At a Glance

Make learning to save and spend wisely hassle-free

Introduce your child to contactless payments with Smart Buddy, set savings goals, collect Smiley Stamps and watch their savings in their linked bank account grow, grow, grow!

Never miss an allowance and monitor spendings in real time

Set allowance for your child to pay digitally via their wearable watch/card and be notified of their spendings via your paired mobile app.

NEW! Develop healthy habits with health tracker

Utilise the tracking feature to track your child’s steps, monitor their heart rate, calories burnt, and set alerts to remind them to exercise, eat and sleep on time.


Let’s get you started:

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Features & Benefits

1. Seamless digital payments with the Smart Buddy watch/card

Your child can use the Smart Buddy watch or card to make contactless payments at Smart Buddy-enabled schools (check here). Better yet, the watch or card also works outside of school at over 10,000 NETS merchants island-wide. When making payment, just remember to inform the retailer to "Pay via NETS". At self-service kiosks, simply select the nets logo option.

You can also link them to our Smart Buddy mobile app and track their in-school spending as their school Smartcard and EZ-Link card are compatible with our app.

However, applying for Smart Buddy watch/card will allow your child to enjoy the full suite of benefits while learning good money habits.

Features available on Smart Buddy mobile app 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

*Only transactions made on Smart Buddy terminals in school and NETS retailers outside of school would be tracked and reflected in the app. The use of Smart Buddy for transport fares (i.e MRT/Bus) is not recommended as these non-NETS related transactions are not tracked and cannot be disabled via the app.

2. Mobile app to help you monitor and teach

With the Smart Buddy app, you can allocate allowances for your child and set saving goals to track it together. The app also lets you create a login ID for your child to monitor and be responsible for their spending.

By linking you and your child’s bank account to the app, allowances can be debited within set limits and savings can be auto-credited respectively.

3. Built-in features to cultivate good money habits

Stamp Savings is a fun and easy programme available at Smart Buddy enabled bookstores (check here), to help kids learn good money habits and save.

Student "buys" Smiley Stamps (S$0.50 each) with Smart Buddy allowance from the school bookstore.

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.

  • 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.
  • 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.

You can also link your child’s bank account to Smart Buddy, and the total unspent Smart Buddy allowance and Stamp Savings will be automatically transferred into their linked bank account on a monthly basis.

Give them a good head start in managing their finances with regular savings.

Step 1

Link my child’s account

Don't have a POSB/DBS account for your child yet? Find out more.

Step 2

Tap on your child's profile in the Smart Buddy mobile app

Download the full Smart Buddy app user guide

Step 3

Enable "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 10th of the following month

4. Level up their learning with the 5th Gen watch


Apply now

Smart Buddy is free for all parents with DBS / POSB deposit account to apply and download! If you do not have one, click here to apply before submitting the Smart Buddy Application for your child.

For Students
Tap-and-pay with Smart Buddy at their school's canteen and bookshop (if Smart Buddy is enabled), as well as at any NETS retailers outside of school with this logo:

Click here to check if your child’s school is Smart Buddy enabled.

Click here for a detailed guide on the application process. You will have the option of selecting either Smart Buddy watch with chip or Smart Buddy card during application.

Apply now

For Teachers
Find out more about Smart Buddy and apply here.


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.


The app is also compatible with your child’s School Smartcard and EZ-link card.


Note: The Smart Buddy app is published by Network for Electronic Transfers (SG) Pte Ltd.

Start on an award-winning programme today!


Frequently Asked Questions

Yes, children may opt to pay using their Smart Buddy or cash at the canteen or bookshop.

No. The Smart Buddy card/watch is not recommended for MRT and bus rides. All transit usage will be priced at full adult fare and users may experience intermittent performance. Allowance and Disable Account features on the Smart Buddy app does not apply to public transport fares.

If used, please note that the transit transactions will not be reflected in the Smart Buddy app. The transit fare charges will be accumulated for up to 5 days or after a total of $15 is spent on transit fares, whichever is earlier. The accumulated amount will then be posted to the parent debiting account as 'MRT/BUS' transactions after 3 days and postings will be reflected based on the processing time of the bank.

For further information or checks on trip details, kindly visit TransitLink website.

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".

Do note that disabling the account only disables its usage on Smart Buddy terminals and NETS retailers outside of school. Non-NETS related transaction (i.e MRT/Bus ride) will not be disabled.

Refer to the “More Information” section at the bottom of the “Lost or Damaged Smart Buddy Card/Watch” help and support page.

The watch is warranted for one year against manufacturing defects on the watch body and the watch electronic function itself. Signs of abuse and misuse will void the warranty. Straps are not covered in this warranty. Terms & Conditions apply.

If your watch is still under warranty, to replace your faulty watch, you will need to raise a replacement request through your Smart Buddy mobile app.

To find out if your watch is still under warranty or steps on how to raise a watch replacement request, refer to the ‘Smart Buddy Watch Warranty/Replacement’ section in the mobile app guide here.

If your watch is no longer under warranty, you may purchase a new Smart Buddy watch via eShoppenow.

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.

To automatically transfer your child's unspent allowance and stamp savings into his/ her own DBS/ POSB bank account, parents will need to first link your child's account with Smart Buddy and then turn on the 'Auto-transfer Savings' feature under your child's profile on the Smart Buddy mobile app.

You can check your child’s total monthly savings from the “Savings” screen on the POSB Smart Buddy app.

Auto transfer

Once done, your child's monthly savings [unspent allowance and stamp savings (if any)] will be transferred from your linked debiting account and into the linked child's account by the 10th of the following month. Parents are to ensure that there is sufficient balance in the parent's debiting account during the first 10 days for a successful crediting/ transfer.

Visit POSB Help & Support for step by step guides or find more FAQs here.

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