COVID-19: Relief measures and digital solutions for individuals

  • Seeing you through to better timesSeeing you through to better times

    Seeing you through to better times

    The COVID-19 pandemic has deeply impacted lives and livelihoods. While many uncertainties remain, we want you to know that we are committed to supporting you through this challenging period.


Latest advisory

  • As we stay home and stay safe, we encourage you to use our digital banking services such as UOB TMRW and Personal Internet Banking or our phone and self-service banking services wherever possible.
  • Keep safe against cybercrimes. Online and phone scams are on the rise. Never disclose your Personal Internet Banking username, password, One-Time Password (OTP), banking account or credit/debit card details to anyone. More on staying safe online.
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Help for Individuals

Property loans

  • The ESS aims to help customers with UOB property loans during these difficult times with a reduced instalment plan for up to 9 months or 31 December 2021, whichever date is earlier.
  • The reduced instalment will be 60 per cent of your loan’s monthly instalment. The reduced monthly instalment must be enough to cover the loan interest and partial principal sum.
  • To be eligible:
    • Your loan account should not be more than 90 days past due; and
    • You have proof of income reduction of at least 25 per cent or loss of employment due to COVID-19.
      (Please refer to FAQs Q6 for details)

ESS FAQs : UOB Property Loan Reduced Instalment Plan

Applications for the relief measures under ESS Property Loan have closed effective 1 October 2021. Please email us at for any enquiries.

Car loans

  • You can apply to defer the payment of your car loan or hire purchase agreement. Applications will be assessed on a case-by-case basis.
  • We will take into account factors such as your financial situation, need for the use of a motor vehicle, the current market value of the motor vehicle and its estimated market value after the deferment period (if applicable).

FAQs on UOB Car Loan Repayment Relief Programme


Apply for relief (Car Loan)

Credit cards / Personal loans

Special Financial Relief Programme (Unsecured) has ceased with effect from 1 October 2021.

For assistance, please contact our hotline at 1800 222 2121.

If you are calling from overseas, please dial "+65 6" in place of any number starting with "1800".

Airtime charges apply for mobile calls made to "1800" local toll free service numbers.


Debt Consolidation Plan (DCP)

Extension of tenor for existing Debt Consolidation Plan has ceased with effect from 1 October 2021.

For assistance, please contact our hotline at 1800 222 2121.

If you are calling from overseas, please dial "+65 6" in place of any number starting with "1800".

Airtime charges apply for mobile calls made to "1800" local toll free service numbers.

SFRP and your credit bureau report

1. Will my credit report be impacted if I were to take up any form of assistance offered under the Special Financial Relief Programme (SFRP) such as the payment deferment programme or lower-interest personal unsecured credit facilities?
The subject loan granted under the SFRP will not be reflected as a restructured loan in your credit bureau report. A brief description will be reflected in your credit bureau report to indicate your participation in the programme.

2. How will the description indicating my participation in the SFRP in my credit bureau report impact me?
The record is for analytics purposes. Information from the credit bureau is important to enable financial institutions to understand consumers’ credit behaviour and to inform their market strategy to serve customers better. Financial institutions may use some of this information to provide appropriate financial advisory or financial products for their customers given the short term financial condition of individuals due to the COVID-19 situation.

You will still be eligible to take up new loans with UOB even if you are participating in the SFRP, unless otherwise specified in the terms of the relief measure you have taken up, such as SFRP (Unsecured).

Your participation in the SFRP will not result in the reduction of your existing credit limits or credit lines with us, nor will it impact your application for new loans or higher credit limits with us.

3. How will my participation in SFRP be reflected in my credit bureau report?
Your participation in the SFRP will be reflected as a footnote in the credit bureau report. It will include information such as the specific SFRP relief measure(s) you have taken up, the most recent payment status, start date and end date of the relief programme.

4. Will this information remain in my credit bureau report permanently?
No, all SFRP-related information will be removed upon closure of the underlying account / at the end of the programme, whichever is earlier.

Bank and Pay Digitally

UOB TMRW and UOB Internet Banking

We are committed to providing you with the usual services with minimal disruption and maximum convenience with UOB TMRW and UOB Personal Internet Banking during this period so that you can continue to bank in the safety and comfort of your home anytime.

Key services available include:

Stay Safe Online

Practise good digital hygiene

During this period, you may receive calls related to contact tracing, or from scammers impersonating bank or government officials. Please remain vigilant and do consider adopting these best practices to keep your personal data safe:

  • Be alert. Do not share any personal information, your bank account (including user ID, password and OTP) and credit card details with anyone. Never grant remote access of your computer to anyone.
  • Be cautious. No government officials or those who are involved in the contact tracing exercise will ask for banking information or require remote access of your computer.
  • Be safe. Contact us at 6255 0160 if you have received a dubious call, or have inadvertently disclosed your personal or banking information. If you believe you have been a victim of fraud, please call 999 immediately for police assistance.

Learn more about protecting yourself against scams