Pay with ease

DBS PayLah!

PayLah! is wearable on Apple Watch now! Download the app and start shopping & paying at selected online merchants today! Instantly send and receive money, request for funds, pay bills and more with the app. Also available to non-DBS/POSB customers!

DBS PayLah!

Go crazy shopping online and pay with DBS PayLah! for amazing discounts and a faster checkout experience at selected merchants. Split the drinks tab with friends, pay your yoga instructor or settle your phone bill while on the move. With DBS PayLah!, you can transfer money to anyone, even non-DBS/POSB customers instantly with just the recipient’s mobile number. No account details needed! Fast, secure, hassle-free and so easy to set up!

Features

  • Apple Watch: PayLah! is available on Apple Watch now! View your wallet balance and notifications on the go! NEW
  • Shop and pay with PayLah!: Paying for your online or mobile purchases is now easier than before, just select PayLah! as your payment option during checkout. NEW
  • Send Money: Send and receive money instantly to anyone, even non-DBS/POSB customers! Just enter amount, mobile number and send! It's that simple!
  • eAng-Bao: Send a digital Ang Bao to your loved ones on special occasions such as weddings, birthdays, festive celebrations and more.
  • Request for Funds: Requesting for money from others is now easier than ever! And perfect for splitting bills!
  • Bill Payment: Make payments to over 34 billing organisations without hassle
  • Charitable Donation: Donate money in one simple step to these 15 charitable organisations
  • WhatsApp Notifications: Notify your recipients about the transfer in a single tap.
  • Touch ID: Users on selected Apple devices can now access the app with Touch ID fingerprint sensor

All you need is

For DBS/POSB iBanking Users:

  • DBS/POSB iBanking account with a DBS/POSB savings/current account (Personal or Joint-Alternate accounts only), and
  • A valid smartphone with a Singapore registered 8-digit mobile number

For non-DBS/POSB iBanking Users:

  • DBS/POSB savings/current account or a savings/current account with a bank which offers FAST (Fast And Secure Transfers) services in Singapore, and
  • A valid smartphone with a Singapore registered 8-digit mobile number

How to Apply

  • Step 1: Download the app
           

  • Step 2: Register for your PayLah! wallet (One-time)

Awards


MOB-EX Award
 
Mob-Ex Awards 2015:
Best App / Content by a Consumer Brand - Gold

View the latest DBS PayLah! Terms and Conditions.

Frequently Asked Questions

DBS PayLah!
  1. What is DBS PayLah!?

    DBS PayLah! is a personal mobile wallet which allows you to perform funds transfer via a mobile number. You can also send eAng Baos, request for funds from others, pay your bills, donate money to charitable organisations and more! You can even pay with DBS PayLah! for your online purchases securely and swiftly at selected merchants!
    DBS PayLah! is available to non-DBS/POSB customers! So everyone can PayLah! today!

    What’s more, for Apple WatchTM users, you can connect your PayLah! wallet app to your Apple WatchTM to view balances and receive notifications!

  2. How can I be eligible for DBS PayLah!?

    You have to be at least 16 years of age and have a smartphone with a Singapore registered 8-digit mobile number.
    In addition, you will need to:
    i.Have a DBS/POSB iBanking account with a DBS/POSB savings/current account (Personal or Joint-Alternate accounts only); or
    ii.If you do not have a DBS/POSB iBanking account, have either a DBS/POSB savings/current account or a savings/current account with a bank which offers FAST (Fast And Secure Transfers) services in Singapore.

  3. How do I get DBS PayLah!?

    Simply download and install the DBS PayLah! app from Google Play Store or iTunes App Store on your smartphone, followed by registering for a wallet account (see question 4 below).

    Note:
    Please note that your use of DBS PayLah! is subject to your acceptance of our terms and conditions.

  4. How do I start using DBS PayLah!?


    If you are a DBS/POSB iBanking user:
    Step 1

    Open the downloaded app and select Existing DBS/POSB iBanking User on the Sign Up page followed by performing a one-time activation with the following:

    • Your DBS iBanking User ID & PIN; and
    • A 6-digit Secure PIN sent to your smartphone or generated by your iBanking token.
    Step 2Set up your wallet by providing a PayLah! name, linking one of your DBS/POSB savings/current accounts to the wallet and choosing your wallet limits.
    Step 3Create your own 6 alphanumeric DBS PayLah! personal password.
    You wallet will be fully set up and ready to use.

    If you are not a DBS/POSB iBanking user:
    Step 1

    Open the downloaded app and select Everyone Else on the Sign Up page.

    Step 2

    Set up your wallet by providing your Full Name, NRIC/FIN No., Address, Date of Birth and Nationality.

    Step 3

    Link one of your DBS/POSB savings/current accounts or a savings/current account with a bank which offers FAST (Fast And Secure Transfers) services in Singapore.

    Step 4

    Create your own 6 alphanumeric DBS PayLah! personal password and provide a recovery email address to be used when you require a reset of password.

    Step 5

    Upon successful registration, you are required to verify your linked bank account by clicking on Verify Now on the wallet homepage, whereupon DBS Bank will initiate a nominal deposit of SGD 0.01 to your linked bank account. Along with this, a unique 6-character. Reference Number will be sent to your linked bank account which you can retrieve by viewing your bank account’s Transaction History.

    Step 6

    Enter the unique 6-character Reference Number back onto DBS PayLah! to complete the verification process.

    You wallet will be fully set up and ready to use. Note that if you do not verify your linked bank account via Step 5 and 6 above, you will only be able to receive money from other DBS PayLah! users (up to a maximum of SGD 999) and not be able to send money and perform other transactions on your wallet.

     

  5. Is DBS PayLah safe to use?

    DBS PayLah! is designed with safety features such as:
    i. For logins, you have to enter your 6 alphanumeric DBS PayLah! personal password. We recommend that you change your password regularly by tapping on Settings > Reset PayLah! Password.
    ii. If you are using an Apple iPhone 5S (or newer) mobile device operating on iOS Version 8.0 (or newer), you may also use the fingerprint stored on your mobile device (the Touch ID function) as an alternative to your personal Password to access and use the DBS PayLah! app.
    Note:
    Touch ID function on your Aple iPhone mobile device allows you to store someone else’s fingerprint to access and use the functions of your mobile device. Thus if you choose to enable the Touch ID function for access to DBS PayLah! app, it is recommended that you should only store your own fingerprint on your mobile device to prevent others from accessing and using your DBS PayLah! app.
    iii. Your DBS PayLah! wallet limit and daily transfer limit are each capped at SGD 999 by default. For DBS/POSB iBanking users, you can adjust both limits to levels that you are comfortable with. Adjustment of limits is not available to non-DBS/POSB iBanking users.
    iv. For enhanced security, we recommend that you lock your smartphone with a password.

  6. What if I forget my DBS PayLah! password?

    You may click on the “?” icon on the login page.

    If you are a DBS/POSB iBanking user: You will be prompted to re-activate DBS PayLah! as listed in step 1 of question 4 above before entering a new personal password to be changed.

    If you are not a DBS/POSB iBanking user:
    You will be prompted enter your Recovery Email Address before entering a new personal password to be changed. A Confirmation PIN will be sent to your recovery email address before your password change is confirmed.

  7. How do I activate my Touch ID function if I am using an Apple iPhone 5S (or newer) mobile device operating on iOS Version 8.0 (or newer)?

    If you are using an Apple iPhone mobile device which has the Touch ID functionality and registering for DBS PayLah! for the first time, you will be prompted to activate Touch ID during the registration process. For existing DBS PayLah! users, you can activate or deactivate your Touch ID function at any time by tapping on Settings > Touch ID login.

  8. Do I need to pay to use DBS PayLah!?

    No, DBS PayLah! is free of charge.

  9. What if the person I am sending money to does not have DBS PayLah!?

    The recipient will receive an SMS alert to download the DBS PayLah! app within 14 calendar days. The funds will be automatically credited into his/her DBS PayLah! wallet once he/she successfully registers

  10. What if the recipient does not download DBS PayLah! app to receive the money sent?

    We will send an SMS to remind your recipient to download the DBS PayLah! app and complete the registration in order to receive the money that you have sent.
    If your recipient does not do so within 14 calendar days, we will automatically refund the full amount back to your DBS PayLah! wallet. You will receive a push notification from the app to inform you about the refund. You may also view the refund in your Transaction History.

  11. Can I have more than one DBS PayLah! wallet?

    Yes. Each customer can have more than one DBS PayLah! wallet.

    If you are a DBS/POSB iBanking user, you can have:
    i. One DBS PayLah! wallet registered under your iBanking User Profile and a mobile number, and
    ii. Two additional unique DBS PayLah! wallets registered under a non-iBanking User Profile and with two separate mobile numbers.

    If you are not a DBS/POSB iBanking user, you can have:
    i. Up to a maximum of three DBS PayLah! wallets registered under a non-iBanking User Profile with three separate mobile numbers.

  12. What should I do if I lose my smartphone?

    If you lose your smartphone, simply call 1800-111-1111 (or (65) 6327 2265 from overseas) or visit any of our branches. As far as possible, we will strive to help to block your DBS PayLah! wallet to prevent it from being compromised. At any time, you may also request to close your wallet and have the wallet balance credited back to your linked DBS/POSB savings/current account. Please note that DBS is not liable for any loss suffered by you arising from the loss of your smartphone.

  13. What happens if I want to change a new smartphone and/or mobile number?

    New Smartphone:

     

    Step 1

    Simply download and install the DBS PayLah! app from Google Play Store or iTunes App Store on your smartphone.

    Step 2

    Open the downloaded app and perform a one-time activation by keying the following in the DBS PayLah! app as per the order below;

    • your DBS iBanking User ID & PIN; and,
    • 6-digit SMS Secure PIN sent to your smartphone; or,
    • One-Time Password generated by your iBanking token

    Step 3

    Key in your existing DBS PayLah! personal password.

    Your latest balance and past transaction records will automatically be available on your new smartphone.

    New Mobile Number:
    You can update the mobile number linked to your DBS PayLah! wallet by tapping on Settings > Change Mobile Number. After updating, a 6-digit SMS Secure PIN will be sent to your new mobile number for authentication.

    Note:
    Changing the mobile number linked to your DBS PayLah! wallet will not automatically update the mobile number registered in your personal records with the Bank.

  14. How can I top-up my DBS PayLah! wallet?

    If you have a DBS PayLah! wallet registered under your iBanking User Profile, you can top-up your wallet by any of the following methods:

    Method 1: DBS PayLah! app
    Tap on Menu > Top-Up and enter the amount you want to top-up (minimum SGD 5.00). The funds will be transferred from your linked DBS/POSB bank account.

    Method 2: DBS iBanking
    In your iBanking account, click on PayLah!New in the left navigation menu

    Method 3: DBS mBanking
    In your mBanking account, click on Top-up PayLah! on the main menu

    Note:
    Top-up function is unavailable for DBS PayLah! wallets registered under a non-iBanking User Profile.

  15. Can I top-up money with funds from non-DBS/POSB bank accounts or from someone else’s bank accounts?

    No. For DBS PayLah! wallets registered under iBanking User Profiles, top-up can only be made from the DBS/POSB bank account that is linked to the DBS PayLah! wallet.

    Note:
    Top-up function is unavailable for DBS PayLah! wallets registered under a non-iBanking User Profile.

  16. How do I send money from my DBS PayLah! wallet to a friend (Single Send)?

    You can send money to a friend by tapping on Send (on the Homepage) > Send Money, followed by entering the amount that you wish to send (minimum SGD 0.01) and then your recipient’s name (as stored in your contact list) or mobile number.

    You can choose to add a short message, a fun sticker and/or attach an image if you like.

  17. How do I send money from my DBS PayLah! wallet to a group of friends (Group Send)?

    You can send money to a group of friends by tapping on Send (on the Homepage) > Send Money, followed by entering the amount that you wish to send to each recipient (minimum SGD 0.01) and then your recipients’ names (as stored in your contact list) or mobile numbers (maximum 5 recipients). Please note that all of your recipients will receive the same amount as entered in the amount field.

    You can choose to add a short message, a fun sticker and/or attach an image if you like.

  18. What is an eAng Bao?

    In a standard Single Send or Group Send transaction, your friend will receive a notification message (or SMS if they do not yet have DBS PayLah!) informing them of the amount which you have sent.

    Now, you can choose to Send Money as an eAng Bao to a single or group of recipients (maximum 5) and the amount will not be indicated in the SMS or notification message. This is perfect for festive occasions where you can surprise your family and friends with this awesome new eAng Bao feature.

  19. How do I send an eAng Bao?

    You can send an eAng Bao to a single or group of recipients (maximum 5) by tapping on Send (on the Homepage) > Send Money, followed by entering the amount that you wish to send (minimum SGD 0.01) and then your recipients’ names (as stored in your contact list) or mobile numbers before selecting the Send as eAng Bao option. Please note that all of your recipients will receive the same amount as entered in the amount field.

    You can choose to add a short message, a fun sticker and/or attach an image if you like.

  20. Can I send a Whatsapp message to notify my recipient once I have successfully sent money from my DBS PayLah! wallet?

    Yes, you can. Once your send money transaction is successful, you will have an option to tap on Notify via Whatsapp on the transaction receipt page. You will then be directed out of DBS PayLah! application to the Whatsapp application installed on your mobile device. A default message is generated for you to send to your friend, notifying them that you have sent them money via DBS PayLah!. You may choose to send the default message or edit a personal message.

  21. Can I send money to someone who:

    i.is not in my smartphone contact list?
    Yes, you can. On the Send Money page, simply enter the recipient’s Singapore registered 8-digit mobile number.
    ii.does not have a Singapore registered mobile number?
    No, you can only send money to recipients who have a Singapore registered mobile number

  22. Can I transfer money from my DBS PayLah! wallet to my DBS/POSB savings/current account?

    Yes, you can transfer money from your DBS PayLah! wallet back to your linked DBS/POSB bank account. Simply tap on Menu > Send to My Account and enter the amount you want to transfer.

  23. How do I receive money from my friends?

    i.For existing DBS PayLah! users, the money from senders will be credited instantly into your wallet.
    ii.For non-existing DBS PayLah! users, the money will not be credited into your wallet until you register for DBS PayLah!.

    Note:
    For DBS PayLah! wallets registered under a non-iBanking User Profile, it is a regulatory requirement that we require users to submit a copy of their NRIC/FIN (front and back) via email to paylah@dbs.com once users have reached a threshold of a cumulative lifetime amount of SGD 2,500 received from other wallets. Before the receipt and verification of the NRIC/FIN copy by DBS Bank, users might be restricted from further use of their DBS PayLah! wallet (See below Question 43).

  24. Can I set a limit on my DBS PayLah! wallet?

    For DBS PayLah! wallets registered under iBanking User Profiles, you can set and adjust the wallet limit (maximum limit of SGD 999) by tapping on Settings > Change max PayLah! Wallet Limit.

    For DBS PayLah! wallets registered under a non-iBanking User Profile, the wallet limit is defaulted to SGD 999 and cannot be changed.

    Note:

    • If you set your wallet limit to SGD 0, all incoming funds will be automatically sent to your linked DBS/POSB bank account. You will also not be able to send money to others.
    • If someone sends you an amount which exceeds your wallet limit, the excess amount will be automatically sent to your linked DBS/POSB bank account. You will see this automatic transfer of the excess amount as a Maxed-Out transaction in your Transaction History.
    • E.g. You have set your wallet limit as SGD 200. You transferred SGD 40 to your friend for a meal. The remaining wallet balance is now SGD 160. Your friend transfers SGD 100 to you for a gadget you helped him to buy. However, as the wallet limit is capped at SGD 200, the excess SGD 60 will be credited to your DBS/POSB savings/current account directly and the DBS PayLah! wallet will show a balance of SGD 200

     

  25. Can I limit the amount I can transfer per day on my DBS PayLah! wallet?

    For DBS PayLah! wallets registered under iBanking User Profiles, you can set a daily transfer limit of SGD 100, SGD 200, SGD 500 or SGD 999 for your DBS PayLah! wallet. Tap on Settings > Daily Transfer Limit to do so.

    For DBS PayLah! wallets registered under a non-iBanking User Profile, the daily transfer limit is defaulted to SGD 999 and cannot be changed.

    E.g. If you have set your daily transfer limit as SGD 999 but would like to send SGD 800 each to two different friends, you will only be able to pay one friend in full as the total amount of SGD 1,600 is higher than your daily transfer limit.

  26. How do I request a money transfer from a friend (Single Request)?

    You can request a friend to transfer money to you by tapping on Request (on the Homepage) > Single, followed by entering your friend’s name (as stored in your contact list) or mobile number and the total amount that you wish to receive from your friend.

  27. How do I request a money transfer from a group of friends (Group Request)?

    You can request a group of friends (maximum 10) to transfer money to you by tapping on Request (on the Homepage) > Group, followed by adding your friends’ names (as stored in your contact list) or mobile numbers and the total amount that you wish to receive from the group. You can even choose to include your own share of the total amount by selecting the Include Myself option.
    DBS PayLah! will automatically divide the total amount equally according to the number of persons included in your Group Request. You can edit the respective amounts to be requested from each individual in the group by tapping on any name in the group.
    You can also choose to add a short message, a fun sticker and/or attach an image if you like.

  28. Can I request a money transfer from someone who:

    i.is not in my smartphone contact list?
    Yes, you can. On the Request Money page, simply enter the requested party or parties’ Singapore registered 8-digit mobile number.

    ii.does not have a Singapore registered mobile number?
    No, you can only request money from someone who has a Singapore registered mobile number.

    iii.has not downloaded and registered for DBS PayLah! yet?
    Yes, you can. After you have sent the request, the requested party will receive an SMS alert to download and register the DBS PayLah! app within 14 calendar days to respond to your request.

  29. What is the maximum amount that I can request for each request?

    The maximum total amount that you can request for is S$999 per request transaction (applicable for both Single and Group Requests).

  30. When I receive a request for money transfer from others:

    i.How do I accept the request?
    You can login to DBS PayLah! and click on Pending to view outstanding request(s) from others (which you have not responded to). You can view the details of each request by selecting the respective transaction and proceed to accept the request by tapping on Accept. This will trigger a Send Money transaction to the requester and it will be listed as Sent under the Completed tab in your Transaction History.
    You have 14 calendar days to accept the request for money.

    ii.How do I decline the money transfer request?

    When you receive a request for money, you can view the details of each request by selecting the respective transaction and proceed to decline the request by tapping on Decline. Your friend will be notified of the decline via a push notification. You can also view the Declined transaction which is listed in grey under the Pending tab in your Transaction History.
    You have 14 calendar days to decline the request for money.

  31. What happens if I do not accept or decline the money transfer request after 14 calendar days?

    The request from your friend will automatically expire after 14 calendar days but you can still view the Expired transaction which will be listed in grey under the Pending tab in your Transaction History.

  32. Can I send reminder(s) to my friends to respond to my money transfer request?

    Yes, you can. For each individual request transaction, you can send reminder(s) to your friend (in a Single Request) or friends (in a Group Request) who have yet to respond by tapping on Remind under the transaction details page.

  33. Can I cancel a money transfer request after it has been sent?

    Yes, you can. You can do so by tapping on Cancel under the transaction details page within 14 calendar days. You can still view the Cancelled transaction which will be listed in grey under the Pending tab in your Transaction History.

  34. Can I pay my bills with DBS PayLah!?

    Yes. You can pay your bills to selected Billing Organisations with our new Bill Payment function.

  35. How do I make a Bill Payment?

    You can make a Bill Payment by tapping on Send (on the Homepage) > Bill Payment, followed by entering or selecting the Billing Organisation and the amount that you wish to pay. You will be required to enter the Consumer Reference Number for the respective Billing Organisation before you submit your payment.

  36. What is a Consumer Reference Number?

    Your Consumer Reference Number is a reference number given by the Billing Organisation and it is usually stated on your bill. It is your responsibility to enter the correct Consumer Reference Number or your Bill Payment transaction might not be successful.

  37. Can I maintain a list of Billing Organisations as my Favourites?

    Yes. You can maintain a list of Billing Organisations (maximum 5) under your Favourites by selecting on “+ Favourite” on your confirmation receipt page after making a successful Bill Payment transaction. Alternatively, you can add or delete a Billing Organisation from your Favourites by tapping on Enter/Select Organisation > Favourites on the Bill Payment page.

  38. Can I donate money to a Charitable Organisation with DBS PayLah!?

    Yes. You can donate money to selected Charitable Organisations with our new Donation function.

  39. How do I make a Donation?

    You can make a Donation by tapping on Send (on the Homepage) > Donation, followed by entering or selecting the Charity and the amount that you wish to donate. You will be required to provide your Full Name and NRIC or FIN number which will be sent to the Charitable Organisation should the donation be tax deductible. Please note that not all donations are tax deductible, therefore it is your responsibility to check with the Charitable Organisation to determine whether the Charitable Organisation qualifies for tax deductions before making the donation.

  40. Can I pay for my online purchases with DBS PayLah!?

    Yes. You can now pay for your purchases with DBS PayLah! at selected online and mobile merchants.

  41. How do I pay for my online purchases?

    If you are checking out from a web-based online merchant:

    1. Select the option to pay with DBS PayLah! on the merchant’s checkout page and then enter your DBS PayLah! mobile number to continue.
    2. Your online merchant will initiate a request for payment to your DBS PayLah! wallet and you will be notified via a push notification to log in to your app.
    3. Upon log in, simply verify the payment details of your online purchase and tap on Pay Now to confirm.
    4. Once successful, you will receive a confirmation SMS for your records and you may return to your merchant's website to view the completed purchase.

    If you are checking out from an app-based online merchant:

    1. Select the option to pay with DBS PayLah! on the merchant's checkout page.
    2. Your DBS PayLah! app will be launched automatically and proceed to log in.
    3. Upon log in, simply verify the payment details of your online purchase and tap on Pay Now to confirm.
    4. Once successful, you will receive a confirmation SMS for your records and you will be redirected back to your merchant's app to view the completed purchase.
  42. Do the credit balances in my DBS PayLah! wallet earn any interest?

    No, the available credit balances in your DBS PayLah! wallet do not earn any interest.

  43. How do I use DBS PayLah! on Apple Watch?

    DBS PayLah! for Apple Watch complements your mobile wallet experience on the Apple iPhone. You can receive notifications and view your wallet balance directly on your wrist.
    For PayLah! to function on your Apple Watch, you must have logged in at least once to PayLah! app on your iPhone (for new users). You will also need to connect your iPhone to your Apple Watch via Bluetooth and you must be in connection range for both devices.

  44. How do I enable DBS PayLah! for Apple Watch?

    To enable DBS PayLah! for Apple Watch, simply connect your watch with your iPhone via Bluetooth. Tap on My Watch on Apple Watch followed by DBS PayLah!. Then tap on either Show App on Apple Watch or Show in Glances to complete the synchronisation.

    Note: Your iPhone must be operating on iOS 8.2 or newer.

  45. Do I need to log in to DBS PayLah! on the Apple Watch?

    You do not need to log in to DBS PayLah! app on the Apple Watch separately. Simply enable DBS PayLah! on your Apple Watch as per above steps and you will be able to view your balances and receive notifications as long as you are connected with your iPhone via Bluetooth and you are within range.

  46. Why can’t I view PayLah! balances or receive notifications on my Apple Watch?

    Do ensure that:

    • You have logged in at least once to DBS PayLah! app on your iPhone (for users who have recently installed DBS PayLah! on your device).
    • Your iPhone is connected to your Apple Watch by Bluetooth and that you are within range of your iPhone.
    • You have enabled DBS PayLah! on your Apple Watch.
    • You have enabled Push Notifications for DBS PayLah! on your iPhone settings.
    • Your iPhone is not in the unlocked status, in which case, your notifications will be received on your iPhone.

     

  47. Additional FAQs for DBS PayLah! wallets registered under a non-iBanking User Profile:

  48. Will I be required to send in additional documents if I register for a DBS PayLah! wallet under a non-iBanking User Profile?

    Yes. For DBS PayLah! wallets registered under a non-iBanking User Profile, it is a regulatory requirement that we require users to submit a copy of their NRIC/FIN (front and back) via email to paylah@dbs.com for record purposes. While we do not require users to do so upon successful registration of the DBS PayLah! wallet, it is mandatory once users have reached a threshold of a cumulative lifetime amount of SGD 2,500 received from other wallets. Before the receipt and verification of the NRIC/FIN copy by DBS Bank, users might be restricted from further use of their DBS PayLah! wallet.

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