Frequently Asked Questions


Card usage

My card

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's the exchange rate when I use my card abroad?

Good news for you! We give you the Visa exchange rate without adding any fees.

Check out the latest Visa rates
Make sure to enter 0% for bank fee and Singaporean dollar as your card currency.

When making a payment overseas
Always pay in the local currency so you will use the Visa foreign exchange rates when you pay with your BigPay card.

After you've made a payment
You can check the rate we use by tapping on the transaction. If the payment is pending, we show you the rate at the time you made the purchase. However, it's not the final rate you'll pay. You'll pay the exchange rate on the day the merchant settles the payment.

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

Nope, you don't have to do anything. 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?

You have most likely:

● Entered the wrong PIN.
● Reached the S$2,500 daily withdrawal limit.
● Have not got enough money in your account.
● Frozen your card.

Or else, please use 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've misplaced your card, you can always unfreeze it again when you've found it. If you still cannot find it or someone has stolen it, tap 'Report lost and stolen card' to order a new card. We'll charge you S$10 for a replacement.

If you cannot access your app, call us at +6568505118.



How do I activate the payWave feature on my card?

Make your first purchase using Chip and PIN and the payWave feature will be activated.

Is there a limit on contactless payments?

Yeap, it's S$100 daily. Any payment after will require Chip and PIN.



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.