United Overseas Bank（uob.com.my）在 OK.one 的综合评分为 1.3 分（满分 5 分），基于本站收录的 143 条用户评价，属于金钱与保险分类，口碑较差。87% 的评价为 1 星，差评比例偏高；商家尚未回复差评；近 12 个月新增 15 条。数据最后更新于 2026-10-25。
As a uob lady card, for the first 3 months was delivered as promised but after 3 months, it reflected otherwise. The rewards are starting to slow down. I only received my rewards after a month which is unacceptable but overall, everything that uob has promised, they are delivered. if it can be improved, i will be giving a 5 stars
EVERYTIME I CALL CUSTOMER SERVICE,I CAN'T GET TO SPEAK TO CUSTOMER SERVICE OFFICER.I'VE TO WAIT FOR MORE THAN 5 MINITS,STILL CAN'T GET THROUGH.
If you are an expat or Singaporean working overseas/ having long holiday etc. Terminate your UOB account totally. They deduct money here and there with no explanation. Only when you confront and call them, they will say is a mistake and refund the money. After a few months, it happens again. It happen to me every few months. I am a Singaporean, working in Europe, they have zero customer service for overseas customer and take weeks to reply to email even when money is deducted strangely from the account. 1. Alot of things you have to do face to face at their bank personally. I understand some things are confidential but how are we suppose to be at any of their branch if we are working overseas? Or residing overseas? 2. You can’t bank safely with UOB. You have to constantly check your account for weird transactions / deductions and notify them about it. 3. Unless you are Singaporean and constantly have the time to go directly to the bank, is alright. Overall, I would not recommend UOB for those who are working overseas like me or have to travel out of town frequently. As they do not have quick follow ups on urgent matter. From closing an account to urgent payment. They take weeks to reply which is pointless.
THEY PROMISED TO SEND YOU EMAILS BUT THEY NEVER DO IT, I'VE BEEN WAITING FOR MY EMAILS FOR WEEKS. I'VE BEEN CALLING THEM 4 TIMES ALREADY AND EVERYTIME I CALL I HAVE TO SPEAK TO ANOTHER NEWBIE WHO HAS NO IDEA WHAT HAPPENED AND I HAVE TO SPEND ANOTHER 10 MINS OF MY LIFE EXPLAINING EVERYTHING OVER AGAIN
Lousy Customer Service for not able to waive Late Charges! Disappointed with their services!
I have the worst experience with UOB compared with other banks. Lousy customer service beyond any words can explain. I applied for Cashplus loan from UOB online on 26 Jun 2020. Never did i expect that nobody actually bother to return any calls to update me on my application status, whether my documents are complete or not or how long does it take for a normal application to go through, instead I have to call everyday to get myself updated. Each time I call, I speak to different staff over the phone. Along the way, i highlighted my concerns that I need the funds urgently. Each time the staff will tell me, yes its been highlighted and the relevant department is aware that it is urgent... blah blah blah.... Up till today, i have yet to get any response from UOB whether my application has been approved or not. Please bear in mind that there has to be a reason why customer request to expedite an application or customer says he or she needs the funds urgently. Please try to understand the predicament of the customer. Otherwise the customer wont call everyday begging for her request to be attended to.
UOB is the worst bank in the world! Here is the issue. I opened an account at UOB in 2015, which was used for asking a banker's guarantee from them. In 2019, my old passport (which is the ID that I am applying for my first account) got expired, and I got a new one with different passport number. Now I am applying a second banker's guarantee, with the deadline June 28, 2020, I understand that I need to update my passport information, but they told me that the only way to do it is to bring my old&new passport to their branch and do it face to face. I am now in U.S.A., and all the oversea flights are turned down. So update my passport information physically in UOB branch face to face, seriously?? UOB is worst, they treat money much more important than human being's life. I just cannot believe that they require me to update my passport information physically in their branch face to face. They are devils!
Dear Sirs and Madams, We are a client who has the account in your bank. We'd like to ask you one thing. We would like to carry out L/C transfer business through your bank. However, we received the following provisions: ** LC Transfer commission* - 0.5% on amount transferred subject to a min of USD 5,000 Could you please tell me the exact definition of this condition? 1) Does it mean your bank needs to withdraw USD 5,000 from the applicant's account per one case of L/C transfer ? 2) Does it mean you're withdrawing 0.5 % on transferred amount from the applicant's account ? 3) Does it mean that you withdraw $5, 000 at once, again 0.5% as a tranferr commission, and so withdrawing twice? 4) Does it mean that you can withdraw USD 5,000 or 0.5% on amount transferred,, whichever is higher ? Even the trade department we inquired about seems to be confused about the exact meaning. We expect a direct answer from one of the responsible directors who will define the exact meaning. Best Regards
UOB really got a lousy system & explanation platform. During covid19, they don’t have a clear explanation about how the loan payment progress. They don’t ever let us know how to do if wanna continue make the loan payment. Every webpage we try to find out are bad & cant ever see what we want. Really bad, bad & bad. As a bank, why don’t make your system better & easy for the customer. What tat hell the management do their work on the system. Hopeless, hopeless & hopeless. Due to no e statement, I got no choice to cancel the credit card too. Cause always getting penalty due to forgot follow the payment. E STATEMENT is the important mail for us to follow up all incoming statement. But they don’t ever want to update their system, just tell you remember to paid. UOB totally don’t want to filter the customer complaint & just continue with the lousy system they use. Hopeless again...
I satisfied with the service and will continue my monthly payment.
Very poor experience with UOB. The agent and call center tell the different benefits thing for a card. They're not honest. Beware to apply for credit card with this bank!!!!!!
Gave my personal details to AIA and no respect on customer’s privacy! Liaise with AIA, let them call to the customer to sell insurance, never agreed to buy but still automatically charged twice in the latest statement without sending SMS or notify customer. I felt using the credit card of this company is putting me on risk of getting charged at anytime. Worst credit card experience ever! And the agent able to activate my another two UOB credit cards without my permission.
Applied for the ONE Account and credit card on 11/12/2019. Received information that One Account has been set up on 03/01/2020. ONE credit card was approved on 13/01/2020 after calling UOB numerous times (at least 6 times). They have been giving excuses that they are still processing it. After spoken to the Manager, Steve on 09/01/2020, he told me that actually it was not even processed yet but he will do it ASAP. It was then approved on 13/01/2020. UOB has promised to deliver the card by courier service on 14/01/2020 from 7-10pm but it did NOT arrive. Called UOB and the reason was lost in the mail ?!??? This is the first time I come across “lost in the mail” for courier service. Promised to deliver the card (2nd card) again by courier service on 15/01/2020 from 2-6pm. My mother had to stay at home to wait for the card since I am working. Again the card did NOT arrive. Call them and their excuse was the courier service messed it up. Promised to deliver again on 15/01/2020 before 9pm. Yes, after the 3rd attempt, it arrived at 9:10pm. BUT the card CANNOT be activated as the 2nd card was NOT registered in their system yet. Totally disappointed with UOB !!! One of the Top Banks in Singapore and you are making so many mistakes with just a bank & credit card application. You actually need more than 1 month to get a bank account & credit card set up. I am very sure that I am NOT the only person that has issues with UOB. Please UOB for goodness sake, buck up and put in more effort !!!
WORST and MOST UNETHICAL BANK I have seen in my life! My mother set up an account in UOB for her housing loan and shortly her client advisor Tracy Ong Chew Hui (she set up my mum’s account, she knows the money in the bank are meant to pay for the house) from UOB persistently approach her to do investment on a bond! My mum does not know English and we do not have much financial and investment knowledge, especially on bonds. This Tracy Ong Chew Hui brought her colleague Joseph Low and they misrepresented the bond and lied that this bond is special, with no maturity date, no transaction fee and no commission. She said my mum can sell the bond any time she wants, earn interest and not lose any money, since no fees. My mother trusted her and bought the bond. In the end, turns out to be a fraud and my mum’s hard earned money were lost!! My mum feedback this to UOB and instead of helping my mum, the Senior Head of Customer Care and Advocacy Gary Tan Thian Chai irresponsibly and defensively wrote a letter TWISTING FACTS that Tracy Ong Chew Hui said my mum is the one who said the money were spare cash, told Tracy Ong that she wants to find avenues to earn higher interest rate. The letter also states that Tracy Ong Chew Hui isn’t aware my mum need the money soon to pay for the house and said Tracy Ong Chew Hui did explained the transaction fee. WHICH IN FACT ARE NOT TRUE!!!! Gary Tan Thian Chai then use the standard documents for the transaction to blindly rebut my mum and said the bank will not pay any responsibility for this. This is how UOB and its employees treat customers!!!! Be careful everyone in setting up an account and putting your hard earned money in this bank!!!! There are lots of unethical and unprofessional conman in UOB who will find all means and ways to lie to you and cheat your hard earned money away to earn their commissions and meet their sales targets! Even UOB’s customer care will go against you when you are the victim from their fraud!! Very disappointed!!! I will give 0 star if there is this option!!!!!!!
Very poor experience with UOB. Often, there are problems with internet banking so you cannot select an account to transfer out of. Whenever there is a problem, customer service are hard to get hold of and unhelpful. Do not recommend.
Please address this asap. I applied for UOB ONE Account and ONE Credit Card online on 27 November 2018 and went down to Raffles City Branch on 11 December 2018 to submit further documents to Service Manager Gary LEE Jun Rui. There has been no update after 2 weeks until I called the hotline today that UOB informed me that no Debit Card has been issued even my account with SGD1k deposit has been opened on 11 December 2018 (and asked me to go down to branch again to get it). There was no instruction on internet banking as well. To make the matter worse, when being asked about the status of my credit card application, the staff told me my credit card application was not successful and lied to me about sending SMS (I didn't receive any) and then changed his words to say that a letter will be sent out in 5-7 working days [1st lie]. When asked at the branch whether my documents were sufficient to get the card in 1 week, a staff of card department said yes and promised me that I could receive the credit card soon [2nd lie]. Even though I have been holding credit cards of HSBC (Advanced), AMEX (Cash Back), SCB (Cash Back), DBS (Altitude - cancelled) and Citi (PremierMiles) with NO SINGLE MISS OR LATE PAYMENT in the PAST 4 YEARS, UOB decided to reject my application with no update, telling me lies (not one but two), not willing to reach out to address any concerns and provide no reasons for the decision. Please look into how you treat new customer, how you manage communications, whether IT system is working, whether you're encouraging staff to tell lies, and whether your assessment of credit facilities is correct.
Absolutely terrible service at the Novena branch....Had to wait for 1H40 mins just to get my ID updated and just got it back after yelling at the bank manager about how terrible the service was. The bank teller literally left to make some copies of our ids and then left....in front of us for lunch!!! Don't put your money in this bank.
Exactly like all the other bad reviews, all the points mentioned are true. Bad service, solely target orientated, high requirements etc.... apply for credit card （I am holding a previledge accoount) took forever, and they ask you all sorts of redundnt questions all over again when I already have a credit card with them in another account. I am planning to close all my accounts with them and go for another bank. I cannot see any advantage in choosing this bank over any other, in fact, they are all offering better deals.
If i cd give zero stars i wd but ... I applied to uob as a privelege customer as i had sm cash i wanted to deposit and then invest. An RM contacted me which was good but things went downhill from there. As i also hv an RM at DBS i cd feel the difference straight away. I wd say its the difference between a national and local bank. As i went thru my research for decision making UOB started to fall short. The RM was too clearly only interested in her targets and not so focused on building a relationship of trust first. Maybe because she is too young n inexperienced. She made an appt to meet n deliver the online password/token but bailed out!!! And her "reason" was she had another cust to attend to..gosh!! Talk abt relnp building!! Further on a transaction that shd hv been handled as a privelege customer wasnt and total time taken for the transaction to happen was 2 hours!!!@@@@@@ Yes. Thats what u get even as a privelege customer.... reallyyyy disappointing. Plus they converse over your head in mandarin as they go abt their work even while theyre serving u. The height of insensitivity n rudeness. Aiyah singapore like that how to be world class... unless the world is defined as only chinese!! Very parochial. You dont feel you are the customer ... u feel they are the one you need to feel obliged to when they serve you. Anyone have a better experience with other banks? I think i will close this account soon. Pity, since I spent so much time creating relnp with the RM so she cd understand my needs and assist me in my investments ..waste my time. Urggghh.
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