UOB TMRW

Name: UOB TMRW
Rating: 4.8 (145338 reviews)
Author: United Overseas Bank Limited Co.

Finance

Only for iPhone

Free

145K Ratings
Ages

4+
Years
Category

Finance
Developer

United Overseas Bank Limited Co.
Language

EN
English
Size

483
MB

iPhone

Meet UOB TMRW, the all-in-one app for all your financial needs. It’s banking made simple, easy and personal for you: Personalised money insights – Bank smarter with personalised alerts, reminders, and spending and saving recommendations. Grow and manage your money – You’ll find everything you need to grow your finances in the Wealth section. You can also convert foreign currencies and get competitive rates for all of your investing, online shopping and travel needs. Rewards+ – Enjoy Singapore's newest and biggest rewards programme on the UOB TMRW app. Get personalised, exclusive deals on dining, shopping, travel and more, and track and use your cashback and rewards points. Easy daily payments – Pay using PayNow and Scan to pay directly from the login screen. Withdraw cash using your phone – Select your withdrawal amount on the app, and tap your phone to enjoy cardless withdrawals at selected UOB ATMs. Competitive foreign exchange rates – 11 currencies for your trading, online shopping and travel needs with Mighty FX.

Ratings & Reviews

4.8

out of 5

145K Ratings

Broken update billing address user journey
24/04/2021

user from oversea
It is so hard and not user friendly while we are trying to do everything within mobile device. 1. False information on the prompt on invalid otp showing physical token while in real is user has no idea that token already digitalised. Wasting time on trying and only got to know the reason by calling hotline. Second, customer service is not helpful and force the user to do it digitally while the experience isn’t seamless. No other option given such as sent the address form via inbox and user can reply and send back. Sadly, only can do like era 80, physical copy by mailing or drop at bank 🙄2. Entry point of mighty secure. In what scenario does the bank will think a customer will tap tat token yet they need to rmmb another password while their normal login is already can be use biometric login. I don’t find it is even helpful putting at the login page while still asking user rmmb password unless this apps is target to hr or admin while they dun need a login. Bt as a normal consumer, it is quite hidden to find the mighty secure. If without hotline help, i can’t even find it as it is more common behavior that customer will look in the apps after login

Developer Response
Dear user from oversea, Thanks for taking the time to share your views and suggestions with us. Your feedback helps us understand how to better improve and we will continue working to improve your experience!We would like to address your 2 points separately. For the first point, we would like to investigate the soft token issue and provide a solution for you. Please contact us at helpme@uobgroup.com with the following details: Device Model: OS Version: Mighty App Version: Brief description of the issue: Steps performed until you encountered the issue: Date and Time issue happened: For the second point, we would like to share the background of having Mighty Secure in our app. Mighty Secure is a digital security token embedded in your mobile device replacing SMS or SecurePlus Token One-Time Passwords (OTPs). As an additional precaution for your security, you will need to enter the Mighty Secure PIN when you are performing the following transactions:- High risk transactions such as adding of payee or updating your mobile number- High value transactions above your pre-defined limitWe value your feedback on the placement of the entry point to set-up Mighty Secure. We have brought this point up with our team and will continue working hard to improve your online banking experience!UOB Mobile and Digital Team
Broken update billing address user journey
24/04/2021

user from oversea

It is so hard and not user friendly while we are trying to do everything within mobile device. 1. False information on the prompt on invalid otp showing physical token while in real is user has no idea that token already digitalised. Wasting time on trying and only got to know the reason by calling hotline. Second, customer service is not helpful and force the user to do it digitally while the experience isn’t seamless. No other option given such as sent the address form via inbox and user can reply and send back. Sadly, only can do like era 80, physical copy by mailing or drop at bank 🙄2. Entry point of mighty secure. In what scenario does the bank will think a customer will tap tat token yet they need to rmmb another password while their normal login is already can be use biometric login. I don’t find it is even helpful putting at the login page while still asking user rmmb password unless this apps is target to hr or admin while they dun need a login. Bt as a normal consumer, it is quite hidden to find the mighty secure. If without hotline help, i can’t even find it as it is more common behavior that customer will look in the apps after login
Developer Response 27/04/2021
Dear user from oversea, Thanks for taking the time to share your views and suggestions with us. Your feedback helps us understand how to better improve and we will continue working to improve your experience!We would like to address your 2 points separately. For the first point, we would like to investigate the soft token issue and provide a solution for you. Please contact us at helpme@uobgroup.com with the following details: Device Model: OS Version: Mighty App Version: Brief description of the issue: Steps performed until you encountered the issue: Date and Time issue happened: For the second point, we would like to share the background of having Mighty Secure in our app. Mighty Secure is a digital security token embedded in your mobile device replacing SMS or SecurePlus Token One-Time Passwords (OTPs). As an additional precaution for your security, you will need to enter the Mighty Secure PIN when you are performing the following transactions:- High risk transactions such as adding of payee or updating your mobile number- High value transactions above your pre-defined limitWe value your feedback on the placement of the entry point to set-up Mighty Secure. We have brought this point up with our team and will continue working hard to improve your online banking experience!UOB Mobile and Digital Team
Customizable alerts on banking transactions would be more useful than “lifestyle” recommendations
03/02/2023

the_original_p2s
As far as usability and stability goes, this app is much better than that of some other major banks in Singapore; no critical flaws to report. However it would be much more useful for a banking app to have features that help the user track the money going in and out of their accounts than other frankly superfluous frills like dining recommendations. For example the type of notifications given by the app are not user-customizable. The user is frequently spammed by repetitive and unnecessary warnings about scams, phishing, SMS notifications etc - i.e. messaging that the bank deems necessary even though the user may disagree; but the user is unable to even set simple but useful notifications triggered by certain types of debits or credits to the account. For example, it should be possible for the user to request a notification every time there is an inbound transfer to the account—of any type, not just via PayNow; or e.g. for a notification to be triggered every time there is a deduction above a user-specified threshold. This allows the user to receive push notifications for important changes to the money in the bank account, which after all is the CORE function of a bank account and any tool or app for managing said bank account.

Developer Response
Dear UserYour feedback is important to us. Thanks for taking the time to leave us with your kind words. We've brought your feedback up to our Product team. We will continue to work hard to bring you a simple, easy and personal banking experience.If you require further assistance or would like to provide more feedback, please contact us at helpme@uobgroup.com and include 'App Store Review: the_original_p2s' within the email title for our team to easily identify your email to this review.UOB TMRW Team
Customizable alerts on banking transactions would be more useful than “lifestyle” recommendations
03/02/2023

the_original_p2s

As far as usability and stability goes, this app is much better than that of some other major banks in Singapore; no critical flaws to report. However it would be much more useful for a banking app to have features that help the user track the money going in and out of their accounts than other frankly superfluous frills like dining recommendations. For example the type of notifications given by the app are not user-customizable. The user is frequently spammed by repetitive and unnecessary warnings about scams, phishing, SMS notifications etc - i.e. messaging that the bank deems necessary even though the user may disagree; but the user is unable to even set simple but useful notifications triggered by certain types of debits or credits to the account. For example, it should be possible for the user to request a notification every time there is an inbound transfer to the account—of any type, not just via PayNow; or e.g. for a notification to be triggered every time there is a deduction above a user-specified threshold. This allows the user to receive push notifications for important changes to the money in the bank account, which after all is the CORE function of a bank account and any tool or app for managing said bank account.
Developer Response 05/02/2023
Dear UserYour feedback is important to us. Thanks for taking the time to leave us with your kind words. We've brought your feedback up to our Product team. We will continue to work hard to bring you a simple, easy and personal banking experience.If you require further assistance or would like to provide more feedback, please contact us at helpme@uobgroup.com and include 'App Store Review: the_original_p2s' within the email title for our team to easily identify your email to this review.UOB TMRW Team
Good Financial App with Great UIUX
28/05/2023

jameshoty
It’s so simple to navigate. The product team has put in effort to understand the user journey. Very focus and targeted for nearly all the functions. Remove all the unnecessary buttons, links etc. Especially when it comes to making payment, this app has made it so simple for someone to move money from source to destination. It’s so brilliant. The “red” bank should learn and evolve. Their customer service is awesome. The staff and the back counter, over the phone is so helpful and patience. But most importantly their banking knowledge knowing what exactly the customers need. Is this app the best? No. There are many improvements that still can be improved. But for now they have surpass my expectation! Well done!

Developer Response
Dear JamesThanks for taking the time to leave us with your kind words. We will continue to work hard to bring you a simple, easy and personal banking experience.If you require further assistance or would like to provide feedback, please contact us at helpme@uobgroup.com and include 'App Store Review: jameshoty' within the email title for our team to easily identify your email to this review.UOB TMRW Team
Good Financial App with Great UIUX
28/05/2023

jameshoty

It’s so simple to navigate. The product team has put in effort to understand the user journey. Very focus and targeted for nearly all the functions. Remove all the unnecessary buttons, links etc. Especially when it comes to making payment, this app has made it so simple for someone to move money from source to destination. It’s so brilliant. The “red” bank should learn and evolve. Their customer service is awesome. The staff and the back counter, over the phone is so helpful and patience. But most importantly their banking knowledge knowing what exactly the customers need. Is this app the best? No. There are many improvements that still can be improved. But for now they have surpass my expectation! Well done!
Developer Response 03/07/2023
Dear JamesThanks for taking the time to leave us with your kind words. We will continue to work hard to bring you a simple, easy and personal banking experience.If you require further assistance or would like to provide feedback, please contact us at helpme@uobgroup.com and include 'App Store Review: jameshoty' within the email title for our team to easily identify your email to this review.UOB TMRW Team
Worsening performance
17/05/2024

Alexia. Yujin
I’ve been using UOB for 7 years and used UOB tmrw app for at least 2 years. Regret to comment, but it’s worsening in safety and performance. Last year, scammer managed to transfer money out from my account without incurring any OTP or digital token from UOB tmrw. The money was just gone without any verification step. Now, my UOB tmrw app frequently encounters bugs here. It has asked me to reinstall the apps for three times. During which, I even reset my iPhone back to its factory mode and reset everything afresh. Still, it doesn’t work… The moment I set digital token, it crashes and asks me to reinstall the app. I cannot access my account at all, as digital token via UOB tmrw app is the only way you can access your account. My husband has terminated his UOB account and transferred everything to another bank. I will probably have to do the same, although it used to be my trusted primary account for so many years. Look at the negative comments you received recently. I wonder whether you guys are even trying to address customers’ concerns at all. Your IT team is not supposed to put focus on advocating new function that is not relevant, but to secure the basic functions to improve user experience. Disappointed +++

Developer Response
Dear YujinWe're sorry that you've had trouble with our app! UOB has implemented additional security measures to safeguard your online banking experience. This includes transaction signing with your personalised 6-digit Digital token code on our app is needed for adhoc transfers above $1K (cumulative per day).There's an ongoing app issue impacting selected iPhone models which will be resolved with the new app update that will be made available after this weekend. Please update your app to the latest version after this weekend and the digital token issue should be resolved.If it doesn't work, please access Pre-login screen> tap 'FAQ'> 'Contact Us'> 'Send trouble logs' and contact us at PFS.mobile@uobgroup.com with these details:Your Mobile#:Device:OS & App Version:Description & screenshot:Date & Time occurred:Do include 'App store Review: Alexia Yujin'UOB TMRW Team
Worsening performance
17/05/2024

Alexia. Yujin

I’ve been using UOB for 7 years and used UOB tmrw app for at least 2 years. Regret to comment, but it’s worsening in safety and performance. Last year, scammer managed to transfer money out from my account without incurring any OTP or digital token from UOB tmrw. The money was just gone without any verification step. Now, my UOB tmrw app frequently encounters bugs here. It has asked me to reinstall the apps for three times. During which, I even reset my iPhone back to its factory mode and reset everything afresh. Still, it doesn’t work… The moment I set digital token, it crashes and asks me to reinstall the app. I cannot access my account at all, as digital token via UOB tmrw app is the only way you can access your account. My husband has terminated his UOB account and transferred everything to another bank. I will probably have to do the same, although it used to be my trusted primary account for so many years. Look at the negative comments you received recently. I wonder whether you guys are even trying to address customers’ concerns at all. Your IT team is not supposed to put focus on advocating new function that is not relevant, but to secure the basic functions to improve user experience. Disappointed +++
Developer Response 21/05/2024
Dear YujinWe're sorry that you've had trouble with our app! UOB has implemented additional security measures to safeguard your online banking experience. This includes transaction signing with your personalised 6-digit Digital token code on our app is needed for adhoc transfers above $1K (cumulative per day).There's an ongoing app issue impacting selected iPhone models which will be resolved with the new app update that will be made available after this weekend. Please update your app to the latest version after this weekend and the digital token issue should be resolved.If it doesn't work, please access Pre-login screen> tap 'FAQ'> 'Contact Us'> 'Send trouble logs' and contact us at PFS.mobile@uobgroup.com with these details:Your Mobile#:Device:OS & App Version:Description & screenshot:Date & Time occurred:Do include 'App store Review: Alexia Yujin'UOB TMRW Team

You can now make a placement in your UOB fixed deposit account at any time of the day. Simply go to Services > Fixed deposit placements and follow the on-screen instructions.

Version 18.16.4

27 Oct

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Identifiers
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Contacts
- User Content
- Search History
- Usage Data
- Diagnostics