UOB Debit MasterCard

  • Your all-in-one ATM card and Debit Card Like Cash. Only Better.

     

Overview

The UOB Debit MasterCard is more than a global ATM card. Now you need not worry about carrying cash around as you can pay for your purchases, just like a credit card at all MasterCard merchants and still be in charge of your finances. At the same time, you also earn a minimum of 0.3% in SMART$ Rebates that can be used to offset your future purchases. With so many advantages, you have more reasons to own a UOB Debit MasterCard today.

Benefits

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Convenience of accessing cash anytime, anywhere

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Contactless Payment Feature

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Security with Peace of Mind

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  • On top of accessing your deposit account at any one of UOB branches, your UOB Debit MasterCard is acceptable at more than 300 HOUSe ATM Network. HOUSe network is a shared ATM network between HSBC Bank Malaysia Berhad, OCBC Bank (Malaysia) Berhad, Standard Chartered Bank Malaysia Berhad and United Overseas Bank (Malaysia) Bhd. You can check your balances and withdraw cash at a minimal charge*
  • You may also check your balances and withdraw cash from over 10,000 MEPS Shared ATM Network. Transaction fees are applicable to cash withdrawal*.
  • UOB Debit MasterCard is also your global ATM card. While travelling internationally, there is no need to worry about not having local currencies as you can access cash from more than 1 million ATMs in over 210 countries bearing the MasterCard, Maestro and Cirrus logo*.
  • If you are travelling in Singapore, Indonesia or Thailand, look out for UOB Regional ATM network*, you can check your balances and withdraw cash at any UOB ATMs in these countries.
  • MasterCard Cash Access** allows you to withdraw cash at selected merchants’ cashier counters when you perform a retail transaction of at least RM1 on your UOB Debit MasterCard.

    Fees and Charges apply.
    ** The minimum & maximum cash withdrawal per transaction is RM10 and RM300 respectively. Maximum transaction per day is up to RM1,000. The denomination of notes withdrawn is determined by the cashier and the card member must ensure that the cash handled to him/her is correct.

 

  • UOB Debit MasterCard has the contactless functionality that lets you make everyday purchases quickly and safely by tapping on reader device which comes with the universal contactless symbol. It is easier than ever, and it’s faster than fumbling with cash.
  • Contactless payment does not require PIN for any transactions up to RM250. For transaction above RM250, you will need to enter your PIN to complete the transaction.
  • Every time you perform contactless payments with cumulative of RM250 or 20 times consecutively, you will be required to make a contact transaction to reset the cumulative contactless amount and number of contactless payment. Any contact transaction performed in between contactless payments, the cumulative contactless amount and number of contactless payment will be reset to zero.
  • You may adjust the cumulative contactless transaction limit or deactivate this feature, by visiting any UOB branches in Malaysia.
  • If you wish to change SMS transaction alert threshold amount, you may visit any UOB branches in Malaysia or click here to download form.

 

 

  • With your UOB Debit MasterCard, there is no need to carry more cash around as it allows you to make purchases without cash.
  • Furthermore, all payment made on purchases requires PIN verification, which is more secured than signature verification.
  • You are able to verify your MyDebit transactions instantly by login to UOB Personal Internet Banking
  • You will be liable for PIN-based unauthorized transactions, if you have:
    • acted fraudulently
    • delayed in notifying us as soon as reasonably practicable after having discovered the loss or unauthorized use of your debit card;
    • voluntarily disclosed your PIN to another person; or
    • recorded your PIN on the debit card, or on anything kept in close proximity with your debit card and could be lost or stolen with your debit card.
  • You will be liable for unauthorized transactions which require signature verification or with contactless card, if you have:
    • acted fraudulently;
    • delayed in notifying us as soon as reasonably practicable after having discovered the loss or unauthorized use of your debit card;
    • left your debit card or an item containing your debit card unattended in places visible and accessible to others; or
    • voluntarily allowed another person to use your debit card.
  • Click here to know more about how to safeguard your card and PIN.
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Better Financial Control

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Exclusive Discounts All Year Round

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UOB SMART$

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  • Gives you greater control over your spending as purchases are drawn directly from your UOB Savings or Current Account
  • Therefore, you can spend within your means
  • All purchases are reflected in your monthly bank statement, allowing you to manage your expenses wisely

 

Your UOB Debit MasterCard would now enable you to enjoy exclusive discounts, promotions and privileges offered by participating merchants, ranging from dining to shopping to travelling and many more.

 

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Worldwide Acceptance and Recognition

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Ease of making payments

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Debit Card Transaction Limit

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Apart from a global ATM card, your UOB Debit MasterCard is also accepted and recognized at more than 25 million MasterCard merchants around the world, giving you unparalleled payment flexibility and convenience wherever you are.

 

The UOB Debit MasterCard is an ATM Card that allows you to perform interbank ATM funds transfer with other MEPS member banks. Whether it is interbank funds transfer to current and savings account, interbank loan repayment, or interbank credit card repayment, you can do it all at any MEPS Shared ATM Network using UOB Debit Card.

 

Type of Transactions Limit Generic card Privilege card Junior card
 Point-Of-Sales (POS) transaction    Default limit RM3,000 RM15,000 RM3,000
Daily limit RM3,000 RM15,000 RM3,000
Monthly limit RM15,000 RM15,000 RM3,000
   Online Purchase  Default limit RM2,000 RM15,000 RM500
Daily limit RM2,000 RM15,000 RM500
Monthly limit RM15,000 RM15,000 RM500
Type of Transactions Limit Generic card Privilege card Junior card
Proprietary Transactions
ATM Cash Withdrawal
MEPS Cash Withdrawal
Regional ATM Withdrawal
3rd Party CASA Transfer (Intrabank)
Mobile Prepaid Reload
MEPS Mobile Prepaid Reload 
Default limit RM 10,000 RM 10,000  RM500 
Max limit RM 10,000 RM 10,000 RM500
 

MEPS Fund Transfer Transactions
Instant Transfer
(Interbank Fund Transfer)

  • Current/Saving Account Fund Transfer
  • Credit Card Payment
  • Loan Repayment
 
Default limit RM 10,000 RM 10,000  RM500 
Max limit RM 30,000 RM 30,000 RM500

 

Transfer Day Transfer Time Funds Availability** Funds Availability**
Monday to Friday
(Business Days)
Before 5.00 a.m. Same Business Day By 11.00 a.m.
  5.01 a.m. to 8.00 a.m.   By 2.00 p.m.
  8.01 a.m. to 11.00 a.m.   By 5.00 p.m.
  11.01 a.m. to 2.00 p.m.   By 8.20 p.m.
  2.01 p.m. to 5.00 p.m.   By 11.00 p.m.
  After 5.00 p.m. Next Business Day By 11.00 a.m.
Saturday, Sunday, and Federal
Territory Public Holidays
(Non-Business Days)
Anytime Next Business Day By 11.00 a.m.

** Under normal circumstances

  • For unsuccessful IBG Funds Transfer initiated by 11.00 a.m., the sender will receive the returned funds on the Same Business Day by 11.00 p.m. under normal circumstances
  • For unsuccessful IBG Funds Transfer initiated after 11.00 a.m. and Non-Business Days, the sender will receive the returned funds on the Next Business Day by 11.00 a.m. under normal circumstances.

 

Banking Services

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UOB 121 Phone Banking Service

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UOB Personal Internet Banking

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UOB PayOnline

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Speak to our UOB 121 officers or be guided by a friendly automated voice response system, 24 hours a day, 7 days a week from anywhere to access your UOB Saving and Current Account.

 

Kuala Lumpur

+6 03-26128 121

Penang

+6 04-2401 121

Johor Bahru

+6 07-2881 121

Kuching

+6 082-287 121

Kota Kinabalu

+6 088-477 121

 

UOB Personal Internet Banking puts you in charge of your banking by giving you the freedom to bank at your preferred time. Open 24 hours a day 7 days a week, 365 days a year, you can manage your finances anytime, anywhere. With a wide range of services like account enquiry, fixed deposit placement to UniRinggit redemption, you can be assured of the total convenience of online banking. Access your account balance anytime, transfer funds, purchase demand draft and many more. Click here to logon now or click here to find out on how you can register.

 

UOB PayOnline offers you a consolidated payment solution and the convenience of paying multiple bills anytime, anywhere. All you need to do is log on to www.payonline.com.my to pay your utility and phone bills, insurance premiums, college fees and housing assessments with our growing number of service providers.

 

Pin & Pay

 

The new UOB Debit MasterCard is now PIN enabled and consist of contactless payment feature which that lets you make everyday purchases quickly and safely with just a tap on contactless terminal with the universal contactless symbol.
As part of nationwide banking initiative to replace your signature for payment transaction authorization with PIN, you will be required to enter your PIN to make card payment at any point-of-sale terminal in Malaysia with effective from 1 July 2017.

How to get your new UOB Debit MasterCard?
We have sent your new UOB Debit MasterCard to you by batches since December 2015 till October 2016.

How to activate my new UOB Debit MasterCard?
You can activate your new UOB Debit MasterCard methods as below:

 

 

 

OR

 

 

 

OR

Key in UOBACD<space>NRIC/
Passport No.<space>Debit
Card's last 4 digits.

Send to 33310.
Go to any UOB ATM in
Malaysia, insert your existing
Debit Card and follow the
instruction on screen.
Visit any UOB branch in Malaysia
and speak to our customer service
officer.

 

General Information

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Foreign Currency Transactions

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Lost or Stolen Cards

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Protecting your Debit MasterCard

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The exchange rate between the Transaction Currency and the Billing Currency used for processing International Transactions is a rate selected by MasterCard International. Rates may vary from the rate MasterCard receives from wholesale currency markets or the government-mandated rate-in-effect for the date of such posting and may be subject to adjustment by the Bank at its absolute discretion.

 

In the event your UOB Debit MasterCard is lost or stolen, please call UOB121 to report your lost or stolen card or if you are traveling abroad, you can contact the MasterCard Global Service at 1-800-80-4594 or call collect to United States at 1-314-542-7111.

Note: Telephone numbers are subject to change without prior notice. Please refer to our corporate website for updated phone numbers.

 

Do

  • Always keep your receipts and use them to check entries with account statements regularly.
  • Always memorize your PIN, and then destroy the PIN notification.
  • Always keep your card clean.
  • Always keep your card in a safe/secured place.
  • Always change your PIN periodically.
  • Always report immediately to your bank if your UOB Debit MasterCard is lost/stolen or your balance is incorrect.

    Note: You will assume no liability for unauthorised transaction(s) if you report your lost or missing card immediately.

Do Not

  • Do not allow a third party to transact on your behalf.
  • Do not throw your receipts away immediately after a transaction.
  • Do not keep your PIN:

    • in the same place as your card, address book or diary.

    • in your wallet, purse or in an unlocked drawer.

  • Do not leave your card in your briefcase, car or office drawer.
  • Do not place your card close to heat and direct sunlight or magnetic device i.e. TV, radio and etc).
  • Do not let magnetic strips of 2 cards come in contact.
  • Do not use the UOB Debit MasterCard if you see any unusual or suspicious apparatus attached to the machine.

 

  • UOB Contactless Transaction FAQ
  • UOB Debit MasterCard Terms & Conditions : ENG | BM
  • UOB Debit MasterCard Product Disclosure Sheet : ENG | BM