Travelling overseas is an exciting opportunity to explore new cultures, try new cuisines, and make unforgettable memories. However, it can also be daunting, especially when it comes to managing finances while abroad. Fortunately, you can use UOB card overseas.
As UOB cardholders can enjoy a range of benefits and features that make overseas transactions more convenient and secure.
In this article, we will cover everything you need to know about using your UOB card overseas. From activating your card for overseas use to maximising rewards and offers, we will provide you with essential tips and information to help you make the most of your travels. Whether you’re a frequent flyer or a first-time traveller, this guide will equip you with the knowledge you need to have a worry-free overseas experience.
Key Takeaways
- UOB cardholders can enjoy a range of benefits and features when travelling overseas
- Activating your UOB card for overseas use and understanding security measures for overseas transactions is essential
- Maximising rewards and offers, managing finances, and using digital solutions are important tips for UOB cardholders travelling abroad
Understanding UOB Card Overseas Use
Are you planning to travel abroad and are wondering about using your UOB credit card overseas? Don’t worry, UOB has got you covered. In this section, we will explain everything you need to know about using your UOB card overseas.
Benefits of Using UOB Card Abroad
Using your UOB credit card overseas has many benefits. First, you can earn rewards such as KrisFlyer miles or UOB Rewards points for every transaction you make. These rewards can be redeemed for flights, hotel stays, and other exciting benefits.
Second, using your UOB card overseas is convenient and safe. You don’t have to worry about carrying cash or exchanging currency. Plus, UOB’s credit cards come with advanced security features that protect you from fraud and unauthorized transactions.
Third, using your UOB card overseas can help you manage your expenses. You can track your spending and check your balance online or through the UOB Mobile app. This way, you can avoid overspending and stay within your budget.
How UOB Cards Work Overseas
When you use your UOB credit card overseas, your transactions will be converted into the local currency using the prevailing exchange rate. UOB charges a foreign currency transaction fee of 2.8% of the transaction amount, which is standard for most banks. However, some UOB credit cards offer lower or no foreign currency transaction fees, so be sure to check your card’s terms and conditions.
To use your UOB card overseas, you need to activate it for overseas use. You can do this online through UOB’s website or mobile app. Once activated, you can use your card for point-of-sale transactions and ATM withdrawals. However, please note that some merchants may not accept credit cards, so it’s always a good idea to carry some cash with you.
In conclusion, using your UOB credit card overseas is a convenient and rewarding way to manage your expenses while travelling. Just make sure to activate your card for overseas use and check your card’s terms and conditions for any fees or restrictions.
Activating Your UOB Card for Overseas Use
If you’re planning to use your UOB card overseas, you need to activate it first. Here are three ways to do it:
Activation Through Internet Banking
Activating your card through UOB’s Personal Internet Banking (PIB) is quick and easy. Simply log in to your PIB account and follow these steps:
- Click on “Cards” and select “Overseas Card Use.”
- Enter your card number and select the countries you plan to visit.
- Click “Submit” and you will receive an OTP (One-Time Password) via SMS.
- Enter the OTP on the website to complete the activation process.
Activation via UOB Branch or ATM
If you prefer to activate your card in person, you can do so at any UOB branch or ATM. Here’s how:
- Visit any UOB branch or ATM and insert your card.
- Select “Other Services” and then “Overseas Card Use.”
- Select the countries you plan to visit and confirm your activation request.
Using the TMRW App for Activation
If you’re a TMRW customer, you can activate your card for overseas use through the TMRW app. Here’s how:
- Log in to the TMRW app and select your card.
- Tap “Settings” and then “Overseas Use.”
- Select the countries you plan to visit and confirm your activation request.
It’s important to note that activating your card for overseas use doesn’t guarantee access to all ATMs or merchants. Some countries may have different regulations or restrictions that could affect your card’s status. To check your card’s status or for any other queries, you can contact UOB’s hotline or check their website for updated information.
By following these simple steps, you can activate your UOB card for overseas use and enjoy a hassle-free trip abroad.
Security Measures for Overseas Transactions
Travelling abroad is an exciting experience, but it’s important to keep your UOB Credit, Debit and ATM Cards safe from fraudulent activities. Here are some security measures that UOB has implemented to ensure your overseas card use is secure.
EMV Chip Technology
UOB Credit and Debit Cards are equipped with EMV chip technology, which provides an added layer of security against card fraud. This technology generates a unique code for every transaction, making it difficult for fraudsters to clone your card.
Magnetic Stripe Precautions
The magnetic stripe on all UOB Credit, Debit and ATM Cards are disabled for overseas point-of-sale transactions and ATM access to reduce the risk of unauthorised transactions being effected on the Card. This is because magnetic stripe technology is more vulnerable to skimming and cloning.
OTP and Transaction Alerts
To change the magnetic stripe settings on your card(s) for overseas card use, a One-Time Password (OTP) will be sent to your registered mobile number for verification. If you have not registered or updated your mobile number with us, please click here for alternative ways to change the magnetic stripe settings on your card(s) for overseas use.
In addition, UOB cardholders will receive an SMS alert when an overseas ATM cash withdrawal above a certain threshold is made. This helps to detect unauthorised transactions and allows you to take immediate action if necessary.
By following these security measures, you can enjoy the convenience and security of using your UOB Credit, Debit and ATM Cards overseas without worrying about unauthorised transactions.
Managing Finances While Abroad
Travelling overseas can be exciting, but managing your finances can be a hassle. With UOB cards, you can enjoy peace of mind when it comes to managing your finances while abroad. Here are some tips to help you make the most of your UOB cards while travelling.
Understanding Exchange Rates and Fees
When travelling overseas, it is important to understand exchange rates and fees. Exchange rates are the rates at which one currency can be exchanged for another. UOB cards offer competitive exchange rates, so you can get more value for your money. However, do take note that there may be administrative fees and transaction fees for foreign currency transactions. It’s best to check with UOB for the latest fees and charges.
Setting a Budget with UOB Cards
To avoid overspending while abroad, it’s important to set a budget. With UOB cards, you can easily track your spending and set a credit limit to help you stay within budget. You can also use UOB’s mobile banking app to monitor your transactions in real-time and receive alerts when you reach your credit limit.
In addition, UOB cards offer overseas usage, which means you can use your card at millions of merchants worldwide. You can also withdraw cash from overseas ATMs with ease. Just remember to keep track of your spending to avoid exceeding your budget.
Overall, managing your finances while travelling can be made easier with UOB cards. With competitive exchange rates, low fees and charges, and convenient overseas usage, you can enjoy your travels with peace of mind.
Using UOB Cards for Cash Withdrawals Overseas
Are you excited about your upcoming trip abroad? You must be! Before you go, it’s important to know how to use your UOB card for cash withdrawals overseas. Here’s everything you need to know.
ATM Access and Partnerships
UOB has a wide range of ATM partners across the globe, including in Malaysia and the USA. This means that you can withdraw cash from any UOB ATM or any ATM that is part of the Cirrus or PLUS network. To make things even more convenient, you can also use your UOB card to withdraw cash from any ATM that displays the Mastercard or Visa logo.
Handling ATM Withdrawal Charges
When you withdraw cash from an overseas ATM, you may be charged a transaction fee. This fee is usually a percentage of the amount you withdraw, and it can add up quickly if you’re not careful. To avoid these charges, it’s important to plan ahead and withdraw enough cash to last you for a few days.
Another way to avoid ATM withdrawal charges is to use your UOB card to make purchases instead of withdrawing cash. Many merchants overseas accept credit and debit cards, and using your card for purchases can be a more cost-effective option than withdrawing cash.
In conclusion, using your UOB card for cash withdrawals overseas is easy and convenient. With a wide range of ATM partners and the ability to withdraw cash from any ATM that displays the Mastercard or Visa logo, you can access your money from almost anywhere in the world. Just be sure to plan ahead and avoid unnecessary transaction fees.
Maximising Rewards and Offers
If you’re using your UOB card overseas, you can earn rewards on foreign transactions. Here’s how to maximise your rewards and offers to make the most of your UOB card:
Earning Rewards on Foreign Transactions
When you use your UOB card overseas, you can earn rewards on your foreign transactions. For example, if you use your UOB Visa Signature Credit Card for overseas (including online), petrol, and contactless transactions, you can earn up to UNI$10 per transaction, and UNI$1 on all other spend with no cap. This is a great way to earn rewards while you’re travelling.
In addition to earning rewards on foreign transactions, you can also earn rewards through UOB Rewards and KrisFlyer. With UOB Rewards, you can earn UNI$15 with every S$5 spend on your card and redeem rewards you love. With KrisFlyer, you can earn miles when you spend with your UOB card and redeem them for flights, upgrades, and more.
Redeeming Points with Participating Merchants
Once you’ve earned enough rewards, you can redeem them for a variety of rewards with participating merchants. UOB Rewards has over 1,000 rewards across dine, shop, travel, and more, so you’re sure to find something that interests you. You can also redeem your rewards for things like paying your bills or auto-converting them to cash rebates.
When you’re redeeming your rewards, be sure to check the terms and conditions to make sure you’re getting the best value for your rewards. Some rewards may have restrictions or expiration dates, so it’s important to read the fine print before you redeem your rewards.
In conclusion, using your UOB card overseas can be a great way to earn rewards and offers. With UOB Rewards and KrisFlyer, you can earn rewards and redeem them for a variety of rewards with participating merchants. Just be sure to read the terms and conditions and check for any restrictions or expiration dates before you redeem your rewards.
Essential Tips for UOB Cardholders
Using your UOB card overseas can be convenient and hassle-free, but it’s important to take some precautions to ensure your safety and security. Here are some essential tips to keep in mind:
Keeping Contact Information Updated
Make sure that your contact information is up to date with UOB. This includes your mailing address, mobile number, and email address. You can update your contact information through your registered SingPass account or by logging in to your PIB account. Keeping your contact information updated will ensure that UOB can reach you in case of any issues with your card.
What to Do in Case of Lost Card or Fraud
If you lose your UOB card while overseas, or if you suspect that your card has been compromised, you should contact UOB’s 24-hour hotline as soon as possible. The hotline number can be found on the back of your card, or you can find it on UOB’s website. You should also log in to your PIB account to report the loss or fraud.
UOB will then cancel your card and issue you a new one. If you are overseas and need a new card urgently, UOB can arrange for a letter of guarantee to be sent to you, which you can use to withdraw cash from a bank or ATM. UOB will also investigate any suspected fraudulent activity on your card and work with you to resolve any issues.
Remember, it’s always better to be safe than sorry when it comes to your UOB card overseas use. By following these essential tips, you can enjoy your travels with peace of mind knowing that your UOB card is secure and protected.
Digital Solutions for Global Travellers
Travelling overseas can be exciting, but it can also come with its own set of challenges. One of the biggest concerns for travellers is accessing their bank accounts and managing their finances while abroad. Fortunately, UOB offers a range of digital solutions to make banking on the go easier than ever before.
Online Banking on the Go
With UOB’s online banking platform, you can access your account anytime, anywhere. Whether you’re at home or abroad, you can easily check your account balance, view your transaction history, and transfer funds between accounts. All you need is an internet connection and your login credentials.
UOB’s online banking platform is secure and easy to use. You can set up a token for added security, and the platform is compatible with most mobile devices. Plus, you can visit the UOB website to learn more about online banking and how to get started.
The TMRW App: Your Travel Companion
For even more convenience, UOB offers the TMRW app, your ultimate travel companion. With the TMRW app, you can easily manage your finances while on the go. You can check your account balance, view your transaction history, and even transfer funds between accounts.
The TMRW app is designed with the modern traveller in mind. It’s user-friendly and intuitive, with a sleek and modern interface. Plus, you can access the app from anywhere in the world, as long as you have an internet connection.
In addition to managing your finances, the TMRW app also offers a range of other features to make your travels easier. You can use the app to book flights and hotels, find local attractions and events, and even learn about the local culture and customs.
Overall, UOB’s digital solutions make banking on the go easier and more convenient than ever before. Whether you prefer online banking or the TMRW app, you can access your account from anywhere in the world and manage your finances with ease.
Frequently Asked Questions
How can I activate my UOB card for international spending?
You can activate your UOB card for international spending by logging into your UOB account through the website or mobile app. Enable your card’s magnetic stripe for overseas use. You can also call UOB’s customer service hotline to activate your card for international transactions.
What are the fees associated with using my UOB card abroad?
When you use your UOB card abroad, you may be charged a foreign transaction fee. This fee is usually a percentage of the total transaction amount and varies depending on the type of card you have. You may also be charged an ATM withdrawal fee if you use your card to withdraw cash from an overseas ATM.
Is it necessary to notify UOB before using my card overseas?
It is not necessary to notify UOB before using your card overseas, but it is recommended. By notifying UOB of your travel plans, you can help prevent any potential fraud alerts or card blocks while you are abroad. You can notify UOB of your travel plans through the website or mobile app.
Can I use my UOB debit card when I’m travelling outside the country?
Yes, you can use your UOB debit card when you’re travelling outside the country. However, you should ensure that your card is activated for international transactions before you leave. You should also be aware of any foreign transaction fees or ATM withdrawal fees that may apply.
What should I do to deactivate my UOB card from foreign transactions after my trip?
You can deactivate your UOB card from foreign transactions by logging into your UOB account through the website or mobile app. Disable your card’s magnetic stripe for overseas use. You can also call UOB’s customer service hotline to deactivate your card from foreign transactions.
What is the maximum spending limit on my UOB card when used in other countries?
The maximum spending limit on your UOB card, when used in other countries, depends on your card type and your credit limit. You can check your card’s spending limit by logging into your UOB account through the website or mobile app. If you need to increase your spending limit, you can contact UOB’s customer service hotline for assistance.
