FAQ

What is the City of TMRW?
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City of TMRW is an interactive savings game. The more you save, the bigger your City of TMRW grows!

Cashback lovers, this one's for you!

Unlock higher cashback of 6% when you make 2 bill payments and 2 QR transactions on your TMRW Everyday Account through digital channel (UOB TMRW Apps or UOB Personal Internet Banking) within the same month. You also get to choose 3 of your favourite spend categories to earn your 6% cashback in the next month.

By default, you'll also earn:

  • 1% cashback on dining, supermarket & minimart and transportation.
  • 0.2% cashback on all other categories.


The minimum amount required for a TMRW Power Saver deposit is Rp.8.000.000 (eight million rupiah).

More about TMRW

What is TMRW?
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UOB TMRW is a mobile-only banking solution for the digital generation. The account, debit and credit card offer smart and simple solutions to help you stay one step ahead of your finances.

Currently UOB TMRW app runs on iOS version 11 above and Android version 8 above. Effective on 22 February 2023, for iOS, UOB TMRW will only support version 13 above. iPhone users are strongly encouraged to use iOS version 13 or above for your own security and convenience transacting with UOB TMRW. This suggestion is due to Apple’s recent decision to stop their security support on the older iOS versions.

Be sure to always upgrade your OS version so you can always ensure your cyber security and can keep using UOB TMRW app with its latest update and features, considering that both Google and Apple will stop offering supports for critical security fixes for older OS versions.

Click here for steps to check and upgrade your smartphone OS.

To check and upgrade your smartphone OS, you can do the following steps:

  1. Go to smartphone settings.
  2. Go to phone information (About Phone) and check your current OS version.
  3. To upgrade, go to software update menu and update.

Why should I upgrade my OS version? Click here

What if my device doesn't support minimum OS required? Check here

Note: Software update mechanism may be different for each smartphone, we suggest to follow the manual instruction.

We're sorry but you won't be able to download and access UOB TMRW app from that device.

If you previously have opened a TMRW account, you should know that:

  1. UOB TMRW will always announce any update on the minimum OS requirement before hand.
  2. Don't worry, you can still able to access your TMRW Everyday account in PIB (Personal Internet Banking) UOB here via smartphone, laptop, or tablets. (Click here to know how) .
  3. You can still use your ATM/ Debit Card and TMRW Credit Card for transaction.
  4. City of TMRW can only be accessed through UOB TMRW app. We advise you to withdraw your available funds in City of TMRW to TMRW Everyday Account before we fully stop the support to your OS.


If you need further assistance, chat us via UOB TMRW app or contact 14008.

Sure! You can login to UOB PIB here using your UOB TMRW username and password.

Furthermore, to be able to do fund transfer and payments through PIB, you need to upgrade your access level into full access. Here's how:

  1. Click "Forgot Username / Password?" on the PIB home page.
  2. Fill in your personal details.
  3. Enter your debit card information & debit card PIN.
  4. Create a new password.


If you need further assistance, chat us via UOB TMRW app or contact 14008.

TMRW Uniqueness

How is TMRW different from other banks?
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All your banking happens on your phone. The more you bank with UOB TMRW, the more we learn about your money movements and offer you Smart Insights which are personalised alerts, reminders, and tips so you can spend and save better. Saving is also much more fun with the City of TMRW.

Smart Insights are personalised alerts, reminders, and tips to help you spend and save better. You will receive more Smart Insights the more you make payments, move money or save with UOB TMRW.

We'll only send you Smart Insights that are relevant and important to you. Perhaps there's nothing about your finances that needs your attention right now.

That depends. You may rate the Smart Insights that you see in the app so that we can learn more about what is relevant and important to you.

We are trying our best to help you better understand your finances with Smart Insights. It is part of the UOB TMRW experience. Unfortunately, it can't be turned off.

The Smart Insights on your dashboard are refreshed to show the latest, most relevant happenings on your account.

But don’t worry, the insights you’ve received in the past will be stored for up to 30 days. From your dashboard, scroll to the bottom and tap on ‘View recent insights’ to see them.

TMRW Account

What is a TMRW Account?
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With UOB TMRW, you'll be getting two accounts which allows you to transact and save.

Make your daily transactions with your TMRW Everyday Account and save your earnings in your TMRW Savings Account via City of TMRW. It's a whole new fun way to help you transact and save your money through an interactive game.

Here is why you get two accounts from us:

  1. TMRW Everyday Account is for your everyday banking needs like purchases, bill payments, cash withdrawals and fund transfers.
  2. TMRW Savings Account is to help you save money daily in a fun way through an interactive game, the City of TMRW!

Lots! Here's a summary:

  1. Free Cash withdrawals via all ATMs in Indonesia as long you have a minimum balance of Rp 1.000.000 before withdrawal.
  2. Free fund transfers and bill payments fee via the UOB TMRW App.
  3. A peace of mind with no monthly fees or fall below fees.
  4. Spend locally at millions of merchants with your TMRW Debit Card.
  5. Earn 0.5% interest per year with no minimum or fixed amount.
  6. Convenience to see and download your e-statements anytime, anywhere.

In addition, the benefits of having a TMRW Savings Account:

  1. High interest rates up to 3,25% per year with no minimum or fixed amount.
  2. Manage your savings daily on your TMRW Savings Account via an interactive savings game - City of TMRW, which makes saving easy and fun.
  3. Earn daily interest and get it credited monthly.
  4. A peace of mind with no monthly fees or fall below fees.
  5. Convenience to see and download your e-statements anytime, anywhere.

You can only transact in Indonesian Rupiah at the moment.

Unfortunately, you may not.

Please visit here to check the detail on interest rate.

You can start saving from the first Rupiah! There are no minimum initial deposit and monthly minimum balance requirements that you need to fulfil for your TMRW Accounts.

Regrettably, no.

TMRW Everyday Account is for your everyday banking transaction where you can do purchase, cash withdrawals, fund transfers and bill payment. Meanwhile, your TMRW Savings Account is for your daily or regular savings.

There are no fees for fund transfers to all bank accounts in Indonesia via the UOB TMRW App.

It's free! There are no fees for bill payments in Indonesia via the UOB TMRW App.

Yes, you will. The TMRW Account comes with a TMRW ATM/Debit Card linked to your TMRW Everyday Account. Use it on your purchases and ATM withdrawals. There are no fees for ATM withdrawals at ATM Bersama or ATM Prima when your balance before withdrawal is at least Rp 1.000.000.

Don't worry. There's no fee for the TMRW Debit Card.

Your TMRW ATM/ Debit Card comes together with the TMRW Everyday Account and this card is required for ATM withdrawals and to reset your online credentials.

The cost for replacement of your TMRW ATM/Debit Card will be free if you replace it via UOB TMRW App.

It's free. There are no fees for cash withdrawals at all ATM Prima and ATM Bersama as long as your balance before withdrawal is at least Rp 1.000.000.

You can save daily via an interactive game - the City of TMRW and enjoy higher interest rates up to 3,5% per year on your savings with no minimum deposit!

Unfortunately, no. The TMRW Savings Account is designed to help you save. The TMRW Everyday Account is for your everyday transactions including funds transfer, and making bill payments. You can easily transfer money from your TMRW Savings Account to your TMRW Everyday Account via the City of TMRW.

Regrettably, you may not. The TMRW Savings Account is designed to help you save.

To withdraw cash, transfer the money from your TMRW Savings Account to your TMRW Everyday Account via the City of TMRW. Then, use your TMRW ATM/Debit Card at any ATM in Indonesia to withdraw cash for free.

Your TMRW Everyday Account will become dormant if there are no debit and/or credit transactions for more than 12 months. Please visit our nearest branches to activate your account.

As per our previous notification, effective August 1st, 2025, a dormant account fee of Rp10.000 per month will be charged.

This does not apply to your TMRW Savings Account.

Cashback will be calculated based on the transaction posting dates within a calendar month. The cashbacks will be seamlessly credited to your TMRW Credit Card every month.

We do not issue a physical passbook. You can view and download your eStatements via the UOB TMRW App.

Yes! Bank with confidence and rest assured that TMRW Account is protected by the Deposit Protection Agency for the amount prescribed by law.

In case the total amount of customer’s savings exceeds IDR2,000,000,000 or another threshold determined by the Indonesia Deposit Insurance Corporation (LPS), including situations where the customer receives a Bank interest rate higher than the interest rate set by LPS or any successor institution in the future, then the excess amount of the customer’s savings will not meet the requirements and will not be included in the deposit guarantee program by LPS.

For more information, please visit https://apps.lps.go.id/BankPesertaLPSRate .

City of TMRW

What is the City of TMRW?
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City of TMRW is an interactive savings game. The more you save, the bigger your City of TMRW grows!

You can choose to save Rp 20.000, Rp 50.000, Rp 100.000 or any other preferred amount up to Rp 100.000.000 once a day. You can transfer money easily from your TMRW Everyday Account to your TMRW Savings Account via the City of TMRW.

You may tap on TMRW Savings Account and select "City of TMRW". Then tap on "Withdraw" on the top right corner of the screen to select the amount you want to withdraw and confirm.

You may also access "City of TMRW" from the side bar on the main screen.

TMRW Auto-Save

What is auto-save?
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Auto-save is a new feature in City of TMRW that helps you grow your savings effortlessly. It analyses your spending and saving patterns in your TMRW Everyday Account to help you save money that you might not be using into your City of TMRW automatically.

Auto-save can help you save money from your TMRW Everyday Account up to 3 times per week. You will need between 3–4 months of transaction activity in your TMRW Everyday Account before auto-save starts saving money for you.

You are not able to fix or specify how much money auto-save can save for you each time. Auto-save will save between Rp25.000 to Rp250.000 based on your TMRW Everyday Account balance, spending, and saving patterns. You will need between 3–4 months of transaction activity in your TMRW Everyday Account before auto-save starts saving money for you.

You can pause auto-save, set a monthly savings limit and minimum TMRW Everyday Account balance in the auto-save settings screen if you are expecting high expenses in your TMRW Everyday Account.

Yes, each time auto-save helps you save money into City of TMRW, you will earn the prevailing interest rate on the TMRW Savings Account.

No. You will not be charged a fee when auto-save helps you save money into City of TMRW.

No. Auto-save will not save money from your TMRW Everyday Account if your balance falls below a minimum balance threshold. You can set the minimum balance threshold in the auto-save settings screen.

Unlike a recurring transfer whereby a fixed amount of money is transferred every month, Auto-save analyses your spending and saving patterns in your TMRW Everyday Account to help you save money when you are not using it.

You may not have completed any transactions in the past month or your current available balance in your TMRW account may not be enough to cover your upcoming transactions. To start saving your money with auto-save, simply spend with your TMRW account and keep your balance up.

  1. Swipe to the TMRW Savings Account card and tap on ‘City of TMRW’.
  2. If you are new to City of TMRW, follow the onscreen tutorials to turn on auto-save.
  3. If you have previously setup your City of TMRW, tap on ‘Auto-save’ at the top-right corner on City of TMRW to get started.

  1. Swipe to the TMRW Savings Account card and tap on your account.
  2. Tap on ‘Transactions’.
  3. The auto-save status will be displayed below ‘Transactions’ as ‘on’ or ‘paused’.

Once auto-save is turned on, it will analyse your spending and saving patterns in your TMRW Everyday Account to identify money you might not be using and save them to your City of TMRW.

You will need between 3–4 months of transaction activity in your TMRW Everyday Account before auto-save starts saving money for you.

You will receive a push notification and an email whenever auto-save starts saving money for you. Turn on push notifications in your UOB TMRW app to receive timely updates.

Yes. However, you will need between 3–4 months of transaction activity in your TMRW Everyday Account before auto-save starts saving money for you.

Yes, you will receive a push notification and an email whenever auto-save starts saving money for you. Turn on push notifications in your UOB TMRW app to receive timely updates.

  1. Swipe to the TMRW Savings Account card and tap on ‘City of TMRW’.
  2. Tap on ‘Auto-save’ in the top-right corner to view how much money you have saved for the month.

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.

  1. Swipe to the TMRW Savings Account card and tap on your account.
  2. Tap on ‘Transactions’.
  3. Look out for “auto-save” in your transaction details history, or search for “auto-save” in the search bar to view all your savings activity that is specific to auto-save.

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on “Auto-save” in the top-right corner.
  4. Tap on ‘Settings’.
  5. Tap on the edit icon to change your monthly savings limit.
  6. Enter an amount and tap on ‘Save changes’ to confirm.

You may change your monthly savings limit at any time.

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on ‘Auto-save’ in the top-right corner.
  4. Tap on ‘Settings’.
  5. Tap on the edit icon to change your minimum TMRW Everyday Account balance.
  6. Enter an amount and tap on ‘Save changes’ to confirm.

You may change your minimum TMRW Everyday Account balance at any time.

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on ‘Auto-save’ in the top-right corner.
  4. Tap on ‘Settings’.
  5. Tap on the edit icon to change your auto-save status.
  6. Select the number of days you would like to pause auto-save for and tap on ‘Save changes’ to confirm.

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on ‘Auto-save’ in the top-right corner.
  4. Tap on ‘Settings’.
  5. Tap on the edit icon to resume auto-save.

You may resume auto-save at any time when it is paused.

Yes. Simply:

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on ‘Withdraw’.
  4. Enter the amount you wish to withdraw and tap ‘Next’.
  5. Review your details before you swipe to confirm.

Yes. Simply:

  1. Swipe to the TMRW Savings Account card.
  2. Tap on ‘City of TMRW’.
  3. Tap on ‘Top up’.
  4. Enter the amount you wish to top up and tap ‘Next’.
  5. Review your details before you swipe to confirm.

Yes. Whatever amount of money auto-save helps to save will contribute to levelling up your City of TMRW.

No. Auto-save will not use up your City of TMRW daily top-up limit.

Auto-save analyses your spending and saving patterns in your TMRW Everyday Account to identify money you might not be using and save them to your City of TMRW.

Auto-save will automatically adjust the amount saved if there is a change in your spending and saving patterns.

TMRW Credit Card

What is a TMRW Credit Card?
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It's a credit card that's designed to suit your lifestyle. You'll have the freedom to choose how you want to control your spendings and the flexibility to maximise the cashbacks you earned.

See more information here!

The minimum eligibility requirements for opening a TMRW Account are:

  1. Age: You should be 21 years and above.
  2. Nationality: You are a Indonesian national and you are not born in the US or a US resident.
  3. Income: If you are applying for a TMRW Account only, there is no minimum income required. However, if you are interested in applying for a TMRW Account and TMRW Credit Card, then you are required to have a minimum income of Rp 4.000.000,00 (4 Million Rupiah)

The annual fee is Rp 300.000 per year. Don't worry, it's free for the first year.

Unfortunately, you may not. We do not have such offer. Please contact out live chat agent for more inquiries.

It's 2% per month or 24% per year.

The minimum payment for your TMRW Credit Card is 10% of total billing statement amount + instalment or minimum Rp 50.000 which ever higher.

Unfortunately, you may not. We do not offer supplementary cards for TMRW Credit Cards.

The replacement for a lost or damaged TMRW Credit Card will be at Rp 50.000 per request.

Ini buat Anda para pecinta cashback!

Dapatkan cashback 6% saat Anda melakukan 2 kali pembayaran tagihan dan 2 kali transaksi QR dengan TMRW Everyday Account melalui channel digital (Aplikasi UOB TMRW atau UOB Personal Internet Banking) dalam bulan yang sama. Anda juga bisa memilih 3 kategori favorit Anda untuk mendapatkan cashback 6% di bulan berikutnya.

Secara default, Anda juga akan mendapatkan:

  • Cashback 1% untuk makan, supermarket & minimart, dan transportasi.
  • 0,2% cashback untuk semua kategori lain.

Simple. Just use your UOB TMRW App to set your spending limit of your TMRW Credit Card, which may be as high as your total credit limit or cash advance limit. The limit of your TMRW Credit Card control your spend made on:

  1. Online transactions
  2. Retail spendings
  3. ATM Cash Advance withdrawals

Yes. You may convert your unbilled transactions on your current statement into an instalment plan.

You may choose to convert your purchase into 3, 6 and 12-months tenors instalment plan at a competitive interest rate. You can choose up to 5 unbilled transactions with minimum amount of Rp 500.000 per request.

Yes. You are still required to pay the minimum amount to avoid any extra fees.

Simply download and view your eStatements conveniently via the UOB TMRW app, anytime, anywhere.

TMRW Power Saver

What is TMRW Power Saver?
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TMRW Power Saver is a fixed deposit product that is available only in the UOB TMRW app.

Simple! Just log in to the UOB TMRW app and tap on the TMRW Power Saver card. You can start to make a deposit once your TMRW Power Saver is opened.

The minimum amount required for a TMRW Power Saver deposit is Rp.8.000.000 (eight million rupiah).

You can choose from six tenures: 1,3,4,5,9 and 12 months.

You earn attractive interest rates when you save with TMRW Power Saver. The interest rates may change from time to time. You can find the current rate on here

Yes, you can apply for TMRW Power Saver anytime, anywhere via your UOB TMRW app. Your TMRW Power Saver account will be opened immediately during working hours from Mon-Fri 8am-7pm (WIB). If you apply during non-working hours, you will see your account by the next business day.

Once your TMRW Power Saver Account is opened, you can make a deposit anytime, anywhere via your UOB TMRW app.

If you make a deposit during working hours (Mon - Fri 8.30am - 9.30pm WIB), it will be shown in your TMRW Power Saver account immediately.

If you make a deposit during non-working hours (e.g. at night, on a weekend or on a public holiday), we will process your request and your deposit will show in your TMRW Power Saver account on the next business day.

If you have made a deposit during working hours (Mon - Fri 8am - 7pm WIB), your deposit transaction will show immediately.

If you had made the deposit during non-working hours (e.g. at night, on a weekend or public holiday), we will process your request immediately and set aside the deposit amount from your TMRW Everyday or TMRW Savings account. Your balance will reflect this. Your deposit transaction will be visible as 'FD placement' on the next working day.

There are three ways to continue or renew your TMRW Power Saver:

  1. Renew both your deposit and interest
  2. Renew your deposit only
  3. Not renew - your deposit and interest will be transferred back to your TMRW Everyday / Savings account.

You can select your option when you make a deposit, or change your options.

You can make as many deposits as you want in your TMRW Power Saver account.

Simple! Just log in to your UOB TMRW app and tap on TMRW Power Saver. You can see all your transaction details.

You can do so by tapping into your TMRW Power Saver dashboard card and tap on the 'pencil' icon on your TMRW Power Saver placement. You will see the option to either edit your renewal instruction or perform an early withdrawal.

However, you can do so only during working hours from Monday-Friday at 8am-7pm (WIB) and at least 7 calendar days before your term end date.

No, we do not charge you any penalty for early withdrawal. However, you will get only your deposit amount back.

Yes, there is maximum of Rp. 500,000,000 per deposit.

Account Closure

How do I close my TMRW Account?
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We are sorry to see you go. Could our live chat agent assist you to solve your problems before closing your account?

However, if you do not require further help, please initiate a chat session with us to assist you or go to a UOB branch near you.

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