บริการ ยูโอบี รีวอร์ด+บริการ UOB Rewards+

UOB Cash Advance is an exclusive service for UOB credit cardholders that enables you to instantly convert your available cash advance limit into ready-to-use cash or transfer it directly to your savings account. No approval is required, no additional documentation is needed, and transactions can be conveniently completed via the UOB TMRW app, any nearby ATM, or a UOB branch.

Use when necessary and pay back full amount on time to avoid 16% interest rate
*Terms & Conditions Apply

Benefits

Instant Cash Availability

Instant Cash Availability

Convert your available cash advance limit into ready-to-use cash instantly.

Flexible Payment

Flexible Payment

Choose to repay in full or make minimum payments. No fixed installment plans required.

Withdraw Anytime, Anywhere

Withdraw Anytime, Anywhere

No documents needed. Make transactions anytime via the UOB TMRW app, any ATM or a nearby branch.

Receive rewards up to THB 15,990*​

Receive rewards up to THB 15,990*​

Simply perform cash advance transactions using your UOB Credit Card via ATM/ UOB Bank branches/ UOB TMRW application

Offer 1: Receive cashback up to 10,000 THB/ card/ month

Cardmember Types Accumulated Cash Advance
Amount/card/month		 Receive Cashback
Cardmembers who have no cash withdrawal transactions using any UOB credit card (including primary and supplementary cards) during 1 October 2025 – 31 December 2025 Every THB 20,000 THB 400
Cardmembers who have made cash withdrawal transactions using any UOB credit card (whether primary or supplementary cards) during 1 October 2025 – 31 December 2025 THB 200

Offer 2: Receive 1 Superior Silver Luggage 20” when accumulated Cash Advance amount reaches THB 69,999/ card (same card as Offer 1)/ month

When perform cash advance transaction via UOB credit card per program terms and condition during 1 January 2026 – 31 March 2026. The transaction date will be based on the bank’s system (Transaction Date). Cardmembers must register for the campaign in every month they perform transactions via Rewards+ on the UOB TMRW app (free of charge) or via SMS by typing CASH followed by a space and the last 12 digits of the credit card number, then send to 4545111 (e.g., CASH 754011249999) (SMS charges apply as per your mobile package) to be eligible for rewards for that month. Cardmembers will receive a confirmation SMS with the link after successful registration.

Use when necessary and pay back full amount on time to avoid 16% interest rate
*Terms & Conditions Apply

Learn More

Apply Cash Advance via UOB TMRW App

How to Apply for Cash Advance

UOB TMRW Application

UOB TMRW Application

Select "Get cash loan", then select "Choose flexible payments"

ATM

ATM

Insert your UOB credit card into any ATM, select "Cash Withdrawal", choose "Credit Card" as the account type, enter your PIN, specify the amount, and confirm the transaction.

UOB Bank Branches

UOB Bank Branches

Conveniently visit any UOB branch.

Steps to enroll Cash Advance via UOB TMRW App

กด Sub-Menu UOB PayAnything ที่ปรากฏบนหน้าจอ

1. Log in to the UOB TMRW app, go to the home menu, and select “Get cash loan” on the desired credit card.

กรอกรายละเอียดเจ้าของบัตรฯ บัญชีปลายทาง จำนวนเงินที่ชำระ

2. Choose the withdrawal type “flexible payments"

ตรวจสอบและยืนยันทำรายการ

3. Select the destination account and enter the withdrawal amount.

รอระบบยืนยันแจ้งข้อความ ส่งข้อมูลทำรายการสำเร็จ

4. Review the details and swipe to confirm the transaction.

เมื่อรายการโอนเงินสำเร็จภายใน 3 วันทำการ ธนาคารจะแจ้งผลทาง SMS ให้ลูกค้า

5. Transaction completed successfully.

How to set Card PIN for your UOB Credit Card

กด Sub-Menu UOB PayAnything ที่ปรากฏบนหน้าจอ

1. Open the UOB TMRW app and go to your UOB credit card screen.

กรอกรายละเอียดเจ้าของบัตรฯ บัญชีปลายทาง จำนวนเงินที่ชำระ

2. Select “Set Card PIN ” from the Services tab.

ตรวจสอบและยืนยันทำรายการ

3. Enter your new 4-digit cash withdrawal PIN and confirm it.

รอระบบยืนยันแจ้งข้อความ ส่งข้อมูลทำรายการสำเร็จ

4. Enter your 6-digit Secure PIN to verify. Your new PIN is now ready to use.

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Terms and Conditions of Product

Definitions
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  1. “Member” refers to UOB credit cardholders, including both primary and supplementary cardholders, excluding corporate credit cards.
  2. “Available Cash Advance Limit” refers to the remaining credit limit that the member can use for cash advance transactions at any given time.
  3. “Statement Cycle Date” refers to the date on which the bank summarises the credit card spending for the billing cycle.
  1. The UOB Cash Advance service allows members to convert their available cash advance limit into immediate cash or transfer it into their deposit account.
  2. Members can access the service through channels designated by the bank, such as ATM, UOB TMRW application, or UOB branches.
  3. UOB credit cards allow cash withdrawals of up to 100% of the credit limit, subject to payment history, card membership duration, remaining cash withdrawal limit, and the bank’s assessment criteria, which may vary for each cardholder or card type.
  4. Once the cash advance transaction is approved and processed, the member is deemed to have received the funds from the bank. The transaction will be recorded as a credit card usage.
  5. The member agrees to repay either the full amount or the minimum payment, along with the applicable cash advance fee, value-added tax (VAT), and interest, as determined by the bank. Such transactions cannot be canceled or exempted from fees, VAT, or interest.
  6. In the event of default, the bank reserves the right to charge penalty interest at the rate prescribed by applicable laws and take legal action or report to credit bureaus as deemed appropriate.
  7. The bank reserves the right to amend the terms, fees, and interest rates with prior notice. Members can check the latest information on the bank’s website.
  8. Using this service constitutes the member’s acknowledgment and acceptance of all terms and conditions stated herein.
  9. These terms and conditions may be translated into English language. In case of any inconsistency or discrepancy between Thai and English versions, Thai version shall prevail.
  1. The bank charges a cash advance fee at the following rates:
    3% of the transaction amount (general rate)
    1% for UOB Simple credit cards for the transaction via ATM channel
    Plus 7% value-added tax (VAT) on the calculated fee
  2. Interest on cash advance transactions is charged at 16% per annum, calculated daily from the transaction date until one day before the full repayment date or the statement cycle date, whichever comes first.
  3. The method of interest calculation follows the bank’s guidelines. You can learn more at: https://www.uob.co.th/personal/credit-cards/interest-rates/calculate.page

Frequently Asked Questions

What is the UOB Cash Advance Service?
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UOB Cash Advance is an exclusive service for UOB credit cardholders that enables you to instantly convert your available cash advance limit into ready-to-use cash or transfer it directly to your savings account. No approval is required, no additional documentation is needed, and transactions can be conveniently completed via the UOB TMRW app, any nearby ATM, or a UOB branch.

It depends on the channel you choose to make the transaction. You can only transfer funds to an account under your own name.

  1. If you enroll Cash Advance via the UOB TMRW app, you can only transfer funds to only UOB deposit account.
  2. If you withdraw cash at a UOB branch or make the transaction directly with a bank officer, you can transfer the Cash Advance to any bank account.

You can withdraw up to the maximum amount of your available cash advance credit limit on your UOB credit card.

You can use any type of UOB credit card, both primary and supplementary cards, except for corporate credit cards.

If you make the transaction via the UOB TMRW app or an ATM, you will receive the funds immediately after confirming and successfully completing the transaction.
If you make the transaction at a UOB branch or directly with a bank officer, the funds will be transferred to your account within 3 business days.

Each cash advance transaction is subject to the following fees and charges:

  • 3% of the transaction amount (regular rate)
  • 1% for UOB Simple credit cards for the transaction via ATM channel
  • Plus 7% value-added tax (VAT) on the calculated fee

The bank calculates interest on a daily basis, starting from the date of the cash advance transaction until one day before the full repayment date or the statement cycle date—whichever comes first. The interest rate is 16% per annum.

Yes, you can repay your UOB Cash Advance amount at any time through the UOB TMRW app, auto-debit service, any UOB branch, or other available payment channels. For more details on payment methods, please visit:https://www.uob.co.th/personal/service/payment-channel.page

The transaction amount must not exceed your available cash advance credit limit. Additionally, the eligibility and cash advance limit for each member or each credit card may vary depending on the bank’s internal criteria.

Once you have confirmed the transaction and the bank has successfully processed it, you will not be able to cancel it or request a waiver of any fees, value-added tax (VAT), or interest charges.

Your transaction will be listed as “CASH ADVANCE”, and the cash advance fee including 7% value-added tax (VAT) will appear as “CASH ADVANCE FEE WITH VAT 7%” on your UOB credit card statement. For example

CASH ADVANCE BKK                                  100,000
CASH ADVANCE FEE WITH VAT 7%           3,210

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