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POSB Smart Buddy
Go cashless to minimise contact risk.
POSB Smart Buddy
At a Glance
The POSB Smart Buddy card/ watch unlocks a world of contactless payments and financials for your child in a world that’s going cashless. We keep them safe by pairing it with a mobile app, that gives you control and oversight of their spending.
Teach your child money matters they can carry for life.
| Quick links to get you started: | ||
|---|---|---|
| New here? | Ready to apply? | Link my child’s account |
| Applying as a teacher / staff of a Smart Buddy enabled school? Click here. | ||
Why Smart Buddy
Never miss an allowance
Set a daily allowance on the Smart Buddy app so your child can pay with their card/ watch, directly debited from your linked bank account.
Peace of mind with transactions you can keep an eye on
Keep track of transactions made on your child’s Smart Buddy card/ watch via the Smart Buddy app’s parent view.
Focus on helping your child learn to save, hassle-free
With the Stamp Savings programme and saving goals. Savings can be automatically transferred to your child’s linked bank account.
Teach your child good money habits
Help them learn to manage daily spendings and savings with simple visualisations on the Smart Buddy app’s child access.
Questions? Check out the FAQs here
Apply for Smart Buddy
For parents of students from Smart Buddy enabled schools
Click here to check if your child’s school is Smart Buddy enabled
This means your child can tap-and-pay with Smart Buddy in their school (including selected canteens and bookshops), and at any NETS retailers out-of-school.
Smart Buddy options available for your child:
| Primary school (6 to 12 years old) | Smart Buddy Watch and Card, OR Smart Buddy Card only |
| Secondary school (13 to 17 years old) | Smart Buddy Card only (without watch) |
Your child’s school not Smart Buddy enabled yet? Submit a request here.
For teachers and/or staff of a Smart Buddy enabled school, click here.
For parents of students from non-Smart Buddy enabled schools
You can still apply for a Smart Buddy card (without watch) for your child to tap-and-pay at any NETS retailers out-of-school with this logo: 
Some retailers include:
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Get the Smart Buddy app
Download the app now to explore the full suite of features as a parent, or check out the user guide here. If your child has a smartphone, they can access limited functions with the child view.
Note: The Smart Buddy app is published by Network for Electronic Transfers (SG) Pte Ltd.
Want to use Smart Buddy without a Smart Buddy card/ watch?
The Smart Buddy mobile app is also compatible with your child’s School Smartcard and EZ-Link card. See what you can do:
| Smart Buddy Card / Watch | School Smartcard / EZ-Link | ||
|---|---|---|---|
| Disable card when lost |  |  | |
| Auto-transfer child's Smart Buddy savings to their account | | | |
| Set child's allowance with spending limit | | | |
| Child's allowance debited from | Parent's linked bank account | Stored value in card (top-up required) | |
| View transactions in-app (available in both parent and child access) | All transactions (in and out-of-school) | Only transactions in school | |
Power up your Smart Buddy experience
Setup auto-transfer of Smart Buddy savings to your child’s account
Help your child learn good saving habits through Smart Buddy. Automatically credit their unspent Smart Buddy allowance and Stamp Savings to their account by following these steps:
 | Step 1Activate your child’s MyAccount here. Don't have a POSB/DBS account for your child yet? Find out more. Step 2Tap on your child's profile in the Smart Buddy mobile app Download the full Smart Buddy app user guide Step 3Enable "Auto-Transfer Savings" option. Your child's total Smart Buddy savings will now be auto-transferred to their linked account every month* |
* Transfer of savings to the child's linked bank account will be completed by the 15th of the following month
Start your child's savings journey with Stamp Savings
Stamp Savings is an fuss-free in-built programme available at Smart Buddy enabled schools and bookstores (check here), to help your child learn and save.
Learn how it works:
Student "buys" Smiley Stamps (S$0.50 each) with Smart Buddy allowance from the school booktore.
Allowance used is stored as Stamp Savings, and will be automatically credited to their linked account each month.
S$1 Bonus Dollar rewarded as part of Stamp Savings for every 20 Smiley Stamps purchased per month.
Notes:
- The total Stamp Savings Value savings will be credited to the parent's linked bank account if there is no active child's account linked with Smart Buddy. Find out how to link your child's account here.
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S$1 Bonus Dollar reward is only eligible to Smart Buddy users who have
- At least 1 completed Smiley Savings Card (i.e. 20 Smiley Stamps)
- An active child's account linked
- S$1 Bonus Dollar will only be rewarded up to once every month
- The total Stamp Savings Value (including S$1 Bonus Dollar) will be credited to the linked child's account (if any), regardless of the "Auto-Transfer Savings" status.
Resources
Resources
Top questions
Is cash still accepted in these participating schools?
Yes, children may opt to pay using their Smart Buddy or cash at the canteen or bookshop.
What should I do if my child loses his/her Smart Buddy watch?
You may temporarily disable the Smart Buddy watch by switching the "Disable Account" to "On" under your child's profile. In the event the watch is found, you may enable it again by switching the "Disable Account" to "Off".
To permanently terminate the payment chip, you may contact POSB hotline at 1800 111 1111 and request for a replacement. There will be a fee of S$30 for a replacement.
My child's Smart Buddy watch is faulty (i.e. damaged, unable to charge), what can I do?
Your child may perform a 1-to-1 exchange at selected Smart Buddy enabled primary school’s General Office (excluding Pacific Bookstores only schools). Click here for the list of Smart Buddy enabled schools.
Alternatively, you may perform a 1-to-1 exchange at our Replacement Centre:
Smart Buddy Watch Service Centre (c/o STYL Solutions Pte Ltd)
3015A Ubi Road 1, #06-02, Singapore 408705
Operation Hours: Monday to Friday, 9.30am to 5.30pm
(Closed on Public Holidays)
*Note: Please call 6518 3127 to make an appointment prior to your visit.
Do remember to remove the payment chip from the faulty watch and insert it into the new watch. Thereafter, set up the new watch via the ‘Watch’ section on the Smart Buddy Mobile App.
Is the Smart Buddy app a wallet?
No, it is not a wallet. The Smart Buddy app only provides transactional info (e.g. allowance balance, spending and saving trends etc.) and useful tips on personal finance and money matters for both parent and child.
How does the “Auto-transfer Savings” feature work on the POSB Smart Buddy app?
With POSB Smart Buddy, you can automatically transfer your child's Allowance and Stamp Savings into his/her DBS/POSB deposit account.
You will need to link your child's account to Smart Buddy and enable the 'Auto-transfer Savings' toggle under your child's profile on the Smart Buddy Mobile App.
Once linked, your child's monthly savings [allowance and smiley stamps (if any)] will be deducted from your linked debiting account (i.e. the parent’s account linked to your child's Smart Buddy) and transferred into his/her bank account by the 15th of the following month.
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