Effective 16 May 2025, the Complimentary Ride Home Programme with Airport Limo will be replaced with the Grab Ride Home Programme for UOB Zenith and UOB PRVI Miles Elite Cards.
UOB Zenith and UOB PRVI Miles Elite Cardmembers may continue to use the service with Airport Limo (redemption at the Airport Limo Booth in KLIA Terminal 1) until 15 May 2025.
For more information on the new Grab Ride Home programme, kindly:
UOB PRVI Miles Elite Card Terms and Conditions: ENG
Effective 26 May 2025, for a safe and secure banking experience, UOB will be implementing a new security feature to detect potentially malicious apps that exploit accessibility permissions on Android devices. If such apps are found on your Android device, access to the UOB TMRW app may be temporarily restricted.
Rest assured, UOB TMRW app does not monitor your phone's activity, nor does it collect or store any personal data. Click here for more info.
To help protect your banking activities and provide a more secure experience, we’re updating the minimum system requirements for the UOB TMRW app and UOB Personal Internet Banking effective 15 May 2025.
UOB TMRW App (iPhone users): The app will support only iOS 15 and above. If you’re on an older version, you will no longer be able to access the app. To continue using the app without any interruption, please update your device’s iOS version to 15 and above.
UOB Personal Internet Banking (web browsers): Please ensure your browser is updated to one of the versions below.
Google Chrome version 109 and above
Microsoft Edge version 109 and above
Apple Safari version 14 and above
Mozilla Firefox version 115 and above
We recommend updating your iOS and web browser to the above supported versions before 15 May 2025 to avoid any disruption to your online banking activities.
With the rise in scam cases and unauthorized account takeovers, to safeguard your banking experience, an additional step is now required to activate Secure PIN for UOB Access. This is only applicable for customers who have changed mobile devices or activating Secure Pin for UOB Access for the first time.
What is UOB Access and Secure PIN? UOB Access is a digital security token embedded in your smartphone that allows you to securely authenticate transactions on UOB Personal Internet Banking and the UOB TMRW app.
When setting up UOB Access, you must create a 6-digit Secure PIN, which acts as your personal authentication code to verify online banking transactions. Thereafter, call UOB Contact Centre at the number displayed in your UOB TMRW app's on-screen alert within the 12-hour cooling off period to confirm your request. Log in after 12 hours to complete activation.
What to expect for activation?
If you confirm your request by calling UOB Contact Centre within the 12-hour cooling off period, you can activate your Secure PIN on UOB TMRW app without experiencing any delay.
Important: Effective 21 April 2025, if you do not call us to confirm your request, your Secure PIN will not be activated for UOB Access, and your login to both UOB Personal Internet Banking and UOB TMRW app will be restricted.
If you confirm your request after the cooling off period, activation may take up to 3 hours to process before you are able to login for UOB online banking services.
Please be advised that the following CelcomDigi Prepaid Reload services will no longer be available on UOB Personal Internet Banking effective 1 April 2025:
Celcom Airtime Mobile Prepaid Reload
Digi Chatz IDD Mobile Prepaid Reload
Digi Mobile Prepaid Reload
For alternative CelcomDigi reload options, visit CelcomDigi’s official website. Thank you.
Please be informed that effective 8 March 2025, UOB Malaysia will be updating the Interactive Voice Response (IVR) steps for UOB Credit/Debit Card activation, as below:
Call the PIN creation hotline at 03-2612 8111 using your mobile number registered with UOB
Key in your card number, card expiry date and date of birth
Key in the One-Time-Password (OTP) received via SMS
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Power Up Rewards Campaign 11 November 2024 – 28 February 2025 and Wealth Banking Power Up Rewards Campaign 11 November 2024 – 28 February 2025, have been extended to 31 March 2025. Kindly refer to the below promo page for the Terms & Conditions.
The Finance Act 2024 has introduced amendments to the Stamp Act 1949 whereby, with effect from 1st January 2025, the stamp duty rate for cheque instruments has been revised from RM0.15 to RM1.00.
The stamp duty for cheque instruments is revised as follows:
Frequently Asked Questions (FAQS) on Stamp Duty Charges
Questions
Answers
1. Why is there an increase on the stamp duty for Cheque Book Issuance and Cashier’s Order?
The Finance Act 2024 came into force on 1st January 2025. The Act made amendments to amongst others, the Stamp Act 1949 (“Stamp Act”). Pursuant to the amendments, stamp duty payable on cheques has been duly increased from RM0.15 to RM1.00 per cheque. The amendments are applicable to all financial institutions and the new stamp duty charges are effective from 1st January 2025.
2. Is the RM1.00 stamp duty charged per cheque leaf or per cheque book?
It is charged per cheque leaf. For example, if a cheque book is issued with 50 pieces of cheque leaf, the customer would be charged RM50.
3. Can I request for exemption of stamp duty?
We are unable to grant any waiver for stamp duty as this is collected by the Bank to be paid to Lembaga Hasil Dalam Negeri Malaysia (LHDNM).
Please be informed that we have added a new merchant “The Food Merchant” to Clause 1(v) as part of the “Groceries” category.
For the updated terms and conditions, please click here.
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Sign Up Jul’24 – Jan’25 Campaign and UOB Malaysia Wealth Banking Sign Up Jul’24 – Jan’25 Campaign has been extended to 31 March 2025. Kindly refer to the below promo page for the Terms & Conditions.
Privilege Banking sign up campaign (1 July - 31 March 2025) terms and conditions: ENG
Wealth Banking sign up campaign (1 July - 31 March 2025) terms and conditions: ENG
Important Update: Discontinuation of UOB Pay Service
Please take note, you may experience intermittent disruption on the UOB Pay Service. Effective 28 Feb 2025, UOB Pay service will no longer be available to use on UOB TMRW. As we look to enhance your banking experience, the discontinuation of UOB Pay allows us to focus our efforts on an improved payment solution offering in future. In the meantime, please continue to use your physical UOB credit or debit card for all your transactions.
We regret any inconvenience caused. Thank you for your support.
Please be informed that there will be a revision to the channels available for UNIRinggit Rewards Catalogue redemption, effective 24 February 2025.
Channels Available for Redemption
Current
Effective 24 February 2025
UOB TMRW app
UOB Website
UOB Contact Centre
UOB TMRW app
UOB Contact Centre
In line with the above revision, clause 6 and clauses related to the Redemption of UNIRinggit for Gifts of the UNIRinggit Rewards Programme Terms and Conditions will be revised.
Dear valued customers, kindly be informed that effective 13 January 2025, UOB Malaysia branches will be operating from 9:30am to 4:00pm, Monday to Friday* (except Public Holidays).
You may continue to access our Personal Internet Banking website or TMRW app for all your digital banking needs. To find out which branch is nearest to you, please use our Branch Locator: https://go.uob.com/4fLBr3L.
*Sunday to Thursday for branches in Kelantan and Terengganu.
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Sign Up Jul’24 – Dec’24 Campaign, UOB Malaysia Wealth Banking Sign Up Jul’24 – Dec’24 Campaign, UOB Special Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign and UOB Special Wealth Banking Sign Up for new-to-bank & selected credit cardholder Campaign has been extended to 31 January 2025. Kindly refer to the below promo page for the Terms & Conditions.
Privilege Banking sign up campaign (1 July – 31 January 2025) terms and conditions: ENG
Wealth Banking sign up campaign (1 July - 31 January 2025) terms and conditions: ENG
Special Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign terms and conditions: ENG
Special Wealth Banking Sign Up for new-to-bank & selected credit cardholder Campaign terms and conditions: ENG
Please be informed that the redemption rate for following items will be revised as follows:
Category
Redemption Item
UNIRinggit Required
Current
Revised (effective date: 15 Jan 2025)
*Digital Vouchers
Grab Food Digital Voucher Worth RM50
36,000
40,000
Family Mart RM50 Digital Voucher
Starbucks Malaysia Mobile Apps RM50 Digital Voucher
Lazada's App RM50 Digital Voucher
Shopee RM50 Digital Voucher
Shell Voucher RM50 Digital Voucher
Zus Coffee RM50 Digital Voucher
Jaya Grocer RM50 Digital Voucher
*Digital Vouchers redemption can only be made through Online Redemption (via UOB website or UOB TMRW)
Category
Redemption Item
Redemption Channels
UNIRinggit Required
Current
Revised (effective date: 15 Jan 2025)
Physical Voucher
AEON RM100 Physical Gift Voucher
Online Redemption
64,000
92,000
Contact Centre Redemption
82,000
115,000
Clause 3 and 38 of the UNIRinggit Rewards Programme Terms and Conditions have been revised.
To view the updated Terms and Conditions, please click here.
For the updated terms and conditions, please click here.
Please be informed that the campaign end period for WEALTH WELLNESS REGULAR INVESTMENT SAVINGS PLAN CAMPAIGN has been extended to 31 December 2025. Kindly refer to the below promo page for the Terms & Conditions.
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Sign Up Jul’24 – Nov’24 Campaign, UOB Malaysia Wealth Banking Sign Up Jul’24 – Nov’24 Campaign, UOB Special Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign and UOB Special Wealth Banking Sign Up for new-to-bank & selected credit cardholder Campaign has been extended to 31 December 2024. Kindly refer to the below promo page for the Terms & Conditions.
Privilege Banking sign up campaign (1 July – 31 December 2024) terms and conditions: ENG
Wealth Banking sign up campaign (1 July - 31 December 2024) terms and conditions: ENG
Special Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign terms and conditions: ENG
Special Wealth Banking Sign Up for new-to-bank & selected credit cardholder Campaign terms and conditions: ENG
Please be informed there is a revision of Clause 3 & 4 on the number of available units for each gift type in the Term and Condition, refer HERE for details.
Please be informed that we have updated the Terms and Conditions for UOB Malaysia EVOL Credit Card to provide better clarity on online (e-wallet) cashback eligibility.
For the updated terms and conditions, please click here
Revision of Campaign Period for UOB Malaysia Wealth Banking & Privilege Banking Sign Up Campaign and Special Wealth Banking & Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign.
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Sign Up Jul’24 – Oct’24 Campaign, UOB Malaysia Wealth Banking Sign Up Jul’24 – Oct’24 Campaign, UOB Special Privilege Banking Sign Up for new-to-bank & selected credit cardholder Campaign and UOB Special Wealth Banking Sign Up for new-to-bank & selected credit cardholder Campaign has been extended to 30 November 2024. Kindly refer below for the updated Terms & Conditions.
Please be informed that we have updated the Terms and Conditions for UOB Malaysia Visa Infinite and Privilege Banking Visa Infinite to provide better clarity on Birthday Double Airmiles Redemption.
UOB Visa Infinite Card revised clause:
Clause 1 (G) (c)
UOB Privilege Banking Visa Infinite Card revised clause:
UOB Privilege Banking Visa Infinite Terms and Conditions: ENG
With effect from 22 October 2024, 3rd party cheque encashment will no longer be accepted. As an alternative, please use our UOB online banking service to transfer money.
With effect from 22 October 2024, account holder can walk into the nearest UOB branch to withdraw cash without issuing a cheque, following account’s signing conditions.
Please be informed that the campaign end period for UOB Malaysia Privilege Banking Sign Up Jul’24 – Sep’24 Campaign and UOB Malaysia Wealth Banking Sign Up Jul’24 – Sep’24 Campaign has been extended to 31 October 2024. Kindly refer to the below promo page for the Terms & Conditions.
REDEMPTION OF UNIRINGGIT FOR AIR MILES Please be informed that the redemption rate of UNIRinggit for Air Miles will be revised based on the type of credit card(s) as follows:
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB Visa Infinite Metal
1,000 AirAsia Points
8,500
5,000
1,000 Asia Miles
4,500
5,000
1,000 Enrich Miles
4,500
5,000
1,000 KrisFlyer Miles
4,500
5,000
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB Visa Infinite
1,000 AirAsia Points
8,500
12,000
1,000 Asia Miles
9,000
12,000
1,000 Enrich Miles
9,000
12,000
1,000 KrisFlyer Miles
9,000
12,000
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB Privilege Banking Visa Infinite
1,000 AirAsia Points
8,500
10,000
1,000 Asia Miles
9,000
10,000
1,000 Enrich Miles
9,000
10,000
1,000 KrisFlyer Miles
9,000
10,000
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB Zenith
1,000 AirAsia Points
6,400
7,400
1,000 Asia Miles
6,400
7,400
1,000 Enrich Miles
6,400
7,400
1,000 KrisFlyer Miles
6,400
7,400
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB PRVI Miles Elite
1,000 AirAsia Points
9,000
12,000
1,000 Asia Miles
9,000
12,000
1,000 Enrich Miles
9,000
12,000
1,000 KrisFlyer Miles
9,000
12,000
Card Type
Redemption item
UNIRINGGIT Required
Current
Revised (effective date: 23 Sept 2024)
UOB PRVI Miles UOB Lady's Solitaire UOB Lady's Classic UOB Lady's Platinum UOB World UOB Preferred
1,000 Asia Miles
15,000
20,000
1,000 Enrich Miles
15,000
20,000
1,000 KrisFlyer Miles
15,000
20,000
Please be informed that we have revised clause 10 of the Terms and Conditions for the UOB Lady’s Platinum and Solitaire Cards Acquisition Campaign (Complimentary Dining for Two) under Prize Mechanics & Fulfilment, with effect from 6 September 2024.
Debit Card cumulative contactless amount will be revised from RM800 to RM1,250, effective from 9 September 2024.
Updated Clause 5.5.b. of UOB Malaysia Debit Card Terms and Conditions (effective 9 September 2024).
To view the updated Terms and Conditions, please click here.
Please be informed that we have updated the Terms and Conditions for UOB Malaysia Visa Infinite, Privilege Banking Visa Infinite and Visa Infinite Metal Card to provide better clarity and enhanced benefits of UNIRM for Overseas Spend, Complimentary Local Airport Limousine Service and Complimentary Airport Lounge Access.
UOB Visa Infinite Card revised clauses:
Clause 1 (A)(b) – Qualifying Spend for Complimentary Local Airport Limousine Service is now defined under General section.
Clause 1 (A)(d) – Increased capped redemptions throughout Campaign Period.
Clause 1 (A)(f) – Business Days is now defined under General section.
Clause 1 (C)(i) – Increased UNIRM entitlement for Overseas Spend.
Clause 1 (E) – updated UNIRM entitlement for clarity.
Clause 1 (F) – updated UNIRM entitlement for clarity.
UOB Privilege Banking Visa Infinite Card revised clauses:
Clause 1 (A)(b) - Qualifying Spend for Complimentary Local Airport Limousine Service is now defined under General section.
Clause 1 (A)(c) – Updated Local Airport Limo Service entitlement with spend for clarity.
Clause 1 (A)(d) – Increased capped redemptions throughout Campaign Period and increased number of redemptions per calendar month.
UOB Privilege Banking Visa Infinite Terms and Conditions: ENG
UOB Visa Infinite Metal Card Terms and Conditions: ENG
Important Notice:
We refer to the terms and conditions of UOB Lady’s Platinum and Solitaire Cards Acquisition Campaign (Complimentary Dining for Two) (Campaign Period: 8 April-8 July 2024) where the Winner will get complimentary dining for two (2) in either one of the participating award-winning restaurants in Malaysia, Thailand, or Indonesia.
Kindly be informed of the change in the participating restaurant in Thailand from J’AIME by Jean-Michel Lorain in Thailand to MIA Bangkok with effect from 9 August 2024.
Clause 1d of the UNIRinggit Rewards Programme Terms and Conditions has been revised.
To view the updated Terms and Conditions, please click here.
With effect from 28 August 2024, the Terms and Conditions Governing Accounts and Services (Conventional Banking) will be revised as follows:
Clause 47.6.7 – One Account Eligible Card
Please click on the link below for the revised terms and conditions.
Terms and Conditions Governing Accounts and Services (Conventional Banking): ENG | BM
We have updated the Terms and Conditions for UOB MID-YEAR SPENDTACULAR CAMPAIGN 2024 to include clause 31(f) under Prize Mechanics & Fulfilment, related to sub-campaign “Daily Cashback” with effect from 1 August 2024.
Please be informed that we have updated our Terms and Conditions for the UOB Commercial Credit Card Travel Personal Accident Insurance and UOB Complimentary Corporate Liability Waiver Insurance by enlisting the list of UOB Commercial Credit Card.
For the updated Complimentary Corporate Liability Waiver Insurance Terms and Conditions, please click here.
For the updated Travel Personal Accident Insurance Terms and Conditions, please click here.
Please be informed that we have updated the Terms and Conditions for UOB Malaysia Commercial Credit Cards Cashback applicable to cardmembers of UOB Commercial Credit Cards issued by UOB Malaysia Berhad.
The updated Terms and Conditions provides an extended and more precise version of the cashback category inclusions and exclusions. Revisions are on the following:
Table A – Cashback Category along with further clarity on Utility Spend
UOB Platinum Business Card includes E-wallet top up and Utilities Spend
UOB World Business Mastercard includes Jompay, E-wallet and Utilities Spend
Clause 8A (a), (i) – (s), and
Clause 8B (a) – (f).
Existing UOB Malaysia Commercial Credit Card Cashback Terms and Conditions : click here.
Updated UOB Malaysia Commercial Credit Card Cashback Terms and Conditions : click here.
Please be informed that we have updated the Terms and Conditions for UOB Malaysia Commercial Charge Card Cashback applicable to cardmembers of UOB Commercial Charge Cards issued by UOB Malaysia Berhad.
The updated Terms and Conditions provides an extended and more precise version of the cashback category inclusions and exclusions. Revisions are on the following:
Table A – Cashback Category along with further clarity on Utility Spend
Changes in E-wallet Top ups and Utilities Spend cashback rate, and
Clause 6 (n) - (s).
Existing UOB Malaysia Commercial Charge Card Cashback Terms and Conditions : click here.
Updated UOB Malaysia Commercial Charge Card Cashback Terms and Conditions : click here.
Please be informed that we have revised the UOB Malaysia Commercial Charge Card Cardmember Agreement by removing the definition of “Installment Payment Plan” clause as it is not applicable for a Charge Card.
Please be informed that we have updated our Terms and Conditions governing UOB Commercial Cards Facility.
The updated Terms and Conditions provides an extended and more precise version of definitions along with the inclusion of Virtual Payment Solution. Revisions are on the following:
Clause 1: Definition and Interpretation
Revision of the definition and interpretation of “Card”
Inclusion of the definition and interpretation of “Virtual Payment Solutions”
Clause 5.5 : Inclusion of the liability of a Corporate Member whom has applied for the Virtual Payment Solution
Clause 10A1 : Inclusion of (l) - in regards to Virtual Payment Solution
For updated UOB Commercial Cards Facility Terms and Conditions, please click here.
For existing UOB Commercial Cards Facility Terms and Conditions, please click here.
Please be informed that the following item available via Online Redemption for UNIRinggit Rewards Programme has been revised:
Item
UNIRM Required
Current UNIRM
Revised UNIRM
(effective date: 12 Aug 2024)
TOUCH 'N GO EWALLET RELOAD PIN RM50
36,000
40,000
Please be informed that One Account Interest Rates will be revised respectively to the following:
One Account
Balance Tier
Existing Rates (%p.a.)
Revised Rates (%p.a.)
Do Nothing
N1Do 1 Action
N2Do 2 Actions
Max. Effective Interest Rate
Do Nothing
N1Do 1 Action
N2Do 2 Actions
Max. Effective Interest Rate
First RM50,000
0.10
0.80
2.00
2.00
0.10
0.80
2.00
2.00
Next RM50,000
0.10
1.80
6.00
4.00
0.10
1.80
6.00
4.00
Next RM100,000
2.00
2.00
2.00
N33.00
0.10
1.80
4.00
N34.00
Above RM200,000
2.00
2.00
2.00
N42.89
2.00
2.00
2.00
N43.78
Eligible for N1 when perform any 1 of the following transactions or eligible for N2 when perform any 2 of the following transactions:
Spend a minimum or cumulative of RM500 with UOB Credit and/or Debit Card in a month
Inward Fund Transfer of RM2,000 cumulatively in a month
Pay three (3) bills with minimum of RM50 each bill in a month
Salary Credit with a minimum of RM2,000 in a month via UOB Infinity payroll or UOBM staff salary credit
New-to-Deposit customers who open a ONE Account
Direct Debit three (3) transactions with minimum of RM50 each transaction in a month
N3Maximum Effective Interest Rate for balance tier above RM100,000 is calculated based on RM200,000 deposit, provided customers complete any of the 2 actions per month.
N4Maximum Effective Interest Rate for balance tier above RM200,000 is calculated based on RM225,000 deposit, provided customers complete any of the 2 actions per month.
Protected by PIDM up to RM250,000 for each depositor.
Member of PIDM
With effect from 1 August 2024, the Terms and Conditions Governing Accounts and Services (Conventional Banking) will be revised as follows:
Clause 47.6 – One Account Interest Rate and Eligible Card
Please click on the link below for the revised terms and conditions.
Terms and Conditions Governing Accounts and Services (Conventional Banking): ENG | BM
Please be informed that we have updated the Terms and Conditions for UOB Malaysia PRVI Miles Elite to provide better clarity and updates on participating lounges. Revisions are on Clause 1(a)(ii)(b), Clause D (a), (b), (c), (d), (e) and (g) & Clause C (Table 1).
UOB PRVI Miles Elite Card Terms and Conditions: ENG
The increase in scam cases reveals how scammers are able to hijack your banking account and perform unauthorised transactions when they access your phone or when they use scare tactics to convince victims to make authorised payments under duress.
From 1 July 2024 onwards, any increase to your transaction limits for online banking will only be effective after 12 hours (12-hour cooling off period). This serves as an extra layer of security to prevent large sums of money being transferred out from your account(s) immediately if the transaction limit increase was performed by fraudsters. However, if you are looking to reduce your existing transaction limits, it will take effect immediately.
You will still be able to perform transactions that are within your existing transaction limits during the 12-hour cooling off period. Click here to find out more.
Clauses related to below section of the Introduce A Friend Programme Terms and Conditions have been revised.
Programme Mechanics
Rewards
General Terms and Conditions
Revised Terms and Conditions (effective from 15 July 2024) : ENG
Please be informed that we have revised clause 1 of this campaign on the campaign eligibility.
Terms and Conditions for Go Green with UOB Home Loan Campaign: English
Clauses related to below section of the UNIRinggit Rewards Programme Terms and Conditions have been revised.
Please be informed that the campaign end period for Member-Get-Member by Association – A PVWB Introducer Campaign has been extended to 31 December 2024.
Please refer to your Client Acquisition Manager, Client Advisor or Relationship Manager for the revised and updated terms and conditions.
Please be informed that we have added Clause 1(ix) and Clause 4 to provide better clarity on the definition of Posting Date and the tabulation of Minimum Retail Spend requirement for Cash Rebate eligibility.
Please be informed there is a revision of Clause 3 on the activation process in the Term and Condition, refer HERE for details.
In line with industry-wide efforts to combat fraud and scam cases, there are 3 enhanced security features that we have introduced to safeguard your personal details. You may experience any one of these features if our security system detects unusual online transactions or suspicious activities in your account.
On-screen alerts to review and validate your online banking requests like fund transfers. This is to ensure you are transferring money to the right person.
Additional authentication via email One-Time Password (OTP) to prevent fraudsters from impersonating you to perform unauthorised transactions.
Rejection of transaction or log in request if we detect any suspicious online transaction or account activities If you experience this, kindly follow the instructions on your screen and contact UOB 24-Hour Fraud Hotline immediately for assistance.
With effect from 27 February 2024, the Terms and Conditions Governing Accounts and Services (Conventional Banking) will be revised as follows:
Clause 47.6.7 Revised/Updated Definition of One Account Eligible Card
Please click on the link below for the revised terms and conditions.
Terms and Conditions Governing Accounts and Services (Conventional Banking): ENG | BM
Please be informed that the UOB Visa/ Mastercard Cardmember Agreement will be revised effective 6 March 2024 as part the Bank’s continuous effort to enhance and improve the delivery of services to our customers. The revision made is generally to provide further clarity to provisions relating to UOB Commercial Card.
Summary of material changes as below:
Item
Revision
UOB Credit Card & Charges
The UOB Credit Card Fees and Charges table has been moved from the agreement to UOB website. Please click here to view the UOB Credit Card Fees and Charges.
Clause 1 Definitions and Interpretation
The definition of the following has been updated and added to provide clarity on Commercial Card related clauses.
Updated definition:
•
Cardmember, you or your
•
Credit Card or Card
•
Credit Card Account or Card Account
•
Interest Free Period
•
Payment Due Date
•
Statement of Account
New definition:
•
Agreement
•
Joint & Several Liability
•
Company or Corporate Member
•
Late Payment Charges
•
Corporate Liability
•
Main Account
•
Commercial Card
•
Personal Liability
•
Commercial Card Account
•
Summary Statement
•
Total Balance Due
Clause 8.1 Credit Card Account
Amendments made to clarify that the hardcopy of Summary Statement and/or Statement of Account will be issued to corporate member with Commercial Card (Corporate and/ or Joint & Several Liability)
Clause 9 Credit Limit
Amendments made to summarize the credit limit assignment for Credit Card and Commercial Card
Clause 11.7 Fees, Charges and Right to Debit
Amendments made to clarify on the interest free period for Credit Card and Commercial Card (Personal Liability) i.e. 20 days and for Commercial Card i.e. one (1) calendar month
Clause 16.1 Termination, Cancellation, or Suspension of Credit Card
Amendments made to include the words “authorised person of the company” as the authorised person to terminate the use of credit card.
Clause 16.8 Termination, Cancellation, or Suspension of Credit Card
Amendments made to clarify the consequence of termination of the principal Credit Card and/or Commercial Card (Personal Liability) and Commercial Card (Corporate and Joint & Several Liability).
See below for the existing UOB Visa/ Mastercard Cardmember Agreement and the updated UOB Visa/ Mastercard Cardmember Agreement.
With effective from 9 February 2024, kindly be informed that Clause 7 in Member-Get-Member by Association – A PVWB Introducer Campaign in Bulk Terms and Conditions will be revised.
Please refer to your Client Acquisition Manager, Client Advisor or Relationship Manager for the revised terms and conditions.
Please be informed that the campaign end period for UOB MALAYSIA PRVI MILES FOREIGN SPEND CAMPAIGN and UOB MALAYSIA PRVI MILES ELITE FOREIGN SPEND CAMPAIGN has been extended to 30 June 2024. Kindly refer to the below promo page for the Terms & Conditions.
Please be informed that we had recently revised and amended our Privacy Notice and the Privacy Notice (PDPA-PN-005/23) will be effective on 29 December 2023 (refer below).
Our complete and detailed privacy notice is also available by request from our branches and/or via our website www.uob.com.my.
Please be informed that UOB Personal Internet Banking will not be supported on outdated browsers. We recommend that you use the latest supported web browsers version to ensure that you are protected against potential cyber threats, as an outdated browser is no longer receiving any security updates from the respective web browser providers.
As such, you may need to update your web browser to the latest version for a seamless and uninterrupted banking experience. No action is required if your browser version is already up to date.
Based on our records, we note that the interest free period for some customers who hold a UOB Commercial Card (personal liability) was incorrectly extended by up to 30 days from statement date. This has been rectified and the necessary adjustment has been made. The Bank will continue to honour the 30 days of interest free period until the end of the year (only to customers who received the notification via SMS / eDM / letter), and the updated interest free period will be effective 1 January 2024.
Details of the change:
Applicable Commercial Card (Personal Liability)
Platinum Business Mastercard Platinum Business Visa Corporate Mastercard Corporate Visa
Extended Interest Free Period (till 31 December 2023)
30 days
Updated Interest Free Period (from 1 January 2024)
20 days
To ensure a smooth transition and to avoid any inconvenience, kindly ensure the scheduled payment instructions (if any) for the above UOB Commercial Card is updated as soon as possible. Please note that this adjustment is only applicable for Commercial Cards under personal liability and there are no changes to cards under corporate liability.
Financial scams are continuously evolving and becoming more sophisticated. We have implemented below measures in line with industry’s effort to combat online scams.
UOB Access
UOB Access, previously known as Mighty Secure, is a digital security token used to keep your online banking activity more secure. Effective 26 June 2023, you are required to authenticate your online banking transactions with UOB Access as you will no longer receive SMS One-Time-PIN.
To avoid disruption to your online banking transactions, download the UOB TMRW app today to register and activate UOB Access.
Cooling Off Period
In a bid to tighten security, the duration of Secure Pin Activation is extended to 12 hours.
Kill Switch
This is a self-service security feature that allows you to disable your digital access on the Personal Internet Banking and UOB TMRW app instantly. If you suspect that you have been scammed, call UOB Malaysia’s 24/7 Fraud Reporting Hotline +60326128100 and follow the instructions provided to use the Kill Switch.
Compatibility with Secure Operating System
UOB TMRW app requires iOS 13.0 and Android OS 10.0 and above to ensure that you get the latest reinforcements and security updates to protect you against frauds.
Detecting Apps from Untrusted Sources
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.
For the updated terms and conditions, please click the following links:
When you continue to use, operate or pay to an existing Citi branded account(s), facility(ies) and/or service(s), you are agreeing to the prevailing terms and conditions governing your relationship with United Overseas Bank (Malaysia) Bhd (“UOB Terms”) which from migration date, would be binding on you and your authorised person(s) (such as authorised signatory(ies), joint or secondary account holder(s) and guarantor(s)*.
With effect from migration date, the applicable UOB Terms will amend and modify the existing terms and conditions and constitutes the entire agreement between us and you, superseding prior or concurrent agreements, products or services.
Please access applicable UOB Terms in this website.
* For Islamic checking and deposit accounts (Qard) and financing accounts (Bai Bithaman Ajil (BBA) or Musyarakah Mutanaqisah, as applicable), notice of variation of the existing underlying arrangement to Tawarruq have been sent earlier.
United Overseas Bank Limited (UOB), its branches in and outside Singapore and subsidiaries (UOB Group entities) are committed to complying with the sanctions laws and regulations (sanctions laws) passed by Singapore, the United Nations Security Council, the European Union, the Office of Financial Sanctions Implementation of His Majesty's Treasury and the U.S. Department of the Treasury's Office of Foreign Assets Control as well as applicable sanctions laws in the jurisdictions in which UOB Group entities operate. Under the sanctions laws, individuals and entities are prohibited from entering into financial transactions or provide financial assistance or services in relation to sanctioned individuals, entities or activities, as non-compliance with relevant sanctions laws may result in civil or criminal liability leading to fines, imprisonment or both.
As such, UOB Group entities do not open accounts, continue customer relationships, provide products or services, execute or facilitate transactions (directly or indirectly) or engage in any activity involving sanctioned individuals, entities, countries or territories, subject to the extent permissible by sanctions laws. UOB Group entities may also, at its sole discretion, decide not to process or to facilitate transactions or to provide products and services even where permissible by sanctions laws, if these activities fall outside UOB's risk appetite. Currently, the sanctioned countries and regions are the Crimea region in Ukraine, Donetsk People’s Republic in Ukraine, Kherson People’s Republic in Ukraine, Zaporizhzhia People’s Republic in Ukraine, Luhansk People’s Republic in Ukraine, Cuba, Iran, North Korea, and Syria.
In addition, UOB Group entities will restrict certain products or services or business activities involving (directly or indirectly) countries, individuals or target industry sectors subject to selective or targeted sanctions laws. Currently, the countries where selective sanctions laws may apply are Belarus, Myanmar, Russia, Venezuela and Zimbabwe.
By applying for products and services and by continuing a banking relationship with us, you represent and warrant that at all times, you are not subject to any sanctions laws and shall not use UOB Group entities, its products or services (regardless of currency) for the benefit of sanctioned individuals, entities, countries or territories. UOB Group entities will not hesitate to take necessary action, including reporting, rejecting and/or blocking transactions, rejecting funds, closing accounts, terminating relationships that appear to violate sanctions laws. By upholding a strict stance on sanctions, UOB is protecting the interests of our customers and helping them to abide by sanctions laws.
Frequently Asked Questions
What are Sanctions?
Sanctions are official policies used by governments and organisations such as the United Nations and European Union to prevent or to respond to security threats or to induce changes to conduct to acceptable standards. These official policies help to achieve the desired objectives as banks are restricted from having relationships or supporting activities with listed names and industries subject to prohibitions.
What does Sanctions have to do with you or your business?
Globalisation has increased the interconnectivity between countries and businesses. With this increased connection, the opportunities and likelihood for the exploitation of financial systems have increased as well.
To ensure that our customers can bank with us safely and securely, we will need to verify and obtain further understanding of your business nature and activities with us. Where required, we will also request for documentary evidence from our customers in order to protect you and your accounts with us.
What is UOB doing with your information?
Banks have a legal obligation to know their customers. Our systems and processes rely heavily on having up-to-date information. The information provided will be used to support our work in protecting our customers and ourselves against potential sanctions breaches, illegal activities and financial crime. The information or documents pertaining to the nature and purpose of an activity or relationship that you provided during our requests will aid us in the further understanding of your risk profile, nature of business and to facilitate the provision of our products and services.
The data that is provided at our request is treated very seriously and will be subject to UOB’s highest security and privacy standards.
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