₽Payments Bible
Local Transfers

How to Transfer via PayNow at UOB

Send money instantly to a mobile number, NRIC/FIN or VPA with PayNow in the UOB TMRW app — no account number needed.

SG flagSingaporeUOB1 min readUpdated 15 Jul 2026

Agent guide. Use these steps to walk the client through the process — the screenshots show exactly what they’ll see on screen.

PayNow lets the client send money instantly to a mobile number, NRIC/FIN or VPA — no bank account number needed. Transfers go through almost instantly in the UOB TMRW app, up to a cumulative S$200,000 daily limit.

Before you start

  • The UOB TMRW app
  • The client's login (or Face ID / Touch ID)
  • The recipient's PayNow-linked mobile number or NRIC/FIN

💡 Tip: The recipient must be registered with PayNow. PayNow shows the recipient's registered name before you confirm — check it matches. There's no fee, and transfers are near-instant up to S$200,000 a day.

Frequently asked questions

What if the recipient isn't on PayNow?

Ask them to link their mobile number or NRIC/FIN to their bank account, or send via FAST using their account number instead.

  1. 1

    Open PayNow

    Log in to UOB TMRW and select "PayNow".

    Open PayNow
  2. 2

    Enter the recipient

    Tap "Mobile" (or NRIC/FIN) and enter the recipient's details.

  3. 3

    Select the debiting account

    Select the account to pay from.

  4. 4

    Confirm

    Confirm the recipient details by swiping right.

  5. 5

    Done

    The transfer is complete.

Reference for assisting clients. Bank screens, steps and limits change often — always confirm the current process with UOB before advising the client.