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 payments from other banks to our account under SGD 10,000, your bank offers FAST payment transfer and the transfer will be immediate.
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 firstname.lastname@example.org 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 email@example.com, call us on (+65) 6372 2474 (Singapore) or (+852) 5801 7072 (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, the final step of registration to confirm your status is to complete the Know Your Customer process. This requires us to perform a one time face-to-face identity verification at any one of our Pay2Home branches along with your original documents. After the successful document and verification check, you will be able to enjoy the full range of Pay2Home Online services.
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.
Please note that our Pay2Home Online is catered for individual use only.
For corporate customers, we have many business and corporate customers that use our concierge service. If you would like more information please email us.
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.
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 firstname.lastname@example.org.
Any individual who is 18 years of age and above. The individual needs to be a registered Pay2Home customer.
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:
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:
If you do not have any of the above documents, please call our Customer Service Hotline at +65 63722474 or email us at email@example.com for assistance.
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.
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.
Yes, the limit per top up is SGD$1,000.
In Singapore you are able to keep up to SGD$1,000 in each of your Pay2Home Wallet.
At the moment we offer the following currencies:
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 firstname.lastname@example.org. We will review your request and contact you the soonest.
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:
Please contact our Customer Service Hotline at +65 63722474 or email us at email@example.com and we will assist you as soon as possible.
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.
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
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 firstname.lastname@example.org for assistance.
For the best experience, you are strongly advised to enable the following permissions for Pay2Home Mobile:
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 email@example.com for assistance.
Yes, you will need to launch the Pay2Home Mobile app with WIFI/3G/4G LTE services.
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.
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 firstname.lastname@example.org for assistance.
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.
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.
There is more information available here.
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.
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.
You will be able to select your discount to use, if available, when you are creating a transaction.
Money Transfer Machine (MTM)
If you do not have an existing account with Pay2Home you will need to be registered as a customer first. You can do this at any of our outlets as Pay2Home needs to meet you in person. This is part of the Know-Your-Customer process required by MAS and needs to be done only once. When we meet you we will need to sight an identity document of yours that contains your photograph. One of the following documents will be acceptable:
If your Identity document does not contain your address, we will require a proof of your current residential address. One of the following documents will be acceptable:
Once you have an account with Pay2Home, you can register yourself by verifying the following information on the MTM registration screen:
Our MTM has a guide video to show you how to do the MTM registration step-by-step.
Alternatively you can request assistance from any of our friendly Customer Service Staff for assistance during business hours.
We rely on 3rd party telecommunication companies for the provision of our SMS notification services, sometimes these service providers are unreliable. Try resending the OTP, by clicking on the link titled "Resend the OTP".
If you have tried resending the OTP with no success, there may well be problem with your SMS provider. Please approach our friendly Customer Service Staff for assistance from 10am to 7pm, or please email us at email@example.com outside of these hours.
There is no minimum amount. However, there will be a maximum limit of SGD$9,999 per transaction, or for transactions with NETS payment the maximum amount is capped to the daily withdrawal limit of your NETS card.
If you would like to send above the maximum MTM limit, please approach our Customer Service Staff for assistance.
The service fee payable depends on the type of service that you choose and the destination country.
Periodically there may be discounts offered on MTM transactions.
There are 3 payment methods that you can opt from;
1) NETS payment
If you would like to pay by NETS the maximum amount of your transaction must be within the daily withdrawal limit of your NETS card. This daily withdrawal limit is imposed by your bank and should you wish to revise the limit, you can approach your bank to do so.
2) Cash payment
You can also pay for your MTM transaction by cash at our dedicated counters for MTM. Once you have initiated your transaction at the MTM you will be issued an invoice and you can then enter our express transaction queue for your payments.
3) Internet banking transfer direct to our account
To make payment even easier, we recommend you to set Pay2Home up as a beneficiary by logging into your bank's internet banking counter and make payment using FAST.
When you select to Pay via Bank Transfer, an invoice will be generated together with the information of all our clearing bank in your country.
In Singapore, NETS is the quickest way to pay.
The transaction delivery times are the same as when you transact at any of our branches.
Please note: Pay2Home cannot commence the transfer of funds until we have received your money, so service times reflect the amount of time taken to delivery from when we receive your funds (see How can I pay for my MTM transaction? above).
You are advised to make payment for your MTM transaction as soon as possible. Your MTM transaction will be automatically cancelled should the payment for your transaction not be received by Pay2Home by 12 pm (noon) on the next business day.
We have MTMs located at multiple locations; they are located at all our branches in Singapore and will also be made available in Hong Kong soon. For more information on the branch locations, click on this link.
Our MTMs are available 24 hours a day, 7 days a week including public holiday. You can remit anytime at your convenience.
Our MTMs offer multiple language options; transaction can be done in English, Bahasa Indonesia, Tagalog, Vietnamese, and simplified Chinese.
The MTM tutorials are in English, Bahasa Indonesia and Tagalog, Vietnamese, and simplified Chinese as well, so take your time and use the language you are most comfortable with.
You'll love how easy the MTM is to use, they were designed with input from your fellow customers. We didn't launch our MTMs until our customer were happy and felt comfortable to use them.
Yes. You may approach our friendly Customer Service Staff for assistance during our business hours. Alternatively, you may also view the multilingual-instructional video on how to use the MTM.
Pay2Home Online is open every day of the year and our website offers updated rates between 10:00am and 4:30pm on business days. 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 and your account status in Confirmed, 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 following are the times taken for your funds to reach our DBS accounts:
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.