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?
+
You will receive two communications after the migration is completed, a Closing Balances Summary Statement from Citibank & Opening Balances Summary Letter from UOB. The UOB Opening Balances Summary Letter will have your account details including the outstanding balance* that is migrated over to UOB.

*The balance excludes interest, late fee and other charges which are not due as of 14th July, 2023.
B. Cheques & Payments
1.
What will happen to my Citi Personal Loan and the outstanding balances? If I do not have a UOB Personal Loan, do I need to apply for one now?
+
There is no immediate change to your Citi Personal Loan. Your account(s) with Citi will remain active and the benefits you enjoy will remain unchanged, until further notice. Please continue to make payment for the outstanding balances according to your usual payment method.

There is no need to apply for a UOB Personal Loan now as your Citi account(s) will eventually be migrated to UOB. We will give you prior notice before the migration of accounts commences.
2.
Is early settlement allowed after the migration? Which early settlement fee do I follow?
+
Yes, early settlement with UOB is allowed after the migration. If early settlement is within the first two (2) years or before reaching halfway of the approved loan tenure, you are required to pay an early settlement fee of Ringgit Malaysia Two Hundred (RM200) or a sum equivalent to 3% of the outstanding balance of the Loan, whichever is higher.
3.
Is the late payment charge the same?
+
Yes, you will now only be liable for the late payment charge of 1% p.a. charged daily on the past due amount.

For the respective product features, fees & charges and terms & conditions, kindly refer to www.uob.com.my.
4.
How should I continue with my loan repayment?
+
Please continue your repayments into your Citi account up till 14th July 2023.

After migration is completed on the 16th July 2023, your new UOB Personal Loan/Term Loan account will be active and you will need to make the necessary payment arrangements accordingly to your new UOB account, including updating any standing instructions that you may have.
C. Credit Management
1.
I have cancelled my Citibank Personal Loan facilities. Which bank should I contact for any enquiries?
+
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.
2.
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.
3.
I received a Letter of Demand from Citibank. Who should I contact on the repayments arrangement?
+
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 repayments arrangement.
4.
Who should I contact if I need assistance with my account that is outsourced to Citibank's collection agency?
+
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.
5.
Who should I contact if I wish to restructure my Citibank Personal Loan?
+
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.
6.
I have a restructure program for my Citibank Personal Loan. Will my restructure program be affected and where should I make repayments?
+
The enrolled restructure program will not be affected. Please note that the Citibank Personal Loan 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.
7.
I have a repayment arrangement with Citibank for my demised relative. Will this payment arrangement with Citibank continue and if so, where do I make the repayments?
+
Yes, the repayment arrangement with Citibank remains valid, unless it was revoked earlier by Citibank. Please continue to make payments through Citibank payment channels. Upon migration, please make payments through UOB payment channels.
8.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Personal Loan account. Can I contact UOB for a repayments arrangement?
+
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 for further assistance.
9.
I am the next of kin for a Personal Loan 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 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.
10.
I am the next of kin with a Letter of Administration (LA) for my late brother/sister/parents' Citibank Personal Loan 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.
11.
I am a bankrupt and holding Citibank facilities. How do I make the repayments?
+
You will be required to make repayment arrangements with Jabatan Insolvensi Malaysia. However, upon migration, your Personal Loan account number will be changed and UOB will mail you the account details to your billing address.
12.
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 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.
13.
I am a bankrupt and I have Citibank 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.
14.
I had applied and was approved for the AKPK DMP programme on my Citibank Personal Loan. 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.
15.
I have an active AKPK URUS/FIRST program with my Citibank Personal Loan 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 through UOB payment channels to your new UOB account number as per the communication letter sent to you.
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 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 further assistance.
18.
I am an existing AKPK Debt Management Program customer with my Citibank Personal Loan account. Will my original repayment tenure, amount and interest rate offered by AKPK be affected in any way?
+
Upon migration to UOB, please note that your Personal Loan account number will be changed and UOB will mail you the account details. Upon migration, please remit the monthly repayments through UOB payment channels. There will be no changes to the agreed terms in the AKPK Debt Management Program.
Insurance/Takaful
A. General
1.
Does this exercise change my insurance policy/takaful certificate number?
+
There is no change to your insurance policy/takaful certificate number as the insurance policy/takaful certificate is a contract between you and the insurance company.
2.
As a Citi customer, what changes should I expect for my insurance policy(ies) purchased through Citi?
+
There is no impact to the existing insurance policy/takaful certificate. Insurance is a strictly regulated business sector under the Financial Services Act (FSA) and Islamic Financial Services Act (IFSA). Our insurance partners/takaful operators remain committed to fulfilling their responsibility to protect our existing and new customers.

Any life or general insurance policy(ies) you have purchased through Citi is underwritten by a third-party insurer, and not by Citi or UOB Malaysia. The terms of the policy(ies) will stay the same, except any references to Citi will become references to UOB Malaysia.
3.
Do I need to terminate/surrender my current insurance policy(ies)/takaful certificate(s)?
+
Buying an insurance policy is a long term commitment. You should be aware that an early termination or policy surrender usually involves high costs and the surrender value may be less than the total premium paid. Insurance is a strictly regulated business sector. Our insurance partners remain committed to fulfilling their responsibility to protect our existing and new customers.

It is advisable for you to preserve the existing benefits and value of the respective insurance policy(ies)/takaful certificate(s). If you terminate now, it may be difficult or more expensive for you to get similar insurance coverage later on when you need it.
4.
What are the changes I should expect where Citi is the Master Policy/ Certificate holder or Citi as mortgagee on my fire insurance?
+
Citi will transfer the Master Policy/Certificate ownership and Mortgagee to UOB. Aside from that, there will be no other changes to your insurance policy/takaful certificate. Insurance/takaful is a strictly regulated business sector under the Financial Services Act (FSA) and Islamic Financial Services Act (IFSA). Our insurance/takaful partners remain committed to fulfilling their responsibilities in order to protect your interests.
5.
I have a UOB-Prudential Life Insurance Policy and a Citi-Axa Affin Life or Allianz Life Insurance Policy. Will this impact PIDM’s Takaful & Insurance Benefits Protection System (TIPS)?
+
The protected benefits under TIPS are based on different insurer members, not banks. As such, both policies have different aggregation limits with the respective insurer members, so long as both insurers are members of PIDM and both policies qualify for PIDM protection.
6.
For insurance policy(ies)/takaful certificate(s) bought through Citi, can I reach out to UOB for servicing matters (such as queries, claims or complaints)?
+
You may reach out to UOB for the insurance policy(ies)/takaful certificate(s) bought through Citi or UOB. Alternatively, you may also approach the respective insurance company/takaful operator directly for ongoing policy/certificate servicing.
7.
Will there be any impact on my insurance policy(ies)/takaful certificate(s) and will I continue to get insurance coverage for the policies purchased through Citi?
+
There is no impact to the insurance policy(ies)/takaful certificate(s) that you previously purchased through Citi and you will continue to enjoy the coverage as long as the premium paid is up to date, as per terms and conditions of your insurance/takaful policies.

Insurance is a strictly regulated business sector under the Financial Services Act (FSA) and Islamic Financial Services Act (IFSA). Our insurance partners/takaful operators remain committed to fulfilling their responsibility to protect our existing and new customers with all the contractual obligations.
8.
As an ex-Citi customer, who shall I contact for any insurance policy related queries, claims, complaints or servicing issues?
+
Please reach out to your dedicated Relationship Manager or UOB representative at the nearest UOB Branches for ongoing insurance policy/takaful certificate servicing. Alternatively, you may approach the respective insurance company/takaful operator directly for ongoing policy/certificate servicing.
9.
Can I still purchase insurance products distributed by Citi?
+
No, insurance/takaful products previously distributed by Citi are not available with effect from 1 November 2022. However, UOB may have similar or compatible products which would meet your needs. You may contact UOB for more information.
10.
Will I continue to receive coverage under my AIA Elite Life plan?
+
Citi has transferred the Master Policy of Elite Life to UOB. Aside from that, there will be no other changes to your insurance policy/takaful certificate. Customer will continue to receive coverage.

Insurance/takaful is a strictly regulated business sector under the Financial Services Act (FSA) and Islamic Financial Services Act (IFSA). Our insurance/takaful partners remain committed to fulfilling their responsibilities in order to protect your interests.
B. Rewards & Benefits
1.
Will I continue to get the insurance coverage with Citi Credit Card’s Credit Shield plan(s)?
+
Citibank Berhad has transferred its consumer banking business to UOB Malaysia effective 1 November 2022, and we have ended the group policy with AIA Berhad effective 16 July 2023. To ensure your coverage remains uninterrupted, we have converted your existing AIA / ING credit shield products with an alternate enhanced product, i.e. PRUCredit Shield Elite plan, underwritten by our strategic insurance partner, Prudential Assurance Malaysia Berhad (Prudential). PRUCredit Shield Elite offers a more comprehensive benefit without health assessment, suicidal exclusion, pre-existing conditions exclusions or waiting period. There is an extended free look period of 12 months from certificate delivery.
2.
What is PRUCredit Shield Elite?
+
PRUCredit Shield Elite is a yearly renewable non-participating group insurance that offers insurance protection by settling your principal and supplementary credit card related Outstanding Balance in the event of death, Total and Permanent Disability (TPD), Temporary Total Disability (TTD), hospitalisation, or diagnosis of one of the covered 43 critical illnesses This plan also pays a Compassionate Benefit in the event of death. At the end of every certificate year, this plan will pay a No Claim Bonus (NCB) if there is no claim incurred during the particular certificate year.
3.
How can I opt out or cancel PRUCredit Shield Elite?
+
In the event that you wish to opt out or cancel the plan, you may contact Prudential’s Customer Service at 03 2772 2499.
4.
Is my appointment of nominee(s) made previously still valid in the new PRUCredit Shield Elite?
+
If you choose to continue with the protection, you are encouraged to submit a fresh Nomination of Beneficiary. In the event of death, based on the product benefits and terms, the death benefit and compassionate benefit will be payable to your beneficiary. You may download the form at Prudential's corporate website and email the completed form to customer.mys@prudential.com.my. Nevertheless, upon your onboarding with Prudential, you will expect to receive the Welcome Letter together with the Insurance Certificate and Product Disclosure Sheet (PDS).
5.
How can I claim?
+
In the event of claim, you may notify us or Prudential's Customer Service at 03 2771 2499, and you will need to complete a claim form. As long as your certificate is in-force, you may claim from Prudential according to the product benefits and terms and conditions in the insurance certificate of PRUCredit Shield Elite. Please refer to insurance certificate and Product Disclosure Sheet for more details.
C. Cheques & Payments
1.
How do I make future payments for my existing life insurance policy(ies) bought through Citi?
+
For cash or cheque payment, you may visit the nearest insurance company’s branches for future payment.

You are encouraged to switch to other payment methods such as Credit/Debit Cards or cheques issued by other banks for future renewal payments.
2.
I previously purchased Life Insurance/General Insurance policy(ies) via Citi Telemarketing and premium payment is charged to my Citi Credit Card. What do I need to do?
+
There is no impact on the recurring payment to the existing Life Insurance/General Insurance policy(ies). The payment will continue to be charged to your credit card. No further action is required from you.
3.
If I have enrolled for auto-debit payment for my insurance policy(ies) purchased through Citi, will there be any impact on my payment method?
+
For Citi Credit Card auto-debit, your insurance premium payment will continue to be charged to your credit card. For Citi CASA direct debit/standing instruction payment to AIA, it will be auto-transferred and there is no action required from customers. For Citi CASA direct debit/standing instruction payment to other insurance companies, kindly arrange for alternate premium payment methods with the respective insurance provider.
Wealth Management
(Unit Trusts/Retail Bonds)
A. General
1.
Can I continue to operate my Citi Investment Account?
+
Yes, you can continue to operate your existing Citi Investment account(s) as usual before the migration date. After the migration date, you may use your new UOB Investment account number which has been communicated to you.
2.
I have a bond investment with Citi. Can I continue to hold my bond investment until maturity?
+
Yes, you can hold your Citi bond investment until maturity.
3.
Will I continue to receive investment publications and market updates from Citi?
+
No, you will no longer be receiving investment publications and market updates from Citi but you can expect to receive investment publications and market updates from UOB.
4.
For the list of funds currently distributed by Citi, can I continue to invest in these funds via Citi?
+
Currently, you can still invest in the list of funds distributed by Citi and rest assured that you will be notified in advance prior to any changes to the list of funds offered.
5.
Should I transfer my investment holdings to UOB?
+
No, you do not need to transfer your investment holdings to UOB as this will be carried out automatically with prior notification to you.
6.
I have an investment account with Citi. Do I need to redeem my Citi investment holding?
+
No, you do not need to redeem your Citi investment holding and you can maintain and operate your account as usual, until further notice.
7.
I maintain investment accounts in both Citi and UOB. Will I be receiving separate statements/advices?
+
Yes, as there is currently no change, Citi and UOB will continue to send you your statements/advices separately.
8.
What will happen to my regular investment plan for Unit Trust?
+
There is no immediate change and your regular investment plan will continue as usual with Citi. Rest assured that you will be notified in advance prior to any changes being made.
9.
How will my investment in foreign currency limit under the Foreign Exchange Policy requirement be observed?
+
You can continue maintaining your accounts with both banks and your Foreign Exchange Administration (FEA) limit utilised in both Citi and UOB will be aggregated, as per the requirement of the Foreign Exchange Policy.
10.
I have Unit Trust (UT) and/or Retail Bond (RB) Investment Account(s) at both UOB and Citi. Will my UT and/or RB holding(s) at the respective banks be consolidated into my existing UT and/or RB Investment Account(s) at UOB after the migration date?
+
Your UT and/or RB holding(s) at Citi shall be migrated to the newly created UT and/or RB Investment Account(s) at UOB. Please refer to our letter to you on your new account(s) at UOB.
11.
How do I check whether my investment(s) at Citi are correctly migrated to UOB?
e.g. Unit Trust (UT) and/or Retail Bond (RB) Investment Account holding(s)
+
Citi will issue a final customer banking statement(s) with UT and/or RB Investment Account(s) holding(s) details to you before your investment holding(s) are migrated to UOB. Post migration, UOB will issue a letter to you to confirm the successful transfer and you will no longer be able to view your investment holding(s) via Citibank Online and Citi Mobile® App after your investment holding(s) are migrated to UOB. You will also be receiving UOB statement(s) for your new UT and/or RB Investment Account(s) showing your Investment holding(s) month-end position post migration. You can make a comparison of your UT and/or RB holding(s) at UOB against your previous UT and/or RB holding(s) at Citi.
12.
Are there any action(s) required from me for my Investment account(s) held at Citi prior to the migration?
+
No, you do not need to perform any action(s). Your investment holding(s) at Citi will be transferred to UOB automatically with prior notification to you.
13.
Will there be any change(s) to my Unit Trust (UT) unit holdings when my UT portfolio is migrated to UOB?
+
Citi records UT unit holdings in terms of 4 decimal places whereas UOB follows the industry standard of 2 decimal places. When your UT unit holdings are migrated to UOB, we will be rounding up your UT unit holdings to 2 decimal places. As a result of this rounding exercise, the average cost and profit/loss calculation of your UT portfolio at UOB might be slightly different from that at Citi.
14.
How do I know if my Investment Account(s) at Citi will be migrated to UOB?
+
Your Investment Account(s) will be migrated to UOB so long it is not a closed account or an account with blank transaction history (i.e. no transactions performed since the account was opened).
15.
My Citi Unit Trust (UT) Investment Account is currently holding both UT cash investment(s) and EPF investment(s). How would these UT holdings be migrated to UOB?
+
Your UT holdings will be transferred to two newly created UT Investment Accounts at UOB; one for UT cash investment(s) and another for EPF investment(s). Please refer to our letter to you on your new accounts at UOB.
16.
I have one (1)/at least one (1) regular savings plan with Citi. Will it be continued after my Unit Trust (UT) portfolio is migrated to UOB?
+
Your regular savings plan (RSP) will be migrated to UOB and will continue until the maturity of your RSP or if you instruct UOB to cease your RSP (whichever is earlier).
17.
After my Investment Account(s) are migrated to UOB, how will my investment portfolio be managed and what is the advisory approach in wealth management?
+
UOB recognises the importance of having regular conversation with you, where conversations will include a review of your investment portfolio to help you meet your financial goals. UOB's unique and proprietary Risk First Approach towards wealth management will ensure your wealth protection is prioritised, followed by recommendations that will enhance your portfolio.
18.
Does UOB offer 2 types of dividend instructions (cash dividend and reinvestment dividend) for my selection for each of the Unit Trust (UT) distributed by UOB?
+
Only one (1) dividend instruction (either cash dividend or reinvestment dividend) is offered for each UT distributed by UOB.
19.
I received a letter on my new UOB Investment Account number(s). When can I start using the new UOB Investment Account number(s)?
+
The new UOB Investment Account number(s) will be effective after the successful integration exercise in the third quarter of 2023.
  • Before the migration date: Please continue to operate your existing Citi Investment Account(s).
  • After the migration date: Please use the new UOB Investment Account number(s) for your investment transactions.
B. Rewards & Benefits
1.
I participated in Citi's campaign (Citigold and Citi Priority Redefining Wealth Programme) recently to enjoy a Fixed Deposit promotional rate with investment. Will I continue to enjoy this benefit?
+
Yes, you will continue to enjoy this benefit until the maturity of the Fixed Deposit placed under this Campaign.
2.
Will all the investment products that I have in Citi be migrated to UOB as is, or will there be changes to the features and benefits?
+
There is no immediate change to the features and benefits of your Citi investment products and rest assured that you will be notified in advance prior to any changes being made.
3.
Can I participate in both Investment Campaigns in UOB and Citi at the same time and receive both Campaign rewards?
+
Yes, you can participate in both the investment campaigns in UOB and Citi concurrently and receive the respective rewards from the respective banks. Gifting of rewards is subject to prevailing terms and conditions by the respective banks.
4.
I participated in Investment - Time Deposit (TD) and/or Investment - Foreign Currency Time Deposit (FCTD) Promotions at Citi. Will there be any change(s) to the TD and/or FCTD promo rate(s) that I am currently entitled to or will the rate(s) revert to Fixed Deposit (FD) board rate(s) at UOB when my TD/FCTD placement(s) are migrated to UOB?
Note: TD/FCTD is referred to as FD/FCTD at UOB.
+
If you participated in the July 2023 Investment-TD and/or Investment – FCTD Promotions at Citi and did not perform a UT cooling off transaction, there will be no changes to your TD/FCTD placements made under the Promotions post migration of your TD/FCTD placement(s) to UOB (your TD/FCTD placement(s) will then be referred to as FD/FCTD placement(s) at UOB).
C. Branch Banking and Services
1.
Can I perform my investment transactions at former Citi branches?
+
In order to ensure a smooth transition of your investment as part of the Business Transfer, Investment trade operations have to be temporarily suspended on all channels as per below schedule. Please do not place any instruction for investment transaction(s) including transfer of Unit Trust (UT) or Retail Bond (RB) via your existing Investment Account(s) at Citi.

Kindly refer here for Scheduled Trade Suspension on UT or RB.
2.
Do I need to visit any UOB branch in person to create new investment accounts or will all my existing Citi investment accounts be migrated over automatically?
+
No, there is no need to visit a UOB branch for any new investment account creation. You are not required to sign any forms or documents for your existing Citibank accounts which will be automatically migrated to UOB, with prior notification to you.
3.
Do I need to provide and sign a new W-8BEN form when my Retail Bond (RB) holding(s) are transferred to UOB?
+
If you are not a U.S. Person and continue to hold bond(s) issued by company(ies) that pay U.S. source fixed, determinable, annual or periodical (“FDAP") income, you are required to furnish a fresh W-8BEN Form to Citi at least 2 months prior to your RB holding(s) being transferred to UOB in order to be exempted from the withholding tax. If you do not hold and have no intention to hold such RB, then you do not need to furnish a fresh W-8BEN form to Citi.
4.
Can I open a new Investment Account at Citi during the migration period?
+
To facilitate the migration activity, there will be downtime for one (1) month before the migration date, for new Investment Account opening at Citi. Please visit any UOB branches for us to assist you in opening new Investment Account(s) during this period.
5.
What will happen to my current risk profile post my Investment Account(s) migration to UOB? Do I need an active risk profiling to continue my subscriptions for investment(s) at UOB?
+
You are required to re-perform the risk profiling upon performing the first investment transaction post your Investment Account(s) migration to UOB.
6.
Can I continue to enjoy FX Conversion via phone service offered by Citi at UOB after the migration date?
+
Citi Retail FX Hotline will not be available post migration date. You may reach out to your client advisor/Relationship Manager for the foreign currency conversion service. Alternatively, you may visit any UOB branch to perform the conversion between your currency accounts.
7.
I want to check my investment and/or insurance holding / balance in UOB TMRW app but I am unable to view it. What should I do?
+
You will be able to view your investment and/or insurance holding / balance in UOB TMRW app latest by end of 18 July 2023 (Tuesday). The feature is temporarily unavailable on UOB TMRW due to a recent service update. Rest assured that your investment and/or insurance holding is secured with us.
8.
Will I be able to check my latest Investment holding for my Unit Trust / Retail Bond Investment Account No. xxxxx, insurance holding and insurance policies info via UOB Contact Centre?
+
Unfortunately, our UOB Contact Centre is unable to provide you the information. Please visit the nearest UOB branch for our sales representatives to assist you.
9.
Can the UOB Contact Centre help to execute my investment instruction? Are they able to perform Unit Trust Redemption of 1,000 units in Fund ABC on my behalf?
+
UOB Contact Centre is unable to execute your redemption instruction. Please visit the nearest UOB branch for our sales representatives to assist you.
D. Digital Services
1.
Can I continue to access Citibank Online and Citi Mobile® App banking services to view my investments?
+
Yes, you can continue to access Citibank Online and Citi Mobile® App services anytime, at your convenience. Rest assured that you will be notified in advance prior to any changes being made.
2.
How do I check on my new/migrated Investment Account(s) at UOB?
+
Your Investment Account(s) will be ready for viewing via UOB TMRW app or UOB Personal Internet Banking, post migration.
More
Branch
A. Branch Services
1.
As a UOB customer, can I update my personal information through Citi?
+
No, you need to visit UOB branches to update your personal information as both banks' systems are not integrated yet. You will only be able to update your personal information at any UOB branches upon migration.
2.
As a Citi customer, can I update my personal information through UOB?
+
No, you need to visit former Citi branches to update your personal information as both banks' systems are not integrated yet. You will only be able to update your personal information at any UOB branches upon migration.
3.
How many former Citi branches are there in Malaysia?
+
There are currently 10 former Citi branches in Malaysia. Please refer to our Citi website for a list of locations.

During Citibank Malaysia’s Consumer business transition period to UOB and while the system integration is in progress, Citi Consumer customers with Citi branded accounts and services will continue to be served by the Citi service team and through Citi channels.

These 10 former Citi branches have been rebranded with UOB signage since April 2023 and there will be no impact to your banking services through these former Citi channels.
4.
How many UOB branches are there in Malaysia?
+
There are currently 45 UOB branches in Malaysia. Please refer to our UOB website for a list of locations.

During Citibank Malaysia’s Consumer business transition period to UOB and while the system integration is in progress, UOB customers with UOB branded accounts and services will continue to be served by the UOB service team and through UOB channels.
5.
Will there be a change to UOB branch banking hours?
+
There will be no change to UOB branch banking hours.
6.
Will there be a change to the banking hours at former Citi branches?
+
There will be no change to the banking hours at former Citi branches.
7.
Can I make enquiries on my UOB account at former Citi branches and vice versa?
+
No, you are not able to make such enquiries as both banks' systems are not integrated yet. You will only be able to make enquiries at any UOB branches upon migration.
8.
Does UOB have Safe Deposit Boxes (SDB)?
+
Yes, there are 6 UOB branches which have SDBs i.e. KL Main, Klang, Jalan Tengah, Damansara Uptown, Butterworth and Leboh Bishop.
9.
Does Citi have Safe Deposit Boxes (SDB)?
+
Yes, there are 3 former Citi branches which have SDBs i.e Jalan Ampang, Southkey Mozek and Penang Garden.
10.
Will there be any changes to my Citi Safe Deposit Box (SDB)?
+
There will be no changes to your Citi SDB box number and Standing Instructions.
11.
I am the sole signatory for my Citi Safe Deposit Box and I am not able to come to the branch. Can I send a representative or amend the mandate?
+
No, such action is not allowed.
12.
Can I still add another person as my joint Citi Safe Deposit Box holder?
+
Yes you can, subject to the terms and conditions. Please visit a former Citi branch for more information.
13.
Will there be any UOB branch closure or relocation?
+
There is no UOB branch closure or relocation. All branches will remain at the same location as of now.
14.
Will there be any former Citi branch closure or relocation?
+
There is no former Citi branch closure or relocation. All branches will remain at the same location as of now.
15.
What are the operating hours for UOB Self-Service Banking (SSB)?
+
UOB SSB operates from 6:00 a.m. to 12:00 midnight daily. Please refer to UOB website for the latest information.
16.
What are the operating hours for Self-Service Banking (SSB) at former Citi branches (now known as UOB)*?
+
Self-Service Banking (SSB) at former Citi branches (now known as UOB)* i.e. ATMs, Cash and Cheque Deposit Machines operate 24 hours daily.

Service Interruption Notice:
  1. Automated Teller Machine (ATM) & Cash Deposit Machine (CDM): Service interruption from 14 July 2023, 7:00 p.m. till 16 July 2023, 5:00 p.m.

    Emergency cash withdrawal service is available for a one-off withdrawal during the system downtime, at the following former Citibank branches (now known as UOB)* on 15 & 16 July 2023 from 9:00 a.m. to 4:00 p.m. Please bring along your MyKad for verification purposes.
    • Jalan Ampang, Kuala Lumpur
    • Penang Garden, Penang
    • Southkey Mozek, Johor Bahru
  2. Cheque Deposit Machine (CQM): Service interruption from 13 July 2023, 4:00 p.m. till 16 July 2023, 5:00 p.m.
All services will resume on 16 July 2023, 5:00 p.m.

*Former Citi branches, now known as UOB listed here.
17.
When former Citi branches have been rebranded to UOB, can I perform UOB account transactions at these former Citi branches, or Citibank account transactions at UOB branches?
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Please continue to bank as usual with former Citi branches for your Citi accounts and UOB branches for your UOB accounts. You are only able to perform transactions at any UOB branches upon migration.
18.
Can Citi customers purchase Manager's Cheque?
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Citibank ceased issuing Manager’s Cheques since 1 February 2023.
B. Complaint Handlings
1.
Can I get UOB to assist me on my issue with my Citibank account(s)/credit card(s) since you are all under the same bank now?
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Effective 16 July 2023, upon the completion of our integration with Citibank, you can walk in to the nearest branch or contact us via the following numbers or email for assistance.

Branch Locations:
Refer to our website here for the expanded network of 55 branches

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

Email: uobcustomerservice@uob.com.my and we will respond to your enquiries within 3 business days.

Before 16 July 2023, our systems are not fully integrated yet and we do not have access to your Citibank account(s) information to assist on your issues. Please visit here for more information or you may contact the following for immediate assistance:

CitiPhone
  • Kuala Lumpur: 03-2383 0000
  • Penang: 04-296 0000
  • Johor Bahru: 07-340 6000
  • Sabah & Sarawak: 1800-82-1010 (Sabah & Sarawak)
Or log in to Citibank Online to send a secure email and Citi will respond to you within 3 business days.
Digital Services

Click here to view in: ChineseBahasa Melayu

A. Migrating from Citi Online Banking and Citi Mobile® App
1.
When will Citi Mobile® App and Citibank Online be deactivated?
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You will no longer be able to use your Citi Mobile® App upon migration.

Please download the UOB TMRW app from Apple App Store, Google Play or Huawei AppGallery and register for UOB Online Banking.

With UOB TMRW app, you will be able to:
  1. View account balances and download eStatements
  2. Make payments or transfers on-the-go with JomPAY bill payments, GIRO and DuitNow transfer services, all at your fingertips
  3. Manage your money with ease, with personalised financial insights
  4. Explore and enjoy exclusive dining, shopping and travel deals
For more information on UOB TMRW app features, click here.
2.
Will I be able to access Citibank Online/Citi Mobile® App to view previous Citi eStatements after registering for UOB Online Banking?
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You will no longer be able to use your Citi Mobile® App upon migration.

Your previous eStatements will not be migrated to UOB. Do download all your previous Citi eStatements before migration.
3.
What happens to the alerts that I've subscribed to on Citi Mobile® App or Citibank Online? Will I continue to receive these alerts?
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After you register for UOB Online Banking, you will continue to receive important SMS notifications for new account activities and transactions performed online (e.g. payment received and eStatement availability).
4.
Will there be any service interruption/termination prior to the cessation of Citi Mobile® App and Citibank Online?
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Some functions may not be available prior to the cessation of Citi Mobile® App and Citibank Online in Malaysia.

Advance notice of Citi Mobile® App and Citibank Online service interruption or termination will be made available on Citi Mobile® App and Citibank Online.
B. Registering & Setting up UOB Online Banking
1.
How do I register for UOB Online Banking?
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If you are currently a UOB customer, you can log in to UOB TMRW app with your existing username and password.

To sign up for UOB Online Banking access, you can do so at our branches or at our Automated Teller Machines (ATM) after office hours.

Banking Hours:
Monday to Friday: 9.30 am - 4.00 pm

Self-Service Banking Hours:
Monday to Sunday: 6.00 am - 12.00 midnight

Don't forget to register for UOB Access on your UOB TMRW app to authenticate your transactions.
2.
Will I be able to use my existing Citi username and password to log in to UOB Online Banking?
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You will not be able to use your existing Citi username and password. You can register for UOB Online Banking via our UOB TMRW app.

For more information on registering for UOB online services, please refer to the above question “How do I register for UOB Online Banking?”.
3.
I am an existing UOB customer with UOB Online Banking access. Will I be able to view my migrated Citi account(s) using my existing UOB username and password?
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Yes, you can view your migrated Citi account(s) by logging in to UOB TMRW app with your existing UOB username and password upon migration.

Please refer to the letter you have received regarding your new UOB account number(s) for your migrated Citi account(s).

If you are unable to view your migrated Citi account(s) upon logging in to UOB TMRW app, please contact our 24-hour Contact Centre at 03 2612 8121.
4.
Can I visit a UOB branch to register for UOB Online Banking or can it only be done online?
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Yes, you can visit a UOB branch to register for UOB Online Banking.

However, you can skip the queue and traffic by registering with UOB TMRW app in just a few simple steps. For more information, please refer to the above question “How do I register for UOB Online Banking?”.
5.
I hold multiple Citi accounts, will I be able to view them all in the UOB TMRW app?
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Yes, you will be able to view your newly migrated Citi account(s) on the UOB TMRW app once you have registered for UOB Online Banking.
6.
What's the minimum OS requirement for UOB TMRW app? Why do I need to update to the minimum OS?
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UOB TMRW app supports Android 10.0 or higher and iOS 13.0 or higher. We recommend that you keep your phone updated to the latest OS version, as such updates provide bug fixes and security upgrades to your phone’s operating system which in turn provides better security.
7.
Who should I call for issues relating to UOB Online Banking?
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You may contact the UOB Contact Centre at 03-2612 8121 for any queries relating to UOB Online Banking.
8.
Is UOB TMRW app available in Huawei AppGallery?
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Yes, UOB TMRW app is available in Huawei AppGallery.
9.
How do I set up Face ID/Biometric authentication?
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Here's how:
  1. On the UOB TMRW app login page, tap on the Face/Fingerprint ID icon
  2. Tap on Enable Face/Fingerprint ID icon
  3. Verify your secret word and key in your password to complete the setup
10.
Are UOB Mighty and UOB TMRW the same app?
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Yes, as of 6th May 2023, UOB Mighty was rebranded to UOB TMRW.
11.
I can’t login because I see an alert that I have downloaded an app from an untrusted source. What does this mean?
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UOB TMRW cannot be used with applications with accessibility permission from untrusted sources*. These applications may potentially compromise your banking information. To protect your banking information, you will be requested to uninstall such applications when they are detected by our security system.

Please be assured that UOB TMRW does not store any information on the applications installed on your device.

*Only download applications to your mobile devices from trusted sources/official app stores such as Apple App Store, Google Play Store, Xiaomi Store, Oppo Store, Vivo Store, Samsung Store, Amazon Store, and Huawei AppGallery.
12.
Why must I uninstall certain apps before I can use UOB TMRW?
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We take the security of your online banking very seriously. By granting accessibility permission to certain apps from untrusted sources, you are potentially putting your personal information and banking credentials at risk of being copied and used without your knowledge.

APK files are particularly prone to this risk as they are not regulated by any official app store such as Google Play Store or Huawei AppGallery.

Due to this potential security risk and our utmost diligence in keeping your banking information safe, UOB TMRW cannot be used if these apps are detected in your phone by our security system.
13.
I have the UOB banking app on my phone, why can’t I launch or update the app?
+
UOB TMRW app supports Android 10.0 or higher and iOS 13.0 or higher. We recommend that you keep your phone updated to the latest OS version, as such updates provide bug fixes and security upgrades to your phone’s operating system which in turn provides better security.
14.
I have a Citi Internet Banking user ID. Can I log in to UOB TMRW MY or UOB Personal Internet Banking using the same user ID?
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You will need to re-register for UOB TMRW MY in order to log in to UOB TMRW app.
15.
I have downloaded the UOB TMRW MY app, but unable to register. I inserted my email address, but shown “Error code E147”. What do I do next?
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To register for UOB TMRW MY, you will need to use the same email ID you registered with Citi.

If you are an existing customer with UOB and Citi, please use the same email ID you registered with UOB.

If you encounter an “Error code E147, it means that you have hit an error registering, which we are working to fix as soon as possible. If you require urgent assistance, for transferring or checking your account balance, please go to the nearest UOB ATM or any MEPS ATM, to view or transfer.
16.
I have downloaded the UOB TMRW MY app, but unable to register. I inserted my email address, but shown “Error code E1440”. What do I do next?
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If you encounter this “Error Code E1440” , it means that you have hit an error registering which we are working to fix as soon as possible. If you require urgent assistance, for transferring or checking your account balance, please go to the nearest UOB ATM or any MEPS ATM, to view or transfer.
17.
During the registration to UOB TMRW MY, I encountered “Error code KRTN001”. What do I do next?
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If you encounter this “Error Code KRTN001”, please ensure you input the correct debit or credit card number and the correct pin.
18.
During my registration for a user ID for UOB TMRW app and UOB Personal Internet Banking, I was prompted to input PIN. Which PIN is it referring to?
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The PIN required is the same PIN used for your credit card or ATM debit card. Please do not disclose this PIN to anyone to perform this registration on your behalf.
19.
I tried logging into UOB TMRW app and Personal Internet Banking. However, I was prompted with the wrong secret word. What should I do next?
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The Username is case sensitive. Do ensure that the upper and lower cases of your username have been inputted correctly. If you are still prompted with the “wrong secret word”, please email us at uobcustomerservice@uob.com.my and we will respond within 3 working days.
20.
I can log in to UOB TMRW. However, I can’t view all my accounts. What do I do next?
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Upon successfully logging in to UOB TMRW, kindly proceed to access your accounts by selecting ‘Accounts’ from the menu bar at the bottom. In the event that you are encountering difficulties in viewing any of your accounts, we are actively working to resolve this matter.

If you need to perform an urgent transaction, we recommend visiting your nearest branch. For a comprehensive listing of our branches, please click here.

If your account is deemed inactive or dormant, you will still be able to view your migrated accounts. However, transaction capabilities will be restricted. For any transactions related to inactive accounts, we kindly request you to visit your nearest branch for further assistance. Thank you for your understanding and cooperation.
C. UOB Online Banking Features & Services
1.
Do UOB TMRW app and UOB Personal Internet Banking offer payment services like DuitNow, GIRO and JomPAY?
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Yes, you are able to make bill payments and fund transfers via DuitNow, GIRO and JomPAY on UOB TMRW app or UOB Personal Internet Banking.

For more information on our bill payment and fund transfer services, click here.
2.
Will my existing Standing Instructions/recurring payments with Citi Current and Savings Account(s) be migrated to UOB?
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Your existing Standing Instructions and recurring payments with Citi Current and Savings Account(s) will not be migrated to UOB. You will need to set them up again via UOB TMRW app or UOB Personal Internet Banking upon migration.

For more information on setting your Standing Instructions, click here.
3.
How do I set up my UOB Access?
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To set up your UOB Access on UOB TMRW app, follow the steps below:

UOB Access turns your smartphone into a digital security token for easy, secure and convenient authentication of your online banking transactions.

To learn more about UOB Access, click here.
4.
Will my DuitNow ID with Citi be migrated over to UOB?
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Yes, your DuitNow ID that is tagged to your Citi Current or Savings Account will be linked to your new UOB Current or Savings Account.

Here's how you can check in the UOB TMRW app:
  1. Go to 'DuitNow' on the dashboard
  2. Tap on 'Manage' on the top right corner
  3. You will be able to view the account your DuitNow ID is tagged to
5.
If I received eStatements previously in Citi, do I automatically continue to receive eStatements or do I have to enrol for it?
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Yes, you will automatically continue to receive eStatements via UOB TMRW app. However, you will no longer receive the eStatement via email.

Here’s how to view your eStatement via UOB TMRW:

6.
Will my saved payee data be transferred?
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Your saved payee data will not be transferred. You will have to add your saved payee(s) again.

Here’s how to add a payee:
  1. Log in to UOB TMRW app and tap on ‘Pay/Transfer’
  2. Tap on ‘Add payee’
  3. Key in your payee information
  4. Review and confirm your payee's information
7.
I have online banking transaction limits set in the Citi app, will these limits be transferred?
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You will have to set your transaction limits again. To set your transaction limits:
  1. Log in to UOB TMRW app
  2. Go to 'Services
  3. Under 'General', tap on 'Transaction Limits'
8.
If I have not activated my Citi Credit/Debit Card, can I activate it on UOB TMRW app?
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Yes, you can activate your Citi Credit/Debit Card on UOB TMRW app upon migration.

Here's how:

9.
Can I view my past Citi credit card transactions/activities on UOB TMRW app?
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Yes, you will be able to view your past credit card transactions and/or activities of up to 90 days on UOB TMRW app.
10.
Can I view and redeem my rewards points/premier miles on UOB TMRW app?
+
Yes, you will be able to view and redeem your rewards points on UOB TMRW app upon migration.
11.
If I am a former Citi Credit Card holder, after UOB TMRW app/UOB Personal Internet Banking registration, where can I view my credit line and outstanding account balances?
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Please log in to UOB TMRW app, and follow these easy steps:
  1. Select ‘Account’ from the menu bar at the bottom
  2. Tap on your desired card
  3. Tap on ‘Details’
You can then view your available credit limit, available cash advance, current statement due, minimum payment and due date.
12.
I have performed a credit card and CASA account transaction on UOB TMRW app and UOB Personal Internet Banking. How do I view my transaction history?
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To view your transaction history, please log in to UOB TMRW app, and follow these easy steps:
  1. Select ‘Accounts’ from the menu bar at the bottom
  2. Tap on card or deposit account you wish to view
  3. Tap on ‘Transactions’
You can now view up to 90 days of your past credit card transactions. As for deposit accounts, you can only see transactions performed since 16 July 2023.
13.
I have logged in to UOB TMRW app and UOB Personal Internet Banking successfully. However, I’m unable to perform 3rd party fund transfers to other bank accounts. What can I do to make this transfer?
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In order to perform funds transfer, you will need to enrol for UOB Access to create and activate your Secure PIN.

UOB Access is a digital security token embedded in your smartphone for authentication of PIB and UOB TMRW app transactions as an alternative to SMS OTP. There will be a 12 hour cooling off period after you register for UOB Access. This is a requirement for all banks in Malaysia to protect you from online scam/fraud.

For more information on registering for UOB Access, please refer to the question “How to set up UOB Access?”.
14.
I have enrolled for UOB Access. However I’m still unable to perform funds transfer. What do I do next?
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Do note that the default funds transfer limit for new customers is set at RM5,000. If your transfer amount exceeds the limit, you will need to perform the following:
  1. Tap on ‘Services’ on the menu bar at the bottom
  2. Tap on ‘Transaction Limits’ to view and change your limit.
Here's how to make third party payment or fund transfer on UOB TMRW app:

During fund transfer, if the pop up message “Unable to proceed. For full access to this feature, reset password with your card and PIN” is shown, this means you have 1st party access* and will need 3rd party access to proceed. To obtain 3rd party access, please visit our Branch to upgrade to full access.

* 1st party access only allows users to perform transactions within their own accounts.
15.
Why are my payment(s) to Citi Credit Card(s) from non UOB Bank being rejected?
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If you have set your recurring payment from another bank account or saved payee as Citi, you will need to set up the standing instruction/favourite payee again to UOB Malaysia using the same credit card details.