# UOB TMRW

> All-in-one banking app with personalized financial insights, wealth management, and rewards. (iPhone/iPad app by United Overseas Bank Limited Co..)

- Source: https://appshunter.io/ios/app/uob-tmrw/id1049286296 (this page in markdown: same URL + `.md`)
- Developer: [United Overseas Bank Limited Co.](https://appshunter.io/developer/435673767)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 2,676 App Store ratings · 360 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 460 MB
- Languages: American English
- Released: 2015-11-13
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/uob-tmrw/id1049286296/reviews.md

## What is UOB TMRW?

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.

## Key features

- Personalized money insights
- Wealth management and growth
- Rewards program with exclusive deals
- Easy daily payments (PayNow, Scan to pay)
- Cardless ATM withdrawals
- Competitive foreign exchange rates

## What do users think of UOB TMRW?

Overall sentiment: negative

**Pros**

- 🚀 Fast and easy to use
- 👍 Intuitive and user-friendly interface
- 💡 Convenient mobile banking experience

**Cons**

- 🐛 Frequent crashes and bugs
- 🔒 Security issues with digital token setup
- 📤 Unreliable push notifications and OTP delivery
- 🔄 Inconsistent app behavior after updates
- 🕰️ Slow performance and long loading times

**Commonly reported bugs**

- App crashing on launch or during use
- Login issues and inability to receive OTP
- Mighty Secure token not working as expected
- Contactless ATM function not functioning properly
- Inconsistent behavior across iOS versions

**Most requested features**

- Ability to disable unwanted product ads
- Option to turn off marketing push notifications
- Support for iPad and landscape mode
- Improved transaction history and account management
- Seamless integration with other banking features

## Recent user reviews (10 of 360)

All indexed reviews: https://appshunter.io/ios/app/uob-tmrw/id1049286296/reviews.md

### 5/5 — App mới UOB TMRW quá đỉnh

*2026-07-29, version 19.10.2*

App tiếng việt dễ xài dễ quản lí có nhiều ưu đãi dễ dàng sử dụng quét qr tiện lợi thật tuyệt vời

### 4/5 — Unwanted notification counter

*2026-07-29, version 19.10.2*

The app icon shows a number of notifications on the phone’s Home Screen. When I open the app, there seems to be no way to view the notifications. So the number shown on the app icon is unnecessary noise.

### 1/5 — แอพหวยไม่คิดจะปรับ

*2026-07-20, version 19.10.2*

อัพเดทแอพแล้วก็ใส่รหัสกับUser เดิมไม่ได้ ทั้งที่ใช้มาตลอดเป็นปีไม่ได้มีปัญญาอะไรกับรหัสเลย พอโทรไปหาคอลเซ็นเตอร์มาบอกว่านี่จำรหัสผิดรึเปล่า และต้องรีเซ็ตรหัสใหม่ ต้องมารอรหัสใหม่ทาง EMS  โคตรจะแก่ ต้องมานั่งรอรหัสเข้าแอพใหม่ 3 วัน แอพธนาคารอื่นไปถึงไหนต่อไหนละ นี่แอพหวยยังมาเป็นภาระผู้ใช้บริการอีก

### 1/5 — Complicated interface

*2026-07-18, version 19.10.2*

Unrealistically Limitations and controls over change of transfer limits and delay it takes to take changes into effect. Do two step, three step verification but make transfer limit changes immediately. We are not millionaires like bank owners who has millions lying around that they can use from other sources. Most of us got one salary account and if money is stuck there , need urgently , such limitations chance to take effect after 12 hours is a big problem, specially if you don’t want to borrow from others. Someone made assumptions that ppl got spare money and put such limitations in place which is a red tape.

### 2/5 — Intermittent money transfer share screen function

*2026-07-09, version 19.8.0*

Upon money transfer from one account to another, as well as Paynow function, there is a share screen function that allows user to forward the successful transaction screen via external app like WhatsApp. However, notice the at it is not always functioning. Sometimes even after “share”, there was no screenshot being sent out. This has been a long standing issue since months ago. And I am updating my review again now in Jul2026. Waiting for it to be fixed

### 1/5 — Cannot pay.

*2026-07-05, version 19.8.0*

I was going to pay for food using paynow. All of a sudden, the app is frozen, and it suggests redownloading or calling for support. Naturally, I redownloaded the app. Not only was it slow as a snail and buggy(I had to quit the app and redownload many times), it required me to set up a digital token again. Which is a 12 hour progress. In which I cannot use Paynow because I need the digital token first. And this food vendor only accepts Paynow and not card. So I’m stuck looking like a food because of your app’s inadequacy, all from that initial problem of not being able to login because the screen was stuck on a loading screen and your app’s suggestion to redownload.

### 5/5 — Exceptional

*2026-06-12, version 19.8.0*

Perfect service

### 4/5 — 都英文😵‍💫😂🙏

*2026-04-23, version 19.4.2*

有中文字幕会比较方便，我们这些华语老k k🙏🌈不过打电话去那些用中文传授我们如何按哪一个英文字母的他们的解释能力都很不错👌但也不好意思，每次都打电话，而且电话也不是这么容易打😌谢谢🙏大华银行🙏🌈

### 5/5 — Good App

*2026-04-22, version 19.4.2*

Always good never failed

### 5/5 — user friendly

*2026-04-16, version 18.19.8*

nice

## Frequently asked questions about UOB TMRW

### What does the UOB TMRW app do?

The UOB TMRW app is an all-in-one financial management tool. It offers personalized banking insights, helps you grow and manage your money through its Wealth section, provides access to a rewards program, and facilitates easy daily payments and cardless ATM withdrawals.

### What are the key features of UOB TMRW?

Key features include personalized money insights with alerts and recommendations, a dedicated Wealth section for growing finances, the Rewards+ program for exclusive deals and tracking cashback, easy daily payments via PayNow and Scan to pay, cardless ATM withdrawals, and competitive foreign exchange rates for trading, shopping, and travel.

### Is UOB TMRW free to use?

Yes, the UOB TMRW app is available for free. Based on the provided information, there are no explicit mentions of subscription fees, in-app purchases, or advertisements within the app itself.

### Who is the UOB TMRW app designed for?

This app is designed for individuals who want a simplified, personalized, and comprehensive way to manage their banking and financial needs. It caters to users interested in smart spending and saving, growing their wealth, earning rewards, and making convenient payments.

### Can I use UOB TMRW for international transactions?

Yes, the app offers competitive foreign exchange rates for 11 currencies through Mighty FX. This feature is beneficial for your trading, online shopping, and travel needs, allowing you to manage foreign currencies directly within the app.

## Version history (last 5 releases)

### 19.10.4 — 2026-08-03

UOB TMRW just got an update! We've fixed a few bugs and made upgrades to create a better experience for you.

Try it out and let us know what you think!

### 19.10.2 — 2026-07-13

UOB TMRW just got an update! We've fixed a few bugs and made upgrades to create a better experience for you.

Try it out and let us know what you think!

### 19.8.0 — 2026-06-04

UOB TMRW just got an update! We've fixed a few bugs and made upgrades to create a better experience for you.
Try it out and let us know what you think!

### 19.4.4 — 2026-05-04

UOB TMRW just got an update! We've fixed a few bugs and made upgrades to create a better experience for you.
Try it out and let us know what you think!

### 19.4.2 — 2026-04-21

UOB TMRW just got an update! We've fixed a few bugs and made upgrades to create a better experience for you.
Try it out and let us know what you think!

## Apps similar to UOB TMRW

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## More apps by United Overseas Bank Limited Co.

- [UOB TMRW Vietnam](https://appshunter.io/ios/app/uob-tmrw-vietnam/id1174327324)
- [UOB TMRW Thailand](https://appshunter.io/ios/app/uob-tmrw-thailand/id1220331876)
- [UOB TMRW Malaysia](https://appshunter.io/ios/app/uob-tmrw-malaysia/id1239716055)
- [UOB Agents Vietnam](https://appshunter.io/ios/app/uob-agents-vietnam/id1351262792)
- [UOB Private Bank MyPortfolio](https://appshunter.io/ios/app/uob-private-bank-myportfolio/id1374749645)

All apps by United Overseas Bank Limited Co.: https://appshunter.io/developer/435673767

## Related topics

[uob](https://appshunter.io/ios/topics/uob) · [uob tmrw](https://appshunter.io/ios/topics/uob-tmrw) · [uob bank](https://appshunter.io/ios/topics/uob-bank) · [uob tmrw singapore](https://appshunter.io/ios/topics/uob-tmrw-singapore) · [uob tmrw vietnam](https://appshunter.io/ios/topics/uob-tmrw-vietnam) · [uob tmrw thailand](https://appshunter.io/ios/topics/uob-tmrw-thailand) · [uob tmrw indonesia](https://appshunter.io/ios/topics/uob-tmrw-indonesia) · [uob infinity thailand](https://appshunter.io/ios/topics/uob-infinity-thailand) · [uob tmrw malaysia](https://appshunter.io/ios/topics/uob-tmrw-malaysia) · [uob infinity singapore](https://appshunter.io/ios/topics/uob-infinity-singapore) · [tmrw](https://appshunter.io/ios/topics/tmrw)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*