Banking for the Digital Generation

TMRW empowers the digital generation with a full suite of banking solutions through a smart, mobile-only app. 

TMRW Account & Credit Card

Apply for both TMRW Account and Credit Card to enjoy:
- 4% p.a. interest on your savings
- Up to 6% cashback on your preferred credit card spend categories. Simply fulfill the qualifying transactions on your TMRW Everyday Account every month

TMRW Account

Comes with a TMRW Debit Card for all your spends and ATM withdrawals. And no fees on any transactions.






TMRW Credit Card

Earn 1% cashback on dining, supermarket & minimart, and transportation spend. All other spends give you 0.2% cashback.





 

Take Control

Enjoy full control over how you spend and save – TMRW helps track your spending and saving patterns to give you better advice and stay one step ahead!
 

Advance reminders and alerts

No more missed payments or important transfers – you will receive friendly reminders, alerts on upcoming payments and transfers!

Analyse and predict your money movements

No more problems with not enough money for bills – TMRW tracks and monitors for you to make sure you don’t overspend and keep enough to take care of your payments.

Smart Saving

Get personalised advice on growing your savings and have fun saving with City of TMRW, Indonesia's only saving game on a banking app.


Your friend loves banking with us, now you can too!!

GET UP TO RP 750.000 GOPAY BALANCE WHEN YOU TOP UP AND SPEND

Rp 250.000

GoPay balance

when you top up Rp 1.000.000 and make at least 2 transactions1 within 7 days of opening your account

+

Rp 500.000

GoPay balance

when you spend Rp 1.000.000 on your TMRW Credit Card2 within 45 days of card approval date

How To Get The Rewards
  • Download TMRW App via the icons below.

  • Ensure that your referral code is filled in before you submit your application. Here’s how.   
    Don't have a referral code? Not to worry, you will still be able to enjoy the rewards!

  • Top up Rp 1.000.000 into your TMRW Everyday Account and make at least 2 of following actions within 7 days of opening your account - top up and bill payment, fund transfer, or spend on your TMRW Debit / Credit Card.
    (Your reward of Rp 250.000 GoPay balance will be sent to the registered phone number of your TMRW account within 5 working days of fulfilling the requirement).

  • Spend Rp 1.000.000 on your TMRW Credit Card within 45 days of card approval date.
    (Your reward of Rp 500.000 GoPay balance will be sent to the registered phone number of your TMRW account within 5 working days of fulfilling the requirement).

DOWNLOAD THE TMRW APP HERE AND
SIGN UP TO ENJOY THE REWARDS

Promotions

Most Customers Ask Us About

You cannot reset your username. If you would like to reset your password, follow these steps:

Do you remember your Secure PIN? If yes, follow these steps:

1. Open your TMRW App and tap on "Forgot Username/Password" on
your Sign In screen.
2. Enter the required details in the following screen.
3. Enter the One-Time Password (OTP) sent to your registered mobile number.
4. Select the option to enter your Secure PIN.
5. Enter your Secure PIN when prompted.
6. In the next screen, your username will be displayed. Proceed to change your password in this screen.
7. Set your new password and click "Next".
8. You can now login with your new password.

If you do not remember Secure PIN, then follow these steps:

Please note that you'll be prompted for your TMRW/UOB card number and ATM PIN.

1. Open your TMRW App and tap on "Forgot Username/Password" on
your Sign In screen.
2. Enter the required details in the following screen.
3. Enter the One-Time Password (OTP) sent to your registered mobile number.
4. Select the option to  use your "TMRW Credit or Debit Card" or "UOB Credit or Debit Card".
5. Enter the respective card and PIN number. If you don't have or forgot your Card PIN, please tap on "Request for PIN" at the bottom of the screen and follow the instruction to ask for a PIN mailer (estimated 7 business days to retrieve your PIN mailer).
6. In the next screen, your username will be displayed.  Proceed to change your password in this screen.
7. Set your new password and click "Next".
8. You can now login with your new password.

The minimum eligibility requirements for opening a TMRW account are: 

Age:  You should be 21 years and above.
Nationality: You are a Indonesian national and you are not born in the US or a US resident.
Income: If you are applying for a TMRW Account only, there is no minimum income required. However, if you are interested in applying for a TMRW Account and TMRW Credit Card, then you are required to have a minimum income of Rp 4.000.000 (4 Million Rupiah).

Yes, you can set separate limits for store and online purchases.

To increase or decrease your spending limits, navigate to your desired card and tap on "Services". Under "Change Limits", tap on "Spending limits". You can change your store and online purchases limits by entering your desired limit amount and select "Confirm". Authenticate this change with your Secure PIN.

Log in to TMRW and tap "Pay Bills" on your main page.

- Go to "Biller Categories" or search the biller name you want to pay.

Check the "Add to Favourites" option if you want the details to be saved for your future payment and swipe to confirm. You can also set recurring payment to your prepaid billers.

For security reasons, we advise you to temporarily block your card following the steps below first: 

Log in to TMRW and navigate to your respective card. Thereafter, tap "Services" and  "Temporarily freeze card use" under "Card Security" and tap "OK".

Thereafter, you can ask to permanently block your card and ask for card replacement, tap "Report lost or stolen card" under "Card Security".

Tap "Forgot Secure PIN" and enter your TMRW Credit Card or TMRW Everyday Account number along with your PIN. Thereafter, authenticate it with One-Time Password (OTP) which will be sent via SMS. 

If all's good, within 3 business days - that's how fast it takes for you to receive your TMRW card via mail, after the application is approved.

Have you been waiting for it for more than 3 days?

If so, perhaps a Live Chat agent can help you better on this. Please log in to TMRW and connect with us!

Please refer to the instructions on the screen in the app.

You will need to verify your identify via a video call with our agent.

If you have applied for our TMRW Credit Card, you will also need to upload your income documents if you have not done so during onboarding.

You can get up to Rp 750.000 GoPay Balance when you save and spend!

Rp 250.000 GoPay balance: Top up a minimum Rp 1.000.000 and perform 2 transaction (exclude transfer to own UOB/ TMRW account, and cash withdrawal/ advance) within 7 days since TMRW Account opening.

Rp 500,000 GoPay balance: Spend Rp 1.000.000 with TMRW Credit Card within 45 days of card approval date.

For further information, visit https://www.tmrwbyuob.com/id/id/sgm.html#reward

You will receive your reward within 5 working days after you have fulfilled terms and conditions applied. Rewards delivered for TMRW Account and TMRW Credit Card will be sent separately according to the applicable terms and conditions. Please make sure the mobile number you use for registering with TMRW is the same number you used for GoJek.


Terms & Conditions:
This promotion cannot be used together with other promotions. 
1 Qualifying transactions can be of any amount, and includes top up & bill payment, fund transfer, or spend on your TMRW Debit / Credit Card. Qualifying transactions excludes bank transfer to own TMRW or UOB account, and cash withdrawal / advance.
2 TMRW Credit Card spend excludes cash advance.
1,2 PT UOB Indonesia staff are not eligible, other internal policy applies.