CPF Mobile vs UOB TMRW
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CPF Mobile
Manage your personal CPF information and access services on the go. View your CPF statement, receive alerts, and access account balances. Features a privacy mode for public use and allows transactions via PayNow QR.
- Access CPF statement
- Manage CPF information
- Receive push notifications
- Privacy mode
- PayNow QR transactions
- View account balances
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CPF Mobile provides you with easy access to your personal CPF information on the go and quick access to your CPF statement and services to manage your CPF. You can also receive push notification alerts and updates regarding your personal CPF matters, educational articles, CPF tips and events even when you are on the move. For added privacy when browsing through the app in public spaces, simply turn on privacy mode. In addition, you can transact with us conveniently via your mobile devices to access your CPF account balances and perform selected transactions* using payment modes such as PayNow QR. You can access the following CPF information and services using your Singpass: • Dashboard • Healthcare • Housing • Investment • Transaction History • Services * Retirement Sum Topping-Up Scheme and Voluntary Housing Refund For the full suite of CPF online services, please visit cpf.gov.sg.
UOB TMRW
Manage all your banking and financial needs with personalized insights and recommendations. Grow your wealth, enjoy exclusive rewards, and make easy daily payments. Access cardless ATM withdrawals and competitive foreign exchange rates.
- 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
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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.
Screenshots
Verdict
The clearest difference is rating: UOB TMRW at 4.8 against CPF Mobile's 4.3. UOB TMRW also leads on ratings volume (2.7K vs 9). On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UOB TMRW holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: UOB TMRW has 2.7K ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 43% of CPF Mobile's written reviews are positive against 40% of UOB TMRW's, so the app with the better star average is not the one people write more warmly about.
CPF Mobile ships an update every 2 months, UOB TMRW monthly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | CPF Mobile | UOB TMRW |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (9 ratings) | 4.8 (2.7K ratings) — better |
| Positive reviews | 43.1% of reviews — better | 40.4% of reviews |
| Number of ratings | 9 | 2.7K — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 14.0 — better |
| Further details — not scored | ||
| Size | 65 MB | 460 MB |
| Age rating | 17+ | 4+ |
| Developer | Central Provident Fund Board | United Overseas Bank Limited Co. |
Customer experience
CPF Mobile
UOB TMRW
Bugs and requests
CPF Mobile
Not enough reviews yet to summarise bugs or requests.
UOB TMRW
Reported bugs
5 issues- 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
Requested features
5 requests- 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
In-app purchases
CPF Mobile
No in-app purchases
UOB TMRW
No in-app purchases
Questions
Is CPF Mobile free?
Is UOB TMRW free?
Which has better reviews, CPF Mobile or UOB TMRW?
Do CPF Mobile or UOB TMRW have ads?
Which is updated more often, CPF Mobile or UOB TMRW?
Other comparisons
