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Cancellation UOB: Easy Method
What is Uob
Overview
United Overseas Bank (UOB) is a Singapore-based bank offering retail and business banking, cards, investments and digital services.
Services include credit cards, deposit accounts, digital apps (UOB TMRW), and investment platforms such as UOBAM Robo-Invest.
How UOB delivers services
Some paid services and value‑added plans are sold directly by UOB; others (for example in-app subscriptions) are sold through Apple App Store or Google Play.
Cancellation and refund rules can differ depending on where you purchased the subscription or product.
How to cancel Uob
Cancel subscriptions bought via app stores
- If you purchased a subscription through Apple App Store, cancel in App Store: Manage App Subscriptions.
- If you purchased through Google Play, cancel in the Google Play app: Subscriptions.
- Note: Subscriptions purchased via these stores must be cancelled through those stores; UOB cannot directly cancel those purchases for you.
Cancel UOB credit cards and direct services
- Credit card via UOB TMRW app: Accounts → select card → Services → Cancel card (not allowed if it is your last card).
- Alternative cancellation: contact UOB hotline, send a secure message through UOB channels, or visit a UOB branch to cancel.
- For other direct UOB subscriptions, follow the cancellation path shown in the service’s terms or contact UOB customer support for instructions.
What happens when you cancel
Access and service end
When you cancel a subscription, access to the paid features typically stops at the end of the current billing period unless stated otherwise.
For app-store subscriptions, cancellation stops future renewals but may leave access until the subscription period bought through the store expires.
Account and data handling
For credit card closure, your card account will be closed after outstanding balances and charges are cleared.
UOB retains transaction and account records as required by law; check product terms or ask UOB how long specific data is retained.
Will I get a refund?
Direct yearly subscriptions (sold by UOB)
- UOB offers a 30‑day money‑back guarantee on yearly subscriptions sold directly: full refund if cancelled within 30 calendar days of the first payment.
- This applies only to direct UOB subscriptions, not to purchases made via app stores.
App store purchases and credit cards
- No refunds are provided by UOB for subscriptions purchased via Apple iTunes Store or Google Play Store - refunds must be sought from those stores.
- Credit card: annual fees and other fees are generally non-refundable on card termination.
- If a credit balance exists on a card account at termination, contact UOB (for example via hotline) to request repayment; refunds of balances are at UOB’s discretion.
Uob plans and pricing
Pricing table
| Plan | Price | Period | Features |
|---|---|---|---|
| UOB eBusiness Account (Business Banking) | SGD 35.00 | annual | Minimum initial deposit SGD 1,000; minimum ADB SGD 5,000; fall‑below fee SGD 15/month (waived first 12 months); FAST/PayNow and GIRO rebates; UOB Infinity access |
| UOB Corporate Current Account (Business Banking) | SGD 35.00 | annual | Minimum initial deposit SGD 1,000; minimum ADB SGD 10,000; fall‑below fee SGD 35/month |
| UOB BizTransact Account (Business Banking) | SGD 0.00 | annual | Minimum initial deposit SGD 1,000; minimum ADB SGD 50,000; fall‑below fee SGD 50/month (waived first 2 months); high volume FAST/PayNow/GIRO access |
| UOBAM Robo-Invest / Digital Adviser (Investment Service) | 0.8% p.a. for ≤S$25,000; 0.6% p.a. for >S$25,000 | annual | Investment management inclusive of platform fees; prorated and charged quarterly; SEC fees may apply for US-listed ETF sell trades |
| UNI$ Points-to-Miles Conversion (Standard Cardholders) | SGD 25.00 (before 15 Dec 2025), SGD 27.00 (from 15 Dec 2025) | One-time | Points-to-airline-miles conversion fee per transaction; waived for premium cardholders |
Notes on pricing
No standalone app subscription price was found in the verified data; UOB’s mobile and internet banking platforms appear to be provided without a separate subscription charge.
Fees and features are as provided in the verified pricing dataset and may change; check the product terms for the latest details.
Your consumer rights in Singapore
Refund and cancellation rights
- You may cancel certain direct UOB yearly subscriptions within 30 calendar days for a full refund (this does not apply to app-store purchases).
- You may cancel your UOB credit card at any time; fees like annual fees are typically not refundable.
Complaint timelines and escalation
- UOB commits to acknowledging complaints within 2 business days and responding within 5 business days.
- For financial products under the Financial Advisers Act, UOB’s response timeline may extend to within 20 business days.
- If unresolved, escalate to the Financial Industry Disputes Resolution Centre (FIDReC) for eligible disputes up to S$150,000.
Customer experiences
Positive feedback
Customers have reported helpful counter staff and a generally good app user experience in some reviews.
Positive comments note intuitive app design and friendly in‑branch service in audited reviews.
Negative feedback and patterns
Complaints include additional interest charges despite on‑time payments, double charges from app errors, and refusal or slow handling of refunds.
Other issues raised are unwaivable late or annual fees and inconsistent dispute-handling for fraudulent or unauthorised transactions.
Documentation checklist
What to prepare for cancellations
- Account or subscription reference number (credit card number suffix or subscription ID).
- Proof of purchase or billing statements showing charge dates and amounts.
- Identification: NRIC/FIN or passport copy as required by UOB for account actions.
What to prepare for refunds or disputes
- Any correspondence or screenshots of transactions and attempted cancellations.
- Bank statements showing disputed charges and dates.
- Written complaint summary with desired outcome and timeline of events.
Common mistakes
Attempting the wrong cancellation route
Example: trying to cancel an Apple App Store subscription by contacting UOB directly - App Store subscriptions must be cancelled via Apple.
Result: delay or inability to stop auto‑renewal unless cancelled in the store where purchased.
Assuming automatic refunds or fee waivers
Example: expecting annual fees to be refunded after card closure - annual fees are generally non-refundable.
Tip: if a credit balance exists after closure, proactively request a refund from UOB; repayment is at UOB’s discretion.
Comparative recap
Quick comparison
| Service | How to cancel | Refund eligible | Notes |
|---|---|---|---|
| Subscription via Apple App Store | Cancel in App Store → Manage Subscriptions | No (seek refund via Apple) | UOB cannot cancel or refund app-store purchases |
| Subscription via Google Play | Cancel in Google Play app → Subscriptions | No (seek refund via Google) | Store handles billing and refunds |
| Direct yearly subscription (sold by UOB) | Cancel via UOB support or service portal | Yes - full refund if within 30 calendar days | 30‑day money‑back applies to direct sales only |
| UOB credit card | UOB TMRW app (Services → Cancel card), hotline, secure message, or branch | No refund of fees; credit balance may be refunded on request | Cannot cancel last card via TMRW; fees usually non-refundable |
Takeaway
Cancel at the point of sale for app-store purchases; use UOB channels for direct products and cards.
Check the 30‑day guarantee for direct yearly plans and request refunds for any credit balances after card closure.
After cancelling
Follow-up actions
Keep confirmation of cancellation and any reference numbers until billing cycles and refunds (if any) are complete.
Monitor your bank statements for unexpected charges after cancellation and raise disputes promptly.
Where to get more help
For UOB investment platform information, see the UOBAM Robo-Invest page: UOBAM Robo-Invest.
For recent changes to points-to-miles fees, see this summary: UNI$ conversion fee changes.
Address
Mailing address for personal financial services
Robinson Road, P.O Box 1688, Singapore 903338
When to use the address
Use this address for sending documents related to Personal Financial Services - Credit Approval & Support Department, if instructed by UOB.
Confirm any postal submissions with UOB first to ensure correct handling and avoid delays.
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Written by Charmaine Toh
Regulatory watch · 7 years experience
Legal analyst tracking eIDAS, GDPR and electronic delivery regulations for 7 years to make sure every Postclic template is compliant and admissible in court.