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Frequently Asked Questions
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Safety and security
Pay2Home complies with the strictest of regulatory standards; we comply fully with all the regulations set out by both the Monetary Authority in Singapore and by the Joint Financial Intelligent Unit in Hong Kong. We operate with substantial regulatory deposits. We count some of the world's largest banks as our customers. We are honest, transparent and trustworthy; all client information is confidential.
Our systems conform to the highest internet banking standards and regulations and we only use licensed banking partners in our distribution countries. Access to Pay2Home.com is encrypted using 128 bit techniques (the same as your bank uses).
Furthermore, access to Pay2Home.com involves dual factor authentication so we know we are really dealing with you - the customer. All confidential data is stored in an encrypted and secure form within our system, our staff do not have access to your password. We also never provide customer information to third parties (unless legally bound to do so or requested by you). Money, fees and payment
We are currently able send to the following countries; the UK, Australia, New Zealand, Malaysia, Indonesia, Vietnam, the Philippines, Thailand, Hong Kong, China, Singapore and all Euro zone countries. We are expanding our country list all the time so please check back for updates.
Currently, Pay2Home can send money from Singapore and Hong Kong. This list of destination countries is constantly growing so please check back for updates.
Pay2Home has a variety of different distribution methods available in different countries. Unfortunately not all methods can be offered in all countries, however Pay2Home does its best to offer as many options and as much choice as it can for its customers.
Full list of our services:
Unlike most banks which charge both a service fee and a percentage fee based on the amount you send, Pay2Home charges a single low, flat fee regardless of your transaction amount. Furthermore if you send your money via a bank, you will usually be charged an additional fee/deduction by the receiving bank when they credit the funds to your account. With Pay2Home there are no in-country deductions by your receiving bank and there are no hidden costs or additional charges. Compare our charges...
No. When you use Pay2Home there are no in-country deductions. The only fee you pay is the upfront, low flat Pay2Home transaction fee at the time of initiating your transaction.
A bank is a generalist financial provider. They provide account services, loans, mortgages, bank assurance, credit cards and a range of other services. Pay2Home is a licensed remittance specialist. International payments are all we do so we make sure we do them well. That results in lower costs, better exchange rates, more delivery channels and generally faster delivery times than the banks can offer. Being fully licensed also provides you with security knowing that your transaction and funds are safe.
You can make a payment to Pay2Home by making a local inter-bank transfer to our settlement bank account, by visiting a Pay2Home branch or by depositing a cheque into any of our clearing banks.
An internet banking transfer direct to our account is preferred, as it is both easy and convenient. To make payment even easier, we recommend you set Pay2Home up as a beneficiary by logging into your bank's internet banking counter. For cash deposits at our branches, please visit one of our outlets. If you decide to visit one of our branches to provide your ID documents and become a proven customer, you can easily make a transfer at the same time using Nets, cash or a cheque. You will be issued with a card for future use at any of our branches. Please note: You may make the payment at any of the methods above at your convenience. After business hours, on weekends and public holidays, your payment will be processed on the next business day.
When you make a transaction with us you will be emailed settlement instructions which include all of our clearing bank details in your country. Alternatively you can find our banking details in the HELP text available once you log into the site.
Pay2Home has no maximum or minimum amounts you can send. However, if you want to send a larger sum (15,000 SGD or 85,000 HKD), we recommend you contact our concierge desk so we can look at giving you a premier exchange rate.
Login to Pay2Home Online* or contact one of our branches. Your money is tracked by Pay2Home in real-time - if you have requested SMS and email updates, you and/or your beneficiary will be notified on completion of the payment. (*Singapore and Hong Kong only)
Pay2Home's rates are based on world currency markets, which are updated daily. We consistently offer a much cheaper alternative to your local bank.
Registering to use Pay2Home online** currently available in Singapore and Hong Kong only
1) Check your inbox for new mail; some email service providers may send unfamiliar emails to a spam or junk folder.
2) Try resending the verification email, simply click on the link titled Resend the verification email. 3) If you have tried resending the email with no success, your email provider may be blocking emails from Pay2Home. To unblock the incoming email, simply add customerservice@pay2home.com as a contact in your email account, login to Pay2Home and click on Resend the verification email. If you have tried these suggestions with no success, please email us at customerservice@pay2home.com, call us on +65 6372 2474 (Singapore) or +852 3693 1556 (Hong Kong).
Before you can send money, Pay2Home needs to meet you in person. This is part of the Know Your Customer process required by local Monetary Authority regulations and need only be done once. At this meeting, we need to see your identity documents; either an IC card or passport.
Following this initial meeting, you will be a confirmed customer and will be free to send money online or at one of our branches at your leisure.
If you have registered online, a customer service representative will call you shortly on the number you used to register, to discuss the most convenient way in which we can meet with you to confirm your status. Alternatively, you can visit one of our Pay2Home branches to complete the Know Your Customer process and drop off the documents.
Concierge and corporate service
Our concierge service is for clients looking to send larger amounts of money on a regular basis. In the case of larger transaction amounts we may also be able to offer a better exchange rate. Contact our customer service team if you are interested in our concierge services.
Yes, we have many business customers that use our concierge service. If you would like more information please email us.
Service times
In Singapore
Pay2Home Online is open every day of the year and our website offers updated rates between 9:30am and 4:30pm daily. While you can still create a transaction outside of these times, the rates indicated may not be representative of competitive market figures. The time it will take to deliver your funds is dependent upon your destination country and your chosen method of distribution. Full list of our services:
Please note: Pay2Home cannot commence the transfer of funds until we have received your money, so service times reflect the amount of time taken once we receive your funds (see How can I pay for my transaction? above). There is no reconciliation of funds after business hours, over the weekends or public holidays. Commencement of transfer will be on the next business day. For your information, the banking deposit clearance times are listed below:
In Hong Kong The time it will take to deliver your funds is dependent upon your destination country and your chosen method of distribution. Full list of our services:
Please note: Pay2Home cannot commence the transfer of funds until we have received your money, so service times reflect the amount of time taken once we receive your funds (see How can I pay for my transaction? above). When creating a standing order you need to be alert to changes in service times and rates as a result of weekends or public holidays in either the sending or receiving country. If you are creating a standing order that falls during a public holiday, you need to allow extra time for the payment delivery. The actual rate available may be generated on the next working day. Please be aware, that if the holiday falls next to a weekend, the next working day may be in three or four days time. This could therefore be a substantial change from the original indicative rate seen on the homepage. For information on our shop opening times please see our Contact Us channel. About Pay2Home
For more information on the company, see About Us
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Contact Us
Customer service:
Singapore: +65 6372 2474 Hong Kong: +852 3693 1556
View our branch locations
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