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?

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Ready to apply?

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Link my child’s account

Find out more

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.



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

With Smart Buddy, your child would now be able to enjoy a fuss free tap-and-pay experience both in school (at canteens and bookshops) and out of school (at any NETS retailers).”

Apply now

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:

  • 7-Eleven
  • Cheers
  • Cold Storage
  • Daiso
  • HAO Mart
  • Koufu
  • National Library Board
  • NTUC FairPrice
  • Sheng Siong

Apply for card now


Exclusive Perks

  • Receive a complimentary S$5 Flying Cape eVoucher when you sign up for POSB Smart Buddy.
  • Flying Cape is Singapore’s largest online tuition and enrichment platform that can help you find the right classes based on your child’s unique needs.
  • The redemption code will be sent to you in welcome email after successful application of Smart Buddy. Proceed to redeem the voucher by entering the redemption code before checking out via the link below:

Complimentary S$5 Flying Cape eVoucher

Limited to the first 8,000 redemptions​

Redeem Now

T&Cs apply.


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

*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.


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 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 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 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.


Top 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.

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.

Your child 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
  • Saturday, 9am to 12.30pm (only from 01 Sep to 25 Mar 2023)

(Closed on Public Holidays)

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.


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.

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 total monthly savings [allowance and Stamp savings (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.

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

Auto transfer

Can’t find what you’re looking for? Visit POSB Help & Support to find out more.

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