Dynamic Currency Conversion Fee

  • dynamic-currency-conversiondynamic-currency-conversion

    Spend overseas smartly with UOB Cards


Did you know that when you spend overseas with your UOB Card, you can choose to pay in Malaysian Ringgit (MYR) or in the currency of the country that you are in?


Foreign Currency

where payment is made in the currency of the country you are visiting


Dynamic Currency Conversion (DCC)

where payment is made in Malaysian Ringgit


  Foreign Currency DCC
Payment is made at overseas merchants in Currency of the country you are visiting Malaysian Ringgit
Conversion rate
  • Determined byVisa/MasterCard International
  • Conversion rates are usually LOWER than the rates charged by overseas merchants
  • Determined by overseas merchants
  • Conversion rates are usually HIGHER than Visa/MasterCard International conversion rates
Service fees 1% of transacted amount 0.8%* of transacted amount


* With effect from 1st August 2016, all overseas transactions converted through the DCC service shall be subject to a fee of 0.8% of the converted Malaysian Ringgit transaction amount, being the fee/charge imposed by Visa/MasterCard International on the transaction. Such fee will be reflected in the Cardmember's next monthly Statement of Account.


Enjoy better shopping experiences when you travel with your UOB Card!


For Frequently Asked Questions

Click here


Some overseas countries may require a PIN when you pay with your credit card.

To find out how to create your PIN

Click here

The Payment Process



  • Customer details and transaction information at your fingertips
  • View and edit transactions on the go, whether online or offline
  • Easy-to-understand dashboards for instant business insight

Direct bank feeds for seamless reconciliation

Automatically imports your bank transactions on a daily basis. You can create custom rules to match your bank transactions automatically to invoices, bills and purchases recorded in Micro One, making reconciliation of large numbers of transactions quickly and seamlessly.

Save time and money with automated tax reports

Manage your financial records in real-time with tax reporting included and GST files produced for returns and auditing.

View and edit transactions on the go, whether online or offline

Stay on top of finances and control costs with powerful reporting and consolidated billing. Quickly check aged debtors and credits and drill down into transactions from P&L.

Easy-to-understand dashboards for instant business insight

Visually see what cash is due to go in and out each month based on invoices and bills entered in Micro One to stay on top of your cash flow. Keep an eye on your sales and expenses by displaying key accounts such as sales, advertising and entertainment on your accounts watchlist.