Citi to UOB migration: Frequently asked questions

For security reasons, please note that UOB discontinued the delivery of eStatements in PDF format to your registered email address.

You can now download, access, and retrieve your eStatements generated after 20 July 2025 via UOB TMRW Vietnam app. To access your eStatements securely and conveniently, please register for the UOB TMRW Vietnam app.

Please access go.uob.com/cititouob-en to be updated with the latest changes to your migrated Citi products/ services (if any).

Additionally, we will also promptly notify you of any changes via email/ SMS/ Zalo/…

Please find the list of our branches here.

Please contact UOB Customer Service Hotlines. Please refer details here.

Starting from Migration Date, UOB Terms and Conditions will apply to all products and services. For respective UOB product features, rates, fees and charges, and terms and conditions, please visit UOB website.

Starting from Migration Date, UOB Terms and Conditions will apply to all products and services. For respective UOB product features, rates, fees and charges, and terms and conditions, please visit UOB website.

Starting from Migration Date, your products/services will be fully accessible and manageable under UOB's system which carry UOB's trademarks. 

However, you can continue using your physical Citi Credit Cards and/ or Citi Debit Cards after the migration until you receive your new UOB Credit Cards and/ or UOB Debit Cards. 

You can download UOB TMRW Vietnam via App Store or Google Play. Please note that:

• If you are holding both migrated Citi products and UOB products, you can use UOB TMRW Vietnam to manage your migrated Citi products from 24 July 2025 onwards.
• If you are holding only migrated Citi products, you can use UOB TMRW Vietnam to manage them on 20 July 2025, from 6:00 PM onwards.

If you have UOB TMRW Vietnam username and password, you can continue logging in to UOB TMRW Vietnam to view your migrated products from 24 July 2025.

If you have not registered for UOB TMRW Vietnam, please download app and refer here for instructions.

Please download and launch the UOB TMRW Vietnam, select "Forgot?", and follow on-screen instructions.

You can also refer to the detailed instruction here.

If you are holding only migrated Citi products, you can register for UOB TMRW Vietnam to manage them on 20 July 2025, from 6:00 PM onwards.

Please refer the detailed instructions here.

Please be assured that your Citi products have been successfully migrated to UOB's system on 20 July 2025.

You can download and register for UOB TMRW Vietnam; however, some details of your migrated Citi products may not be displayed on UOB TMRW Vietnam right after migration in some scenarios during the time system syncing up data.

If you have Time Deposit and/or Savings Deposit products, your migrated products details will be visible on UOB TMRW Vietnam on the next working day after you complete your UOB TMRW Vietnam registration.

If you are holding both migrated Citi products and UOB products, you can expect to view and manage your migrated Citi products on UOB TMRW Vietnam from 24 July 2025 onwards. We will notify you as soon as the migrated products are displayed on UOB TMRW Vietnam.

Yes, you can activate your Citi-migrated cards via UOB TMRW Vietnam app. You can also refer to the detailed instruction here.

Yes, you can view and manage all of your Citi-migrated products on UOB TMRW Vietnam on 20 July 2025, from 6:00 PM onwards.

Note: If you are holding both Citi products and UOB products, your Citi-migrated products can only be viewed & managed on UOB TMRW Vietnam from 24 July 2025 onwards.

Currently UOB TMRW Vietnam runs on iOS version 15 above and Android version 10 above.

No, please create new user account and password to log in to UOB TMRW Vietnam.

• For migrated Citi Credit Cards/ Citi Ready Credit/ Ready Credit Installment Plan Account, you can view transaction history of 30 days prior to the Migration Date on UOB TMRW Vietnam.
• For migrated Citi Current Accounts & Deposits and Debit Cards, you cannot view transaction history occurred prior to the Migration Date on UOB TMRW Vietnam.

Your saved payee data will not be transferred. You will have to add your saved payee(s) again via the UOB TMRW Vietnam.

No, please set up new instructions/ recurring transfers on the UOB TMRW Vietnam.

You will no longer be able to use your Citi Mobile App or Citibank Online services on 18 July 2025, from 7:00 PM onwards.

Your previous e-Statements will not be migrated to the UOB TMRW Vietnam. If you would like to keep previous records of your e-Statement, please download all your previous statements prior to 7:00 PM on 18 July 2025.

You will be able to view Rewards points earned, balance and redeem your Rewards points easily via the UOB TMRW Vietnam after the migration. 

Note: Any available Citi Miles/ Cash Back points/ Rewards points earned before the migration will be transferred to UOB where 1 Citi Mile/ Cash Back point/ Rewards point is equivalent to 1 UOB Rewards point with no expiration date. 

On 18 July 2025, from 7:00 PM onwards, you will no longer be able to use your Citi Mobile app or Citibank Online. Please register for the UOB TMRW Vietnam to get access to online banking services.

You can continue using your physical Citi Credit Cards and/or Citi Debit Cards after the migration until you receive your new UOB Credit Cards and/or UOB Debit Cards.

Your existing UOB Credit Card (migrated from Citi Credit Card) privileges and benefits will remain the same after migration. Rest assured that you will be notified in advance prior to any changes being made.

For security reasons, please note that UOB discontinued the delivery of eStatements in PDF format to your registered email address.

You can now download, access, and retrieve your eStatements generated after 20 July 2025 via UOB TMRW Vietnam app. To access your eStatements securely and conveniently, please register for the UOB TMRW Vietnam app.

There will be no changes to your Citi Miles/ Cash Back Points/ Rewards Points. You can continue to earn and redeem your Citi Miles/ Cash Back Points/ Rewards Points as per usual up till the migration.

After migration, your available Citi Miles/ Cash Back Points/ Rewards Points  before migration will be transferred to UOB where 1 Citi Mile/ Cash Back Point/ Rewards Point is equivalent to 1 UOB Rewards Point with no expiration date. You can redeem your UOB Rewards Point via UOB TMRW Vietnam.

From 23 April 2025, we have discontinued receiving new applications for Citi Credit Cards. We apologise for any inconvenience caused.

No, you are not required to cancel your Citi Mastercard Debit Card(s). You can continue to use both your Citi Mastercard Debit Card(s) and UOB NAPAS Debit Card for the time being. Rest assured that you will be notified in advance prior to any changes being made.

You can continue to use your Citi Mastercard Debit Card(s) after the migration until we send the new UOB Debit Cards to you.

You can continue to use your Citi Credit Card(s) after the migration until we send the new UOB Credit Cards to you.

After Migration Date, your available Citi Miles/ Cash Back Points/ Rewards Points  before migration will be transferred to UOB where 1 Citi Mile/ Cash Back Point/ Rewards Point is equivalent to 1 UOB Rewards Point with no expiration date. You can redeem your UOB Rewards Point via UOB TMRW Vietnam.

If you have set up direct debit authorisation on your account for Citi Credit Card/ Citi Ready Credit/ Ready Credit Installment Plan payments, and/or for Insurance products distributed by Citi, after Migration Date, the payments will automatically be debited from your UOB account or credit card transferred from Citi.

You can make payments via the following UOB payment channels:

• UOB TMRW Vietnam
• Direct debit through UOB current account
• Bank transfer from another bank. Please select the Beneficiary Bank as “UOB”, which is United Overseas Bank (Vietnam) Limited

Please refer here for detailed instruction.

No, you don't need to sign any UOB forms or documents. Rest assured that you will be notified in advance prior to any changes being made.

There is no change to the existing Citi PayLite partners until further notice.

Your existing installment plans are not impacted by the migration until further notice.

No, your installment plans remain the same after the migration.

No, your credit score will not be affected by the migration. However, it is important to continue making timely payments on your Credit Card(s) and Citi Ready Credit/ Ready Credit Installment Plan.

Yes, the existing privileges and benefits for UOB Credit Cards (migrated from Citi Credit Cards) at our existing merchants & partners will remains unchanged until further notice.

Your registration to any campaign running through the transition is not impacted by the migration. Please stay connected with us via e-mail, SMS or visit our website to be updated about any change or upcoming new campaigns/offers.

Please ensure you settle your outstanding balance according to the bank statement to avoid additional interest or fee charges or service disruption. If payments are overdue, your Credit Card(s) may be temporarily blocked. Once the payment is received, your card will be reviewed for reactivation.

You can continue to use your Citi Credit Card as usual until a new UOB Credit Card is issued to you at a later date. The outstanding balances will be migrated and you can continue to use the card as per normal.

Please continue to make payment for the outstanding balances to 16-digit UOB Credit Card number(remains unchanged as Citi Credit Card number and is indicated in Statement of Account). For more details on payment channels, please visit Payment Methods page.

There will be changes to Credit Card's Fees and Charges after migration. For more details, kindly visit our "Fees and Charges" & "Terms and Conditions".

Your Citi-migrated Credit Card number will remain the same until further notice.

Your credit card credit limit will remain unchanged after migration.

Yes, all the offers provided by the Bank (for example, annual fee waiver when applying for credit card, etc.) will still remain unchanged after your Citi products are migrated to UOB.

You can request for paper statement via our UOB Contact Center or UOB Branch. Please refer details here.

The Minimum Payment Due of your card will be calculated according to the outstanding balance in your statement. 

• A. When you are not overlimit:
  Current Minimum Due = 5% (Total Payment Due – Instalment Amount Due) + Instalment Amount Due (if any), or VND 50,000 whichever is higher. 
• B. When you are overlimit:
  Current Minimum Due on customer level = 5% of your Credit Line plus any Overlimit amount at Customer level. 
  Then, this current minimum due on customer level will be prorated to each of your account depending on account balance ratio.

Minimum Payment Due = Current Minimum Due + All Past Due (if any) 

Please visit Terms and Conditions of Credit Cards for more information about Minimum Payment Due.

If you have set up direct debit authorisation for Citi Credit Card/ Ready Credit/ Ready Credit Installment Plan payments, and/or Insurance products distributed by Citi, the payments will automatically be debited from your UOB account or Credit Card converted from Citi.

You will be contacted by our bank staff if your statement is eligible for balance conversion with UOB SmartPay (replacing Citi PayLite and Citi FlexiBill Program).

If you wish to register for the service or receive consultation, you may also contact us via our hotline at 1800 599 921.

Dispute request service will be available via:

• Citibank Online and CitiPhone hotline until 18 July 2025.
• Sunwah Branch (Ho Chi Minh City) and Horison Branch (Hanoi) during operating hours. 

From 21 July 2025, you can submit it by contacting our UOB Customer Service hotline or UOB Branch. 

Yes, you can use your Citi debit card as per normal.

However, please note that Citi Debit Card services will be temporarily unavailable to prepare for the migration. Details as follows:

• Cash Withdrawal services via ATMs with Citi Debit Card at domestic and overseas destinations will be temporarily unavailable from 7:00 PM on 17 July 2025 (Thursday) to 6:00 PM on 20 July 2025 (Sunday).
• POS/ Online transaction services by Citi Debit Card at domestic and overseas merchants will be temporarily unavailable from 7:00 PM on 18 July 2025 (Friday) to 6:00 PM on 20 July 2025 (Sunday).

From 6:00 PM on 20 July 2025 (Sunday), Cash Withdrawal via ATM, POS & Online transaction services by Citi Debit Card will resume.

Your existing UOB CashPlus (migrated from Citi Ready Credit account and/or Ready Credit Installment Plan account) benefits will remain the same after migration. Rest assured that you will be notified in advance prior to any changes being made.

For security reasons, please note that UOB discontinued the delivery of eStatements in PDF format to your registered email address.

You can now download, access, and retrieve your eStatements generated after 20 July 2025 via UOB TMRW Vietnam app. To access your eStatements securely and conveniently, please register for the UOB TMRW Vietnam app.

No, there's no need to sign any UOB forms or documents. Rest assured that you will be notified in advance prior to any changes being made.

From 23 April 2025, we have discontinued receiving new applications for Citi Ready Credit/ Citi Ready Credit Installment Plan. We apologise for any inconvenience caused.

If you have set up direct debit authorisation on your account for Citi Credit Card/ Citi Ready Credit/ Ready Credit Installment Plan payments, and/or for Insurance products distributed by Citi, after Migration Date, the payments will automatically be debited from your UOB account or credit card transferred from Citi.

Your Citi Ready Credit/ Ready Credit Installment Plan accounts have been migrated into UOB's system and renamed to "UOB CashPlus" with the same 16-digit account number. There is no change to your instalment loans. Your outstanding balance has been migrated to UOB’s system.

Your Citi Ready Credit/ Ready Credit Installment Plan Account will be migrated into UOB's system with a new name called "UOB CashPlus". Your Citi Ready Credit/ Ready Credit Installment Plan account number will remain the same. You can find your most updated account number in UOB TMRW Vietnam app after the migration. 

Before Migration Date, please make payments via Citi payment channels as usual. Please refer here for detailed instructions.

After Migration Date, please make payments via UOB payment channels: 

• UOB TMRW Vietnam
• Direct debit through UOB current account
• Bank transfer from another bank. Please select the Beneficiary Bank as “UOB”, which is United Overseas Bank (Vietnam) Limited. 

Please refer here for detailed instructions.

After the migration, loan prepayment fee of your loan on Citi Ready Credit/Ready Credit Installment Plan Account (would be migrated to UOB's system and renamed as "UOB CashPlus") shall be updated to 4% of total outstanding balance. Please find detailed Fees and Charges here.

There is an update on Minimum Payment Due calculation method after migration. Please refer to Article 26.2 in UOB CashPlus account Terms and Conditions for more details.

The credit limit of your UOB CashPlus account(s) (migrated  from Citi Ready Credit account and/or Ready Credit Installment Plan account) will be the same after the migration. 

You can request for paper statement via our UOB Contact Center or UOB Branch. Please refer details here.

If you have set up direct debit authorisation for Citi Credit Card/ Ready Credit/ Ready Credit Installment Plan payments, and/or Insurance products distributed by Citi, the payments will automatically be debited from your UOB account or Credit Card converted from Citi.

Your existing arrangement will remain the same. Please track your loan outstanding balance on UOB TMRW Vietnam after the migration. You can make your loan prepayment request through new UOB Customer Service hotlines on 20 July 2025, from 6:00 PM onwards. To ensure smooth processing of your loan prepayment request, please make full prepayment to your loan on respective UOB CashPlus Account (migrated from your Citi Ready Credit/ Ready Credit Installment Plan Account).

You can check your transactions and balances in July 2025 of your migrated Current Accounts and Deposit via 2 channels: 

• For account balances and transactions from 1 July to 18 July 2025: The final banking statement from Citi system sent to your registered email address. 
• For account balances and transactions from 21 July to 31 July 2025: The opening eStatements on UOB TMRW Vietnam app at the beginning of August 2025.

Please download and register UOB TMRW Vietnam app to manage your migrated products with ease. 

If you have any other inquiries for transactions and balances, please contact UOB Customer Service Hotlines or visit the nearest UOB branch for support. Details: go.uob.com/contact-en

Please contact UOB Customer Service Hotlines or visit the nearest UOB branch for support. Details: go.uob.com/contact-en

UOB TMRW Vietnam app currently supports transactions in VND only. You can still view your Foreign Currency Current Account details via this app.

For foreign exchange services, please visit the nearest UOB branch for support. Details: go.uob.com/contact-en

Please be assured that your Citi products have been successfully migrated to UOB's system on 20 July 2025.

You can download and register user for UOB TMRW Vietnam; however, some details of your migrated Citi products may not be displayed on UOB TMRW Vietnam right after migration in some scenarios during the time system syncing up data.

If you have Time Deposits and/or Savings Deposits, these products will be visible on UOB TMRW Vietnam on the next working day, after you complete your UOB TMRW Vietnam registration.

In this case, if you need to check details of your Time Deposits and/ or Savings Deposits, please contact UOB Customer Service Hotlines or visit the nearest UOB branch for support. Please see details here.

On 20 July 2025, from 6:00 PM onwards, your Citi Current Accounts and Deposits have been migrated to UOB's system with new UOB account numbers and account names.

Please note that your Citi Current Accounts and Deposits have been permanently untransactable on 18 July 2025, from 7:00 PM onwards. Hence, please notify your new UOB account numbers to your payment counterparties and use these account numbers for future transactions.

From 23 May 2025, we discontinued receiving new applications for Citi Current Accounts, Citi Deposits and Citi Debit Cards to prepare our system for the migration. We apologise for any inconvenience caused.

From 21 July 2025, you can open UOB Accounts and Deposits at all UOB branches.

Yes, you can still enjoy a fee waiver for outgoing telegraphic transfers via UOB Sunwah branch (Ho Chi Minh City) & UOB Horison branch (Hanoi) until further notice. Rest assured that you will be notified in advance prior to any changes being made.

If you have set up direct debit authorisation on your account for Citi Credit Card/ Ready Credit/ Ready Credit Installment Plan payments, and/or Insurance products distributed by Citi, the payments will automatically be debited from your UOB account converted from Citi.

From 21 Jul 2025, you can request for confirmation letter or reference letter at all UOB branches for your UOB accounts, including your newly migrated accounts from Citi.

After Migration Date, you can request historical paper statement via any UOB branches or our Contact Center.

From 21 Jul 2025 onwards, you can perform transactions at all UOB branches for your UOB accounts, including your newly migrated accounts from Citi.

For security reasons, please note that UOB discontinued the delivery of eStatements in PDF format to your registered email address.

You can now download, access, and retrieve your eStatements generated after 20 July 2025 via UOB TMRW Vietnam app. To access your eStatements securely and conveniently, please register for the UOB TMRW Vietnam app.

Please contact UOB Privilege Banking Hotline (+84) 28 3898 9200 or your Relationship Manager.

From Migration Date, your Segment status will be updated from Citigold to UOB Privilege Banking. As a UOB Privilege Banking customer, you will continue enjoying this annual fee waiver as usual until further notice.

From Migration Date, your Segment status will be updated from Citigold to UOB Privilege Banking. As a UOB Privilege Banking customer, the interest rate of your UOB Accounts & Deposits migrated from Citi will remain unchanged until further notice.

Yes, you will continue to enjoy the benefits until the end of campaign period until further notice.

Yes, your Relationship Manager will continue to service you until further notice.

From Migration Date, your status will be changed to UOB Privilege Banking status, which is equivalent to Citigold status.

From Migration Date, your Segment status will be updated from Citigold to UOB Privilege Banking. As a UOB Privilege Banking customer, you can access to over 40 Privilege Banking Centres across Malaysia, Singapore, Indonesia, Thailand and Vietnam to enjoy the facilities and services. You are encouraged to contact your Relationship Managers to enquire further.

From Migration Date, your Segment status will be updated from Citigold to UOB Privilege Banking. As a UOB Privilege Banking customer, you will continue to enjoy this benefit following your current contract.

From Migration Date, your Segment status will be updated from Citigold to UOB Privilege Banking. As a UOB Privilege Banking customer, you will continue to enjoy this benefit as usual until further notice.

In case you do not update email/ mobile phone number to UOB before Migration Date, you may encounter disruption to the following services after the transition is completed:

1. Continue transacting on your account(s)
2. View your transaction history
3. Single view of your accounts/ products migrated from Citi on UOB’s mobile banking app
4. Receive SMS OTP for online transactions by card
5. Receive card transaction/ balance fluctuation alerts and service disruption notification
6. Receive latest announcements and promotions

In case no update before 18 July 2025, your mobile number(s) and/or email address(es) recorded in UOB’s system will be considered as your default contact details and retained after Migration Date.

If you prefer to change your contact details, please update them via UOB TMRW Vietnam.

Please be assured that your Citi products have been successfully migrated to UOB's system on 20 July 2025.

However, details of your migrated Citi products may not be displayed on UOB TMRW Vietnam immediately as we are in the final stage of updating your product information on UOB TMRW Vietnam. We sincerely apologise for any inconvenience and appreciate your understanding. 

You can expect to view and manage your migrated Citi products on UOB TMRW Vietnam from 24 July 2025 onwards. We will notify you as soon as the migrated products are displayed on UOB TMRW Vietnam.

You can expect to view and manage your migrated Citi products on UOB TMRW Vietnam from 24 July 2025 onwards. We will notify you as soon as the migrated products are displayed on UOB TMRW Vietnam.

As part of the migration of Citi products from Citi's system to UOB's system, all your personal data will be transferred to UOB's system to ensure that your account information, transaction history, and financial details are fully accessible and manageable within UOB’s infrastructure.

As part of the migration of Citi products from Citi's system to UOB's system, the transfer of your data to UOB's system ensures that your account information, transaction history, and financial details are fully accessible and manageable within UOB’s infrastructure. This integration allows UOB to deliver seamless and uninterrupted banking services. This also ensures full compliance with local data protection laws and banking regulations where we apply own security protocols, including encryption and access control measures, which are designed to meet regulatory standards and protect your data in alignment with UOB’s policies.

All customers personal data that we have collected and processed will be transferred. You can also figure out more about what personal data we collect during your business relationship with us in our Privacy Notice.