Forgot your bank card? Here are 4 ways to withdraw cash in Singapore



It can be frustrating when you need to withdraw cash only to find your ATM card was left at home. Instead of borrowing money from your friends or colleagues, here are some ways to get cash without an ATM card.

Also read: What to do if your credit, debit or ATM card is lost in Singapore?

#1 SoCash

SoCash is a mobile app service that allows you to withdraw cash from thousands of participating stores in Singapore, including merchants such as Sheng Siong, 7-Eleven, Buzz, Killiney and UStars Supermarket.

To withdraw money without a credit card, simply select the amount of money you want to withdraw on the soCash app, which will list the nearest ATMs based on your current location. You can then go to that merchant to scan the QR code, make the payment, and collect your money.

The minimum withdrawal amount is currently $10 and you can withdraw in multiples of $10 up to a daily limit of $600. The good news is that this amount would not be part of your ATM’s daily withdrawal limit, which means you can withdraw money from soCash even after reaching your ATM’s daily withdrawal limit.


DBS and POSB customers can make payments using DBS PayLah! app or via direct debit from their DBS/POSB account. For the latter, you must connect to your mobile bank and enter the one-time PIN (OTP) code sent to your mobile phone.

Standard Chartered Bank customers can access the soCash functionality from in the SC mobile app. Look for ‘Get Cash’ in the menu and select soCash. Any cash withdrawal must be authenticated with a fingerprint or login credentials and the amount will be debited directly from their bank account.

For users of other bank accounts, you can make the payment via the DBS PayLah! app by registering as a non-DBS/POSB user, then top up your PayLah! wallet by FAST transfer from your bank account. Payments for soCash will be deducted from this PayLah! wallet.

soCash has a loyalty program called soCash Rewards, which incentivizes users to use soCash and refer their friends. For example, you could earn $3 in referral rewards for each friend you invite to the soCash platform, and at the same time, your friend would also receive $1 for signing up.

Earned rewards will be automatically deducted from your payout on the next transaction. For example, if you have $5 in rewards and cash out $50, then only $45 will be deducted from your bank account. Also note that you must withdraw an amount greater than the rewards earned, which will only be valid for 30 days and will expire if not redeemed by then.

Read also: Why I stopped withdrawing money from ATMs

#2 UOB Contactless Cash Pickup

UOB customers using smartphones with Near Field Communication (NFC) functionality will be able to withdraw money at selected UOB ATMs.

Before using this cash withdrawal method, you must link your UOB Visa or MasterCard credit/debit card to your checking or savings account. The card should then be added to your Apple Pay or UOB Mighty Pay. Android users also have the option of adding their UOB bank card to Mighty Pay for contactless withdrawals.

To withdraw cash from the ATM, hover your device over the ATM contactless symbol and select the card with ATM access. Once done, enter your ATM PIN and make your withdrawal.

For convenience, you can enter your preferred cash withdrawal settings on your card on UOB Mighty. This allows you to collect the preset cash amount once you enter the ATM PIN code without going through the usual transaction screens.

Also Read: Here’s Why the UOB One Account Could Be the Perfect Savings Account for Those in the Gig Economy

#3 OCBC Pay Anyone (added)

OCBC Personal Banking customers can use the OCBC Pay Anyone app to make cardless cash withdrawals at all OCBC ATMs in Singapore. This service is not available at UOB ATMs within the shared ATM network or at OCBC ATMs overseas.

The payment app can also be used for remittances both locally and abroad and can pay for your meals, groceries and taxi rides by simply scanning the merchant’s QR code or making a PayNow transfer via the merchant’s Unique Entity Number (UEN).

To withdraw money without a credit card, simply follow these 5 steps:

Step 1: At the ATM, you will need to tap on the “Withdraw cash using OCBC Pay Anywhere” button in the lower left corner of the ATM screen.
Step 2: You will then see a QR code generated and displayed on the ATM screen.
Step 3: Log into your OCBC Pay Anywhere app to scan the QR code.
Step 4: Select the amount you wish to withdraw and confirm
Step 5: Collect your money at the ATM

There are no service charges for using the cardless cash withdrawal service, although you are limited to a daily withdrawal limit of $1,000 which cannot be changed.

Also Read: OCBC 360 Account – Here’s How You Can Maximize the Interest You Earn on This Savings Account

#4 Cash withdrawal using a linked credit card

For most banks, your credit card can act as an ATM card. This can be done by linking your card to your checking or savings account. Just like a regular bank card, cash withdrawals will be debited directly from your account.

This should not be confused with a credit card cash advance, in which you take out a short-term loan from the bank based on your available credit limit. For cash advances, interest rates are compounded daily and rates are generally higher than typical credit card interest rates. In addition, cash advance fees may also be charged.

Read also : 11 things working adults in Singapore should know before applying for their first credit card


This article was first published on February 4, 2019 and has been updated to reflect new information.



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