UOB’s SWIFT code is UOVBSGSG, and your wire fee depends on whether you send online or manually, and from which account
A client asks for your UOB SWIFT code so they can pay an invoice. The code is UOVBSGSG, and it’s the same for personal and business accounts. UOB’s fee for an online wire is currently a flat S$15 on some business accounts and a percentage-based commission on others. The rules for manual wires change on 1 November 2026.
| Question | Short Answer |
|---|---|
| What is UOB’s SWIFT code? | UOVBSGSG (8 characters); UOVBSGSGXXX is the 11-character form |
| What address do I give a sender for UOB? | United Overseas Bank Limited, 80 Raffles Place, Singapore 048624 |
| What is UOB’s bank code (not the same as SWIFT)? | 7375, used for local transfers, never for an overseas wire |
| How long is a UOB account number? | 10 digits |
| How much does UOB charge to send a wire online (eBusiness or BizTransact)? | S$15 flat, cable charges included, until 31 December 2027 |
| How much does UOB charge to send a wire online (BizGlobal)? | US$11 flat, same promotion and end date |
| How much does UOB charge to receive a wire? | S$10 or equivalent per inward remittance, plus agent charges if any; waived on BizGlobal |
SWIFT code and fees checked against UOB’s own pages, October 2026. Bank fee schedules change; confirm the current rate with UOB before a large transfer.
The code is the same for every UOB account and costs nothing to use. What you pay to send depends on the fee schedule for your account type, plus any fees the intermediary banks deduct from the payment before it arrives.
Table of Contents
- What Is the UOB SWIFT Code?
- Is the UOB SWIFT Code the Same for All Branches?
- How to Find Your UOB SWIFT Code
- UOB Bank Code vs Branch Code vs SWIFT Code
- Does UOB Have Different SWIFT Codes for Its Overseas Banks?
- How Much Does UOB Charge to Send Money Overseas?
- How to Send Money Overseas From a UOB Business Account
- How to Receive Money From Overseas Into a UOB Account
- What Happens If You Use the Wrong UOB SWIFT Code?
- How YouBiz Compares for Overseas Payments
- FAQs
- UOB SWIFT Code and Wire Costs in Summary
What Is the UOB SWIFT Code?
UOVBSGSG is United Overseas Bank’s SWIFT code in Singapore, and it’s what you give anyone sending money to your UOB account from overseas. UOB’s own telegraphic transfer page names it as the SWIFT BIC for UOB Singapore, and UOB’s payments and transactions page gives the beneficiary bank address as United Overseas Bank Limited, 80 Raffles Place, Singapore 048624.
SWIFT and BIC are two names for the same thing. SWIFT is the messaging network banks use to talk to each other about payments. BIC, or Bank Identifier Code, is the formal name for the code the network assigns each bank. A form that asks for either one wants UOVBSGSG.
Is the UOB SWIFT Code 11 Characters?
UOB publishes the 8-character form, UOVBSGSG, but some sender forms insist on 11 characters. Under SWIFT’s standard convention, XXX is the default ending that stands for the primary office, so those forms take UOVBSGSGXXX. UOB Malaysia writes its own code the same way, as UOVBMYKLXXX, on its remittance page. The code breaks down as UOVB for the bank, SG for Singapore and SG for the location, and the optional three-character ending identifies a branch.
Is the UOB SWIFT Code the Same for All Branches?
Yes: when you’re receiving money, use UOVBSGSG whichever branch holds your account. UOB only gives senders that one code and doesn’t ask them for a branch.
Third-party SWIFT directories list branch-level SWIFT codes (the 11-character versions with a branch ending), because the global SWIFT registry allows them. UOB doesn’t give these to senders, so a code from an aggregator site isn’t the one to use. If a payer insists on a specific variant, ask them where they found it before changing anything.
How to Find Your UOB SWIFT Code
You don’t need to look it up, because UOVBSGSG applies to every UOB account in Singapore. Three ways to confirm it anyway:
- Check UOB’s own payments page
UOB publishes the code next to the instruction for senders, which is the version to trust over an aggregator site.
- Check your UOB Infinity credit advices
UOB’s telegraphic transfer page says credit advices for incoming transfers can be downloaded from UOB Infinity, so a payment that has already landed is on record there.
- Ask the sending bank to confirm what they entered
If a payment bounces, the code they typed is the first thing to compare against
UOVBSGSG.
For any other Singapore bank, our general SWIFT/BIC guide shows how to find its code.
UOB Bank Code vs Branch Code vs SWIFT Code
A SWIFT code identifies the bank for an international payment, while UOB’s bank code identifies the same bank for a local one. The two aren’t interchangeable, even though forms often ask for “the UOB code” without saying which.
| Code | What it identifies | UOB value | When you use it |
|---|---|---|---|
| SWIFT/BIC code | The bank, for international payments | UOVBSGSG | Overseas wires |
| Bank code | The bank, for local payments | 7375 | Local GIRO and FAST transfers |
| Branch code | A specific UOB branch | Looked up from the first 3 digits of your account number | Older IBG payments and collections |
| Account number | Your specific account | 10 digits | Both local and overseas |
UOB’s own ACH guide explains how to find the branch code: take the first three digits of the account number and look them up in the guide’s Appendix A. For example, an account starting 910 maps to branch code 030, and an account starting 101 maps to 001. UOB’s guide says this lookup is for the older IBG payment process. Under the newer FAST/GIRO service, only OCBC, HSBC and SBI accounts need the branch code appended.
Using 7375 on an overseas wire form will get it rejected, since the receiving bank expects a SWIFT code and not a domestic identifier.
A SWIFT code is not an IBAN. A SWIFT code identifies a bank, and an IBAN identifies an account. UOB’s instructions for incoming payments ask for the SWIFT BIC, the beneficiary’s full name as per bank records and the account number. Its page asks for an IBAN only when you’re paying a beneficiary in Europe or the UK.
The general SWIFT/BIC guide linked earlier covers that difference in more depth, and the same bank-code confusion comes up with DBS and POSB and OCBC.
Does UOB Have Different SWIFT Codes for Its Overseas Banks?
Yes. UOB’s overseas subsidiaries are separate banks, and each has its own SWIFT code that differs from Singapore’s.
| Entity | SWIFT code | Notes |
|---|---|---|
| United Overseas Bank Limited, Singapore | UOVBSGSG | The one covered throughout this article |
| United Overseas Bank (Malaysia) Berhad | UOVBMYKL | Listed by UOB Malaysia as UOVBMYKLXXX on its own remittance page |
Searches that name Selangor districts such as Cheras, Kota Damansara or Damansara Uptown point at UOB Malaysia, which has branches there, not Singapore, so the Singapore code doesn’t apply to them.
UOB’s subsidiaries in Indonesia, Thailand and China also have their own codes, and not every code starts with UOVB: PT Bank UOB Indonesia, for one, is BBIJIDJA in UOB’s group network list. Get the exact code from the recipient’s invoice or their bank, and don’t assume it matches the Singapore code.
How Much Does UOB Charge to Send Money Overseas?
UOB charges a flat S$15 for online wires from eBusiness and BizTransact accounts until 31 December 2027, and a commission on other methods. UOB’s own fee pages list a promotional flat fee for online wires and a commission-based schedule for everything else.
| How you send | UOB’s fee |
|---|---|
| Online via UOB Infinity or the UOB SME app, from an eBusiness or BizTransact account | S$15 flat, cable charges included, from 1 June 2026 to 31 December 2027 |
| Same route, from a BizGlobal account | US$11 flat, same dates |
| Online, standard schedule, from an SGD account | 1/16% commission (min S$10, max S$100), plus cable and agent charges if any |
| Manual submission, from an SGD account | 1/8% commission (min S$10, max S$100), plus cable and agent charges if any; from 1 November 2026, UOB adds S$40 cable and/or agent charges |
| Online, from a Global Currency Account without FX | 1/16% commission (min S$10, max S$240), plus cable and agent charges if any |
| Manual submission, from a Global Currency Account without FX | 1/8% commission; from 1 November 2026, min S$35, max S$300, plus S$40 cable and/or agent charges |
A worked example: a S$20,000 wire on the standard online schedule carries a 1/16% commission of S$12.50. The same wire submitted manually from an SGD account carries S$25 commission plus the S$40 cable charge from 1 November 2026, so S$65 before any agent charges. On the promotional route it’s S$15 flat.
That makes the promotional online wire the cheapest of UOB’s listed options, but the S$15 covers only UOB’s own charge. Intermediary banks can still deduct fees, and UOB’s exchange rate adds a cost when the payment is converted. To compare options, check how much the recipient actually receives.
Other fees to know about: amending or cancelling a telegraphic transfer costs S$30, and tracing one costs S$20. Both come plus any cable, agent and out-of-pocket charges. An outgoing SGD MEPS payment costs S$20 per transaction. UOB’s fee page directs queries to 1800 226 6121.
Who Pays the Charges: BEN, SHA or OUR?
You choose who pays on each wire, using one of three UOB charge codes.
BEN: The beneficiary bears all bank charges, deducted from the amount they receive.SHA: You pay UOB’s fees, and the beneficiary bears the intermediary and beneficiary-bank charges.OUR: You pay all charges so the beneficiary receives the full amount. UOB notes that this option can cost more than the others, and it isn’t liable if a correspondent or the beneficiary’s bank doesn’t follow the charge instruction. UOB’s telegraphic transfer page saysOURlets the payment go through in full, and for USD payments it asks you to mark the instruction/FULLPAY/as well.
How to Send Money Overseas From a UOB Business Account
Send it through UOB Infinity or the UOB SME app for the promotional fee, or submit a manual form at the standard rate. UOB’s telegraphic transfer page lists what every instruction needs.
To send money overseas from a UOB business account:
- Enter your own name, address and account number as the remitter.
- Choose the currency and amount.
- Enter the beneficiary bank’s name, address and SWIFT code (or routing code), plus the intermediary bank if there is one.
- Enter the beneficiary’s full name and account number, or IBAN for a European or UK beneficiary.
- State a clear, specific payment purpose. UOB warns that a vague one can get the payment rejected.
- Select a charge code (
BEN,SHAorOUR) and submit.
Beneficiaries generally receive the funds within 1 to 5 business days, depending on the country and the beneficiary’s bank. UOB says an MT103 copy is available for retrieval in UOB Infinity once the payment is processed, which gives you proof of payment to send to the recipient. Outgoing INR and PHP wires are subject to a minimum of S$200 or equivalent.
If this is your company’s first overseas payment, what business remittance covers is worth reading before you pick a method. Our telegraphic transfer guide explains what the wire fee stack looks like at any bank.
How to Receive Money From Overseas Into a UOB Account
Give the sender your full account name as it appears in UOB’s records, your 10-digit UOB account number, UOVBSGSG and UOB’s bank name and address. For SGD payments, UOB’s instruction to senders is to pay to “UOB Singapore (SWIFT BIC: UOVBSGSG)”. For foreign currencies, the sender pays through UOB Singapore’s nostro agent for that currency, a correspondent bank that holds UOB’s account in the currency.
UOB’s business inward remittance fee page lists S$10 or equivalent plus agent charges, if any, for crediting a UOB account holder, and UOB’s BizGlobal page lists a waiver of inward telegraphic transfer fees. Check your own account’s schedule before quoting a net amount to a client.
For USD payments specifically, UOB’s payments page notes a US$5 deduction made by the USD agent bank, not by UOB, which doesn’t appear on UOB’s credit advice. Intermediary banks can deduct their own fees on top of UOB’s. A client may send the full invoiced amount and you can still receive less, because the agent bank takes its fee on the way.
A UOB business account can handle USD through a foreign currency account. UOB’s business options include the Global Currency Account and the BizGlobal account, and BizGlobal’s own page advertises interest on USD deposits.
What Happens If You Use the Wrong UOB SWIFT Code?
A wrong SWIFT code usually means the payment is returned or delayed, and any fees already charged are still deducted. With UOB, the most likely mistake is using the Malaysia code instead of the Singapore one, because UOVBMYKL points to a different registered bank. Sending to the wrong one can mean a return, a delay or funds landing somewhere that isn’t your account.
Our general guide to what happens with a wrong SWIFT code covers the mechanics. If a payment involves Malaysia or another UOB subsidiary, confirm the exact entity name on the invoice before you send.
How YouBiz Compares for Overseas Payments
UOB’s promotional S$15 wire is a low flat fee, so compare the amount the recipient receives. A UOB wire adds UOB’s exchange rate and any agent charges to that S$15. YouBiz sends in 20 currencies with no FX fees at wholesale rates, to recipients in over 150 countries. That keeps the exchange rate close to the mid-market rate (the midpoint between the buy and sell rates), without the markup a bank’s own rate can carry.
You don’t have to close your UOB account to use it. Keep UOB for local banking and for receiving payments from clients who already have your UOB details. Use YouBiz for overseas supplier and payroll transfers, because those payments are frequent and the exchange-rate markup and intermediary charges add up with each one. Our guide to paying overseas suppliers from Singapore compares the full set of methods, not just the bank wire.
If you’re also weighing UOB’s business card, UOB Business Card vs YouBiz compares the two, and our roundup of multi-currency business cards lists the alternatives side by side.
FAQs
UOB’s SWIFT code is UOVBSGSG. The 11-character version, UOVBSGSGXXX, means the same thing.
Yes. UOB Singapore’s SWIFT code is UOVBSGSG, and UOB Malaysia has its own, UOVBMYKL.
UOB’s bank code is 7375, used for local transfers, not overseas wires. The branch code is looked up from the first three digits of your account number using UOB’s ACH guide.
No. A SWIFT code identifies a bank, while an IBAN identifies a specific account. UOB’s incoming-payment instructions ask for the SWIFT BIC, the beneficiary’s full name and the account number, and it asks for an IBAN only when you’re paying a European or UK beneficiary.
Yes, for receiving money: UOB gives senders only UOVBSGSG, so use it whichever branch holds the account.
S$15 flat online from an eBusiness or BizTransact account, or US$11 from a BizGlobal account, until 31 December 2027. Other sending methods follow the commission schedule above, plus agent charges where they apply.
UOB says beneficiaries generally receive the funds within 1 to 5 business days, depending on the country and the beneficiary’s bank.
Yes, through a foreign currency account such as UOB’s Global Currency account or BizGlobal. A USD agent bank may deduct US$5 before the money reaches UOB, which UOB’s credit advice won’t show.
It depends on the total landed amount. YouBiz sends in 20 currencies with no FX fees at wholesale rates, which removes the exchange-rate margin a bank wire adds on top of its flat fee.
UOB SWIFT Code and Wire Costs in Summary
UOVBSGSG is the code for overseas wires and 7375 is the code for local transfers, and neither changes. If your business sends money overseas often, the fees and the exchange-rate margin add up with every payment, so it’s worth comparing how you send.
YouBiz is one business account and corporate card built for that job. Send in 20 currencies at wholesale rates with no FX fee. Hold and get paid in 8 currencies, and spend with real 0% FX plus 1% cashback, all at S$0 a month. Sign up at you.co/biz in under 5 minutes via Singpass, with approval in 1–2 business days.
