal, debit card purchase and GIRO transfer.

    Funds can be transferred into your UOB LockAway Account through FAST transfers, cash deposits and other means. You may decide how much funds to be kept in your UOB LockAway Account.

    You are only allowed to access your funds through UOB Singapore bank branches, where we are able to verify you in person. This is a safety net to safeguard against scammers who had illegally obtained access to your phone or banking app.

    For more information, refer to our full list of FAQs.

    ATM card, debit card, passbook or cheque book will not be issued for this account.

    You may log into your UOB TMRW app or UOB Personal Internet Banking to view your account balances.

    All funds transferred into UOB LockAway Account cannot be withdrawn from ATM, or digital banking, even by yourself. Please ensure sufficient balance in your other UOB accounts to address any immediate need.

    If you need to withdraw funds from your UOB LockAway Account, please visit any UOB Singapore branches. Please bring along your NRIC or Passport for identity verification purpose.

    You will not be able to utilize funds from UOB LockAway Account for recurring fund transfer transactions (such as GIRO), even if you request this at our branches.

    UOB LockAway Account funds can only be accessed through Singapore UOB branches. You will not be able to request for any withdrawal through phone banking, or any other regular UOB channels.

    Please ensure that you have sufficient balances in your other UOB accounts before you travel overseas.

    This is most likely a scam. UOB will never send you SMS or email with a clickable link or ask you to download another app to apply for UOB LockAway account. Please contact our dedicated 24/7 Fraud Hotline at 6255 0160 and press “1” to report a case. You will need to provide the following details:

    1. Date and time of the fraud
    2. Describe how the fraud occurred
    3. The fraudulent transactions on your cards or accounts (if any)
    4. A copy of the police report. To file a police report, please visit your nearest police station or file it online via Singpass.

    This is most likely a scam. Please do not respond to calls or messages asking for funds transfer or approval on transactions. Please do not disclose your banking login details or OTP to anyone. Please contact our dedicated 24/7 Fraud Hotline at 6255 0160 and press “1” to report a case. You will need to provide the following details:

    1. Date and time of the fraud
    2. Describe how the fraud occurred
    3. The fraudulent transactions on your cards or accounts (if any)
    4. A copy of the police report. To file a police report, please visit your nearest police station or file it online via Singpass.

    Click here for security FAQs.

    Eligibility and fees

    Eligibility & Fees
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    Age

    • 16 years old and above for online application

    • 15 years old and above for application via branch

    Early Account Closure Fee

    S$30 within 6 months from opening

    Fall-below Fee
    Waived

    For Singapore Citizens/Permanent Residents,

    Apply online with Myinfo using Singpass login

    For Foreigners and customers who are unable to submit the application online,

    Please proceed to any UOB Branch for assistance. You will require:

    • Passport / Identity Card
    • Proof of Local Residential Address
    • Employment Pass/S Pass/Dependent Pass (for foreigners only)

    Important information on the use of UOB Accounts and Services

    Terms & Conditions

    Ready to apply?

    Ready to apply?

    For customers with an existing SGD current/savings account, open your UOB LockAway Account instantly online or via the UOB TMRW app.

    For foreigners and individuals with only joint UOB accounts, please visit a UOB branch for assistance.

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      The debit card and account that are miles ahead.

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      Don’t have a UOB savings account yet?

      Choose from savings accounts that give you up to 7.8% p.a. interest, bonus miles and more. Apply online now to be eligible for a LockAway Account.
      UOB One Account

      UOB One Account

      Skip to the good part and get higher interest on your savings with One Account

      • Up to 7.8% p.a. interest in just 2 steps
      • Spend a min. of S$500 monthly on an eligible UOB Card and credit your salary OR make 3 GIRO transactions per month

      UOB Stash Account

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      It’s so easy to Stash it and let your savings grow – now with up to 5% p.a. interest!

      • Simply maintain or increase your balance every month
      • No lock-in period! This means having access to your savings anytime while still earning interest every month.

      KrisFlyer UOB Debit Card and Account

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      The debit card and account that are miles ahead.

      • For every S$1 spend:
        • Earn 1 mile on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
        • Earn 0.4 miles on all other spend
      • Plus, get up to additional 6 miles per S$1 spend when you spend and save with KrisFlyer UOB Account.
      • Get S$10 off ChangiWifi and Grab rides to or from the Airport
      • Exclusive benefits from Scoot (via flyscoot.com/KrisFlyerUOB) such as priority check-in and boarding, additional baggage allowance and more!

      UOB Lady’s Savings Account

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      The only savings account that gives you unstoppable rewards

      • Earn up to 25X UNI$ per S$5 spend (equivalent to 10 miles per S$1) on your preferred rewards category(ies) when you save with UOB Lady’s Savings Account and spend on UOB Lady’s Credit CardNEW!
      • Free female cancer coverage of up to S$200,000 as you save
      • Dental privileges
      • Earn up to 10% instant cashback with UOB$ programme for UOB Lady’s Debit Cardholders.

      UOB Uniplus Account

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      A simple, fuss-free savings account with monthly statement to track your banking transactions easily.

      • Earn higher promotional interest rates when you top up Fresh Funds
      • Get up to 3% rebate on online shopping, groceries, transport and more with your UOB One Debit Mastercard

      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.

      Find out more

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