United Overseas Bank Reviews 139

My Privilege banking wealth manager: Vincent Wong Zhi Guang

I have been using my UOB one credit card for 5 years in the United Kingdom where I work

on the 26th of February 2026 my card was locked. there was no reason for this and I had no filed any fraudulant use of this card

I contacted my wealth manager on the same day to request for this card to be unlocked

It is now more than 10 working days with numerous emails back and forth. Vincent and UOB request that i use the hotline to credit card team. This costs extra money for overseas calls and this was not my doing.

Today at 9am GMT Vincent informs me over email that 'my card centre colleagues has been calling non stop and they can't reach you for the last few days'

I have since sent Vincent evidence of my call logs that show no calls from UOB at all.

I would like to share my experience as a privilege member of UOB. I find this level of service extremely lacking and I cannot help but allege that there are lies evolving in managing something so simple.

Unlock the card - the customer has not raised a concern and is asking for the card to be unlocked!

I'm extremely disappointed with my experience using my UOB card. Honestly, it has been useless for what I need it for.

I recently tried to use my UOB card to purchase Bitcoin to fund my investment account on the Bitci Stack Asset Platform. This is a legitimate investment activity, yet the transaction was declined multiple times without any clear explanation or how to resolve it.

It's frustrating to have a card that simply doesn't work when you actually need it. I can't recommend using UOB cards for investment related transactions.

Was really disappointed with UOB in solving issues. I have been having problems opening my credit card statement through the uob app. Complaint made. Customer service checked and confirmed the error in their app. Then uob want me to make screenshot of the error. Done. Waited for 2 weeks. Problem Not solved!

Even though I asked the statement to be sent through email. Still got a lot of process and problems. And expect me to be grateful they waived the fee.

UOB SYSTEM SUCKS..

I was inherited by the bank after UOB bought CITI bank premium branch. And this was a nightmare. The bank is in Malaysia, I am not. And the bank, in 2025 not able neither onboard me (they are deliberately reducing the remote capabilities of their clients month by month), they are not even able to communicate properly, as the system only allows their own e-mail, and of course, if I am not yet a client, I don't have one. Surely, I assumed, if the owner of the bank changes, this doesn't influence me, as a client. No so fast. I was blocked out from the accounts. I wasn't able to get hold of my finances. Even when after months of e-mails and calls I came to Malaysia to solve everything, it took me two visits to the country, two weeks apart, and during the first two weeks the bank wasn't able to re-open my accounts! Why? Because nobody gives a s..t. And the department is called: "Privileged banking" I got a cup of coffee, but not access to my money.
For the second visit I came to the bank every day and was sitting in the branch for hours to make sure somebody is doing something on my case. Finally, I got my plastic card. In total it took over a year after the bank takeover, two trips overseas to get access to the accounts, hired a law firm, to get rid of Malaysia My Second Home programme hurdles, unblock the deposits. I think I was really lucky to be able to transfer the money out of the bank without a third visit to Malaysia. So, unless you are 90 years old and have no idea how the modern banks work, avoid the bank and choose something more online oriented and not so archaic.

UOB VietNam: 1 bank working for me the experience could not be worse: Complicated process, bureaucracy, inconsistent email notifications that affect customer time. Will cancel all accounts at UOB and never use.

Not even worth one star. The worst bank I have experienced in Singapore. Card was compromised within 12 hrs after activation when it's not being used at all. Balanced payment in a cancelled card was only refunded after many years when you called, and the reason was the card was cancelled and they don't know how to refund the balance amount. I am not sure if the reason makes sense as I have a UOB bank account. Too many of lousy experience from this bank.

Uob sneakily deducted 10,000 uni$ as annual fee charge. Customers are advised to check their uni$ balance regularly.

I'm very very sad and disappointed about Singapore UOB customers service.
I called up UOB customers service hotline to report a unauthorise transaction on my UOB One Card.
The customer service staff told me she already help me block my card and I will receive my new card on 28/5. But they still allowed the unauthorise transaction amount to go thru and ask me to pay for the unauthorise amount.
I have taken Credit cards from few Bank for more than 10 years and this is the first time I have this bad experience

Super bad service. Secure2u activation got so many problems. Calling the customer service only make it worst. They advise me to uninstall the apps and reinstall and log in back. Following their advise now im not only facing problem with secure2u activation but also got trouble to log in the apps. Not only i waste my telco bill, they also give me another new problem w the apps. Thanks to the customer service. Gonna deactivate my uob account now. SUPER BAD SERVICE.

Even I have use the credit card more than 4 years, still charger the annual fees, request to waive off, rejected and reason is less limit spending per annual. This bank won't recommend to friends and relatives.

UOB require a client to hire a legal representative from their list when discharging a mortgage. The legal representative checks your ID. The client signs a form for redemption of mortgage from client’s account. After completing the form, very late in the process, UOB declined to accept my signature as the one on file (10 years ago) didn’t match! What madness that UOB won’t accept their legal representative’s ID clearance of client. Since then delayed arrival of form (hard copy) at UOB office has led UOB to ask client to sign form again and post directly to UOB. Meanwhile client has spent £1000+ for UOB’s legal representative. Bureaucratic pedantry at its worst. I’m one disgruntled and unhappy client

UOB credit card cannot be linked to iPhone. Unlike other banks I cannot install UOB credit card in my iPhone. I also cannot make payments to apple iCloud using UOB card. This has been the issue the past year and surprisingly UOB customer service unaware of this issue

Apply for UOB credit card to get 20,000 miles. Tried applying online on 1 Sep multiple times and unable to process. Tried calling bank multiple times on 1 Sep and was told not sure why, to apply at branch. Visited SG branch on 2 Sep. Waited 1 hr to be served with only 3 customers in front of me! They took time to process my application in the two weeks that followed. I received my card in mid Sep and charged SGD6K. Was told to wait till Feb 25 to see if I get the miles. End up did not get. Tried my best to get the miles and was penalised because of bank's inefficiency. From Sep 24 to Mar 25, I have charged more than 5 figure to the card. So its time to stop using this lousy bank

Tried calling the Sri Petaling branch on 7/2/25 from 3.00 pm to 3.45 pm for close to x10 times and no one pickup the calls. Then on 10/2/25, gain called this branch from 10.00am to 10.45 am for more than x7 times, again no one pickup the calls. I think this Sri Petaling UOB branch customer service is still sleeping or taking long coffee breaks that's why they don't answer the phone calls. Better change this branch name to UOB coffee break branch. The most rotten service I encountered with UOB. UOB can check it with their HQ phone logs on 10/02/2025 whereby I have to called them instead and ask them to forward my request to the Sri Petaling branch and also a request for that branch to call me back . But even at 11.50 am today, they still haven't call back.

Great JoB and Excellent service from Puan Norabiah in Bukit Mertajam branch

Left me overseas with no money
Card did not work
Automatically rolled my savings over so i cannot access my own money
Useless

They are just appalling. Internet site down. Delays in receiving or transferring money. Hopeless mobile app. Ridiculously complicated security. Crap interest rates.

Came back to Thailand from an overseas trip and had to change overseas phone number back to Thai phone number. With Citibank this was done in a minute over the counter. UOB, which took over from Citibank last year, first made us wait for a good half hour (of 5 counters only two were serving customers). We then insisted to see someone who would change back our phone numbers and what happened was unreal. We were given 2 stacks of stapled pages to fill out with all our details and all tax details of anywhere around the world. We couldn't believe our eyes. Our passpoets were copied and signed. In the end when we made our disbelief known confronted with all that paperwork, the staff called customer services. They in the end did it for us but warned it would take 3 days for the new number to become active.
We are so fed up with this bank! Why use it?!

I was a Citibank Cardmember until UOB acquired the consumer retail including the credit card services close to two years ago. Great card to have for airport lounge in KLIA and secure overseas spending. However, I had heaps of problems with the telebanking service and my instalments, as a result I have totally lost confidence in asking for cash advance.

On 13th November, I paid a substantial sum to settle my remaining expenses and it wasn't posted, although subsequent expenses later that day and on 14th November, were captured. How is that possible? My statement showed more amount owing, called the bank, apparently system problem with posting (HARHAR) and I have to wait for another business day for the payment to be reflected. Why no announcement was made and I had to call up to check the missing payment ?

Come on UOB, I am sure you can do a better job than this ? I was faithful to Citibank for 30 years and I really hate to cut your card in half after such a short tenure.