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Pay a friend with just their mobile number?  Of course you can.

Mobile Phone, Electronics, Phone
Mobile Phone, Electronics, Phone

Pay a friend with just their mobile number?  Of course you can.

Send and receive money with just a mobile number? Of course you can.

With PayNow, you can send and receive money securely and almost instantly using a mobile number or NRIC.  Register for PayNow via the Standard Chartered Mobile Banking app or Online Banking.

Getting Started with PayNow

Sending and receiving money is now easier with PayNow. All you need is a mobile number or NRIC. You can learn more from the videos below.

How to send money using PayNow

With PayNow you can send money securely using a mobile number

How to receive money using PayNow

With PayNow you can receive money securely using a mobile number



  • PayNow is a new service that enables customers of participating banks to send and receive funds almost instantly from one account to another, within the same bank or to other banks using just their mobile number and/or Singapore National Registration Identification Card number (“NRIC”).

  • You can access PayNow using the Standard Chartered Mobile Banking app or Online Banking.

  • Your PayNow registration can be done almost instantly via our Standard Chartered Mobile Banking app or Online Banking. You will see a notification on the screen confirming successful registration. You will also receive an SMS alert on your mobile phone upon successful registration.

  • You can link your mobile number or NRIC to only one of your Standard Chartered current or savings accounts to receive funds via PayNow. However, each account that you have can be linked to more than one mobile number or NRIC. For example, if you have a joint account, both you and your joint account holder can link your respective mobile numbers and NRIC to the joint account.

  • Foreigners (non SG citizen/PR) can only register your mobile number for PayNow with Standard Chartered. We do not support FIN/Passport number registration at this moment.

  • Yes, you can register an international mobile number for PayNow, as long as that mobile number is registered as your primary mobile number in the Bank records. For more details, please call our client care centre at 18007477000.

  • If you delete any one registration type, only the linkage of the account to that particular registration type will be deleted and you will no longer be able to receive funds via PayNow into the account linked with that registration type. Your other registration will however remain unaffected.

  • Yes, you can change your linked account at any time through our Standard Chartered Mobile Banking app or Online Banking.

  • Yes, you can. Please note that you can only use your mobile phone number registered in the Bank records. If you wish to use a different mobile number, you must inform the Bank first to get your mobile number updated in the Bank records.

  • Your display name will be used by the payer to identify you when transferring funds to you via PayNow. By default, your display name will be your full name that we have on file for you.

  • Yes, you can do so through our Standard Chartered Mobile Banking app or Online Banking.

  • You must contact the bank first to inform about the change to your mobile number. The bank will proceed to update our records with your new mobile number. After your new mobile number is updated in our records, the link between your old mobile number and your account will be automatically deleted. To use the new mobile number for PayNow, you will have to register again by linking the new mobile number to your account.

  • No. Your registered payees for FAST will not by default become your registered payees for PayNow. Conversely, your registered payees for PayNow will not automatically become one of your registered payees for FAST.

  • With PayNow, you can make a one-time transfer to a recipient‘s registered mobile number/NRIC. You do not need to add the recipient as a payee. The total daily limit of all your one-time PayNow transfers is SGD 1,000. You will need to add the recipient as a payee if you wish to transfer a higher amount.

  • All your PayNow transfers will be recorded in your account statements and the transaction description will contain the recipient’s mobile phone number or NRIC (depending on which one was used by you for the transfer).

  • PayNow is not intended to conceal your bank account details from the party that you are transferring funds to or receiving funds from. Therefore, if you use PayNow to transfer or receive funds, the other party may still know your bank account details.

  • Presently, the bank is not charging any fees for customers using PayNow. If the bank intends to charge any fees, advance notice will be given to customers.

  • No. PayNow can only be used for SGD funds transfers between the nine participating banks namely Bank of China, Citibank Singapore Limited, DBS Bank/POSB, HSBC, Industrial and Commercial Bank of China Limited, Maybank, OCBC Bank, Standard Chartered Bank, and UOB.

  • Future-dated transfers and recurring transfers are not supported via PayNow currently.

  • Yes, you can. However, before you do so, you must first delete the existing link between your mobile number (or NRIC) and your account with the other bank.

  • The total maximum daily transfer limit for all One-Time PayNow Transfers and PayNow QR Transactions (calculated on a cumulative basis) is S$1,000.00. For One-Time PayNow Transfers, if you wish to transfer an amount higher than S$1,000.00 within the same day, you may do so up to a maximum cumulative amount of S$10,000.00 by entering an additional PIN / password.

    For the avoidance of doubt, where you make PayNow Transfer(s) using a Third-Party Platform, such PayNow Transfer(s) will also be subject to the same total maximum daily transfer limit (calculated on a cumulative basis) of S$1,000 as referred to above. As an example, if you have already made a One-Time PayNow Transfer of S$600 using the Bank’s mobile app, you will only be allowed to make a PayNow Transfer of a maximum amount of S$400 using a Third-Party Platform on the same day.

  • We understand that MOE has communicated to parents regarding this facility, however we regret to inform you that this functionality is not available to clients yet. We have clarified the same with MOE, and you may contact them for further updates. We apologize for the inconvenience caused.

Terms and Conditions

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.