•   UOB Internet Banking Security Technology
•   Your Role In Safeguarding Your Personal Data & Account Information
•   Customer Service

Your Role In Safeguarding Your Personal Data And Account Information

You are responsible for keeping your Password confidential. Failure to do so exposes you to the risks of fraud and loss. UOB will not be responsible for losses suffered by customers as a result of:

•   Input errors or misuse of its Internet services;
•   Negligent handling or sharing of banking Password;
•   Leaving a computer unattended during an online session;
•   Failure to immediately report known incidents of unauthorised account access.

We strongly recommend that you observe the following best privacy and security practices at all times:

1. Managing Your Access ID/PIN/User ID and Password

Your Access ID/PIN/User ID and Password identify you when you use our Internet banking services. If any of these becomes invalid or ceases to have effect, it is imperative that you inform us by calling UOB 121 for the respective services.
Ensure that no one can see your Password when you login to our system.
Ensure that you keep your Password confidential at all times and do not divulge it to anyone.
Do not allow anyone (without exception) to use your Access ID/PIN/User ID and Password, as you are responsible for all transactions undertaken with your Access ID/PIN/User ID and Password.
Do not create your Password similar to your User ID, personal telephone number, birth date or other personal information.
Memorise your User ID and Password and do not record it anywhere.
Change your Password regularly.
Do not use the same character more than once for your Password.
Do not recycle your recently used Password.
Change your Password IMMEDIATELY if you suspect that someone knows it.
The same Password should not be used for different websites, application or services particularly when they relate to different entities.
Do not select the option on your browser for storing or retaining User ID and password.

Note: No staff members of UOB should ever ask you for your Password for whatsoever reasons.

2. Take Precautions Against Your Password Keystrokes Being Captured

Exercise the necessary precautions to protect your personal computer against viruses and other malicious programmes. Aside from damaging and/or destroying data, viruses and malicious programmes can capture your password keystrokes and other personal information and send them to another person without your consent.

Precautions that you can take include the following:

Ensure that you install an effective personal firewall1 as well as anti-virus2 and anti-Trojan horse3 softwares. These should be updated regularly.

1Personal Firewall

Personal firewalls serve two basic functions. They protect your system from unsolicited scans coming from the Internet and usually offer outbound controls as well. An inbound scan will look for and block any uninvited commands, instructions, programmes or messages from entering your system, while outbound controls will look for and block unfamiliar programmes (like viruses and Trojan horses) from trying to send out messages from your computer.

2Anti-Virus Software

Anti-virus softwares scan your hard disk to find and remove viruses. To some extent, these products can also scan and may be able to remove worms and Trojan horses.

3Anti-Trojan Horse Software

Anti-Trojan horse softwares can identify and remove more programmes that act like Trojan horses than anti-virus softwares can. A Trojan horse programme is usually an innocent programme or utility that you might download on your PC. However, behind the programme's perceived functions lurks a function that allows it to damage your computer or steal your personal information.

Do not download any software from a web site that is of doubtful origin.
Ensure that you install an effective anti-virus software and update it regularly.
Do not open any e-mail or attachment that is from a source unknown to you. When in doubt, please delete such e-mail without opening it.

3. Log In Directly

If you wish to access a website belonging to UOB or its subsidiaries or associates, always personally and directly enter the relevant website address in the browser address bar. A list of the relevant website addresses is set out below for your reference. If you encounter suspicious or fraudulent websites passing off as websites of UOB or its subsidiaries or associates, please notify us immediately at UOB 121.

List of UOB Group Websites

UOB Group Site URL
United Overseas Bank (Malaysia)
UOB Singapore
UOB Hong Kong
UOB Taipei
UOB Radanasin Bank, Thailand
UOB Asset Management
UOB Asset Management -
UOB Investment Advisor (Taiwan)
UOB e-Treasury
UOB Life Assurance
United Overseas Insurance
UOB Travel Planners
UOB-Kay Hian

4. Remember To Log Out

Always remember to log out of your Internet banking session when you have completed your Internet banking transactions or even when you need to walk away from your computer for just a minute. Do not leave your computer unattended while Internet banking transactions are being processed.

5. Clear Your Browser's Cache

Default files on a computer, sometimes called 'cache' files, can retain images of data sent or received over the Internet, making them a potential target for a system intruder. Therefore, we strongly advise that you clear your browser's disk cache after each Internet banking session.

How To Clear Your Cache (Navigator 6.X)

Select 'Edit' from the Menu bar
Select 'Preferences'
Expand 'Advanced' to show 'Cache'
Select 'Cache'
Click the 'Clear Disk Cache' button and answer 'OK'
Click the 'Clear Memory Cache' button and answer 'OK'
Click 'OK' to exit the dialog box

How To Clear Your Cache (Internet Explorer 4.X/5)

Select 'View" from the Menu bar (if you are using IE 4.X)
Select 'Tools' from the Menu bar (if you are using IE 5)
Select Internet Options'
Select 'General' tab
Click the 'Delete Files' button under Temporary Internet Files and answer "OK'
Click 'OK' to exit the dialog box

6. Avoid Sharing Personal Computers (PCs)

Avoid using shared PCs or public PCs such as those found in cyber cafes to perform Internet banking transactions. If there is a need to do so, always satisfy yourself thoroughly that the PCs are free from viruses and be sure to clear the browser's cache when you have completed your transactions.

7. Verify The Authenticity Of The UOB Internet Banking Web Site

We provide a Secure Zone icon (as symbolised by a 'padlock' icon) within our Internet banking/transaction web pages for your verification of its authenticity.

To verify the authenticity of the UOB Internet Banking web site, look for the Secure Zone icon on the web page, click it, and ensure that 'United Overseas Bank (Malaysia) Bhd' is displayed as a part of UOB's VeriSign Secure Server ID from .

There are two ways by which you can verify that you are logging in to a secure web page:

i Check that the UOB Internet Banking web site address changes from http:// to
https:// and that a security icon (as symbolised by a lock or key) appears at the
bottom status bar of the browser. This indicates that the web page that you are
online with uses encryption technology. You can double click the security icon to
view information pertaining to the security certificate for the web page.
ii Depending on the browser that you are using, you can also verify that you are in a
secure web page by doing the following:

On Internet Explorer
Point the mouse on the web page and right click the mouse. Scroll to 'Properties' and click the mouse. Ensure that the following information appears in the 'Properties' dialog box shown on the screen:

Protocol : Hyper Text Transfer Protocol with Privacy
Connection : SSL 3.0, RC4 with 128 bit encryption (High); RSA with 1024 Bit Exchange
Address (URL) : The url should start with '<https://>'

You can click the 'Certificates' button in the dialogue box to view information pertaining to the security certificate for the web page.

On Netscape
Point the mouse on the web page and right click the mouse. Scroll to 'View Page Info' and click the mouse. Ensure that the following information appears on the display screen:

Location : The location should start with '<https://>'
Security : Connection Encrypted : High-grade Encryption (RC4 128bit)
Certificate : This Certificate belongs to … United Overseas Bank (Malaysia) Bhd.

8. Inform Us Immediately Of Suspected Invasion Of Your Privacy Or Of Unauthorised Transaction

If you suspect that your privacy has been invaded or that your account(s) has/have been accessed by unauthorised persons, please change your Password immediately and contact us by calling the UOB 121 for the respective services. Check your account statements to see if any transaction has been performed without your authorisation. Should there be any unauthorised or unusual transactions, please notify us immediately.

You should check your account statements regularly and notify us promptly of any errors. At the minimum, you should check your account statements at least once a month.

Bank accounts
If you object to any entry or omission in your bank account statement in respect of any calendar month, you must inform the Bank in writing within 14 days of the end of that calendar month as failure to do so shall imply your acceptance of the account statement and its correctness.

To contact us, please refer to the following:

UOB 121 Tel no. (6) 03-26128 121 (Kuala Lumpur)
  (6) 07-2881 121 (Johor Bahru)
  (6) 04-2401 121 (Penang)
  (6) 082-287 121 (Kuching)
  (6) 088-477 121 (Kota Kinabalu)

9. E-mail Security

As information submitted via e-mail is not encrypted during transmission, it is important that you do not indicate your account or credit card number nor convey any confidential information or banking or other instructions in your enquiries and/or comments.

If you encounter any suspicious email, passing off as an email from UOB Malaysia, please notify us immediately.

10. Additional Recommended Good Practices To Safeguard Your Online Security

Remove file and printer sharing in your computer, especially when you have Internet access via cable modem, broadband connection or a similar set-up.
Make regular backup of critical data.
Consider the use of encryption technology to protect highly sensitive data.
Do not install junk software or run programmes of unknown origin.
Delete junk or chain emails.
Do not open email attachments from strangers.
Do not disclose personal, financial or credit card information to little-known or suspect websites.
Do not use a computer or device which cannot be trusted
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