I haven't received the registration code, but I'm prompted to set up the Digital Token. What should I do?

The code has been mailed (allow 3-5 working days). Select "Set up later" until you receive it.

Why is the digital token update required?

The update is a security requirement for secure transactions.

How do I update my digital token?

Simply log in to the digibank app; the token updates automatically.

What happens if my digital token isn’t updated?

For your protection, only limited transactions will be allowed with other methods like SMS OTP. High-risk transactions, such as changing transaction limits, require digital token authentication.

What if I logged in but still can’t authenticate?

Your digibank app might need updating to the latest version.

How do I set up my Digital Token?

Please click here for more information on how to setup your Digital Token.

How do I authenticate transactions with my Digital Token?

For online, eNets, and eCommerce transactions: tap the push notification and "Approve", or launch the digibank app (no login needed), tap the “Digital Token” icon, and then "Approve".

Why can’t I authenticate my transaction with my digital token?

Your digital token may require an update. Log in to your digibank app to update it automatically.

I didn’t receive a push notification. What should I do?

Ensure push notifications and permissions are enabled for the digibank app. You can also authenticate manually: tap “Enter OTP manually” on the webpage, then launch the digibank app (no login needed). Check your network connectivity, especially in low coverage areas. You can also authenticate via the digibank app by tapping on "Digital Token" next to the login button (no login needed)

I don’t see the “Approve” button after tapping the Digital Token icon. What should I do?

For Internet Banking transactions, relaunch the app and resubmit the transaction. You can authenticate manually with an OTP from the Digital Token.

How do I update my mailing address?

You can update your mailing address through the following channels: Digibank ATM/Debit/Credit Card & Singpass AXS Station Please click here for the step-by-step guide.

How do I update my mobile number?

Digibank ATM/Debit/Credit Card & Singpass Please click here for the step-by-step guide.

How do I update my email address?

Digibank ATM/Debit/Credit Card & Singpass Please click here for the step-by-step guide.

I lost my DBS ATM/Debit card. What should I do?

If your ATM, Debit or Credit card is lost or stolen, please block your card(s) immediately using our online services and request for a replacement instantly. Please click here for the step-by-step guide.

Can I get a replacement card immediately without visiting a branch?

You can request for card replacement via digibank or digibot. Please click here for the step-by-step guide.

How long will it take to receive a replacement card?

A replacement card will typically be mailed to your registered address within 3-5 working days.

Can I choose a different type of card as a replacement?

Usually, you will receive a replacement card of the same type as your lost card. To change card types, you may need to visit a branch.

I noticed unauthorised transactions on my card before reporting it lost. What should I do?

To get assistance on Lost Cards and Fraud Reporting, contact us at 1800 339 6963 or (65) 6339 6963 from overseas. You can also refer to this page to guide you on how to submit a card transaction dispute.

Why is overseas transfer delayed?

The following factors can cause delays in overseas funds transfers. Public holidays in either the sending or receiving country can extend processing times. Delays may also arise from payment processing partners, beneficiary banks, or system maintenance. Transactions submitted on weekends or public holidays will be processed on the next business day. Inaccurate or incomplete recipient information, such as incorrect names, addresses, or currency details. Regulatory checks for anti-fraud or anti-money laundering purposes. For more information, you may refer to our Help & Support page here .

I'm having trouble using the DBS mobile/internet banking app for overseas transfers. What can I do?

Troubleshooting steps may include restarting your device, reinstalling the app, checking your internet connection, or ensuring your app is up to date.

What are the fees involved in DBS Remit and regular outward telegraphic transfer?

Fees can vary depending on the transfer amount, the destination country, and the payment method. There may be additional charges from the receiving bank. Refer to our Help and Support page here for more details on the charges.

How can I increase my overseas transfer limit?

Refer to our Help and Support page here for the step-by-step guide on how to increase your overseas limit via digibank.

What information is needed to send money overseas?

To initiate a money transfer, you will typically need the recipient's full name, bank account number, bank name, and potentially their bank's SWIFT code (for international transfers). You may also need to provide your own DBS account details for verification and processing.

How can I check the status of my overseas transfer?

You can check the status of your overseas funds transfer easily via digibank Remit Tracker and DBS digibot. Please click here for the step-by-step guide.

Why is DBS/POSB changing the daily account limit?

We are making this change to better protect your money from scammers. The limit helps reduce losses if scammers trick you into sending money. If you suspect you are being scammed, immediately call our 24-hour Fraud Hotline at 1800 339 6963 (from Singapore) or +65 6339 6963 (from overseas).

What transactions are included in the daily account limit?

The S$7,000 limit includes all money going out of your account: Local funds transfers Overseas funds transfers ATM funds transfers Payments made using QR Scan and Pay NETS payments made using your debit card Cash withdrawals (ATMs, at our branches) Scheduled recurring transactions (e.g GIRO, Standing Instruction)

Are incoming transactions affected by this new daily account limit?

No. You can still receive any amount of money. The limit only applies to money going out of your account.

I have recurring transactions debited from my account every month. What can I do to avoid my transactions from being rejected?

To avoid rejected transactions, ensure that your total outgoing payments do not exceed the S$7,000 daily limit on the day your recurring payments are processed. You can plan ahead by reviewing your scheduled payments in digibank: Recurring Overseas Funds Transfers View your scheduled transfers to overseas accounts. (link) Standing Instructions for Local Funds Transfers Check your recurring transfers to local bank accounts (link) Active GIRO Arrangements View all your active GIRO payment arrangements in one place (link) Note: Check your account statements/transaction details to see when your GIRO payments are usually deducted. Use this information to plan your next transfer and stay within the daily limit.

How do I check how much of my limit I have used in a day?

To calculate the daily utilised limits for your account, you can follow these steps: Login to digibank. Under Home , tap on Deposits and select POSB Payroll Account or POSB Work Permit Account you wish to view. Scroll down to view the transaction history. Add up all transactions deducted from the account within the day. The unused limit is calculated by debiting [JS1] total transaction amount from S$7,000. [JS1] taking the difference between total transacted amount from S$7,000

Will I be able to adjust this new limit?

No, the S$7,000 limit cannot be changed. If you need to transact above S$7,000, do plan in advance and split your transactions across multiple days.

What should I do if I need to transfer an amount larger than the new limit?

If you need to perform transactions above S$7,000, you may wish to plan ahead to keep within the daily account limit.

Does the new daily account limit apply to other accounts type?

No. This limit only applies to POSB Work Permit Accounts and POSB Payroll Accounts.

POSB Payroll Account for Work Permit Holders

Everyday banking made easy for Work Permit holders. Track your salary, make purchases, commute, send money home or to friends, and more – all from your phone!

Tap your DBS Visa Debit Card for buses, trains and everyday purchases, and track your salary on the digibank app.

Send money home in just 3 taps with DBS Remit and enjoy S$0 transfer fees.

Enjoy enhanced protection against scams and account misuse with built-in account safeguards.

Get up to S$45 and more

Settle in with curated perks made just for you and enjoy a rewarding start to life in Singapore.

POSB Payroll Account For Work Permit Holders

Overview

Benefits

Apply now

Replace card

Transfer money

Card usage

Account suspension

FAQ

Benefits for Work Permit Holders

Manage your money with ease

Tap your DBS Visa Debit Card for buses, trains and everyday purchases. Track your salary with the digibank app.

Send money home with S$0 fees

Send money home securely and conveniently from your phone with DBS Remit.

Safeguard Against Scams and Account Misuse

Work Permit Holders can maintain only one DBS/POSB deposit account¹, which must be a POSB Payroll Account. The account has a daily transaction limit of S$7,000.

¹Applications for other account types are subject to eligibility assessment at our branches.

Benefits for Employers

Save time when you go cashless

Skip the queues at ATMs. Transfer your MW’s or MDW’s salary online instantly.

Never miss a salary payment

Set up standing instruction to automate your monthly payments to your MWs or MDWs.

Track salary payment easily

Access transfer records easily via your account history for peace of mind.

Apply Now

Once you open your POSB Payroll Account, you will receive a DBS Visa Debit Card to make banking even easier and rewarding!

For Migrant Worker For New or Transfer Migrant Domestic Worker For Existing Migrant Domestic Worker

For Migrant WorkerPlease refer to the User guide on POSB Payroll Account for Migrant Workers via bank account module in Work Permit Online.

Learn more

Getting Started

Once you open your POSB Payroll Account, you will receive a DBS Visa Debit Card to make banking even easier and rewarding!

Step 01 - Activate DBS Visa Debit Card

Remember: Wait for your PIN mailer before heading to the ATM!

Insert your New ATM/Debit Card into the ATM.

Enter your Card PIN².

Select More Services.

Select Cards/PIN/iBanking/Phone banking.

Select Activate Card.

Follow instructions on the ATM screen to complete activation.

Locate the nearest DBS/POSB ATM.
²The Card PIN can be found in a separate letter sent to you.
Note: The Identity Number refers to the Malaysian IC number for Malaysian citizens, and the passport Number registered with the bank for all others.

Step 02 - Update personal details

Step 03 - Register for digibank

Step 04 - Set up Digital Token

Using your registered Email Address and SMS OTP Using your DBS Secure Device (Physical Token)Request for Registration Code Upon Receiving Registration Code

Card Replacement

How to replace DBS Visa Debit Card

Send money overseas

Transfer funds to your loved ones back home anytime, anywhere, with $0 fees on the same day via DBS Remit. Terms and conditions apply.

Add Overseas Funds Transfer Recipient Transfer Funds to Overseas Account

Send money locally

PayNow PayLah!

Learn more

Spend & travel with your card

Simply tap your DBS Visa Debit Card to shop, ride, and earn rewards with your spend. Need cash? Simply withdraw from any ATM with your card and PIN.

Up to 4% Cashback

When you spend on online food delivery, local transport and foreign currency spend with min. S$500 spend and less than $400 cash withdrawals a month.

Tap and SimplyGo

Tap and SimplyGo on buses and trains without having to top up.

Suspension of Accounts

Following the cancellation of work permit and departure from Singapore, work permit holders' accounts will be suspended. To avoid disruption, work permit customers are encouraged to ensure all funds are withdrawn, transferred or that the account is closed prior to departure.

For Work Permit Holders For Employers

This is to lower the risk of criminal syndicates using work permit holders' (WPHs') banking credentials for unlawful purposes if the accounts remain active after WPHs leave Singapore. As part of the government's efforts to combat scams and money laundering, the Singapore Police Force (SPF), Ministry of Manpower (MOM), and Monetary Authority of Singapore (MAS) are working with banks to progressively suspend the accounts of former work permit holders who have left Singapore (e.g., cancelled or expired work passes) to prevent account misuse by criminal syndicates.

Your account will be suspended (frozen) when your work permit expires or is cancelled and you have left Singapore. Your account will be suspended (frozen), meaning it will not be closed, and your funds will remain in the account. However, you will be unable to access the account or its balance during the suspension. Your funds remain safe, and you can access them again upon returning to Singapore and reactivating your account.

Once your work permit is cancelled or expires, and you have left Singapore, your account will be suspended (frozen). Your funds will remain in the account, as it will not be closed but suspended (frozen). You will be unable to access your account or its balance. Your funds are protected and held for you should you return to Singapore to work in the future. To avoid inconvenience, work permit holders are advised to transfer their bank balances before their work permit is cancelled or expires and before they leave Singapore.

Frequently Asked Questions

Digital Token Activation Digital Token Usage Profile Update Block & Replace Card Remit New Daily Limit