How do I access this function on UOB ATMs?

1.	Under the “Select Transaction” screen, select “UOB Credit Card Payment”.
2.	Under “Make Payment” screen, select “DBS/POSB/OCBC Account”.
3.	Under “Language selection” screen, select preferred language.
4.	To press “ENTER” to agree with the Terms and Conditions and proceed.
5.	To select option to “Insert UOB Credit Card” or “Enter UOB Credit Card Number”.
6.	To enter payment amount.
7.	To insert DBS/POSB/OCBC Card.
8.	To select “Current or Savings” account.
9.	To enter PIN code for the DBS/POSB/OCBC Card.
10.	Upon successful confirmation and transaction, payment is completed and receipt is issued.

Can I use a non-POSB/DBS/OCBC card to make payment?

Unfortunately, only POSB/DBS/OCBC cards linked to the corresponding banks’ savings/current account are acceptable.

Can I use my POSB/DBS/OCBC ATM/debit/credit card if it is linked to my savings/current account at POSB/DBS/OCBC?

Yes, customers to key in the relevant PIN code of the POSB/DBS/OCBC card to make payment from their POSB/DBS/OCBC savings/current account.

Is payment immediate?

Yes, payment is immediate when the transaction is successful and your credit limit will be reinstated immediately with the payment amount made.

Is there a fee charged for using this service?

No, there are no charges for this new service.

I’m an existing UOB CASA customer as well, can I still make payment from my UOB CASA to my UOB Credit Card via the UOB ATM?

Yes, UOB Credit Cardmembers who have an existing UOB CASA account can still continue to make payment to their UOB Credit Card.

Are POSB/DBS/OCBC AMEX Cards accepted as a mode of payment?

AMEX Cards are not accepted as a mode of payment (even though the card is NETS enabled). This applies to all banks.

I heard that UOB cardholders can access their accounts via UOB ATMs when they are overseas? When did you launch this new service?

We have implemented a service that enables UOB ATM cardholders to perform overseas cash withdrawals and balance enquiries at any UOB ATM in Malaysia, Indonesia and Thailand. This service was launched on 1 Oct 2008.

In which countries can I use my card?

Overseas cash withdrawals and balance enquiries can be performed at all UOB ATMs in Malaysia, Indonesia and Thailand.

What type of cards can I use in these participating countries?

You can use your UOB ATM Card, UOB Debit Card or UOB Credit Card at any UOB ATM in these participating countries. In order for you to use them, your UOB Debit / UOB Credit Card first has to be linked to either your Savings or Current Account.

What are the services available to me?

You can make cash withdrawals and perform balance enquiries on UOB ATMs in Malaysia, Indonesia or Thailand.

Can I perform funds transfers between the accounts I have from either UOB Singapore to UOB Indonesia / UOB Malaysia or UOB Thailand?

For the time being, Funds Transfers between countries are not available via UOB ATMs.

Can I use my ATM Card to perform any transactions over the teller counter?

This service allows you to perform selected transactions at UOB ATMs in Malaysia, Indonesia and Thailand. Overseas over-the-counter transactions are currently not supported via your ATM card.

Do I need to apply for this service?

This service will be automatically enabled for all UOB cardholders in the participating countries. There is no need for you to specifically apply for this service.

How much can I withdraw from my account when I’m overseas?

The same cash withdrawal limit applies when you are using your card overseas. For example: if your current cash withdrawal limit is S$3000 per day, then this limit will apply whenever you use your card in Malaysia, Indonesia and Thailand.

Can I request for a higher withdrawal limit since I’m traveling overseas?

The same withdrawal limit applies overseas as when you use your card in Singapore. This limit is designed to control your exposure in case of fraudulent transactions.

I’m a Privilege Banking Customer, how much can I withdraw when I’m overseas?

The same cash withdrawal limit applies when you are overseas i.e. you can still withdraw up to S$5,000 per account or up to S$10,000 per card. Note: Default limit is S$3,000. Privilege Banking customers can apply to increase this to S$5,000.

How do I know what is the exchange rate used for my cash withdrawal transaction?

You may view the foreign and home currency withdrawal details in your statement of accounts.

Do I know my available balance after performing the cash withdrawal transaction?

Your account available balance will be printed onto the ATM receipt issued when you perform a cash withdrawal.

Can I use my ATM Card to perform any transactions over the teller counter?

This service allows you to perform selected transactions at UOB ATMs in Malaysia, Indonesia and Thailand. Overseas over-the-counter transactions are currently not supported via your ATM card.

What is the fee charged to me for withdrawing cash on UOB ATMs overseas?

There is no transaction fee for using this service.

Are the any fees charged for performing balance inquiry on my account?

Balance enquiry transactions at overseas UOB ATMs are provided free of charge.

Can I choose the language option when using the overseas UOB ATMs?

All transactions will be displayed in English regardless of whether they are performed at UOB ATMs in Malaysia, Indonesia or Thailand.

Since I’m a frequent traveler to these countries, can I set my favourite transactions on the overseas UOB ATMs?

The favourite transaction set-up function is currently applicable only to UOB ATMs in Singapore.

Can I do a PIN Change on the overseas ATMs?

The PIN Change function can only be used at UOB ATMs in Singapore.

How safe is it for me to use overseas UOB ATMs?

UOB is committed to providing a secure ATM network. We have implemented various safeguards to ensure that your ATM transactions are secure.

What are some of the precautionary measures that I must take when I use my card in these countries?

These are some examples of precautionary measures which you should observe:

a.	Always shield the PIN pad when you are entering your PIN
b.	Ensure that there are no suspicious articles affixed to the ATM card insertion slot
c.	Never write your PIN on your ATM card
d.	Do not disclose your PIN to anyone

What if my ATM Card is lost while I am overseas?

If you lose your card while traveling, kindly contact UOB Singapore Call Centre at 1800 222 2121 immediately to report your lost card.

Can I get a replacement card when I am overseas?

Replacement ATM cards can only be issued in Singapore. You can visit any UOB Group branch in Singapore to request for a replacement card.

What if my card is retained by any of UOB ATMs in Indonesia / Malaysia or Thailand?

You will need to request for a replacement card from UOB Singapore.

What if my account is debited and cash is not dispensed?

If you encounter any problems when using your card while overseas, please contact UOB Singapore Call Centre at 1800 222 2121 to report your case. Alternatively, you may also contact the Bank when you return to Singapore.

When can I expect my account to be credited for the failed transaction?

The turnaround time for settling inter-country cash discrepancies is about 2 weeks.

I performed a cash withdrawal in Thailand recently and noticed that the description of the transaction in my statement has changed from “IATM” to “RATM”. Can you please explain the difference?

“RATM” and “IATM” are codes that we use to indicate transaction types. Transactions made at UOB ATMs in these participating countries are indicated as “RATM”. Transactions made at other overseas ATMs are marked as “IATM”.

I recently performed a balance enquiry on my account at the UOB ATM in Thailand and noticed that the balance displayed appears incorrect. Can you let me know why?

The balance printed on the ATM receipt is the Available Balance in your account.

Can I make a cash advance using my UOB Credit Card at overseas UOB ATMs?

Yes, you can make cash advances at overseas UOB ATMs subject to the available balance for your credit card account.

Why is UOB disabling all overseas ATM cash withdrawals?

As part of industry-wide measures introduced by the Association of Banks in Singapore, overseas ATM cash withdrawal for all UOB ATM Cards, UOB Debit Cards and UOB Credit Cards linked to your Current / Savings Accounts will be disabled unless:

• Instructions to enable overseas ATM cash withdrawal is received from the cardholder; and/or
• Where the Bank has records that you used your ATM/Debit/Credit cards overseas recently, this function will still be available to you for your convenience.

Does this apply to all of my cards with UOB?

Yes, please refer to Question 1.

Can I enable overseas ATM cash withdrawals?

Yes, you can enable overseas ATM cash withdrawal:

• by calling our 24-hour Customer Service Hotline at 1800 222 2121 (or +65 6222 2121 when calling from overseas);
• by visiting the nearest UOB ATM; or
• if you have a UOB Personal Internet Banking (“PIB”) account, you can submit your request via PIB.

Will the Bank enable overseas ATM cash withdrawal immediately upon my request?

Yes, this will be carried out immediately if you contact our 24-hour Customer Service Hotline at 1800 222 2121 (or +65 6222 2121 when calling from overseas).

Can I request to disable the overseas ATM cash withdrawal function?

Yes, you can disable the overseas ATM cash withdrawal function as follows:

• by calling our 24-hour Customer Service Hotline at 1800 222 2121 (or +65 6222 2121 when calling from overseas);
• by visiting the nearest UOB ATM; or
• if you have a UOB Personal Internet Banking (“PIB”) account, you can submit your request via PIB.

I am a joint account holder and the mandate on the account is AND/OR. Both myself and the other joint account holder each have a card linked to the account. I want to enable / disable overseas ATM cash withdrawal for my card. Can I also enable / disable overseas ATM cash withdrawal for the card belonging to the other joint account holder?

No. We will only be able to act on the instruction of the cardholder. In this case, please ask the other joint account holder to contact our Call Centre so that we can enable / disable the overseas ATM cash withdrawals immediately.

Can I deactivate my credit card from overseas ATM cash withdrawal?

Yes, you can. This is provided that your credit card is linked to a Current / Savings Account. However, Credit Card Cash Advance will still be available for your usage.

Can I deactivate my Debit Card from overseas ATM cash withdrawal?

Yes, you can, by calling our 24-hour Customer Service Hotline at 1800 222 2121 (or +65 6222 2121 when calling from overseas).

How safe is it for me to use UOB ATMs overseas?

UOB is committed to providing a secure ATM network. We have implemented various safeguards to ensure that your ATM transactions are secure. For your added protection, please change the PIN number of your cards regularly.

What are some of the precautionary measures that I must take when I use my card at the ATM?

We wish to share with you the following tips when using an ATM:

• Be observant - If something about the ATM does not appear normal, cancel your transaction immediately. Confirm, as soon as possible, with the Bank that the transaction has been cancelled. For your reference, a picture of the ATM card insertion slot is displayed prior to PIN entry at all UOB ATMs.
• Safety first - Use ATMs in well-lit and safe locations. If you notice anyone suspicious around you, use an ATM in a different location.
• Keep your PIN confidential - Never share your PIN number with anyone. Cover the hand used to key in your PIN with your other hand. This will reduce the chance of scammers recording your PIN via a hidden camera. Make sure that no one can see you entering your PIN or transaction amount. For added protection, we also encourage you to change the PIN for all your cards regularly.
• Keep tabs - Keep close tabs on your account activities and report any fraudulent or suspicious withdrawals immediately.

Please also make sure that you inform the Bank immediately if there is any change in your particulars.

Who can perform a change in cash withdrawal limit at UOB ATMs?

Customers with any personal UOB ATM cards (with the exception of CDA ATM cardholders) will be able to perform a change in cash withdrawal limit at the ATMs. However, corporate cardholders will not be allowed to perform this transaction at the ATMs.

How do I change my ATM cash withdrawal limit?

You may change your ATM cash withdrawal limit via UOB ATMs or by filling up a form which is available at any UOB branch. Step-by-step instructions will be provided to guide you along when you perform this change at the ATM.
Please note that your request via form submission will not take effect immediately as it requires processing time.

Will changing my ATM cash withdrawal limit at UOB ATMs take effect immediately?

Yes, the change in ATM cash withdrawal limit performed on any UOB ATM will take effect immediately.

Can I reverse the change in withdrawal limit if I change my mind?

Yes. You may change it back to your original limit by repeating the same process at the ATMs or by filling up a form at any UOB branch.

Are there selected UOB ATMs where I can withdraw higher amounts of cash?

From 25 August 2018, you can withdraw up to S$20,000 at selected ATMs within our branches. Please call 1800 222 2121 or enquire in-branch for more information.

What are the cash withdrawal limits for these selected ATMs?

The daily cash withdrawal limit for these selected ATMs is S$20,000 by default, and will supersede any current ATM cash withdrawal limit instructions with the bank. Your existing ATM cash withdrawal limit setting stands and remains effective at all other ATMs.

How will the increase in cash deposit limit benefit me?

You will now be able to deposit up to $20,000 in a single cash deposit transaction, limited to the maximum pieces of notes the cash deposit machine can accept.

Why is there a limit of $20,000 per transaction?

This is the maximum amount that the machine can handle at one time.

Why are my notes not accepted by the machine?

It could be for the following reasons:-

• You have reached the limit of $20,000 per transaction;
• You have reached the limit of 100 notes or 200 notes depending on the machine type;
• Your notes could be soiled, crumpled, defaced or folded;
• Selected machines do not accept $2 and $5 bill.