Sending money from
Frequently Asked Questions
Safety and security
  • How safe is Pay2Home?
  • How secure is the site?
  • Money, fees and payment
  • Where do you send money to?
  • Where can I send money from?
  • How can I receive my money in the destination country?
  • How do your fees compare with a standard telegraphic transfer?
  • Are there any deductions in the destination country when using Pay2Home?
  • How is sending money with Pay2Home different to sending money with a bank?
  • How can I pay for my transaction?
  • What are your banking details?
  • Do you have a minimum or maximum amount I can send?
  • How can I track my money?
  • How does Pay2Home offer exchange rates?
  • Registering to use Pay2Home online** currently available in Singapore and Hong Kong only
  • I haven't received my verification email, what should I do?
  • What identity documents must I provide?
  • How can I arrange to give you my documents? *
  • Concierge and corporate service
  • What is your concierge service?
  • Can corporates use Pay2Home?
  • Pay2Home Wallet
  • What is the Pay2Home Wallet?
  • The Pay2Home Wallet is a store of value function which allows you to prepurchase currencies to take advantage of the favourable exchange rates, convert and save them until you are ready to remit. The stored currencies can be used to pay for your remittances on all Pay2Home channels; Pay2Home Mobile App, Money Transfer Machines (MTMs), Pay2Home outlets, and Pay2Home Online.
  • Is the Pay2Home Wallet Safe?
  • The Pay2Home Wallet is absolutely safe! All the top ups and remittance transactions that you make are executed safely and no personal information regarding your account is ever accessible to any third party.

    The Pay2Home Wallet is more secure than carrying cash in your wallet. The app is protected with a 6-digit PIN and a One-Time Password (OTP). Your Pay2Home Wallet can be instantaneously blocked upon your request to prevent further use. This can be done by calling our Customer Service Hotline at +65 63722474 or email us at customerservice@pay2home.com.

  • Who is eligible to use the Pay2Home Wallet?
  • Any individual who is 18 years of age and above. The individual needs to be a registered Pay2Home customer.
  • How do I register as a Pay2Home customer?
    1. Pay2Home Mobile*
      Download Pay2Home Mobile app from Apple App Store or Google Play Store.
      1. Tap on the 'Not yet registered? Sign Up' button.
      2. Fill in your personal information and login information, then tap on the 'Submit' button.
      3. Verify your email address by clicking on the verification link sent to your email.
      4. Registration completed.
      Please note that you must be a registered Pay2Home customer to use Pay2Home Wallet functions.
    2. Pay2Home Online*
      1. Click on the 'Register' button.
      2. Select 'No' if you have not previously used Pay2Home's money transfer services.
      3. Fill in your personal information and click on the 'Next' button.
      4. Fill in your login information and click on the 'Submit' button.
      5. Verify your email address by clicking on the verification link sent to your email.
      6. Registration completed.
    3. Pay2Home Outlet
    4. You may visit any of our outlets, our friendly Customer Service Officer will assist you with your registration request.

    *If your registration is done via Pay2Home Mobile or Pay2Home Online, you will need to complete the identity verification process at one of the Pay2Home outlets and bring along a valid and original copy of your identification document (ID) and Proof of Address (POA). You must come in person for the verification (a proxy or authorised person will not be accepted).

    The identity verification process is necessary to comply with Monetary Authority of Singapore's (MAS) requirement that all customers must be physically identified face-to-face at the point of registration. This is also in order to ensure the security of all Pay2Home accounts and your money, we take extra care in knowing who our Pay2Home Wallet users are.

    The following are the acceptable identification documents:

    Singaporean NRIC (Pink)
    Singapore Permanent Resident (PR) NRIC (Blue)
    National Servicemen and Regulars SAF 11B, SPF 11B, or SCDF 18
    Foreigners Valid FIN pass on the day of registration
    Valid FIN Passes include:
    • Employment Pass
    • Entry Pass
    • S Pass
    • Work Permit (all types)
    • Training Employment Pass
    • Dependent Pass
    • Long Term Visit Pass
    • Student Pass

    If your ID does not have your address on it, you will also need POA not older than 3 months. One of the following documents will be acceptable:

    • Bank statement
    • Utility bill
    • Letter from Government department
    • Valid lease or accommodation agreement

    If you do not have any of the above documents, please call our Customer Service Hotline at +65 63722474 or email us at customerservice@pay2home.com for assistance.

  • Does my identity needs to be verified each time I use Pay2Home Wallet?
  • Identity verification is a one-time process. Once the registration is successful, you may proceed with using the Pay2Home Wallet anytime and anywhere. When utilising the funds on your Pay2Home wallet, you will be required to input the One-Time Password (OTP) that is sent via SMS to your registered mobile phone number with Pay2Home.
  • How do I activate my Pay2Home Wallet?
    1. Ensure that you have submitted the following information:
      1. Valid Identification Document.
      2. Valid Proof of Address (only required for Singapore-registered customer).
      3. Valid Mobile Number.
    2. Log into the Pay2Home Mobile App.
    3. Accept Pay2Home Terms and Conditions.
    4. Once the above is done, your wallet will be activated and can be used in all Pay2Home channels: Pay2Home Mobile App, MTMs, Pay2Home outlets, and Pay2Home Online.
  • How do I Top-Up my Pay2Home Wallet?
    1. Pay2Home Online, www.pay2home.com
      1. Under 'Wallets', click on 'Wallet Top-up'.
      2. Enter your top-up amount and select your payment method.
      3. Click 'confirm'
    2. Pay2Home Mobile
      1. Tap on 'My Wallets' on Mobile App Home page.
      2. Select your preferred top-up method.
      3. Follow the instructions for your chosen top-up method.
    3. Pay2Home MTMs
      1. Click on 'Wallets'.
      2. Select 'Top Up Wallet', enter your top-up amount.
      3. Insert your ATM Card into the slot on the right.
      4. Enter your 6-digit bank card pin.
    4. Pay2Home Outlet
    5. You may visit any of our outlets, our friendly Customer Service Officer will assist you with your top-up request.

    If the payment for your top up transactions is made via a bank transfer or by a cheque, the top up amount will only be credited into your wallet and reflected in your balance once Pay2Home has received the funds.

  • How much money am I allowed to keep in my Pay2Home Wallet?
  • In Singapore you are able to keep up to SGD$1,000 in each of your Pay2Home Wallet.
  • What currencies does Pay2Home offer in the wallet?
  • At the moment we offer the following currencies:
    • Indonesian Rupiah (IDR)
    • Indian Rupees (INR)
    • Hong Kong Dollar (HKD)
    • Malaysia Ringgit (MYR)
    • Philippines Peso (PHP)
    • Vietnamese Dong (VND)
    We are expanding the currency wallets offered all the time, so please check back for updates.
  • Why can I have only one foreign currency wallet?
  • By default, you will be entitled to have two wallets; one in local currency (SGD) and the other in the currency of your nationality. If you would like to have an additional wallet (another currency) added, you may submit your request by contacting our Customer Service Officer at +65 63722474 or customerservice@pay2home.com. We will review your request and contact you the soonest.
  • How do I convert my local currency to foreign currency?
  • Before converting your local currency, please ensure you have sufficient funds in your local wallet balance. Should you need to top up your local currency, you may refer here on how to do so. You may do a conversion via one of the following options:

    1. Pay2Home Mobile
      1. Tap on 'My Wallets', then on 'Convert SGD'
      2. Enter the amount you would want to convert, then tap on 'Next'.
      3. Check your Transaction Summary
      4. Tap on 'Submit' if all information are correct, otherwise tap on 'Back' to adjust amount.
    2. Pay2Home MTMs
      1. Tap on 'Wallets', then click on 'Convert SGD'
      2. Enter the amount you would like to convert, then tap on 'Submit'
      3. Check your 'Convert Confirmation'
      4. Tap on 'Confirm' if all information are correct, otherwise tap on 'Back' to adjust amount.
    3. Pay2Home Online
      1. Under 'Wallets', click on 'Wallet Conversion'.
      2. Enter the amount you would like to convert and click 'confirm'.
    4. Pay2Home Outlets
    5. You may visit any of our outlets, our friendly Customer Service Officer will assist you with your currency conversion request.
  • How to check the balance in my wallet?
    1. Pay2Home Mobile
      1. Tap on 'My Wallets' on the Home screen.
      2. Your Pay2Home Wallet balances will be displayed.
    2. Pay2Home MTMs
      1. Select 'Wallets'.
      2. Your Pay2Home Wallet balances will be displayed.
    3. Pay2Home Online
    4. You may view your wallet balance in the Summary page. It will show you the amount you have for your respective currencies.
    5. Pay2Home Outlets
    6. You may visit any of our outlets, our friendly Customer Service Officer will assist you with your Pay2Home Wallet balance enquire.
  • I have lost my phone / changed my phone number. What do I do now?
  • Please contact our Customer Service Hotline at +65 63722474 or email us at customerservice@pay2home.com and we will assist you as soon as possible.
  • Can I have my foreign currency converted back to local currency?
  • Yes you can, if you request for a refund on your foreign currency wallet. To request for the refund, you will need to visit a Pay2Home Outlet, our Customer Service Officer will assist you with your request. Please be advised that there will be an administrative fee imposed on the refund request and the final amount that will be refunded to you is subjected to exchange rate fluctuations and it will be calculated based on the applicable exchange rate at the point of refund.
  • Can I have the money in my wallet refunded to me?
  • Yes you can. To request for the refund, you will need to visit a Pay2Home Outlet, our Customer Service Officer will assist you with your request. Please be advised that there will be an administrative fee imposed on the refund request and the final amount that will be refunded to you is subjected to exchange rate fluctuations and it will be calculated based on the applicable exchange rate at the point of refund.
    Pay2Home Mobile App
  • Where can I download the Pay2Home Mobile app?
  • You can download the Pay2Home Mobile app on the Apple App Store or Google Play Store.
  • What happens to my Pay2Home Mobile app when I change my mobile phones?
  • As long as your mobile number remains the same, all you need to do is to download the Pay2Home Mobile app on your new mobile phone. Upon entering your mobile number and 6-digit PIN, you will receive a One-Time Password (OTP) via SMS. You will need to enter this in your Pay2Home Mobile app to complete your login.

    If you have changed your mobile number, please kindly contact our Customer Service Hotline at +65 6372 2474 or email us at customerservice@pay2home.com for assistance.

  • What permissions do I need to allow for the Pay2Home Mobile app to work on my phone?
  • For the best experience, you are strongly advised to enable the following permissions for Pay2Home Mobile:
    • Push notifications - so that we can notify you of your transaction's statuses and the latest Pay2Home deals and promotions.
    • Enable GPS - for your phone to detect Pay2Home branches near you.
    If you are on iOS, enable 'Location Services' from 'Settings > Privacy'. For Android devices, enable 'High Accuracy' mode under your 'Location' settings.
  • Will my Pay2Home Mobile app be locked after multiple unsuccessful login attempts?
  • For your security, access to your account will be suspended after 3 consecutive unsuccessful login attempts. To unsuspend your account, please call our Customer Service Hotline at +65 63722474 or email us at customerservice@pay2home.com for assistance.
  • Do I need active connection to login to the Pay2Home Mobile app?
  • Yes, you will need to launch the Pay2Home Mobile app with WIFI/3G/4G LTE services.
  • How do I register on the Mobile App?
    1. Download Pay2Home Mobile app from Apple App Store or Google Play Store.
    2. Tap on the 'Not yet registered? Sign Up' button.
    3. Fill in your personal information and login information, then tap on the 'Submit' button.
    4. Verify your email address by clicking on the verification link sent to your email.
    5. Registration completed.
  • How do I log into Pay2Home mobile App?
    1. Customer with pin
      1. Enter your Pay2Home Customer Registration Number (CRN) and tap on 'Next'.
      2. Enter your pin and tap on 'Login'.
      3. Enter the SMS Code that is sent via SMS to your registered mobile phone and tap on 'Verify'.
    2. Current online customer with alphanumeric pin
      1. Enter your Pay2Home Customer Registration Number (CRN) and tap on 'Next'.
      2. Enter your pin and tap on 'Login'.
      3. Enter the SMS Code that is sent via SMS to your registered mobile phone.
      4. Enter you 6 digit New PIN and re-enter it to confirm. Tap on 'Submit'.
    3. Customer without pin
      1. Enter your Pay2Home Customer Registration Number (CRN) and tap on 'Next'.
      2. Enter your Date of Birth and tap on 'Verify'.
      3. Enter the Temporary Password that is sent via SMS to your registered mobile phone.
      4. Enter you 6 digit New PIN and re-enter it to confirm. Tap on 'Submit'.
  • How do I add new beneficiaries?
    1. Transaction History
      1. Select the beneficiary from your Beneficiary History.
    2. Scan QR code from a previous Pay2home receipt
    3. Manually
      1. Select the Destination Country and Transaction Type and tap on 'Next'.
      2. Enter your beneficiary details and tap on 'Next'.
      3. Check your new beneficiary details and tap on 'Next'.
      4. Enter the SMS One-Time Password (OTP) that is sent via SMS to your mobile phone. Tap on 'Verify'.
  • How to create transaction on Pay2Home Mobile App?
    1. Tap on 'Send Money'.
    2. Select your beneficiary. If it is not in the list, select 'Add a new Beneficiary'.
    3. Enter the amount that you wish to send.
    4. If you have a discount available, you may choose to use it for this transaction.
    5. Check your transaction summary and tap on 'Confirm & Next'.
    6. If you have money in your Wallet, you may choose to pay partial or the full transaction amount with it.
    7. Select the payment method that you wish to make the payment by.
    8. Check your transaction confirmation and tap on 'Confirm & Pay'.
    9. A One-Time Pin will be sent to you via SMS to your registered mobile number, enter the pin and tap on 'Verify'.
    10. If a full payment has not been received, the transaction summary will include information on 'How to pay'.
    For transactions paid via Bank Transfer/cheque, they will only be processed after the funds have been received and verified by Pay2Home. For payment using MTM or at Pay2Home branch, you can find our MTM and outlet locations here.
  • What does 'locked beneficiary' mean?
  • An 'online' beneficiary is a beneficiary of transaction done through any non-face-to-face channels (Pay2Home Online, MTMs, Pay2Home Mobile App). An 'online' beneficiary is locked once a successful transaction has been made. A locked beneficiary cannot be edited or deleted for 60 days after the latest successful transaction. By default, each customer can have up to 8 locked beneficiaries.
  • Can I have additional online beneficiary or beneficiaries?
  • Yes, you can request for an additional online beneficiary or beneficiaries to be added by contacting our Customer Service Hotline at +65 63722474 or email us at customerservice@pay2home.com for assistance.
  • How do I make payment for my transactions?
  • You may make payment using your Pay2Home Wallet, Bank transfer, MTM or visit any of our outlets. You can find our MTM and outlet locations here.
  • What if I do not have enough money in my Pay2Home Wallet,can I still remit using the Pay2Home Mobile app?
  • Yes, you can. You may choose to pay for your remittance using other payment options such as cash payment at any Pay2Home outlets or bank transfer, or you may choose to pay for your remittance partially by using the money you have in your Pay2Home Wallet and the remaining by another payment option of your choice.
  • How can I check my available discount?
  • You may do so by selecting 'Friends Card' either on the Home page or in the menu bar. It will show you the stamps that you have collected on your current 'Friends Card' and also the discount that is available for your account, if any.
  • Can I track my transaction status?
  • Yes, you may do so by selecting 'Transaction Tracker' either on the Home page or in the menu bar. You may also filter by the type of transaction, date of transaction and the current status of the transaction. When you select the transaction, you will find the full transaction details.
  • How to use my discount?
  • You will be able to select your discount to use, if available, when you are creating a transaction.
    Money Transfer Machine (MTM)
  • How safe is the MTM?
  • How do I register for the MTM?
  • I haven't received my One-Time Password (OTP), what should I do?
  • Do you have a minimum or maximum amount I can send via the MTM?
  • How much is the service fee for using the MTM?
  • How can I pay for my MTM transaction?
  • What are your service times for MTM transactions?
  • When do I have to pay for my MTM transaction if I have opted to pay by cash or an internet banking transfer?
  • Where can I find a MTM?
  • When can I use a MTM?
  • What if I am not confident with using MTM?
  • Can I get any assistance while doing a transaction via the MTM?
  • Service times
  • What are your service times?
  • About Pay2Home
  • Who is Pay2Home?
  • Contact Us
  • Email us:
  • Customer service: customerservice@pay2home.com
    Website feedback: feedback@pay2home.com
  • Call us:
  • Customer service:
    Singapore(+65): 6372 2474
    Hong Kong(+852): 5801 7072
  • Visit us:
  • View our branch locations