Internet Banking Privacy Practices

The United Overseas Bank (Thai) Internet Banking Privacy Practices

The United Overseas Bank (Thai) is committed to maintaining best Privacy Practices to create, as far as possible, a secure Internet banking environment for our customers. We encourage our customers to similarly observe best practices that are within their control as following.
  1. Collection Of Customer Information
    We will use any information collected mainly to assist us in customising and delivering services and products that are of interest to our customers.
  2. Handling Of Customer Information
    We have established strict confidentiality standards for safeguarding information on our customers.
  3. Disclosure Of Customer Information
    Unless we have the customer's agreement or are required by law, we will not disclose customer information to external parties.
  4. Compliance By External Parties
    External parties who, in the course of providing support services to us, may come into contact with customer information, are required to observe our privacy standards.

UOB (Thai) Internet Security Technology
We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions.
We employ several different methods to protect customers' account and personal information :
  1. Firewalls We have multiple levels of firewalls in place between our internal computer systems and the Internet.
  2. Encryption Strong encryption protects customer information as it travels over the Internet. We use Secure Sockets Layer/Transport Layer Security (SSL/TLS) encryption to protect the confidentiality of customers' account details and transaction data. This SSL/TLS encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the high standard in encryption technology commercially available and is generally adopted by banks in Singapore and financial institutions worldwide.
  3. Username and Password Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website (s). This ensures that messages from authorised users only are admitted into our secure site(s).
  4. Security Devices (SecurePlus Token)
    UOB may, from time to time, issue Security Devices and/or establish security procedures that you may need to execute in order to use certain UOB Internet Banking services related to the Devices.
    You may use the Security Devices (SecurePlus Token) to use with the Username and/or Password or otherwise) :
    To access through the UOB Internet Banking service to effect any transaction with UOB which may be made available by UOB, subject to the terms of this Agreement and to other restrictions, limitations, terms and conditions of UOB then applicable
  5. Automatic Log Out
    As an additional security measure, our system may log you out of your Internet banking session after a period of Inactivity We are committed to monitoring our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to exploring new technology continually to enhance our Internet security system.

Security Guidelines
Your Role In Safeguarding Your Personal Data And Account Information You are responsible for keeping your online Password confidential. Failure to do so exposes you to the risks of fraud and loss. The UOB Group will not be responsible for losses suffered by customers as a result of : Input errors or misuse of its Internet banking services;
  • Negligent handling or sharing of Password;
  • Leaving a computer unattended during an online session;
  • Failure to immediately report known incidents of unauthorized account access.

We strongly recommend that you observe the following best privacy and security practices at all times :
  1. Managing Your Username and Password
    • Your Username and Password identify you when you use our Internet banking services. If any of these become invalid or ceases to have effect, it is imperative that you inform us by calling the UOB Call Centre 0-2285-1555 or contact UOB branches for the respective services.
    • Ensure that no one can see your Password when you log in to our system.
    • Ensure that you keep your Password confidential at all times and do not divulge it to anyone.
    • Do not allow anyone (without exception) to use your Username and Password, as you are responsible for all transactions undertaken with your Username and Password.
    • Do not base your Password on your Username or personal information such as your telephone number, birth date or the like.
    • Memorise your Password and do not record it anywhere.
    • Change your Password regularly.
    • Do not use the same character more than twice for your Password.
    • Do not recycle your recently used Password.
    • Change your Password IMMEDIATELY if you suspect that someone knows it.
    • The same Password should not be used for different websites, applications or services particularly when they relate to different entities.
    • Do not select the option on your browser for storing or retaining user name and password.
    Note:No staff members of the UOB Group should ever ask you for your Password for whatsoever reasons.
  2. Use of Security Devices (SecurePlus Token)
    • Do not allow anyone (without exception) to keep, use or tamper with your Security Devices (SecurePlus Token) as you are responsible for all transactions undertaken
    • Do not reveal the One-Time Password (OTP) generated by your Security Devices (SecurePlus Token) to anyone
    • Do not divulge the serial number of your Security Devices (SecurePlus Token)
    • Notify the Bank if your Security Devices (SecurePlus Token) is lost or fails to function as intended
    • Ensure that the Device is kept safely
  3. Take Precautions Against Your Password Keystrokes Being Captured Exercise the necessary precautions to protect your personal computer against viruses and other malicious programs. Aside from damaging and/or destroying data, viruses and malicious programs can capture your Password keystrokes and other personal information and send them to another person without your consent. Precautions that you can take include the following :
    • Ensure that you install an effective personal firewall as well as anti-virus, anti-spyware and anti-Trojan horse software. These should be updated regularly.
    • Do not download any software from a website that is of doubtful origin.
    • Do not open any email or attachment that is from a source unknown to you. When in doubt, delete such email without opening it.
  4. Log In Directly If you wish to access a website belonging to UOB or its subsidiaries or associates, always personally and directly enter the relevant website address in the browser address bar e.g. Do not login via any hyperlink within emails.
  5. Remember To Log Out Always remember to logout of your Internet banking session when you have completed your Internet banking transactions or when you need to walk away from your computer even for just a minute. Do not leave your computer unattended while Internet banking transactions are being processed.
  6. Clear Your Browser's Cache
    Default files on a computer, sometimes called 'cache' files, can retain images of data sent or received over the Internet, making them a potential target for a system intruder. Therefore, we strongly advise that you clear your browser's disk cache after each Internet banking session.
    How To Clear Your Cache

    Internet Explorer (IE)
    • Select 'Tools' from the Menu bar
    • Select 'Internet Options'
    • Select the 'General' tab
    • Click the 'Delete Files' button under delete browser history then check menu that you request to delete
    • Click 'Delete' to confirm
    Google Chrome
    • Select 'setting' from the Menu bar
    • Select 'Clear browsing data' from history on the left menu
    • Check box at Cached images and files then click ‘Clear browsing data’
    • Click '‘Clear browsing data’ again to confirm
    • Select 'Tools' from the Menu bar
    • Select 'Clear recent history’
    • Select menu that you request to delete
    • Click ‘Clear now’ to confirm
  7. Avoid Sharing Personal Computers (PCs) Avoid using shared PCs or public PCs such as those found in cyber cafes to perform Internet banking transactions. If there is a need to do so, always satisfy yourself thoroughly that the PCs are free from viruses and be sure to clear the browser's cache upon completion of your transactions.
  8. Update Your Browsers You should update your browsers and application software to support 128-bit SSL encryption or a higher encryption standard.
  9. Verify The Authenticity Of The UOB Group Internet Banking/Transaction Website(s) We provide a Secure Zone icon (as symbolised by a 'padlock' icon) within our Internet banking/transaction web pages for your verification of its authenticity.
    To verify the authenticity of the UOB Group Internet banking/transaction website(s), look for the Secure Zone icon on the web page, click it, and ensure that 'United Overseas Bank Ltd' is displayed as a part of UOB's VeriSign Secure Server ID from
    There are two ways by which you can verify that you are logging in to a secure web page :
    1. Check that the UOB Group Internet banking/transaction website address changes from http:// to https:// and that a security icon (as symbolised by a lock or key) appears around the address bar. These indicate that the web page that you are online with uses encryption technology. You can double click the security icon to view information pertaining to the security certificate for the web page.
    2. You can also verify that you are in a secure web page by right click the mouse on the web page then select Properties or View Page Info. Result may be vary by the browser that you are using.

  10. Inform Us Immediately Of Suspected Invasion Of Your Privacy Or Of Unauthorised Transactions
    • If you suspect that your privacy has been invaded or that your account(s) has/have been accessed by unauthorised persons, please change your Password immediately and contact us by calling the UOB Call Centre 0-2285-1555 for the respective services. Check your account statements to see if any transaction has been performed without your authorisation. Should there be any unauthorised or unusual transactions, please notify us immediately. You should check your account statements regularly and notify us promptly of any errors.
  11. Email Security
    As information submitted via email is not encrypted during transmission, it is important that you do not give your account or credit card number nor convey any confidential information or banking or other instructions in your enquiries and/or comments.
    If you encounter any suspicious email, passing off as an email from UOB Group, please notify us immediately.
  12. A cookie is a small text file that a website can send to your browser, which may then store it on your system. We use cookies in some of our pages to collect information about users of our website and the information that we collect is then used to ensure a more personalised service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Should you wish to disable the cookies associated with these technologies, you may do so by changing the settings on your browser. However, by doing so, you may not be able to use certain functions or enter certain part(s) of our websites.
  13. Additional Recommended Good Practices To Safeguard Your Online Security
    • Remove file sharing in your computer, especially when you have Internet access via public connection or a similar set-up.
    • Make regular backup of critical data.
    • Consider the use of encryption technology to protect highly sensitive data.
    • Do not install junk software or run programs of unknown origin.
    • Delete junk or chain emails.
    • Do not open email attachments from strangers.
    • Do not disclose personal, financial or credit card information to little-known or suspect websites.
    • Do not use a computer or device which cannot be trusted

Customer Service
At the UOB Thai, we are committed to providing you with responsive customer service. When we receive any customer complaint, our priority is to attend to it as expeditiously as possible. Please contact UOB Call Centre 0-2285-1555

English Version To Prevail
If there are differences in meaning between the English version and any translation of any terms and conditions, the English version shall prevail.

Beware of Android Phone Malware

Beware of Android Phone Malware targeting Credit Card online purchases

There is a new “malicious software” (malware) targeting consumers using Android smartphones, and we would like to remind you to be alert to avoid becoming a victim.

This malware is spread through mobile applications (apps) that are downloaded and installed from unknown sources. Once loaded onto the smartphone, the malware will attempt to deceive you to get your credit card information. Thereafter, the fraudster will use your credit card information to make online purchases, and will intercept the SMS One-Time-Password (OTPs) to your smartphone to complete these online purchases.

The screenshots below are examples of how the smartphone is infected by this malware. Consumers were prompted to perform WhatsApp (or LINE) “application updates” from untrusted sources which resulted in malware being installed on their smartphones.

Thereafter, the malware will trigger a fake system upgrade screen (see screenshot below) to prevent consumer from seeing the SMS OTP (whilst intercepting the SMS OTP) when the fraudster has made fraudulent online purchases.

What can you do to protect yourself from the Malware:
  1. Do not click on any button or hyperlinks from messages and emails if you are unsure of the source.
  2. Do not download apps from random websites as the apps maybe affected with malwares. Only download or install apps from trusted sources (such as the Google Play Store).
  3. Do not jailbreak or remove the software restrictions of your phone’s operating system as it makes your phone more susceptible to malware.
  4. Do not provide payment card information unless you are making a genuine purchase. If you are required to make any payment for Android mobile application, it should be only to trusted sources.
  1. Be wary if a screen on your smartphone suddenly pops up and asks for your confidential information especially if you did not initiate any related activity.
  2. Update the operating system of your phone regularly as these updates contain bug fixes and new features that better secure the phone.
  3. Install reputable anti-malware application from trusted sources. Anti-malware apps would normally be able to detect and remove malware.
  4. Install reputable anti-malware application from trusted sources. Anti-malware apps would normally be able to detect and remove malware.
Report Mobile Malware
Please contact UOB Call Centre 0-2285-1555 immediately if you notice unknown transactions on your banking account.