Personal Internet Banking

To use UOB (China) Personal Internet Banking, you need to have at least one of the following accounts* with the UOB China:
Current Account
Savings Account
Time/Fixed Deposit
Investment Account (excluding QDII and UT)
Loan Account
*You would need to be either a personal or joint-alternate ('AND/OR') account holder. Note: Joint/And accounts with multiple signing conditions cannot be linked.

No, UOB (China) Personal Internet Banking is currently a free service. However, charges apply for some transactions, such as remittance services.

Please apply for UOB (China) Personal Internet Banking at any UOB (China) Branch/Sub-branch providing Personal Financial Services.

Please visit any UOB (China) Branch/Sub-branch providing Personal Financial Services to open an account and apply for UOB（China）Personal Internet Banking.

If forgetting your Username, please call our hotline 400-166-6388 (business days 8:00-20:00) for assistance.

You can only have one set of Username and Password.

Once you have selected your preferred UOB (China) Personal Internet Banking Username, you will not be able to change it. For security reasons, choose a Username which will not be easily known to a third party.

Yes, you can do so by selecting 'Customer Service' > 'Change Password' after you login to UOB (China) Personal Internet Banking. As a security measure, change your Password periodically. To learn more about safeguarding your password, please refer to our security recommendations.

If forgetting your password, please fill in the Maintenance Form to review your password at any UOB (China) Branch/Sub-branch providing Personal Financial Services.

If you lose your UOB (China) Personal Internet Banking Password, suspect that the confidentiality of your Password has been compromised, or notice any unusual activity with your account(s), you should notify the Bank immediately by calling 400-166-6388 (business days 8:00-20:00).

Your delinked UOB (China) Personal/Joint-OR account number will be displayed in UOB (China) Personal Internet Banking “Link Account” page.
Note: Joint/And accounts with multiple signing conditions cannot be linked.

Yes, you can do so if your joint account requires only one signature for the authorisation of transactions. Joint/And accounts with multiple signing conditions cannot be linked for online access.

When you successfully complete a transaction, you will be given a transaction reference number on-screen. This applies to all UOB (China) Personal Internet Banking transactions except 'Enquiries'. It is important that you wait for the transaction reference number to appear on your screen before you change screens or exit from UOB (China) Personal Internet Banking. Please take note of this transaction reference number for your future correspondences with the Bank.

Please check if your transaction has been effected in 'Online Transaction History' under the 'Account Services' feature.

You can visit any UOB (China) Branch/Sub-branch providing Personal Financial Services for the termination. Please allow two business days for your Username termination request to be effective.

UOB (China) Personal Internet Banking has a system that provides a high standard of security for banking over the Internet. This security system safeguards the confidentiality of your personal account information and banking transactions employs:

- Multiple levels of firewalls.

- 128-bit Secure Sockets Layer (SSL) encryption – currently recognized internationally to be of the highest standard in encryption technology commercially available.

- A Two-Factor Authentication technology that uses a Username and Password, as well as a One-Time Password obtained via the customer's mobile phone.

- The corresponding daily limit is set for various types of transfers and there are total daily transaction number and annual cumulative limit controls for 3rd party transfer.

- Extra safety questions (3FA) need to be passed in the execution of 3rd party transfers when exceeding the stipulated limit.

Upon login to UOB (China) Personal Internet Banking, check that the website address at the top status bar of your browser changes from http:// to https:// and that a security icon (symbolised by a lock) appears at the bottom status bar of your browser. This indicates that the web page you are on is equipped with encryption technology. You can double click on the security icon to view information pertaining to the security certificate for the web page.

While the Bank has taken steps to keep your account information secure, you, as a registered user, also play an important role in maintaining the security of your account information.

1. Keep your UOB (China) Personal Internet Banking Username and Password confidential. Memorise them and NEVER write them anywhere or reveal them to anyone. Please note that no staff member of the UOB China or UOB Group should ever ask you for your UOB (China) Personal Internet Banking Username and Password for whatever reasons.

2. You should also change your Password from time to time, using the 'Change Password' feature available on UOB (China) Personal Internet Banking.

3. Before you exit from UOB (China) Personal Internet Banking, always clear your browser's disk cache, especially if you are accessing your account from public terminals. This will prevent your account information from being stored on the terminals. Instructions on how to clear your browser's disk cache are provided on the screen when you select 'Exit' on the UOB (China) Personal Internet Banking website.

4. You should always log out of UOB (China) Personal Internet Banking before moving on to other websites.

5. Install an effective personal firewall1 on your PC together with anti-virus2 and anti-Trojan horse3 software to safeguard your PC from viruses and malicious programmes. Viruses and malicious programmes may damage and/or destroy your personal data if undetected. Some can even capture your password keystrokes or other personal information, and these details can be transmitted to another person without your consent.

Personal Firewall
Personal firewalls serve two basic functions. They protect your system from unsolicited scans coming from the Internet and usually offer outbound controls as well. An inbound scan will look for and block any uninvited commands, instructions, programmes or messages from entering your system, while outbound controls will look for and block unfamiliar programmes (like viruses and Trojan horses) from trying to send out messages from your computer.

Anti-Virus Software
Anti-virus software scan your hard disk to locate and remove viruses. To some extent, these products can scan for and possibly remove worms and Trojan horses.

Anti-Trojan Horse Software
Anti-Trojan horse software can identify and remove more programmes that act like Trojan horses than anti-virus software can. A Trojan horse programme is usually an innocent programme or utility that you might download on your PC. However, behind the programme's perceived usefulness lurks a function that allows it to damage your computer or steal your personal information. You can refer to our Privacy & Security for more information on Your Role In Safeguarding Your Personal Data And Account Information.

UOB (China) Personal Internet Banking offers SMS-OTP authentication mode. SMS-OTP is a one-time password delivered to the mobile phone of a UOB (China) Personal Internet Banking customer. For this option, the customer's mobile phone number must be registered with the Bank.

Two-Factor Authentication allows the Bank to provide additional security to Internet Banking customers. It ensures that only authorized customers can gain access to account information and transact securely.

You are required to use the One-Time Password (OTP) when performing any of the following transactions:
Login to UOB (China) Personal Internet Banking
Setting up Funds Transfer arrangement to third party UOB (China) accounts
Setting up Funds Transfer arrangement to other banks
Setting up Overseas Remittance arrangement

In this case, you will be able to login to UOB (China) Personal Internet Banking using your Username and Password to perform balance enquiries only. You will not have access to perform transactional activities.

Our recommended system setup for accessing UOB (China) Personal Internet Banking is as follows:
PC configuration:
With Internet connection
Web Browser *
- Internet Explorer 6.X or 7.0, Firefox 3.03, Safari 3
Macintosh configuration:
Mac (Leopard), Mac (Tiger)
With Internet connection
Web Browser *
- Safari 3

* Please note that all Beta versions are not supported

UOB (China) Personal Internet Banking employs 128-bit Secure Socket Layer (SSL), which is internationally recognised as the highest standard in commercially available encryption technology. 128-bit Secure Socket Layer (SSL) is adopted by banks in financial institutions worldwide. Your browser must support 128-bit encryption to enable your access to UOB (China) Personal Internet Banking. To check your browser's encryption level, follow the steps below:
Microsoft Internet Explorer
1) Select 'Help' from the Internet Explorer menu bar.
2) Select 'About Internet Explorer' from the drop-down menu.
3) The 'About Internet Explorer' dialog box will provide information on your browser version and encryption level.
Firefox version
1) Select 'Help' from the Netscape menu bar.
2) Select 'About Mozilla Firefox' from the drop-down menu.
3) The 'About Mozilla Firefox' dialog box will provide information on your browser version.

To enable these features on your browser, follow these steps:
For Internet Explorer:
1. In Internet Explorer, on the 'Tools' menu, click 'Internet Options'.
2. On the 'Privacy' tab, ensure that the slider is at the Medium security level.
3. Click the 'Advanced' tab. Scroll down. Ensure that either of the following is checked:
- Under Java (IBM), 'Use Java 2... ‹ applet › (requires restart)'
OR
- Under Java (Sun), 'Use JRE... ‹ applet › (requires restart)'.
4. Click 'OK' button to exit the dialogue box.
For Mozilla Firefox:
1. In Firefox, on the 'Tools' menu, click 'Options'
2. Click on 'Content' tab and ensure that 'Enable Java' is checked
3. Click 'OK' button to exist the dialogue box

Aside from 128-bit SSL, UOB (China) Personal Internet Banking uses a Java applet for added security in encrypting your Password before it is transmitted to the Bank. Without being Java-enabled or having an updated JRE (Java Runtime Environment) in your browser, the applet will not work and you will not be able to login to UOB (China) Personal Internet Banking.

Launch your Internet browser
Click "Tools" tab and select "Sun Java Console" from the menu
Check that JRE version is at least version 1.3.1 and higher

Check that your browser settings comply with our recommendations. If JRE is outdated, corrupted or not installed in your system, you will not be able to enter your password for login to UOB (China) Personal Internet Banking. For example, you will not be able to move the blinking line cursor to the password field.

Please follow the steps below to install the latest version of JRE.

1. Go to www.java.com/getjava.
2. Click "Free Java Download". The site will detect your browser/operating system and present a compatible Java program for download and installation.
3. Click "Installation Instructions" if you require a step-by-step installation guide.
4. To download the software, click "Free Java Download" and the installation process will start to run Once installation is completed, check version of JRE.
5. Restart the browser and login to UOB (China) Personal Internet Banking.