UBGROUPSG FX Plus Debit Card and Account

UBGROUPSG Pulse

More than a travel wallet

Enjoy 0% foreign-exchange fees on worldwide spending, with no cap or minimum spend. Convert supported currencies around the clock in UBGROUPSG Pulse at competitive rates.
UBGROUPSG Pulse mobile banking app

The app built around you

UBGROUPSG Pulse

Meet an all-in-one banking app designed around everyday needs. AI-powered insights, personalised Rewards+ benefits and accessible wealth solutions come together in one seamless experience.Bank. Invest. Reward. Make TMRW yours.

Latest updates

What’s New

Make the most of UBGROUPSG Pulse with current announcements, features and promotions in one place.

Security update

PayNow nickname feature discontinued from 6 June 2026

PayNow nicknames are replaced automatically by a masked version of the registered account name. The industry-wide change is intended to reduce impersonation scams while protecting customer privacy.

Campaign update

Magical voyage with UBGROUPSG Pulse

The campaign has concluded. UBGROUPSG thanks everyone who participated and congratulates the campaign winners.

New feature

Pay faster with the UBGROUPSG Pulse widget

Add the widget to a supported home or lock screen for faster access to PayNow and Scan to Pay.

Travel and savings

Get more from your travels with FX+

  • Worldwide card spending at 0% FX fees
  • Advance currency conversion in UBGROUPSG Pulse
  • Supported foreign-currency balances and promotional savings features
  • Eligible Singapore-dollar deposits insured up to S$100,000 by SDIC

Move money simply

Digital Payments and Transfers

PayNow
Local

PayNow

Transfer to people and businesses using a mobile number, NRIC/FIN or UEN without entering a bank-account number.

Scan to pay
Local

Scan to pay

Make purchases by scanning supported QR codes at hawker centres, shops and other participating merchants.

UBGROUPSG Pulse payment widget
Local

Payment widget

Reach PayNow and Scan to Pay more quickly from your device’s home or lock screen.

Local

Funds transfer

Send and receive money and arrange recurring or scheduled payments.

Local

FAST

Transfer Singapore-dollar funds instantly to accounts at participating Singapore banks.

Local

Bill payment

Pay supported billing organisations immediately, schedule future payments, or set up recurring GIRO deductions.

Everyday banking

Bank with ease

UBGROUPSG Pulse account dashboard

Everything at a glance

One-tap access puts frequently used services and essential account information within easy reach.

Foreign currency spending

FX+ rates in advance

Convert Singapore dollars to supported currencies before travelling and spend from the relevant FX+ balance at 0% FX fees.

AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD and USD are supported.
Digital account setup

Quick account setup

Eligible customers can apply digitally and begin transacting after approval without waiting at a branch.

Digital card application

Simple, secure card applications

Complete an eligible card application in minutes and receive digital-card access for contactless payments after approval.

One app for all your banking needs

Take control with smart insights, wealth features and instant applications.

Rewards Plus in UBGROUPSG Pulse

More from TMRW

Personalised rewards and other services

Rewards+

Discover personalised offers across dining, shopping and travel. Track and redeem eligible cashback and reward points within the app.

Account insights

View deposits, bonus interest, investments, card activity, deals and rewards in one consolidated experience.

Money management

Use smart insights and clear transaction information to understand spending and stay on top of financial goals.

Protection and awareness

Bank Securely

UBGROUPSG combines digital safeguards, customer controls and timely alerts to help protect personal information and banking activity.

Real-time fraud surveillance

Enhanced real-time fraud surveillance

Selected suspicious transactions may be held for at least 24 hours, allowing additional time to review or cancel an unauthorised payment. Customers who suspect fraud can call the 24-hour Fraud Hotline at 6255 0160.

Secure banking notifications

Instant transaction notifications

Impacted digital, banking and card SMS alerts are progressively moving to UBGROUPSG Pulse push notifications and email alerts.

Android debugging protection

Android debugging protection

App access is restricted when USB or wireless debugging is detected because these settings can enable remote viewing and unauthorised activity.

Transfer-limit cooling period

12-hour cooling period

A cooling period may apply after requests to increase local or overseas third-party transfer limits.

Singpass Face Verification

Singpass Face Verification

An additional identity check may be requested during Digital Token setup when unusual or suspicious activity is detected.

Money Lock

Money Lock

Set aside an amount in an eligible account to prevent digital withdrawals while the balance continues earning the applicable interest.

UBGROUPSG Kill Switch

Kill Switch

Immediately disable Personal Internet Banking and UBGROUPSG Pulse access and block UBGROUPSG debit and credit cards through the emergency hotline process.

U
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