uob bank statement example

Download an authentic UOB statement

For eligible accounts, sign in to UOB Personal Internet Banking or TMRW and open the eStatement view or download option.

UOB official statement instructions ↗

FAST, GIRO and PayNow are three different rails

FAST transfers settle quickly between participating banks. GIRO arrangements are recurring collections or payments scheduled with an organisation. PayNow addresses a recipient by a mobile number, identification number or business identifier rather than by an account number. All three appear in the same activity list with different descriptions and different timing behaviour.

Identifying the rail tells you whether a payment should have settled the same day, whether it recurs, and what the counterparty field is likely to contain. That makes an unexplained entry much faster to resolve.

GIRO arrangements recur and vary

A GIRO deduction is set up with a billing organisation and repeats on a schedule, with an amount that can change between collections. Listing the active GIRO arrangements once gives you a checklist to run against every subsequent statement: a missing deduction suggests a terminated arrangement, and an unexpected one deserves confirmation.

Match these by payee and expected date rather than by amount, since the amount is the part most likely to differ.

Multi-currency accounts and conversion

Where an account holds more than one currency, each currency has its own balance and its own period activity. They do not aggregate without an explicit conversion decision, and a transaction converted between currencies carries an original amount and a converted amount that will not match.

Keep the currency on every extracted row. A total that adds Singapore dollars to another currency is not a balance.

Card spending and the period boundary

Card purchases post after authorisation, so a purchase near the end of the statement period can fall into the next one. Foreign currency card purchases also carry conversion information that should be captured alongside the settled amount.

Reconcile on the posting dates printed on the statement, and treat the next period's statement as the first place to look for an apparently missing transaction.

Closing the period in Singapore dollars

Per currency, the period's activity must take the opening figure to the closing one. If the document prints a balance per line, follow it downward with your own figure and halt where the two part.

Compare row counts too: errors that cancel each other keep the sum honest while the underlying detail is not.

Requesting UOB statements online

Specify the currency as well as the account when requesting a UOB document. Keep the currency with the file; a multi-currency relationship produces several documents that look alike at a glance.

The issued PDF is the record; the spreadsheet is a working copy.

Three payment rails in this uob bank statement example

Three of these rows are payment rails rather than fields, because on a UOB statement the rail explains the timing.

A UOB period reconciles when:

• Every row carries its currency
• GIRO arrangements were checked against a list from an earlier month
• Foreign currency card purchases kept both the original and converted amounts

Singapore's three rails against a single-rail market

A single-rail market produces a much shorter list, which shows how much Singapore's infrastructure adds. Singapore's banking industry body publishes material at The Association of Banks in Singapore.

Your issued statement works with the Excel converter or the CSV converter; see the extraction guide for detail.

UOB bank statement example: GIRO timing and settlement