Frequently Asked Questions


Card usage

Where can I use BigPay?

You can use your BigPay card locally and overseas that accepts Visa. That's over 53 million merchants worldwide!

What is the exchange rate when I use my card abroad?

We give you the Visa exchange rate without any fees.

Check the latest Visa rates - enter 0% for bank fee and Singaporean dollar as your card currency.You can also check the exchange rate applied to your purchase by tapping on the transaction on your Home screen.


If the payment is pending, the exchange rate applied is not final. You will be charged with the exchange rate on the day the merchant settles the payment.

Do I need to let you know I’m travelling abroad?

Nope, Just use your BigPay card as usual overseas. We give you Visa's exchange rate with no charges on top. Safe travels!

How do I change my card PIN?

From your Cards tab, tap PIN settings and enter your new PIN.

What are my spending limits ?

From the time of your first spend, your spending limit will be S$30,000 for the next 12 months.


Overseas cash withdrawal

Can I withdraw money with BigPay?

Yes, you can withdraw money overseas with your BigPay card like any bank card. For now, you cannot withdraw money in Singapore.

ATM did not dispense any cash but I was charged

Keep your transaction receipt safely and chat with us in-app. We'll help you raise a dispute to get your money back.

If you plan to take out cash in Indonesia, we recommend using the ATMs by Mandiri, Maybank and CIMB Niaga.

Why was my overseas ATM withdrawal declined?

It's most likely:

● You might have reached the cash dispensing limit of the ATM

● You've entered the wrong PIN
● You've reached your S$2,500 daily withdrawal limit
● You haven't got enough money in your account

● Your card is frozen


If it continues to fail, try using another ATM.


If you were charged but no money was dispensed, please chat with us in-app.

Is there a limit on overseas ATM withdrawals?

S$2,500 daily.


Lost or stolen card

My card is lost or stolen

Freeze your card in-app immediately. If you cannot access your app, call us at +6568505118.

If you have misplaced your card, you can always unfreeze it again once you have found it.

If your card is stolen, tap 'Report lost and stolen card' to order a replacement. We will charge you S$10 for it.



Do I need to activate the payWave feature on my card?

Yes. To activate, make your first purchase using Chip & PIN or online payment. After you've done that, you'll be able to make payWave payments!

Is there a limit on payWave payments?

Yes, it's S$300 daily. Any payment after will require Chip and PIN.

Can I set my own contactless/payWave payment limit?

payWave limits are fixed by VISA. For now, this limit cannot be changed.



What fees am I being charged?

We do not charge you any fees to sign up and have a BigPay account. Spending in Singapore and overseas are fee-free, with no added charges except when you withdraw money overseas. For full details, see Fees and Charges.