Privacy & Security

The United Overseas Bank Group (UOB Group) is committed to maintaining best Privacy Practices to create, as far as possible, a secure Internet banking environment for our customers. We encourage our customers to similarly observe best practices that are within their control.

Security Technology

We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions.

We employ several different methods to protect customers' account and personal information:

  • Firewalls
    We have multiple levels of firewalls in place between our internal computer systems and the Internet.
  • Encryption
    Strong encryption protects customer information as it travels over the Internet. We use the 128-bit Secure Sockets Layer (SSL) encryption to protect the confidentiality of customers' account details and transaction data. This 128-bit SSL encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Singapore and financial institutions worldwide.
  • Username and Password
    Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorised users only are admitted into our secure site(s).
  • Technology Devices
    UOB may, from time to time, issue Devices and/or establish security procedures that you may need to execute in order to use certain UOB Internet Banking services related to the Devices.

    You may use the Devices (whether or not in conjunction with the Username and/or Password or otherwise):
    • To initiate, effect, perform and/or dispatch any instruction or any communication to UOB;
    • To obtain or utilise any service that may be offered or made available by UOB through the Website or UOB Internet Banking service;
    • To access and obtain information as may be permitted by UOB (whether relating to your Account(s), service or otherwise); and
    • To effect any transaction with UOB which may be made available by UOB, subject to the terms of this Agreement and to other restrictions, limitations, terms and conditions of UOB then applicable
  • Automatic Log Out
    As an additional security measure, our system may log you out of your Internet banking session after a period of inactivity
  • We are committed to monitoring our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to exploring new technology continually to enhance our Internet security system.

    • Security Guidelines

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

    1. Managing Your Username And Password
      • Your Username and Password identify you when you use our Internet banking services. If any of these become invalid or ceases to have effect, it is imperative that you inform us by calling the direct hotlines for the respective services.
      • Ensure that no one can see your Password when you log in 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 Username and Password, as you are responsible for all transactions undertaken with your Username and Password.
      • Do not base your Password on your Username or personal information such as your telephone number, birth date or the like.
      • Memorise your Password and do not record it anywhere.
      • Change your Password regularly.
      • Do not use the same character more than twice 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, applications or services particularly when they relate to different entities.
      • Do not select the option on your browser for storing or retaining user name and password.

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

    2. Use of Technology Devices
      • Do not allow anyone (without exception) to keep, use or tamper with your Technology Devices, as you are responsible for all transactions undertaken
      • Do not reveal the One-Time Password (OTP) generated by your Technology Devices to anyone
      • Do not divulge the serial number of your Token-OTP Device
      • Notify the Bank if your Technology Device is lost or fails to function as intended
      • Ensure that the Device is kept safely
    3. Take Precautions Against Your Password Keystrokes Being Captured

      Exercise the necessary precautions to protect your personal computer against viruses and other malicious programs. Aside from damaging and/or destroying data, viruses and malicious programs 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 firewall as well as anti-virus, anti-spyware and anti-Trojan horse software. These should be updated regularly.
      • Do not download any software from a website that is of doubtful origin.
      • Do not open any email or attachment that is from a source unknown to you. When in doubt, delete such email without opening it.
    4. 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. Do not login via any hyperlink within emails.

    5. Remember To Log Out

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

    6. 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 4.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 the 'General' tab
      • Click the 'Delete Files' button under Temporary Internet Files and answer 'OK'
      • Click 'OK' to exit the dialog box
    7. 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 upon completion of your transactions.

    8. Update Your Browsers

      You should update your browsers and application software to support 128-bit SSL encryption or a higher encryption standard.

    9. Inform Us Immediately Of Suspected Invasion Of Your Privacy Or Of Unauthorised Transactions

      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 direct hotlines 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 at the beginning of each 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 date from which the full statement for that calendar month is made available on UOB Personal Internet Banking. Failure to do so shall imply your acceptance of the account statement and the correctness of the account statement.

    10. Email Security

      As information submitted via email is not encrypted during transmission, it is important that you do not give 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 Group, please notify us immediately.

    11. 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 programs 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
    Customer Service

    At the UOB Group, we are committed to providing you with responsive customer service. When we receive any customer complaint, our priority is to attend to it as expeditiously as possible.

    Chinese Version To Prevail

    If there are differences in meaning between the English version and the Chinese version of any terms and conditions, the Chinese version shall prevail.