This is a service that lets you send and receive money from your phone number or Singapore NRIC/FIN.

PayNow was introduced in response to the increased demand from customers to make funds transfer more convenient and efficient. From time to time, government may also disburse payouts through PayNow. Therefore, it is important to register your NRIC on PayNow to receive funds immediately and effortlessly.

Which are the participating PayNow banks?
PayNow is currently offered by 9 banks – Bank of China, Citibank Singapore Limited, DBS Bank/POSB, ICBC, HSBC Bank (Singapore) Limited, Maybank, OCBC Bank, Standard Chartered Bank and United Overseas Bank. More banks may join at a later date.

Yes, PayNow is secure and adopts the same high security standards established by the banking industry in Singapore for funds transfer. Additional transaction signing will be required for ad-hoc PayNow transfers above S$1,000 and up to maximum $5,000.

Senders will be required to add their recipients as registered payees for all transactions above S$5,000. For payees that are added, an additional transaction signing will be required for transactions above S$5,000.

NFI stands for Non-Bank Financial Institutions. They are typically financial service providers providing services such as e-Wallets.

A virtual payment address, or VPA, is an identifier used by the NFIs that can be uniquely mapped to an individual account.

Your VPA will always have the following format:

Grab user: +(Country Code)(mobile number)#GRAB For example, +6591234567#GRAB

Liquid Pay user: +(Country Code)(mobile number)#XNAP For example, +6591234567#XNAP

Singtel Dash user: +(Country Code)(mobile number)#DASH For example, +6591234567#DASH

Bank users can start making fund transfer to participating NFIs via PayNow with VPA.

Currently the participating NFIs for PayNow are Grab, Singtel Dash and Liquid Pay.

This is similar to PayNow, except customer needs to use VPA when making PayNow Fund Transfer to the NFIs instead of NRIC or Mobile Number.

The PayNow fund transfer to NFI using VPA will be almost immediate, similar to normal PayNow fund transfer.

The maximum and minimum amount you may transfer is dependent on each e-wallet’s setting. Please check with the NFI e-wallet provider for more details.

You may transfer funds subject to your daily or monthly withdrawal limits. The default PayNow limit is S$5,000. Senders will be required to add their recipients as registered payees for all transactions above S$5,000.

PayNow is riding on the FAST platform and therefore operates 24/7.

Customers of the 9 participating banks can use PayNow.

You can access PayNow using UOB Personal Internet Banking or UOB TMRW.

No. PayNow only enables funds transfer between participating banks. Funds between a participating and non-participating bank can be transferred via other channels such as FAST or Interbank GIRO.

No. PayNow can only be used for Singapore Dollar funds transfers between participating banks.

The status of your funds transfer is available in the transaction history and can access via UOB Personal Internet Banking or UOB TMRW.

No, there are no charges to use PayNow.

PromptPay is the PayNow equivalent in Thailand where customers can conveniently transfer funds to Thailand via a mobile number. With the partnership between Singapore and Thailand, PayNow and PromptPay users can now easily transfer funds to Thailand mobile number and vice versa.

No, you can only transfer to Thai customers who have registered PromptPay mobile number with participant banks, which are the following;

KBANK – Kasikorn Bank

SCB – Siam Commercial Bank

BBL – Bangkok Bank

KTB – Krungthai Bank

* More thai banks, e.g. UOB Thailand, may participate in this partnership in the future.

Yes, there is a daily transfer limit of SGD1,000 (or THB equivalent).

1) Select “Pay & transfer” on UOB TMRW home page
2) Tap on “PromptPay mobile no. (Thailand)”
3) Key in details such as your receiving Thailand mobile number, amount to transfer and swipe to transfer.

For full step by step guide, click here

Tap on the 'Home' icon on the bottom bar. Then, go to 'PayNow' and choose whether you're transferring money to a phone number, NRIC/FIN or UEN. Tip: you don't need to register for PayNow to send money!

You must register for PayNow and link your phone number or NRIC/FIN to your bank account. Once done, payees can find you with your phone number or NRIC/FIN.

Tap on the 'Home' icon on the bottom bar. Then, go to 'PayNow'. If you're not prompted to register, tap on the 'Register' button on the top right. For full step by step guide, click here

Call us at 1800 222 2121 immediately. If you're overseas, call (65) 6222 2121 instead. We'll investigate and follow up with the recipient's bank to return your money. You may also be advised to lodge a police report to aid the investigation.

Call us at 1800 222 2121 to authorise the return of the money to the sender. If you're overseas, call (65) 6222 2121 instead. You should also lodge a police report and not use the money.

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