Transition of
Citi Consumer Business
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Citigold & Citi Priority
A. Deposits
1.
As a UOB Privilege Banking client, will I be charged RM8 issuance, replacement or annual fee for my Debit Card?
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As our UOB Privilege Banking client, the RM8 issuance, replacement or annual fee for Debit Card will be waived after the migration.
B. Wealth Management
1.
What will happen to my current Citigold status?
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You will be migrated as our UOB Privilege Banking client; there will be an eDirect Mailer and letter notification that will be sent to you after the migration.
2.
What will happen to my current Citi Priority status?
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You will be migrated us as a UOB Wealth Banking client; there will be an eDirect Mailer and letter notification that will be sent to you after the migration.
3.
After I have been migrated over as a UOB Privilege Banking client from Citigold, will I still be served by the same Citibank Relationship Manager?
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You will receive an eDirect Mailer and a letter of notification after the migration regarding your Client Advisor assignment.
4.
After I have been migrated over as a UOB Wealth Banking client from Citi Priority, will I be assigned to a dedicated Relationship Manager?
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Yes, as a UOB Wealth Banking client you will be assigned a dedicated Relationship Manager to assist in managing your portfolio.

You will receive an eDirect Mailer and a letter of notification after the migration regarding your Relationship Manager assignment.
5.
As a UOB Privilege Banking client, what are my privileges and benefits?
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As our UOB Privilege Banking client, you will have seamless access to a broad range of privileges.
Kindly visit our dedicated website here.
6.
As a UOB Wealth Banking client, what are my privileges and benefits?
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As our UOB Wealth Banking client, you will have seamless access to a broad range of privileges. Kindly visit our dedicated website here.
7.
As a UOB Privilege Banking & UOB Wealth Banking client, will there be any changes to my wealth management solutions?
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At UOB, our approach to wealth management places emphasis on helping you achieve your personal priorities and goals based on a Risk First Approach. Our Client Advisors and Relationship Managers will be happy to have an open discussion with you about risk and wealth opportunities.
8.
What is UOB Medical Concierge?
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The UOB Medical Concierge is a complimentary service offered exclusively to our Privilege Banking clients by providing access to premier healthcare and wellness services in Singapore, including specialists’ referrals and exclusive health screening packages.

We partner with two of the Singapore’s leading healthcare providers, which are IHH Healthcare (“IHH”) and Singapore Medical Group (“SMG”) where it allows our clients to perform medical triage service and direct them to the most suitable medical specialist based on their need. IHH and SMG are also able to arrange for medical service provider referral, appointment scheduling and even arrangement of language interpretation assistances as well.
9.
What are the benefits under Medical Concierge?
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Below are the few benefits where clients will be enjoying under Medical Concierge:-
  • The medical partners can perform medical triage service and direct clients to suitable specialists from among a network of more than 1,500 specialists, based on client’s needs.
  • Client will enjoy exclusive health screening packages with special pricing which also included selection of Traditional Chinese Medicine (TCM) treatments under IHH Healthcare, as well as dental and ophthalmology packages under SMG.
  • Client is able to contact the Medical Concierge partners at their convenience including through a dedicated hotline and email for both IHH Healthcare and SMG and also WhatsApp for SMG.
  • Client will have access to medical escort services for SMG in Singapore and language interpretation services for client appointments.
  • Medical Concierge can also assist client with their travel and selected visa arrangements if client or their loved ones need to come to Singapore for consultations.
Kindly visit our dedicated website here.
10.
What is UOB Education Advisory?
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The UOB Education Advisory is a complimentary service offered exclusively for our Privilege Banking and Wealth Banking clients by helping clients navigate the global education landscape so their child has a smoother journey pursuing his or her dreams.

In partnership with premier education consultancy AUG Student Services (“AUG”), AUG provides a one-stop complimentary advice and expert guidance in exploring overseas education options for client’s loved ones while enjoying fee waivers and preferential rates.
11.
What are the benefits under Education Advisory?
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Below are the benefits where clients will be enjoying under Education Advisory:-
  • Application fee waiver (for selected overseas institutions)
  • Private consultation (one-on-one consultation and pre departure briefings)
  • Discounted rate for programme (for study tours and holiday programme)
  • Door-to-door airport pickup (pick up upon arrival at selected study destinations)
  • School visits and accommodation (arrangement of school visits and student accommodation)
  • Consultation on migration (Free initial consultation and assessment on migration to Australia)
  • Complimentary 30-minutes private one-to-one consultation with a qualified Myers Briggs Type Indicator (“MBTI”) Counsellor.
Kindly visit our dedicated website here.
12.
What is UOB Travel Concierge?
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The UOB Travel Concierge is a complimentary service offered exclusively for our Privilege Banking clients to assist them on their travel needs.

In partnership with UOB Travel Planners, they will provide travel ideas, itineraries tailored to clients’ needs and furthermore, client can enjoy exclusive privileges when they book with UOB Travel Concierge.
13.
What are the benefits for Travel Concierge?
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Below are the benefits where clients will be enjoying under Travel Concierge:-

Luxury Hotel Programme
Clients will receive exclusive privileges at selected Marriott Hotels, Hyatt Hotels, Shangri-La Hotels and more and enjoy complimentary room upgrade, dining credits, amenities and other special benefits under this programme. Clients can refer to the website here for the full offerings under this programme.

Hotel Tier Matching
Clients will receive an exclusive fast track upgrade to Pan Pacific DISCOVERY Platinum status without the need to fulfil any stay and spend requirements. Clients will earn up to 6% rewards dollars, receive double upgraded rooms, welcome amenities and local offers during client’s stay, exclusive seasonal offers up to 40% savings, enjoy immersive experiences and offers and more. Clients can refer to the website here for the full offerings under this programme.

Overseas Shopping
Clients will be able to obtain curated services for their overseas shopping at Printemps and The Bicester Collection. Clients can book exclusive experience such as personal shopper, handsfree shopping experience, private transfer, additional discount, special tax refund, private lounge access, fast pass for priority entrance and more. . Clients can refer to the website here for the full offerings under this programme.

Kindly visit our dedicated website here.
14.
How many UOB branches are there and will there be any exclusive dedicated centers for UOB Privilege Banking clients?
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There are 55 UOB branches nationwide. For full UOB branch listing, client can refer to UOB website here.

There are 39 Privilege Banking Centres in Malaysia that gives you access to complete privacy and comfort when it comes to your wealth matters. Consult your Client Advisor to conduct your transactions while enjoying priority queues, as well as preferential services and pricing on products such as Telegraphic Transfers and FX rates at any of our Privilege Banking Centres nationwide. For the full UOB Privilege Banking Centre listing, client can refer to UOB website here.

Both UOB branches and Privilege Banking Centres banking hours are Monday to Friday - 9.30am to 4.00pm (unless otherwise specified)
15.
How many UOB branches are there and will there be any exclusive dedicated centers for UOB Wealth Banking clients?
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There are 55 UOB branches nationwide. For full UOB branch listing, client can refer to UOB website here.

There are 17 Wealth Banking Centres in Malaysia that gives you access to complete privacy and comfort when it comes to your wealth matters. Consult your Relationship Manager to conduct your transactions while enjoying priority queues, as well as preferential services and pricing on products such as Telegraphic Transfers and FX rates at any of our Wealth Banking Centres nationwide. For the full UOB Wealth Banking Centre listing, client can refer to UOB website here.

Both UOB branches and Wealth Banking Centres banking hours are Monday to Friday - 9.30am to 4.00pm (unless otherwise specified)
16.
What is the Privilege Chauffeur Service that is available exclusive to Privilege Banking clients?
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Privilege Chauffeur Service is a chauffeured service dedicated to our Privilege Banking clients where clients will be picked up their home to UOB branches for their banking needs. This service is currently available at selected Klang Valley, Penang and Johor Bahru Privilege Banking Centres and subject to availability.

Please contact your Client Advisor to obtain your Privilege Banking car sticker for your future visitation to our branches.
17.
What are the benefits Privilege Banking clients enjoy during their birthday month?
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There are curated birthday deals exclusively for Privilege Banking clients. These special privileges range from doubling your air miles redemption with UOB Privilege Banking Visa Infinite Card to wellness offering (ie Spa) or getting a cake with an exclusive discount.

For the full birthday deals offering, client can refer to UOB Privilege Banking website here.
18.
What are the benefits Wealth Banking clients enjoy during their birthday month?
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There are curated birthday deals exclusively for Wealth Banking clients. These special privileges ie wellness offering (ie Spa) or getting a cake with an exclusive discount.

For the full birthday deals offering, client can refer to UOB Wealth Banking website here.
19.
Apart from birthday month, are there any specially curated deals which Privilege Banking clients can use throughout the year?
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Yes, UOB has also curated Year-Long Deals exclusively for Privilege Banking clients. These special privileges range from wellness (spa) to beauty related (hair / body / facial treatments) offers.

For the full Year-Long Deals offering, client can refer to UOB Privilege Banking website here.
20.
Apart from birthday month, are there any specially curated deals which Wealth Banking clients can use throughout the year?
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Yes, UOB has also curated Year-Long Deals exclusively for Wealth Banking clients. These special privileges range from wellness (spa) to beauty related (hair / body / facial treatments) offers.

For the full Year-Long Deals offering, client can refer to UOB Wealth Banking website here.
21.
Will there be periodic market / investment / wealth insights publication for clients?
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Yes, there are a few market insights publication to abreast our clients with latest market development, macroeconomic news and investment trends that matter to your portfolio with us.

Below are UOB publication that will be extended to our Privilege Banking clients:
  • Market Powerbar – Monthly publication
  • Market Outlook – Start-of-The-Year & Mid-of-The-Year publication
  • Thinking Ahead – Latest news
Client will receive latest update notification via SMS and/or email hence it’s important to keep email address and mobile number updated with UOB to ensure you receive timely updates on latest news alerts.

Clients can refer to UOB website here.
C. Banking Services
1.
What is my daily ATM withdrawal limit as a UOB Privilege Banking & UOB Wealth Banking client?
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Your UOB daily ATM withdrawal limit is RM10,000 after the migration.
2.
What is my online interbank transfer daily limit as a UOB Privilege Banking & UOB Wealth Banking client?
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The online interbank transfer daily limit is defaulted as RM5,000 however you can increase your transaction up to RM50,000 as the maximum limit via UOB TMRW after the migration.
3.
As a UOB Privilege Banking client, who can I direct my banking account and/or transactions queries to?
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You may contact UOB Privilege Concierge after the migration.

UOB Privilege Concierge
  • Within Malaysia: 1800-88-9833
  • From Overseas: +603-2612 3312
4.
As a UOB Wealth Banking client, who can I direct my banking account and/or transactions queries to?
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You may call UOB Contact Centre after the migration.

UOB Contact Centre
  • Kuala Lumpur: 03-26128 121
  • Penang: 04-2401 121
  • Johor Bahru: 07-2881 121
  • Kuching: 082-287 121
  • Kota Kinabalu: 088-477 121
5.
As a UOB Privilege Banking & UOB Wealth Banking client, will I still get a RM4 rebate for my first 4 MEPS ATM cash withdrawal fee monthly?
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As a UOB Privilege Banking & UOB Wealth Banking client, you will enjoy unlimited waiver for MEPS ATM cash withdrawal fee after the migration.
6.
What are the list of the selected fees that will be waived for a Privilege Banking client?
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Below are the selected fees and charges waiver benefit for Privilege Banking client:

UOB Fees & Charges Type Amount PV customer Entitlement
Outward Telegraphic Transfer (OTT)
  • Commission on Amount ≤ RM5,000
RM2 Waived
  • Cable/ Telex charge
    Currency
    • SGD
    • Others

RM10
RM25

Waived
Waived
Inward Telegraphic Transfer (ITT)
  • Admin Charge
    • paid to UOB account
RM5 Waived
Cashier's Order(CO)
  • Cancellation Fee of Cashier's Order
    • For tender purpose
    • All other purpose

RM5
RM2

Waived
Waived
  • lost CO
    • Admin charge
RM10 Waived
foreign Demand Draf (FDD)
  • Commission on Amount ≤ RM5,000
RM5 Waived
Stop payment instruction (per Cheque) RM10 Waived
Service fee on Letter of Referral/Support RM25 Waived

Please contact your Client Advisor to know more on the fee and charges waiver and client can refer to UOB website here.

7.
Can Privilege Banking clients access to UOB Privilege Banking Centres (PBCs) regionally?
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Yes, Privilege Banking clients can access PBCs in Singapore, Thailand and Vietnam to enjoy the facilities and services.
Deposits
A. General
1.
Will there be any changes to my Citi Deposit account(s)?
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Yes. Your Citi Deposit account(s) will change to UOB Deposit account(s). We will provide your new account(s) details before and after the migration.
2.
Can I continue to perform both local and overseas cash withdrawals with my Citi Debit Card?
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Yes, there is no immediate change to the way you withdraw cash with your Citi Debit Card.

Please note that your Citi Debit Card will eventually be replaced with a new UOB Debit Card. You may continue to use your Citi Debit Card until you receive your new UOB Debit Card by Quarter 4, 2023.

Your new UOB Debit Card will carry the same number as your existing Citi Debit Card.
3.
I have both Citi and UOB's Debit Card. Do I need to cancel my Citi Debit Card?
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You do not need to cancel your Citi Debit Card. As the migration to UOB will not be immediate, you may continue to use both your UOB and Citi account(s), which will operate as usual.

Upon migration, your Citi Debit Card will be deactivated and all your Citi Current/Saving Account(s) will be linked to your UOB Debit Card. Kindly update your recurring payments (e.g. Direct Debit/Standing Instructions) with your existing UOB Debit Card information.

All your services and limits tied to your UOB Debit Card will remain unchanged.
4.
What is my Foreign Exchange Administration (FEA) limit?
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Customers with domestic borrowings will be tracked up to RM1 million equivalent per calendar year.
5.
What is my Perbadanan Insurans Deposit Malaysia (PIDM) coverage?
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If you have deposits in both Citibank and UOB, these deposits will be insured separately up to RM250,000 per depositor for a period of 2 years from 1 November 2022 or upon maturity or until full withdrawal of the deposit, whichever is earlier.

However, please take note that there will be an exercise to convert Citibank’s eligible deposit accounts to equivalent UOB accounts as a result of the transfer of the business at a later stage. You will be kept informed prior to the conversion. The account conversion is deemed to be a full withdrawal and closure of the Citibank deposit accounts. Hence, the expiry of the above separate coverage. Following this, your UOB Deposits that are eligible for PIDM protection on aggregate basis will be protected by PIDM up to RM250,000 for each depositor.
6.
Which number do I call for assistance?
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You can continue to call CitiPhone at 03-2383 0000 (or your Relationship Manager for Citigold customer) for banking transactions relating to Citibank Deposits. Please call the UOB Contact Centre at 03-2612 8121 or alternatively email uobcustomerservice@uob.com.my for banking transactions relating to UOB deposits.
7.
Can I continue to use my Citi Debit Card for retail transactions overseas?
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Yes, there is no immediate change to the usage of your Citi Debit Card.

Upon migration, it is advisable to confirm this feature by contacting the UOB Contact Centre or UOB Branch prior to travelling overseas.

Please note that your Citi Debit Card will eventually be replaced with a new UOB Debit Card. You may continue to use your Citi Debit Card until you receive your new UOB Debit Card by Quarter 4, 2023.

Your new UOB Debit Card will carry the same number as your existing Citi Debit Card.
8.
Can I continue to make withdrawals or purchases via the Foreign Currency Account that is linked to my Citi Debit Card?
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Yes, there is no immediate change to the Foreign Currency Account arrangement with your Citi Debit Card.

Upon migration, withdrawals via the Foreign Currency Account will be available at UOB Branches only.

Please note that your Citi Debit Card will eventually be replaced with a new UOB Debit Card. You may continue to use your Citi Debit Card until you receive your new UOB Debit Card by Quarter 4, 2023.

Your new UOB Debit Card will carry the same number as your existing Citi Debit Card.
9.
How do I confirm that my deposit account(s) balance(s) transferred from Citibank to UOB are accurate?
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Citibank will issue a closing balances statement summary for your account(s) before the transfer. This statement will be sent to your registered mailing address.
10.
What will happen to my Fixed Deposit account(s) that matures on a non-business day?
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In the event that your Fixed Deposit account(s) maturity date falls on a weekend, public holiday or non-business day, the maturity date shall be adjusted to the next Business Day. The interest shall be payable on the adjusted maturity date.

Business day means any day on which UOB is open and/or where the account is maintained in the state where the place of business of UOB is located for transaction of business of the nature required or contemplated by these terms. Business day for foreign currency deposit means the day on which we and any relevant business centre required for the relevant foreign currency transactions are open for business.
11.
Can I prematurely withdraw my existing Fixed Deposit placement prior to migration before maturity?
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Yes. However, the following terms will apply:
  1. Less than three (3) months tenure, no interest shall be paid to you on the premature or partial amount withdrawn.
  2. For three (3) months tenure and above, only 50% of the total interest entitled shall be paid to you up to the upliftment date on the premature or partial amount withdrawn.
12.
My Fixed Deposit(s) have been auto renewed on or after migration, what will happen to my interest earned if I withdraw my Fixed Deposit prematurely?
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The interest earned will be fully forfeited in the case of partial or full Fixed Deposit(s) withdrawal before maturity of those Fixed Deposit(s) where the renewal happened on or after migration.
13.
What will happen to my Fixed Deposit(s) interest payment?
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Fixed Deposit(s) (FD) interest payment shall be paid at the following intervals:
No FD Tenure Before migration to UOB After migration to UOB
1. MYR FD at 13 months tenure and above Monthly Monthly
Half-Yearly Half-Yearly
At Maturity
2. MYR FD at 12 months tenure or below Monthly Monthly
Half-Yearly
At Maturity At Maturity
3. Foreign Currency FD at 12 months tenure or below At Maturity At Maturity
14.
I am holding a Qard contract Deposit account(s) with Citi, will there be any changes to the contract?
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Your Citi Islamic Deposit Account(s) will change to UOB Islamic Deposit Account(s). We will provide your new account(s) details before and after the migration.

Your Citi Current Account(s) based on Qard will be converted to UOB Current Account(s) based on Qard which will offer similar benefits to you.

Your Citi Savings Account based on Qard will be converted to UOB ProSave Account-i based on Tawaruq concept.
15.
Funds used to be auto debited from my Citi Savings Account whenever my Citi Current Account is insufficiently funded while performing transactions. Will this feature be available upon migration?
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All account features will be based on the respective UOB accounts that your Citi accounts are being migrated to. Auto-debiting from your UOB Savings Account to fund your UOB Current Account is not supported as per existing UOB account features. Kindly ensure your UOB Current Account is sufficiently funded at all times before performing any transactions (e.g. before issuing a cheque) to avoid any transactions being rejected.
B. Fee, Interest and Rate
1.
Is there a cash withdrawal fee when I use my Citi Debit Card to withdraw cash at a UOB ATM locally?
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Yes, there will be a RM1 charge for each cash withdrawal transaction.

Existing fee waiver, where applicable, will continue as usual (i.e. Citigold/Citi Priority customers will enjoy up to 4x RM1 fee waiver monthly).

Upon migration, cash withdrawal fee will be waived.
2.
Is there any fee charged to my Citi Debit Card?
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There is no change to the existing fee charges and it will continue be charged accordingly, where applicable.

Existing fee waiver where applicable will continue as usual (i.e. Replacement and renewal fee of RM8 will be waived for Citigold customers).
3.
Is there a cash withdrawal fee when I use my Citi Debit Card to withdraw cash at MEPS ATM?
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Yes, there will be a RM1 charge for each cash withdrawal transaction.

Existing fee waiver, where applicable, will continue as usual (i.e. Citigold/Citi Priority customers will enjoy up to 4x RM1 fee waiver monthly).

Upon migration, the cash withdrawal fee at MEPS ATM for Citigold/Citi Priority customers (equivalent to UOB Privilege/UOB Wealth customers respectively) will be waived.
4.
When will the interest from my Citi Current or Savings account be updated?
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The interest for your Citi account will be updated until 15 July 2023. Following which, UOB interest rates will apply on your new UOB account from 16 to 31 July 2023.
5.
How will the interest be calculated for my Current or Savings account in July 2023?
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Your interest for July 2023 will be the combination of interest from your Citi Current/Savings accounts from 1 to 15 July 2023 and new UOB* Current/Savings accounts from 16 to 31 July 2023.
*Note: Based on the respective UOB interest rate(s)
6.
Which Current or Savings account will my July 2023 interest be paid to?
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Your interest will be paid to your new UOB account at the month end of July 2023. For Basic Savings Account, it will be credited at the month end of December 2023.
7.
What is the difference between Multi Tiered Interest and Split Tiered Interest?
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Multi Tiered Interest accounts are deposit accounts that pay a tiered interest rate that increases as your balance increases. Split Tiered Interest accounts pay progressively (rates apply only to the amount in the respective tier and not to the entire balance) according to the balance in your account.

Sample Illustration of 1 day interest earned for an account with outstanding balance of RM150,000 is as follows:
MULTI TIERED INTEREST SPLIT TIERED INTEREST
CASA Tier Interest Rate Calculation Interest Earned (RM) CASA Tier Interest Rate Calculation Interest Earned (RM)
Up to RM50,000 1.00% RM150,000 balance x 3.00% x 1 day / 365 days 12.32 Up to RM50,000 1.00% RM50,000 balance x 1.00% x 1 day / 365 days 1.37
Up to RM100,000 2.00% Up to RM100,000 2.00% Subsequent RM100,000 balance x 2.00% x 1 day / 365 days 5.48
From RM100,001 3.00% From RM100,001 3.00% Subsequent RM0 balance x 3.00% x 1 day / 365 days 0.00
Total Interest Earned 12.32 Total Interest Earned 6.85
You may find other examples on Multi Tiered Interest and Split Tiered Interest here.
8.
How to calculate Monthly Average Balance (MAB)?
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MAB is calculated by taking the average of all closing-day balances in a month. You add each day’s end-of-the-day (EOD) balance and divide it by the number of days in that particular month. Below is the formula for MAB calculation:
Sum of the total Day-End Balance in the calculating month
Number of days in of the calculating month
In the calculation of the Monthly Average Balance, Saturday and Malaysia public holidays are regarded as non-processing days. The day-end balance preceding the non-processing date shall be used to represent the said day’s Day-End Balance.

Example: The Day-End Balance on a Friday will be used as the Day-End Balance for Saturday regardless if Saturday has a higher or lower Day-End Balance compared to Friday. In the event Friday is a public holiday, the Day-End Balance on Thursday will be used as the Day-End Balance representing Friday and Saturday.

For Stash Account, MAB for the current month must be more than MAB of the previous month in order to be entitled to bonus interest.
C. Cheques & Payments
1.
Can I continue to use my cheque book?
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The Citi cheques (including post-dated cheques) will not be processed from 1 July 2023 onwards. For convenience, you may perform payments via DuitNow, JomPAY (if you have the Biller Code) or Interbank GIRO on Citi Mobile® App or Citibank Online before the migration.

If you need to issue cheques and do not have a UOB cheque book, you may request for a UOB cheque book through UOB Personal Internet Banking or walk into UOB branches.

If you do not have a UOB Current Account, you may walk into UOB branches to open one.
2.
Will my Citibank retail cheques deposited into a UOB account be processed as a house cheque or a local cheque at UOB branches?
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Your Citibank retail cheques deposited into a UOB account will be processed as a local cheque.
D. Branch Banking & Services
1.
As a Citi customer, can I walk into a UOB branch to do banking?
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No, you will still need to go to former Citi branches to do your banking. There is no immediate change in the way you transact with your former Citi Term Deposit, Current Account and Savings Account. You will only be able to do your banking at any UOB Branches upon migration.
2.
How will the transfer of Citi Deposit account(s) to UOB Deposit account(s) impact my authorised signatories if I have multiple accounts?
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UOB will use the most recent authorised signatory maintained with Citi for your banking transactions and cheque book issuance.
E. Digital Services
1.
How do I check transaction details of my new UOB Deposit account(s)?
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After migration, you can download and register for UOB Online Banking via UOB TMRW app or UOB Personal Internet Banking to view your UOB Deposit account(s) and balances. For more information on how to register for UOB Online Banking, please refer here.
2.
Can I continue to use Citi Global Transfer and global viewing of accounts?
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These services have ceased effective 26 June 2022.
3.
Will I be able to open a Fixed Deposit account through UOB TMRW after the migration?
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No. However, if you already have a UOB Savings Account, you can open a Fixed Deposit account via UOB Personal Internet Banking.
4.
Can I place a Fixed Deposit through UOB TMRW after the migration?
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No. However, you may place your Fixed Deposit through UOB Personal Internet Banking.
5.
Will I still be able to manage my Fixed Deposit(s) using the UOB TMRW app after the migration?
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You can only view your Fixed Deposit account(s) balances using the UOB TMRW app. To manage your Fixed Deposit account(s), please log in to UOB Personal Internet Banking.
6.
How do I check my Fixed Deposit account(s) if I do not have any Current/Savings account(s)?
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After migration, you will receive a quarterly Fixed Deposit statement.
F. Non-Individual
1.
What is my business Foreign Exchange Administration (FEA) limit?
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As per Bank Negara Malaysia's Foreign Exchange Policy, resident customers with domestic Ringgit borrowing are subject to the following FEA limits:
  1. Sole Proprietor and General Partnership: up to RM1 million equivalent in aggregate per calendar year; or
  2. Other business entities (including entities within the group with parent subsidiary relationship): up to RM50 million equivalent in aggregate per calendar year.
More
Credit Cards
A. General
1.
I have both Citi and UOB's Credit Card(s). Do I need to cancel my Citi Credit Card?
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No, you are not required to cancel your Citi Credit Card. You can continue to use both your UOB and Citi Credit Cards for the time being. You will receive your replacement UOB Credit Card from October 2023 onwards and will be given sufficient notice prior to the discontinuation of your Citi Credit Card.
2.
Do I need to apply or sign any UOB documents for my Citi credit card account(s) to be migrated to UOB?
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No, there’s no need to sign any UOB forms or documents, as there are no changes to your Citi account(s) for the time-being. When the migration commences on July 16th, your existing Citi account(s) will be automatically converted to a UOB account(s). The process will be seamless for you, and we’ll inform you ahead of time if there are any changes required.
3.
What is my credit card limit if I own both Citi and UOB Credit Cards?
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Your credit limit will stay the same for your respective cards. For example, if you are a customer who holds a Citi Credit Card with a RM10K limit and a UOB Credit Card with a RM15K limit, post-migration your new UOB Credit Card (that was previously your Citi Credit Card) will continue to have a RM10K limit and your existing UOB Credit Card will continue to have a RM15K limit.

For example:
Existing UOB Credit Card Limit New UOB Credit Card Limit
(Your previous Citi Credit Card)
Total Customer Limit
RM15,000 RM10,000 RM25,000
4.
Will there be any changes to my active Citibank Credit Card number?
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Your Citibank Credit Card number will remain unchanged but there will be a new UOB Credit Card issued. Kindly make the repayments to the existing Citibank Credit Card number via Citibank payment channels. However, upon migration, please change the beneficiary bank to UOB or pay via UOB payment channels.
5.
What are the key milestones to look out for with the upcoming migration of your Citi Credit Card(s) to UOB?
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Please find key milestone listed below for your reference. Kindly note that you can continue to use your current Citi credit card after the planned migration to UOB on 16 July 2023.
Key Milestone Dates Important information to note
11 July 2023 till 16 July 2023 Rewards Points redemption service will be unavailable
14 July 2023 8.00 p.m. till 16 July 6.00 p.m. Migration in progress to transfer your Citi account(s) to UOB

Expect services interruption, including your access to Citibank online, Citibank Mobile® App and cash advance withdrawals
17 July 2023 onwards Download UOB TMRW app and register for UOB Online Banking. If you are an existing UOB customer, log in to view your migrated account(s)
Continue using your existing Citi Credit Card to access UOB Credit Card features
All credit card payments to be made to UOB using the same card number
Redeem your rewards points, including those previously earned, through UOB Rewards+
October 2023 onwards Your new UOB Credit Card will be delivered. Activate your new card and continue enjoying the benefits
6.
What should I expect over the coming weeks as this migration happens?
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The steps will be as follows:
Step 1: You’ll receive communication from us providing details on the upcoming changes, important information that you need to be aware of, and what you need to do next.

Step 2: You’ll receive welcome communication from us, letting you know your new card is on its way.

Step 3: Your new UOB Credit Card will arrive in the mail from October onwards.

Step 4: Your new card is ready to be activated – you’ll receive an email from us letting you know how to do this, so that you can continue enjoying the benefits.
7.
Will I be able to use my current Citi Credit Card after migration on 16 July 2023?
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Yes, you can continue to use your current Citi Credit Card until a new UOB Credit Card is issued to you. There will be no change to your card number, CVV or expiry date immediately post migration allowing it to operate as normal. To make the migration from your current Citi Credit Card to your new UOB Credit Card as seamless as possible, there’ll be sufficient notice and reminders sent prior to any interruption to your Citi Credit Card.

Communications detailing the key changes post migration will be on their way to you in June, but information can also be found within these FAQs. Rest assured that there will be no major changes to your existing card benefits (for example lounge access, airport limousine rides, or buy-one-get-one-free at The Coffee Bean and Tea Leaf outlets etc.) – they will all continue to be available with your new UOB Credit Card.
8.
When can I expect to get a new UOB Credit Card?
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Starting in October, your current Citi credit card(s) will be replaced with UOB branded card(s). The UOB credit card(s) will retain your existing Citi credit card number for convenience, but there will be updated CVV and expiry dates for security measures.
9.
What will be the name of my Citi Credit Card after this migration?
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Citi Credit Cards will be rebranded to UOB Credit Cards as follows:
Existing Citi Credit Card name New UOB Credit Card name
Citi Prestige UOB Zenith
Citi Rewards UOB World
Citi Simplicity+ UOB Simple
Lazada Citi Lazada UOB
Citi PremierMiles UOB PRVI Miles Elite
Citi Cashback Platinum UOB ONE Platinum
Citi Cashback Gold UOB ONE
Citi Business Platinum UOB Platinum Business
Citi Clear UOB Preferred
Citi Rewards Platinum
Citi Gold
Citi Silver
Citi Choice
10.
I have noticed that when the migration occurs, my current Citi Credit Card will become the same as the UOB Credit Card that I already have. Will I receive a new UOB Credit Card?
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No, you will not need to receive a new card. Your Citi Credit Card(s) will be discontinued on 16 August 2023 as part of the migration.

If you have an outstanding balance on your Citi Credit Card(s), you will be required to make payments till the balance is paid off. You will also need to pay any outstanding instalment balances till the end. If you currently have any auto-billing/recurring payment arrangements in place, you will need to update the UOB card(s) details with the relevant merchant(s). Your existing UOB Credit Card(s) with your combined credit limit will be the main card for usage.

For example:
Existing UOB Credit Card Limit Your previous Citi Credit Card limit Final UOB Credit Card limit Total customer limit
RM15,000 RM10,000 RM25,000 RM25,000
11.
Post migration on 16 July 2023, will I receive separate statements for my UOB and Citi Credit Card accounts?
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No, you will receive one consolidated statement for ease of your future statement and payment reference.
12.
Will I still be able to access my historical transactions, statements and records?
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Post migration (16 July 2023 onwards) you will be able to view transactions for the past 90 days, as well as all new statements in your UOB TMRW app. Do note that historical statements will not be available via UOB TMRW app or UOB Online Banking. You are advised to download them from the Citi Mobile® App or Citibank Online before 14 July 2023, 8.00 p.m.
13.
Upon account migration to UOB, will my Citi statement cycle and payment due date remain the same?
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Yes, your statement cycle and payment due date will remain the same. However, if you are holding more than one Citi Credit Card and/or both Citi and UOB Credit Cards, all your credit card statements will be combined into one statement date and payment due date. Please refer to ‘Important Notice: Changes to your Credit Card Statement Date’ sent on 19 May 2023 to your registered email address/mailing address/SMS. You may also refer here or your latest credit card statement in UOB TMRW app for further details.
14.
Will I need to update personal information like my address or phone number?
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You are not required to update any of your personal information in our system, as we have migrated your records to UOB following the acquisition of Citi’s consumer business to UOB. If you are already a UOB customer, we will have your relevant information already in our system.
B. Citi Credit Cards to UOB Credit Cards Product name changes and comparison
1.
What are the differences between the Citi Prestige and UOB Zenith cards?
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Please find the details below:

  Citi Prestige UOB Zenith
Rewards points
Citi Rewards Points will change to UNIRinggit (UNIRM) of the equivalent value.
1 Citi Reward Point is worth 1 UNIRM.
Local spend 1 per RM1 spent 1 per RM1 spent
Overseas spend 2 per RM1 spent 2 per RM1 spent
Travel Benefits
Complimentary lounge access passes 12x with LoungeKey 12x with KLIA access through:
- Plaza Premium Lounges
- Plaza Premium Affiliate Partner’s Lounges
Complimentary ride home from KLIA1 tick tick
Concierge service tick tick
Complimentary night at a hotel of your choice1 tick tick
Bonus points
When you spend RM240K annually 250K Citi Rewards Points 250K UNIRM
Relationship bonus points on your annual spend2 Up to 40% Up to 50%
Other
Annual fee RM1000 RM1000

1 With a minimum 4-night consecutive stay.

2 Conditions apply. See next question for further details.

2.
How do the relationship bonus points work with UOB for a Citi Prestige cardmember?
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UOB relationship bonus points are awarded based on the number of years you have been holding the Citi Prestige card (known as the UOB Zenith card now). It applies to all UOB Zenith cards upon migration to UOB – you can earn up to 50% relationship bonus points with UOB.

Relationship bonus points awarded for UOB Zenith card
Number of years holding Citi Prestige card (known as UOB Zenith card upon migration) Relationship bonus
1-3 10%
4-6 20%
7-9 30%
10 and above 50%
3.
What are the differences between the Citi PremierMiles and the UOB PRVI Miles Elite card?
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  Citi PremierMiles UOB PRVI Miles Elite
Rewards points
Citi PremierMiles will change to UNIRinggit (UNIRM) of the equivalent value.
1 Citi PremierMile is worth 6 UNIRM.
Local spend 1 per RM3 spent 1 per RM1 spent
Overseas spend 2 per RM3 spent 10 per RM1 spent
Selected online travel spend 2 per RM3 spent1 5 per RM1 spent2
Bonus points
Upon payment of annual fee 10K Citi PremierMiles 60K UNIRM
Travel benefits
Complimentary lounge passes 8x to Plaza Premium Lounges 8x to Plaza Premium Lounges
Complimentary ride home
from KLIA1
tick tick
Other
Annual fee RM600 RM600

1 On selected airlines and hotels.

2 On all airlines.

4.
What are the differences between the Citi Rewards and the UOB World card?
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Please find the details below:

  Citi Rewards UOB World
Rewards points
Citi Rewards Points will change to UNIRinggit (UNIRM) of the equivalent value.
1 Citi Reward Point is worth 1 UNIRM.
Selected eWallet & online spend1 12 per RM1 spent 12 per RM1 spent
Major department, supermarket & hypermarket spend2 5 per RM1 spent 5 per RM1 spent
Overseas spend3 5 per RM1 spent 5 per RM1 spent
Other spend 1 per RM1 spent 1 per RM1 spent
Bonus points
When you spend RM48K annually 125K Citi Rewards Points 125K UNIRM
Lounge benefits
Complimentary passes 6x to Plaza Premium Lounges at KLIA1 & KLIA2 6x to Plaza Premium Lounges at KLIA1 & KLIA2
Other
Personal accident coverage up to RM50K tick tick
Annual fee
Principal RM600 RM600
Supplementary RM150 RM150

1 eWallet spend includes TnG, Boost and BigPay. Online merchant spend includes iTunes. Capped at transaction amount of RM300 per merchant in each monthly billing cycle.

2 Capped at RM3,000 per month.

3 Capped at RM24,000 per year.

5.
What are the differences between the Lazada Citi and the Lazada UOB credit card?
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Please find the details below:

  Lazada Citi Lazada UOB
Rewards points
Citi Rewards Points will change to UNIRinggit (UNIRM) of the equivalent value.
1 Citi Reward Point is worth 1 UNIRM.
Lazada / Lazada wallet spend 10 per RM1 spent 10 per RM1 spent
Online subscriptions, lifestyle, telecommunication & insurance spend 5 per RM1 spent 5 per RM1 spent
Other spend 1 per RM1 spent 1 per RM1 spent
Bonus points
When you spend a minimum of RM1.5K per month 1K Citi Rewards Points 1K UNIRM
Shopping
RM8 Lazada voucher each month tick tick
RM28 off every Monday tick tick
Free shipping every Friday tick tick
Annual fee
Principal RM100 RM100
Supplementary RM70 RM70
6.
What are the differences between the Citi Simplicity+ and the UOB Simple card?
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Please find the details below:

  Citi Simplicity+ UOB Simple
Spend accelerator
Each month if the minimum amount is paid on time 10% interest back on finance charges on purchases and cash advances 10% interest back on finance charges on purchases and cash advances1
Other
Late payment No charge No charge
Over payment No charge No charge
Annual fee No charge No charge

1 For UOB, it will be based on the current month’s spend.

7.
What are the differences between the Citi Cash Back and the UOB ONE card?
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Please find the details below:

  Citi Cash Back UOB One
Cash Back rate on minimum monthly spend of RM500
Petrol spend
Grocery spend
Dining spend
Grab spend
10% capped at RM10 per category1 10% capped at RM10 per category1
Other spend 0.2%, unlimited 0.2%, unlimited
Annual fee
Principal RM120 RM120
Supplementary RM60 RM60

1 Cash Back rate is 0.2% if card spend is less than RM500 in any one billing cycle.

8.
What are the differences between the Citi Cash Back Platinum and the UOB ONE Platinum card?
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Please find the details below:

  Citi Cash Back Platinum UOB ONE Platinum
Cash Back rate on minimum monthly spend of RM1,500
Petrol spend
Grocery spend
Dining spend
Grab spend
10% capped at RM15 per category1 10% capped at RM15 per category1
Other spend 0.2%, unlimited 0.2%, unlimited
Annual fee
Principal RM195 RM195
Supplementary RM100 RM100

1 Cash Back rate is 0.2% if card spend is less than RM1.5K in any one billing cycle.

9.
What are the differences between the Citi and the UOB Preferred cards?
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Please find the details below:

  Citi Clear UOB Preferred
Rewards points
Selected dining & apparel spend 3 per RM1 spent 5 per RM1 spent on dining, grocery & entertainment spend

3 per RM1 spent on petrol & recurring spend (for subscribed category)
Shopping, dining, home, travel & entertainment spend  
Selected supermarket & hypermarket spend  
Other spend 1 per RM1 spent
Other 1-for-1 GSC movie ticket on Friday 1-for-1 GSC movie ticket on Friday
  1-for-1 coffee at CBTL 1-for-1 coffee at CBTL
Annual fee
Principal RM90 Whichever of your current Citi credit cards has the highest annual fee, you’ll continue to pay that amount for your UOB Preferred card.
Supplementary RM60
  Citi Rewards Platinum UOB Preferred
Rewards points
Selected dining & apparel spend 5 per RM1 spent on dining, grocery & entertainment spend

3 per RM1 spent on petrol & recurring spend (for subscribed category)
Shopping, dining, home, travel & entertainment spend 5 per RM1 spent (for subscribed category)
Selected supermarket & hypermarket spend  
Other spend 1 per RM1 spent
Other   1-for-1 GSC movie ticket on Friday
    1-for-1 coffee at CBTL
Annual fee
Principal RM100
(per Rewards category subscribed)
Whichever of your current Citi credit cards has the highest annual fee, you’ll continue to pay that amount for your UOB Preferred card.
Supplementary
  Citi Choice UOB Preferred
Rewards points
Selected dining & apparel spend 5 per RM1 spent on dining, grocery & entertainment spend

3 per RM1 spent on petrol & recurring spend (for subscribed category)
Shopping, dining, home, travel & entertainment spend  
Selected supermarket & hypermarket spend  
Other spend 50 per RM50 spent
Other   1-for-1 GSC movie ticket on Friday
    1-for-1 coffee at CBTL
Annual fee
Principal   Whichever of your current Citi credit cards has the highest annual fee, you’ll continue to pay that amount for your UOB Preferred card.
Supplementary
  Citi Gold UOB Preferred
Rewards points
Selected dining & apparel spend 5 per RM1 spent on dining, grocery & entertainment spend

3 per RM1 spent on petrol & recurring spend (for subscribed category)
Shopping, dining, home, travel & entertainment spend  
Selected supermarket & hypermarket spend 3 per RM1 spent
Other spend 1 per RM1 spent
Other   1-for-1 GSC movie ticket on Friday
    1-for-1 coffee at CBTL
Annual fee
Principal RM195 Whichever of your current Citi credit cards has the highest annual fee, you’ll continue to pay that amount for your UOB Preferred card.
Supplementary RM100
  Citi Silver UOB Preferred
Rewards points
Selected dining & apparel spend 5 per RM1 spent on dining, grocery & entertainment spend

3 per RM1 spent on petrol & recurring spend (for subscribed category)
Shopping, dining, home, travel & entertainment spend  
Selected supermarket & hypermarket spend  
Other spend 1 per RM1 spent
Other   1-for-1 GSC movie ticket on Friday
    1-for-1 coffee at CBTL
Annual fee
Principal RM70 Whichever of your current Citi credit cards has the highest annual fee, you’ll continue to pay that amount for your UOB Preferred card.
Supplementary RM45
10.
What are the differences between the Citi Business Platinum and the UOB Platinum Business card?
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Please find the details below:

  Citi Business Platinum UOB Platinum Business
Cash Back rate1
Overseas spend 1.2% 1.2%
Local spend 0.5% 0.5%
Utility spend 0.2% 0.2%
Travel insurance
Complimentary travel insurance covering personal accidents and other travel inconveniences up to RM1 million tick tick
Annual fee
Principal RM200 RM150 for Principal cardmember.
No fees for supplementary cardmember
Supplementary RM100

1 There is no cap or minimum spend requirement to earn cashback. Petrol and government charges are excluded.

C. Rewards & Benefits
1.
Will my Citi Rewards Points expire after migration and what is the expiration rule for points earned on my UOB Credit Card?
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All migrated Citi Rewards Points/Citi PremierMiles which will be known as UNIRinggit, will remain evergreen (never expire). All new UNIRinggit earned after migration will have 3 years validity.
2.
Will I enjoy the same Citi Credit Card benefits and privileges upon migration to UOB?
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There are no changes to your credit card at the moment and as such, you will continue to enjoy the same benefits and privileges on your credit card. For example, for Clear Card, the one-to-one offer will continue to be featured. We will inform you ahead of time if there are any changes.
3.
Will there be more merchant offers and benefits after converting to a UOB Credit Card?
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As there are no changes to your credit card for the time being, you will continue to enjoy the current merchant offers and discounts. We will continue to bring new and exciting offers to your Citi Credit Card.
4.
I recently participated in a campaign/limited time offer by Citi. Will it be carried over to UOB?
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Yes, all campaigns/limited time offers managed by Citi will continue until the stipulated campaign period. You will be given prior notice if any changes are to be made.
5.
What will happen to my accumulated Citi Rewards Points/Citi PremierMiles after the migration to UOB?
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All your unredeemed Citi Rewards Points/Citi PremierMiles will be migrated and converted to UNIRinggit (UNIRM) at the equivalent value as shown below:
Before Migration After Migration
1 Citi PremierMiles 6 UNIRinggit
1 Citi Rewards Points 1 UNIRinggit
6.
What are the lounges accessible with the Citi Prestige card (now known as the UOB Zenith card)?
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To access Plaza Premium and Plaza Premium Affiliate Partner’s Lounges, simply present your eligible card and boarding pass at the lounge reception. You can find the full list of Plaza Premium and Plaza Premium Affiliates.

Partner’s Lounges here:

Local or Global
7.
Will I enjoy the same redemption options after migration?
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Yes. You can redeem from any of these redemption options below:

Redemption Options Before Migration After Migration
Pay with points tick tick
Air miles tick tick
Merchandise and vouchers tick tick
Cash Back cross tick
8.
How can I redeem air miles/merchandise/vouchers/cashback?
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You can redeem with the following options:

Channel Before Migration After Migration
Mobile App cross tick
Via the UOB TMRW App
Websites tick tick
Call Center tick tick
D. Cheques & Payments
1.
What will happen to the outstanding balance on my Citi Credit Card(s)? If I do not have a UOB Credit Card, do I need to apply for one now?
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There will be no change to the outstanding balance on your Citi Credit Card(s). Your Citi account will remain active until further notice, so please continue to make payment as normal. You do not have to apply for a UOB Credit Card(s), as your current Citi account(s) will be migrated to a UOB account(s) on July 16th. You will be provided with sufficient notice and information on what to do before the migration commences. From October 2023 onwards, you will be issued with a new UOB Credit Card(s) to replace your existing Citi Credit Card(s).
2.
What will happen to any Standing Instructions/Direct Debits to my Citi Credit Card?
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There is no change to your existing Citi Credit Card Standing Instructions/Direct Debits. We will give you prior notice in the event of any changes.
3.
How should I continue to make payment to my credit card after migration?
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There is no change to your credit card number. You may continue to make payment using the same 16 digits credit card number via various payment methods below:

  1. Payment via Interbank GIRO
    New transfer
    • Login your preferred bank account
    • Select new transfer/payment to “United Overseas Bank Berhad”
    • Key in your 16 digits credit card numbers
    • Transaction/payment type: Credit card
    • Follow the steps on screen

    Favourites transfer / payee
    • Add new favourite / payee
    • Select Bank/beneficiary bank “United Overseas Bank Berhad”
    • Key in your 16 digits credit card numbers
    • Transaction/payment type: Credit card
    • Follow the steps on screen

  2. Payment via UOB Online Banking / TMRW App
    • Login to your UOB Personal Internet Banking (PIB) or TMRW App
    • Select “Payment & Transfer” followed by “Payment” and Own Credit Card”
    • Select your preferred card; click “Pay” and follow the simple steps on screen.
    • Transaction/payment type: Credit card
    • Follow the steps on screen

  3. Payment via UOB Branches
    • Counter
    • Cash deposit ATM
    • Cheque deposit ATM
      (Payable to : UOB Card Centre for “your name”)"
4.
How will this impact my auto-billing/recurring payments?
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If the auto-billing/recurring payment arrangements that you currently have in place with merchants (e.g. insurance and telecommunication companies) only require your card number, then no action will be required as your card number will not be changing post-migration. If however these arrangements require your card CVV and expiry date, you will need to update these two pieces of information with the relevant merchant(s) once your replacement UOB card(s) arrive.
5.
My Citi Credit Card(s) is cancelled - how do I check my outstanding balance details?
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In the immediate term, you should contact the Citibank Collections Office on 03-23835700 who will be able to help. However starting from July 17th, please reach out to the UOB Collections Office on 03-26373211/3212/3210 and they will handle all your enquiries.
6.
My Citi Credit Card(s) is cancelled, and I have an outstanding balance. Will UOB issue me a new UOB Credit Card(s) with a new card number?
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No, UOB will not issue you with a new credit card(s), since you have cancelled your Citi Credit Card (s). To pay off your outstanding balance, you may continue to use your existing Citi Credit Card number(s) until the balance is paid in full. However, from July 17th onwards, please change the beneficiary bank to UOB or pay via UOB payment channels for ease.
7.
I have paid my credit card in full. Why was I charged Retail Interest?
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Retail Interest will be charged if payment to your credit card is made after the due date.
8.
I have paid my Citi Credit Card via DuitNow transfer. When can I see the payment reflected in my transactions history?
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Your credit card payment should be reflected in your transactions history by the following day. Your payment is successful if you have received an SMS from UOB on the payment receipt. Your available credit limit would also increase according to the amount paid.
E. Digital Services
1.
Can I continue to access my accounts/statements via Citibank Online/the Citi Mobile® App?
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You can access Citibank Online/ the Citi Mobile® App until July 14th, 8pm. From July 17th, you will need to access your accounts via the UOB TMRW App or UOB Online Banking. For existing UOB TMRW App and UOB Online Banking users, you can use your current login details to view your Citi credit card accounts/statements. Please see below for instructions on how to access the UOB TMRW App and Online Banking.
2.
How do I register for UOB Online Banking?
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Simply follow the 3 easy steps below:

UOB Online Banking (UOB TMRW App)

Step 1: Click here to download the UOB TMRW app.

Step 2: Complete the online registration form using either your existing Citi credit card number, or your existing UOB credit card number if you’re already a UOB customer.

Step 3: Tap ‘Register’ and proceed to login.

3.
What will happen to my credit card e-statement subscription?
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Your statement subscription remains as per your preference. If you had previously enrolled for e-Statement with Citi, you:
  • will automatically be enrolled for eStatement with UOB
  • can view your new eStatement on the UOB TMRW app
4.
Upon migration to UOB, do I need to reactivate my overseas and online e-commerce purchase settings?
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No action is required from you as there are no changes to your account.
F. Fees, Interest and Rates
1.
Are the UOB Credit Card fees and charges the same as the Citi Credit Card fees and charges?
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Yes, your fees and charges will remain the same, unless otherwise communicated to you. Kindly refer to the detailed information on UOB credit card fees & charges on our website.
2.
I have existing Citi instalment plans like Easy Pay Plan, PayLite, QuickCash and FlexiBill. Will the interest rate and tenure be maintained?
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There will be no changes to your existing instalment plan(s) and upon migration of Citi accounts to UOB on July 16th, where outstanding principal amounts, interest rates, tenures, and monthly instalment amounts of your existing instalment plan(s) will remain unchanged.

Over and above, please note that if you have any of the following existing instalment loan products including Quick Cash, Balance Transfer Instalment, FlexiBill, PayLite, PayLite for Banking Transaction, Auto-Balance Conversion, Relief Conversion Plan, there will be a modification on the interest computation. The monthly interest calculation will now be computed on a daily basis based on 365 days (or 366 days in leap year). Method of computation is based on effective interest rate x outstanding principal amount x number of days for each calendar month from statement to statement ÷ by 365 days (or 366 days in a leap year). Your final month’s instalment amount will be adjusted to include the residual interest arising from this revised interest calculation.
3.
Does UOB have instalment plans?
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Absolutely! We do have instalment plans, namely Easi-Payment Plan and Instalment Payment Plan. You may find out more on our website.
4.
My Citi account payment history determines my interest rate, will this practice be the same with UOB?
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Yes, it will. Your interest rate will continue to be based on your Citi account payment history.
G. Credit Management
1.
My Citibank Credit Card is cancelled and I have an outstanding balance. Will UOB issue me a new UOB Credit Card with a new card number?
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No, UOB will not issue you a new credit card. You may continue to use your existing Citibank Credit Card number to make repayments for your outstanding balance. However, upon migration, please change the beneficiary bank to UOB or pay via UOB payment channels.
2.
My Citibank Credit Card is cancelled so how do I check my outstanding balance details?
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You may contact the Citibank Collections Officer at 03-23835700 to assist with your enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
3.
I have cancelled my Citibank Credit Card facilities. Which bank should I contact for any enquiries?
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You may contact the Citibank Collections Officer at 03-23835700 to assist with your enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
4.
Will my existing settlement arrangement with Citibank be cancelled?
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No, there will be no changes to the settlement arrangement with Citibank prior to migration unless the settlement arrangement was revoked earlier by Citibank.
5.
Where can I make my monthly Citibank Credit Card repayment?
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Please continue to make monthly repayments through Citibank payment channels. However, upon migration, kindly make the monthly repayments through UOB payment channels.
6.
I received a Letter of Demand from Citibank. Who should I contact on the monthly repayments arrangement?
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You may contact the Citibank Collections Officer at 03-23835700 to assist you with the repayments arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to assist you with the arrangement.
7.
Who should I contact if I need assistance with my account that is outsourced to Citibank's collection agency?
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You may contact the outsourced collection agency or Citibank Collections Officer at 03-23835700 for further assistance. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
8.
I wish to restructure my Citibank Credit Card repayments. Which bank should I contact for restructure enquiries?
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You may contact the Citibank Collections Officer at 03-23835700 to assist with your enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
9.
I have a restructure program for my Citibank Credit Card. Will my restructure program be affected and where should I make the monthly repayments?
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The enrolled restructure program will not be affected. Please note that your Citibank Credit Card has been converted to a Term Loan while the account restructures in Citibank. Please continue to remit the monthly repayments through Citibank payment channels. However, upon migration, please use your new UOB account number as per the communication letter sent to you and change the beneficiary bank to UOB or pay through UOB payment channels.
10.
I have a monthly repayment arrangement with Citibank for my demised relative. Will this repayment/payment arrangement with Citibank continue and if so, where do I make the repayments/payments?
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Yes, the monthly repayment arrangement with Citibank remains valid, unless it was revoked earlier by Citibank. Please continue to make payments through Citibank payment channels. However, upon migration, please make repayments through UOB payment channels.
11.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Citibank Credit Card account. Can I contact UOB for repayment/payment arrangement?
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You may contact the Citibank Collections Officer at 03-23835700 to make arrangements and repayments are payable directly to Citibank. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to assist you with the arrangement and repayments are payable directly to UOB.
12.
I am the next of kin for a Citibank Credit Card account holder and during the Letter of Administration (LA) application, I noticed that there was a caveat lodged through Citibank. Can I contact UOB to discuss a caveat withdrawal?
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You may contact the Citibank Collections Officer at 03-23835700 to discuss arrangements prior to withdrawal of the caveat. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to discuss the arrangement.
13.
I am a bankrupt and holding Citibank facilities. How do I make the repayments/payments?
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You will be required to make repayment arrangements with Jabatan Insolvensi Malaysia. Kindly be informed that there will be no changes to your Citibank Credit Card number.
14.
I am a bankrupt and I have Citibank facilities. Who should I contact to negotiate for a settlement arrangement?
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Please reach out to the Citibank Collections Officer at 03-23835700 to discuss your settlement arrangement. Once it has been decided, you need to inform Jabatan Insolvensi Malaysia of the settlement arrangement and all the repayments are to be made directly to Jabatan Insolvensi Malaysia. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to discuss your settlement arrangement.
15.
I recently applied and have been approved for the AKPK DMP program on my Citibank Credit Card. May I know the reason why my CCRIS report is still showing an overdue status?
+
You may contact the Citibank Collections Officer at 03-23835700 for further enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
16.
I have an active AKPK URUS/FIRST program. Who should I contact if I wish to settle my outstanding balance?
+
You may contact the Citibank Collections Officer at 03-23835700 to make the arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance and all the repayments are payable directly to UOB.
17.
I have an active AKPK URUS/FIRST program. Who should I contact if I wish to withdraw from the program?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for the arrangement.
18.
Will there be any changes to my Citibank Ready Credit account number after the migration?
+
Your Citibank Ready Credit account number will be changed. Kindly make repayments to your new UOB Ready Credit account number via UOB payment channels as per the communication letter sent to you upon migration.
19.
Will my existing Ready Credit account settlement arrangement with Citibank be cancelled?
+
No, there will be no changes to the Ready Credit account settlement arrangement with Citibank prior to migration, unless the settlement arrangement was revoked earlier by Citibank.
20.
Where can I make my monthly Citibank Ready Credit repayments?
+
Please continue to make the monthly repayments through Citibank payment channels. However, upon migration, please make the monthly repayments through UOB payment channels.
21.
I received a Letter of Demand from Citibank for my Ready Credit account. Who should I contact on the monthly repayments arrangement?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the monthly repayments arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
22.
I wish to restructure my Citibank Ready Credit. Which bank should I contact for restructuring enquiries?
+
You may contact the Citibank Collections Officer at 03-23835700 for your enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
23.
I have a restructure program for my Citibank Ready Credit. Will my restructure program be affected and where should I make my monthly repayments?
+
The enrolled restructure program will not be affected. Please note that your Citibank Ready Credit has been converted to a Term Loan while the account restructures in Citibank. Please continue to remit the monthly repayments through Citibank payment channels. However, upon migration, please use your new UOB account number as per the communication letter sent to you and change the beneficiary bank to UOB or pay through UOB payment channels.
24.
I have a repayment/payment arrangement with Citibank for my demised relative’s Ready Credit account. Will this monthly repayment arrangement with Citibank continue and if so, where do I make the monthly repayments?
+
Yes, the monthly repayment arrangement for the Ready Credit account with Citibank remains valid, unless revoked by Citibank. Please continue to make monthly repayments through Citibank payment channels. However, upon migration, please make the payments through UOB payment channels.
25.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Citibank Ready Credit account. Can I contact UOB for monthly repayment arrangements?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the monthly repayment arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
26.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Citibank Ready Credit account and I did not receive any notification letter from UOB on the new account number. Can I request to reprint the notification letter for my reference after migration?
+
Yes, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 or visit any UOB branch to request for a copy of the notification letter.
27.
I am the next of kin for a Citibank Ready Credit account holder and during the Letter of Administration (LA) application, I noticed that there was a caveat lodged through Citibank. Can I contact UOB to discuss a caveat withdrawal?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the repayment arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
28.
I am a bankrupt and holding Citibank Ready Credit facilities. How do I make the repayments?
+
You will be required to make a repayment arrangement with Jabatan Insolvensi Malaysia. However, upon migration, your Ready Credit account number will be changed and UOB will mail the new account details to your billing address.
29.
I am a bankrupt and I have Citibank Ready Credit facilities. Who should I contact to negotiate for a settlement arrangement?
+
Please reach out to the Citibank Collections Officer at 03-23835700 to discuss your settlement arrangement. Once it has been decided, you need to inform Jabatan Insolvensi Malaysia of the settlement arrangement and all the repayments are to be made directly to Jabatan Insolvensi Malaysia. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to discuss your settlement arrangement.
30.
I am a bankrupt and I have Citibank Ready Credit facilities. I did not receive any notification letter on my account details, can I request to reprint the notification letter for my reference after migration?
+
Yes, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 or visit any UOB branch to request a copy of the notification letter.
More
Mortgage
A. General
1.
Is there any change to my Home Loan's interest/Financing’s profit rate?
+
  • There is no change to your Home Loan’s effective interest rate.
  • For Home Financing, kindly refer to your Letter of Offer/ Notifications of Variation of Terms, whichever is applicable.
2.
Is there any change to my Citibank Home Loan account number once it is changed to a UOB Home Loan?
+
Yes, please refer to your UOB Home Loan account number in the communication letter. In the event that you did not receive the communication letter from us, please contact the UOB Contact Centre at 03-26128121 or visit any UOB branch.
3.
I have yet to receive a letter about my new account number for my Home Loan/Financing account. Who should I contact?
+
You may contact the UOB Contact Centre at 03-26128121 or visit any UOB branch.
4.
I only have one FlexiHome loan facility with Citi, why am I getting 2 account numbers for my FlexiHome loan?
+
Rest assured that there are no additional accounts created for the migration.

Your Citi FlexiHome Loan comprises of:
  1. A housing loan account; and
  2. a non-cheque book current account for the excess payments;
With that, the abovementioned accounts will have its respective UOB Account numbers under 1 loan facility (i.e. 1 account number for home loan which is known as “UOB Mortgage Account” and 1 account number for non-cheque book current account which is known as “UOB FlexiHome CA”).

You will receive a consolidated statement where you are able to view these two accounts detail in this monthly statement.

Please be reminded to pay your monthly instalments into your new UOB FlexiHome CA.
5.
As I am a Citibank customer who wants to take a top-up Home Loan/Financing, which bank should I call?
+
You may contact the UOB Contact Centre at 03-26128121 or visit any UOB branch. Alternatively, please visit our UOB website for more details.

As for new loan enquiries, please provide your details here and our Mortgage Specialist will contact you shortly.
6.
Who do I contact for loan/financing enquiries?
+
You may contact the UOB Contact Centre at 03-26128121 or visit any UOB branch. Alternatively, please visit our UOB website for more details.

As for new loan enquiries, please provide your details here and our Mortgage Specialist will contact you shortly.
7.
Is there any impact to my CCRIS status with the migration/conversion exercise?
+
There is no impact to your CCRIS status. Any account status such as overdue instalment(s)/repayment(s)/litigation action(s) and settlement arrangement (unless revoked) shall remain unchanged.
8.
Can I arrange for my own fire insurance/fire takaful for my property financed with Citibank?
+
Yes, you can. However, you need to ensure that the property is adequately covered and the name of mortgagee is UOB. Please provide copy of the renewed Fire Insurance Policy/Fire Takaful Certificate accordingly.
9.
Is there any change for my fire insurance/fire takaful if I want UOB to renew for me automatically?
+
Yes, UOB will perform your next insurance renewal from UOB’s panel of insurers automatically. In the event that you have renewed your fire Insurance/fire takaful previously, please provide a copy of the renewed Fire Insurance Policy/Fire Takaful Certificate accordingly.
10.
Is there any impact on my existing Mortgage Reducing Term Assurance (MRTA)/Mortgage Reducing Term Takaful (MRTT) taken with Citibank on my newly migrated UOB Home Loan/Financing?
+
No, there is no impact on the existing Mortgage Reducing Term Assurance (MRTA)/Mortgage Reducing Term Takaful (MRTT) that you have taken up with Citibank to cover your outstanding Home Loan/Financing. UOB will initiate the takeover process with the existing MRTA/MRTT insurance/takaful provider to change the Master Policy/Certificate holder from Citibank to UOB.
11.
What will happen to the extra funds that I have deposited into my Home Loan/Financing account after the migration to UOB?
+
  1. For Home Loan, any prepayment or excess payment made into the account will be deposited into a redrawable bucket. This is only applicable for fully disbursed loans. The funds in a redrawable bucket will enjoy interest savings and the amount can be withdrawn for future instalments or can be withdrawn upon request.
  2. For Home Financing, with the Notification of Variation of Terms, any prepayment or excess payment made into the account will be deposited into a redrawable bucket. This is only applicable for fully disbursed financing. The funds in a redrawable bucket will enjoy profit savings and the amount can be withdrawn for future repayments or can be withdrawn upon request.
  3. For Flexi Mortgage, the excess payment will be used to offset based on the deposit offset capping of your interest bearing current account.

Note: Any funds received from EPF will be used to reduce loan/financing principal.
12.
What will happen to my property title in Citibank’s custody now as my Citibank Home Loan/Financing account is still active? Will my ownership of the property be at stake?
+
Rest assured that there is no change to the ownership of the property. UOB will apply to the land office/relevant authority to change the name of the registered chargee from Citibank to UOB and this will be done in stages.
13.
If I want to transfer funds from overseas, do I use the swift code for Citibank or UOB?
+
Please use the UOB Malaysia's swift code.
14.
How do I retrieve my full year loan/financing statement for my Home Loan/Financing account?
+
To retrieve your full year’s Home Loan/Financing transactions in 2023, please refer to the following documents:

For Home Loan
  1. Citibank’s statement prior to migration; and
  2. UOB’s year-end statement
For Home Financing
  1. Citibank's statement prior to issuance of Notification of Variation of Terms; and
  2. UOB’s year-end statement
Starting from year 2024, you will receive a year-end loan/financing statement which will show the full year’s transactions for your account.
15.
Will I receive a monthly statement for my Flexi Mortgage loan account?
+
Yes, we will generate your monthly statement and it will be available on UOB Personal Internet Banking.
16.
What will be included in my UOB opening balance stated in the letter/statement?
+
The opening balance stated in the letter/statement will consist your outstanding balances migrated from Citi excluding late fees and other charges which are not due yet.

Please be informed that we will reflect these transactions in the next statement.
17.
What is the difference between Citibank's & UOB's current account (CA) in Flexi Mortgage?
+
The Flexi Mortgage current account is Non-Interest Bearing for Citibank and Interest Bearing for UOB.
Citi UOB
Current Account(CA) Non-interest Bearing Interest Bearing
Current Account interest rate Nil The bank will pay you interest in the CA that matches the loan interest rate, subject to the deposit offset cap per your Letter of Offer.
How is loan interest being calculated
  • The deposit amount in the CA is used to offset the the loan amount for interest computation.
  • Loan interest is calculated based on the balances after the deposit offset.
  • Interest is calculated based on the loan balances.
  • The bank will pay you interest in the CA that matches the loan interest rate.
  • The net loan interest payable is the same.
Deposit Offset Cap remains unchanged as per your Letter of Offer
In order to enjoy interest saving, please pay your monthly instalments and/or any excess funds into your new UOB FlexiHome CA.
18.
Is there any change to my Flexi Mortgage Account Deposit Offset Cap?
+
No, your Offset Cap will remain unchanged as per your Letter of Offer.
B. Cheques & Payments
1.
Is there any change to my Citibank Standing Instruction (SI) upon migration to UOB?
+
For Home Loan/Financing:

No action is required from you if you have previously submitted a written instruction to Citi to service your monthly instalment/repayment via your Citi Savings/Current Account.

Otherwise, please arrange to set-up the Standing Instruction (SI) for your loan instalment/repayment based on your new UOB Savings/Current Account number.
2.
Which account number should I use to pay my monthly instalment?
+
Please pay promptly into your new UOB account:
  1. For Home Loan, please pay to your UOB mortgage account.
  2. For Flexi Mortgage, please pay to your UOB FlexiHome CA.
Any payment into Citi Home Loan/FlexiHome current account from 16 July 2023 onwards will be unsuccessful.
3.
How should I continue to make payment/repayment to my Citibank Home Loan/Financing?
+
Please use your new UOB account as per your communication letter sent to you to make payment/repayment of your Home Loan/Financing.
  1. For Home Loan, please note that your existing monthly instalment, interest rate and tenure will remain as per your existing contract and terms with Citibank.
  2. For Home Financing, please refer to your Notification of Variation of Terms.
You may continue to pay/repay your monthly instalment/repayment via various UOB channels (UOB online transfer, MEPS, interbank GIRO, etc.), where applicable.
4.
Is there any change to my monthly instalment/repayment due date?
+
  1. For Home Loan/Financing account, your monthly instalment/repayment due date will remain unchanged. E.g. Your existing monthly instalment/repayment is due on the 10th of every month - this will remain unchanged upon migration, subject to UOB’s treatment of Saturdays and Public Holidays.
  2. For Flexi Mortgage, there will be a change to your monthly instalment due date. All Flexi Mortgage monthly instalments will now be due on the 1st day of every month.
5.
What happens if my instalment/repayment due date falls on a Saturday or Public Holiday?
+
Your account will observe UOB’s Saturday and Public Holiday treatment. This means that if your monthly instalment/repayment falls on a Saturday or Public Holiday, your instalment/repayment due date will move to the next business day.

E.g. If your monthly instalment falls on 1st May (which is a public holiday), the due date will move to 2nd May if it is not a Saturday or Public Holiday.

For you to carry on enjoying the interest/profit saving, you can continue to make payment/repayment even on a Saturday or Public Holiday. Our system will recognise your payment/repayment and interest/profit which will be calculated based on the reduced principal accordingly.
6.
Which bank should I contact if I would like to withdraw my EPF funds to make payments/repayments on my Home Loan/Financing account?
+
Please contact the UOB Contact Centre at 03-26128121 for EPF withdrawal request and please quote your new UOB Home Loan/Financing Account number to proceed.
7.
Upon migration from Citibank FlexiHome Loan to UOB Flexi Mortgage, will there be any maintenance fee charge?
+
Yes. For UOB Flexi Mortgage current account, the maintenance fee remains at RM120 per year.
8.
After migration of my Home Loan/Financing account to UOB, will my fire insurance/fire takaful fee affect my monthly instalment/repayment?
+
Yes, you will need to make additional payment/repayment for your fire insurance/fire takaful fee.
C. Digital Services
1.
How can I view my Home Loan/Financing account's transactions?
+
You can register for UOB Online Banking via UOB TMRW app or UOB Personal Internet Banking to view your Home Loan/Financing transactions.

For transactions history prior to migration, please refer to your previous Citi statements.
D. Credit Management
1.
Will my existing settlement arrangement with Citibank be cancelled?
+
No, there will be no changes to the settlement arrangement with Citibank prior to migration, unless the settlement arrangement was revoked earlier by Citibank.
2.
Where can I make my monthly repayments/payments for my Citibank Home Loan/Financing?
+
Please continue to make the monthly repayments/payments through Citibank payment channels. However, upon migration, kindly make the monthly repayments/payments through UOB payment channels.
3.
Currently, my Citibank Home Loan/Financing is overdue for repayments/payments. Who should I contact to request for a bank statement for EPF withdrawal to service the repayments/payments?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
4.
Who do I contact for enquiries on my Citibank Home Loan/Finance which is currently in overdue/default status?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist with your enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
5.
What should I do with my Citibank Home Loan/Financing which is currently classified as a Non Performing Loan (NPL)/Financing (NPF)?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with enquiries on your NPL/NPF. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
6.
I have a Citibank Home Loan/Financing classified under Non Performing Loan (NPL)/Financing (NPF) status with a repayment/payment arrangement. Is the repayment/payment arrangement still valid?
+
Yes, your repayment/payment arrangement remains valid and binding, unless revoked by Citibank.
7.
Is there any impact on my Citibank Home Loan/Financing which is currently under a foreclosure process?
+
The foreclosure process on your Citibank Housing Loan/Financing will go on as usual. You may contact the Citibank Collections Officer at 03-23835700 should you need further assistance. However, upon migration, you are required to reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
8.
I received a Letter of Termination from Citibank. Who should I contact on the repayment/payment arrangement?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you on the repayments/payments arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
9.
My Home Loan/Financing has been auctioned off under Citibank. Who should I contact about repayments/payments arrangements?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you on the repayments/payments arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
10.
Who should I contact if I wish to restructure my Citibank Home Loan/Financing?
+
You may contact the Citibank Collections Officer at 03-23835700 for further assistance. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
11.
I have a restructure program for my Citibank Home Loan/Financing. Will my restructure program be affected and where should I make repayments/payments?
+
The enrolled restructure program will not be affected. Please continue to remit the monthly repayments/payments through Citibank payment channels. However, upon migration, please use your new UOB account number as per the communication letter sent to you and change the beneficiary bank to UOB or pay through UOB payment channels.
12.
I have difficulty in making repayments/payments for my Citibank Home Loan/Financing account, so I have recently signed up for the Re-write Program offered by Citibank. Is the program still valid?
+
Yes, the program is still valid. Please reach out to the Citibank Collections Officer at 03-23835700 if you need more details on the Relief/Re-write Program that you had enrolled in before. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
13.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Home Loan/Financing account. Can I contact UOB for a repayment/payment arrangement?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you on the repayments/payments arrangement and pay to Citibank. Upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for the repayments/payments arrangement which is payable directly to UOB.
14.
I have a repayment/payment arrangement with Citibank for my demised relative. Will this repayment/payment arrangement with Citibank continue and if so, where do I make the repayments/payments?
+
Yes, the repayment/payment arrangement with Citibank remains valid, unless it was revoked earlier by Citibank. Please continue to make payments through Citibank payment channels. However, upon migration, please make repayments/payments through UOB payment channels.
15.
I am the next of kin for a Citibank Credit Home Loan/Financing accountholder and during the Letter of Administration (LA) application I noticed that there was a caveat lodged through Citibank. Can I contact UOB to discuss a caveat withdrawal?
+
You may contact the Citibank Collections Officer at 03-23835700 to discuss arrangements prior to withdrawal of the caveat. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to discuss arrangements.
16.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Citibank Home Loan/Financing account and I did not receive any notification letter from UOB about the new account number. Can I request to reprint the notification letter for my reference after migration?
+
Yes, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 or visit any UOB branch to request a copy of the notification letter.
17.
I am a bankrupt and holding Citibank facilities. How do I make the repayments/payments?
+
You will be required to make a repayments/payments arrangement with Jabatan Insolvensi Malaysia. Kindly be informed that your Home Loan/Financing account number will be changed and UOB will mail the account details to your billing address.
18.
I am a bankrupt and I have Citibank facilities. Who should I contact to negotiate for a settlement arrangement?
+
Please reach out to the Citibank Collections Officer at 03-23835700 to discuss your settlement arrangement. Once it has been decided, you need to inform Jabatan Insolvensi Malaysia of the settlement arrangement and all the repayments/payments are to be made directly to Jabatan Insolvensi Malaysia. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 to discuss your settlement arrangement.
19.
I am a bankrupt with Citibank facilities and I did not receive any notification letter on my account details. Can I request to reprint the notification letter for my reference after migration?
+
Yes, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 or visit any UOB branch to request a copy of the notification letter.
20.
I had applied and was approved for the AKPK DMP programme on my Citibank Home Loan/Financing. May I know the reason why my CCRIS report is still showing an overdue status?
+
You may contact the Citibank Collections Officer at 03-23835700 for further enquiries. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for your enquiries.
21.
I have an active AKPK URUS/FIRST program with my Citibank Home Loan/Financing account. Will my AKPK URUS/FIRST program be affected?
+
The AKPK URUS/FIRST program that you have with your Citibank account will not be affected. However, upon migration, please remit the monthly repayments/payments through UOB payment channels to your new UOB account number as per the communication letter sent to you.
22.
I have an active AKPK URUS/FIRST program. Who should I contact if I wish to withdraw from the program?
+
You may contact the Citibank Collections Officer at 03-23835700 to assist you with the arrangement. However, upon migration, please reach out to the UOB Collections Officer at 03-26373211/3212/3210 for further assistance.
23.
I have an active AKPK URUS/FIRST program. Who should I contact if I wish to settle my outstanding balance?
+
You may contact the Citibank Collections Officer at 03-23835700 to make the arrangement. However, upon migration, please reach out to the UOB Collection Officer at 03-26373211/3212/3210 for further assistance and all the repayments/payments are payable directly to UOB.
24.
I have an active AKPK Debt Management Program (DMP) Matrix 2 program for my Citibank Home Loan/Financing account. Will my AKPK DMP Matrix 2 program be affected and if not, where should I make the monthly repayments/payments?
+
No, it will not be affected. Please remit your repayments/payments through Citibank payment channels. However, upon migration, there will be a change in your Home Loan/Financing account number and the new account number details will be mailed to your billing address. Please continue to remit the monthly repayments/payments and change the beneficiary bank to UOB or pay through UOB payment channels.
25.
I have an active AKPK Debt Management Program (DMP) Matrix 5 program for my Citibank Home Loan/Financing account. Will my AKPK DMP Matrix 5 program be affected and if not, where should I make the monthly repayments/payments?
+
No, it will not be affected. However, upon migration, there will be a change to your Home Loan/Financing account number and the new account number details will be mailed to your billing address. Please continue to remit your repayments/payments to AKPK as usual.
More
Personal Loans
A. General
1.
I have both Citi and UOB's Personal Loan. Do I need to cancel my Citi Personal Loan?
+
You do not need to cancel your Citi Personal Loan. As the migration to UOB will not be immediate, you may continue to use both your UOB and Citi account(s) which will operate as usual.

When your Citi account(s) is migrated to UOB, you will be given prior notice before the migration commences.
2.
Do I have to sign any UOB form or document for my Personal Loan account(s) to be migrated to UOB?
+
No, there is no need to sign any UOB form or document as there are no changes to your Citi account(s) for the time-being. When the migration commences, your existing Citi account(s) will be automatically converted to UOB account(s). We will inform you ahead of time if there are any actions required.
3.
What changes can I expect to my loan account other than my account number?
+
Your loan account number will change upon migration. Apart from that, Personal Loan/Term Loan account terms (i.e. interest rate, monthly instalment, tenure, due date) will remain the same.
4.
Will I continue to get an annual statement for my loan account after the migration to UOB?
+
Yes, UOB will continue to send annual statements for your Personal Loan/Term Loan starting from the month of January post migration, annually up till your loan is paid off.
5.
How can I get details of my new UOB account?