Skip queues at the bank. Save time. Go Cashless.

Banking solutions to make your life easy and simple.

You can now credit salary directly to your Foreign Domestic Worker’s (FDW) POSB Payroll account via PayNow or monthly fixed transfers via Standing Instructions.

With an account, your FDW can also transact cashlessly to receive/transfer funds via PayNow and send money back home via DBS Remit with S$0 transfer fee! It’s easy, convenient and 24/7 anytime, anywhere!


Direct salary crediting

Benefits for EMPLOYER Benefits for FDW

Easy salary payment tracking

Easy tracking with all payment transfer records on hand and help safeguard interest of both employer & FDW.

Easy managing of salary

Secure and accountable salary payment with our digital services helps build trust with employer.

Go cashless, saves time

No more queuing for cash - transfer salary to a POSB Payroll account instantly at clicks of your fingers. Let PayNow or Standing Instructions help you save time.

Instant fund transfer

No longer a need to exchange account numbers, send money instantly with just the mobile number via PayNow.

No more distractions

We make banking simple for both of you so that you can better focus on tasks on hand.

Easy remittance back home

Remit salary back home via DBS Remit, all in the comfort of home setting.


For FDW: How to open your account online

Do take note that the account will be opened in your own name and please choose to complete the form manually under “MyInfo” section.

Here is the user guide to help you in the account application.

You would need the following documents and details to apply for a POSB Payroll account online.

  • Passport (minimum 6 months validity)
  • Work permit (front and back copies) or In-Principle Approval (IPA)1
  • Mobile number
  • Email address

1If using IPA, please upload a copy of page 1 and 2 “Helper’s copy” (not “Employer’s copy”).

Please key in promo code in this format: “SPF<space>FIN number” (example below)

Apply now


How to activate account

Activate using bank card (simultaneously activate a POSB Payroll account)

Activate bank card within 100 days via one of these options:

  1. Visit any DBS/POSB ATM with the PIN mailer
  2. Activate via DBS Website

After activating account - FDW login2 to digibank for the first time

  1. Download POSB digibank Mobile app on FDW’s phone
  2. Set up digibank profile on digibank Mobile app using card number, card PIN and digital token registration code
    1. Launch digibank Mobile app and choose "Get Started" at login page
    2. Fill in the details on screens
    3. Create user ID & iB PIN3, complete digibank profile set-up and log out
    4. Log in with newly created user ID & IB PIN and activate digital token using registration code received in mailer

2FDW card and account need to be activated first before FDW can login to digibank.

3Note that iB PIN can be set the same as bank card PIN but subsequent change of iB PIN will not affect bank card PIN, vice versa.

Register FDW’s mobile number on PayNow

With PayNow, you can send money instantly with just the mobile number of any recipient, no more need to exchange account numbers. To start receiving money from anyone, simply register for PayNow via digibank Online or digibank Mobile.

Register on Mobile - digibank app

Step 1: Log in to digibank app
Step 2: Go to 'Transfer/PayNow'
Step 3: Click on 'Register PayNow'
Step 4: Click on 'Register my Mobile Number’

Register on Desktop - Online Banking

Step 1: Log in to online banking
Step 2: Go to 'Transfer - To Mobile Number'
Step 3: Click on 'My Registrations'
Step 4: Click on 'Register my Mobile Number'

Register via SMS

Important information

  • SMS Banking services will cease progressively from February 2023

Simply send an SMS in following formats to register:

Register your mobile number with PayNow

SMS to 77767 in this format^:

PayNow<space>register<space>mobile<space>your preferred 5bank account’s last 4 digits<space>your preferred nickname

[example SMS]

^Note: We do not require your actual mobile number in your SMS to 77767. e.g. 91234567

5Your preferred account is your primary current/savings personal account that will be used to receive funds for PayNow through your mobile number.


Transact Cashlessly

Go cashless for your day-to-day transactions and save yourselves more time for better things in life!

  • Set up Standing Instructions for monthly recurring direct salary crediting of fixed amount to FDW’s account (recurring instructions can be set to start at a later date).
  • Send and receive funds instantly via PayNow with just the mobile number.
  • For non-fixed salary amount to FDW’s account, transfer instantly via PayNow to her mobile number.

    Transfer now

    FDW needs to register on PayNow to start receiving funds instantly

  • Send money back home via DBS Remit with $0 transfer fee!


  1. I am unsure how to open a POSB Payroll account online.
    Please refer to the user guide on POSB Payroll account opening here.

  1. I have changed my mobile number, how should I inform the bank to update my records?
    It is important that you update your mobile number with us immediately via digibank, using our Video Teller Machine (VTM) or at any DBS/POSB branches.
  2. I am no longer using this mobile number, how do I deregister my PayNow profile?
    You can deregister your PayNow Profile instantly via digibank Online or digibank Mobile

If you have further queries on how to open a POSB Payroll Account online, please contact

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