Cooling periods
A 12-hour cooling period applies to selected high-risk changes, including contact-detail updates, new Digital Token activation, transfer-limit increases and adding payees.
Online Banking Security
How UBGROUPSG protects you
Bank online with greater confidence through UBGROUPSG’s multi-layered approach to securing your accounts and transactions.UBGROUPSG security measures
Multiple safeguards working together
Keep UBGROUPSG Pulse updated so you receive the latest security enhancements and important banking notifications.
Transaction safeguards
Selected transactions identified by enhanced real-time fraud surveillance may be held for at least 24 hours, giving customers time to review suspicious activity.
Secure Call Authentication
Eligible scam- and fraud-prevention calls from UBGROUPSG can be authenticated through a UBGROUPSG Pulse push notification and Digital Token confirmation.
Contact-detail protection
Enhanced security after important updates
Verify new contact details
When changing an email address or mobile number in UBGROUPSG Pulse, enter the six-digit verification code sent to the new contact detail, then authorise with Digital Token.
Cooling-period controls
Some banking services and transactions may be temporarily restricted during the cooling period to reduce the risk of unauthorised activity.
Fraud surveillance
Real-time monitoring for evolving scams
Transactions are assessed
UBGROUPSG applies real-time detection measures aligned with the MAS and IMDA Shared Responsibility Framework to identify suspicious transaction patterns.
Extra time to respond
If an eligible transaction is held, review the details carefully and contact UBGROUPSG immediately if it was not authorised.
Things you should know
Your role in staying secure
Use only official UBGROUPSG channels
Type the official address directly or use the official UBGROUPSG Pulse app. Do not access banking through links sent in unexpected messages.
Protect passwords and codes
Never share your username, password, PIN, Digital Token code or one-time password—even with someone claiming to represent the bank.
Review recipients and alerts
Check recipient names, amounts and transaction notifications promptly. Report anything unfamiliar immediately.
Keep devices protected
Use current operating-system and app versions, secure your device with a screen lock and avoid installing applications from unknown sources.
PayNow registered names
From 6 June 2026, PayNow nicknames are replaced by masked registered account names as an industry measure against impersonation scams.
If you suspect a scam
Stop communicating with the suspected scammer, do not approve further transactions, secure your digital banking access and call UBGROUPSG’s 24-hour hotline at 1800 222 2121. Make a police report where appropriate.