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Find out more Meet UOB TMRW, the all-in-one banking app built around you and your needs.
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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.
No minimum or maximum deposit requirements, plus no fall-below fees
This can be done anytime on the UOB TMRW app or Personal Internet Banking
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 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.
Maximum Effective Interest Rate (EIR) on the LockAway Account is 2.45% p.a. for deposits of S$125,000 from 1 April 2024. Terms and Conditions apply.
Funds from the UOB LockAway Account can only be withdrawn in person and not by any other means, including but not limited to online transactions, Personal Internet Banking, Mobile Services, cheque, ATM withdrawals and debit instructions given through the Call Centre Service. For the avoidance of doubt, debit instructions will only be accepted for the UOB LockAway Account if you provide the debit instruction in person at any of our branches in Singapore. Watch this space for more information and refer to our FAQs.
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.
For customers without any UOB savings account:
You’ll need to open one before you can sign up for a UOB LockAway Account. You can do this instantly via the UOB TMRW App as well!
Step 1: Apply for a UOB current/savings account online first.
Step 2: Once your new current/savings account is opened, apply for a UOB LockAway Account online or via the UOB TMRW app and get instant approval. On the TMRW login page, tap on More > Deposit Accounts > UOB LockAway Account.
Step 3: Transfer in money you don’t need access to everyday using internet banking or the UOB TMRW app, and keep your money locked away from digital scams.
For foreigners and joint LockAway Account opening requests, please visit a UOB branch for assistance.
Once funds are transferred into this account, it will be locked. 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.
For more information, refer to our FAQs.
On the ‘Pay or Transfer’ page in UOB TMRW app, tap on ‘My UOB Accounts / Cards’.
Select the UOB LockAway Account to transfer to.
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.
On the ‘Pay or Transfer’ page in UOB TMRW app, tap on ‘My UOB Accounts / Cards’.
Select the UOB LockAway Account to transfer to.
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.
The campaign reward is only for the first 130 customers per calendar month (i) who submit an account opening application between 1 January 2024 to 30 March 2024 (both dates inclusive) for a new UOB LockAway Account as primary account holder, (ii) whose application is successfully approved by 30 March 2024, (iii) who have not held and/or closed a LockAway Account from 27 November 2023 to the date of the Application (both dates inclusive), (iv) deposit min. S$30,000 of Fresh Funds into their new UOB LockAway account during the calendar month which their new UOB LockAway account opening month falls within, and (v) hold the deposited Fresh Funds in their new UOB account till the end of the following calendar month. For Existing-to-UOB Deposit customers, the Fresh Funds deposited into the new UOB account must result in a corresponding increase of at least S$30,000 when compared against the total amount standing to the credit of all their other UOB current accounts and/or savings accounts month-end balance before their new UOB account opening month. Full terms and conditions apply and can be accessed here.
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).
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.
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.
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.
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).
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.
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.
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.
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:
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:
Click here for security FAQs.
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:
Important information on the use of UOB Accounts and Services
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
The debit card and account that are miles ahead.
The only savings account that gives you unstoppable rewards
Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 4.00% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.
Maximum Effective Interest Rate (EIR) on the Stash Account is 3% p.a. for deposits of S$100,000, provided the customer’s Monthly Average Balance (MAB) for the present calendar month is equal to or more than the MAB for the preceding calendar month. Terms and Conditions apply.
Find out more at KrisFlyer UOB Debit Card & Account.
Stay connected on your travels with extra savings on ChangiWiFi.
Payment must be made with KrisFlyer UOB Debit Card at Changi Recommends counter. Limited to one redemption per calendar year per cardmember. Offer is subject to WiFi router availability.
Enjoy savings on airport transfers with S$10 off Grab rides to or from the airport with promo code: KFUOB
Valid for Grab ride to or from Singapore Changi Airport with promo code KFUOB. Payment for the ride must be made with a KrisFlyer UOB Debit Card via the Grab mobile application. Valid on all Grab rides except GrabShuttle and GrabHitch. Limited to one redemption per half yearly per cardmember.
Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 4.00% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.
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.
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