PayNow Bonus Lucky Draw

Register your NRIC and/or mobile number to PayNow with Maybank and stand a chance to win up to S$15,000.

By registering your NRIC to PayNow by 7 November 2018, you will receive your SG Bonus earlier. Find out more about SG Bonus here.

Promotion Period: 1 October - 31 December 2018



Terms and Conditions:

  • Promotion period: 1 October - 31 December 2018.
  • All individual Customers who have registered for PayNow, or who register for PayNow and perform above PayNow transactions during the Promotion Period, and have access to Maybank's Mobile Banking and Online Banking services are eligible for this Promotion.
  • The linkage of the Customer's mobile number and/or their NRIC number to the Customer's Maybank Savings Account or Maybank Current Account (the "Account") must be maintained by the Customer from the date of such linkage until the date the prizes are credited into the Winners' Accounts.
  • Prizes will be credited to the Winners' Maybank Account registered with PayNow within one (1) month from the notification date.
  • Full Terms and Conditions governing this Promotion applies.

PayNow with Maybank

With PayNow, you can send and receive money using NRIC/FIN or mobile number.
You can also make payments via PayNow to business using their UEN. There is no longer a need for an account number.

Scan & Pay with PayNow New!

You can now transfer funds and make payments using QR codes - all via PayNow. Simply Scan & Pay for your purchases, bills, online shopping and more.


If you have previously registered your NRIC/mobile number with another bank, please de-register before registering with Maybank.

How To Get Started?

To Receive Money

  • Option 1: SMS
  • Option 2: MOBILE APP
Step 1 of 4

To Send Money

  • Option 1: SCAN & PAY
  • Option 2: PAYNOW FT
Step 1 of 4
Step 1 of 4

Frequently Asked Questions


1. What are the operating hours of PayNow services?

All PayNow services are available 24/7 x 365.

2. What are the requirements for sending and receiving money via PayNow?

Sending Money
Individuals with Online/Mobile Banking access who can already make FAST payments.

Do not have Online/Mobile Banking access? Click here to get online/mobile banking access instantly!

Receiving Money
Individuals with
a. SGD Savings/Current/CreditAble Accounts AND
b. Singapore NRIC or Mobile Number (Local and Foreign numbers).

3. Will there be charges if I use this service?

It is free of charge for sending and receiving money via PayNow.

4. Are transfers via PayNow secure?

Yes, PayNow is secure and adopts the same high security standards established by the banking industry in Singapore for funds transfer.

Scan & Pay

1. What are the ways I can make a payment via a PayNow QR Code?

There are two ways to make payment via PayNow QR.

  1. Launch the Maybank Mobile Banking app and select the “Scan & Pay” option.
  2. Next,
    1. Scan QR code:
      Point your device at the PayNow-compliant QR code.


    2. Upload QR code:
      Upload a PayNow-compliant QR code picture from the photo album.
  3. Review the payment details displayed.
  4. Proceed with your payment.

2. Who can I pay via a PayNow QR Code?

You can make payment to individuals (via mobile number) and businesses (via UEN) who have registered under the PayNow scheme.

3. Why do the PayNow QR Code look different?

Customers of PayNow Participating Banks can generate PayNow-compliant QR codes for their own use. Although the QR codes may look different, you can scan them with the Maybank Mobile Banking app to validate if the QR code is PayNow-compliant. Please ensure that you verify the payment details before confirming the transaction.

4. The merchant asked me to scan a QR code that does not look like the PayNow QR but which carries a SGQR logo. Is it genuine?

If the QR Code has a SGQR logo, please check if the PayNow logo is also displayed at the bottom of the code. If present, you can scan it with the Maybank Mobile Banking app to validate if the QR code is PayNow-compliant. Please ensure that you verify the payment details before confirming the transaction.

5. How do I know that I am making payment to the intended recipient?

Upon scanning the QR code, the payment details will be displayed for your review.

Payments to a mobile number or NRIC/FIN are meant for individuals while payments to a UEN are for businesses.

For payments to individuals, please confirm the Nickname with your recipient before confirming the transaction.

If you are making a payment to a business, you can refer to to check whether the payment is being made to the intended recipient.

6. Can I generate my own PayNow QR code?

Currently, the Maybank Mobile App is unable to generate a PayNow-compliant QR code based on your mobile number.

7. Why can't I amend the reference and amount?

Your recipient may have preset the payment reference and amount. Hence, these values will not be editable when a payment is made.

8. What does the two options: "Up to S$1,000 daily" and "Above S$1,000 daily" mean?

  • Up to S$1,000 daily 
    You are able to perform transactions up to a cumulative amount of s$1,000 without using your security token.
  • Above S$1,000 daily 
    You can still use the “Scan & Pay” option for payment amounts above S$1,000. However, you will need your security token to complete the transaction.

9. Why is an "invalid QR code" message being shown to me?

You might receive an "invalid QR code" message when the QR code:

  • Has expired
  • Is invalid
  • Not generated according to the PayNow QR guidelines or specifications

To Send Money

1. Can I send money from a participating bank to a non-participating bank via PayNow?

No. PayNow only enables funds transfer between participating banks. Funds between a participating and non-participating bank can be transferred via other channels such as FAST or Interbank GIRO.

2. I'm seeing a Nickname after entering the mobile number or NRIC. Why?

The Nickname is a new feature introduced with the launch of PayNow to provide confidence to the sender that money is being sent to the intended recipient.

3. What are the differences between One-Off Transfer and Transfer to a New/Existing PayNow Payee?

Please refer to the table below:

  One-Off Transfer To a new/existing PayNow Payee
Maximum Daily Limit Up to S$1,000
Default to S$1,000
Up to S$200,000
Default S$3,000
SMS OTP / Transaction Signing Not required a. Transfer to a new Payee
  - Transaction Signing required
b. Transfer to an existing Payee
   - SMS OTP required

4. What should I do if I have transferred money to an unintended recipient?

Call the mobile number of unintended recipient, inform them of the erroneous transfer and request a return of the funds.

Contact us if there is no response from the unintended recipient. We will investigate and follow up with the recipient's bank on your request to have the funds returned.

To Receive Money

1. How do I use PayNow to receive funds?

You can only receive money sent via PayNow if you have linked your mobile number and/or Singapore NRIC to your Maybank account.

If you have linked your mobile number and/or Singapore NRIC to an account with another bank and you now want to link them to a Maybank account, you will first have to de-link your mobile number and/or Singapore NRIC with the first bank. Thereafter, perform the linking to a Maybank account.

2. How long will it take for PayNow registration with Maybank to be effective? How about amendment and de-registration?

Registration via SMS/Online/Mobile Banking are almost instant.

Amendment and de-registration via Online/Mobile Banking are almost instant too.

3. What are the requirements to register PayNow by SMS?

Individuals with
a. Singapore NRIC AND
b. Local Mobile number AND
c. SGD Savings/Current/CreditAble Account

4. What are the requirements to register PayNow by Online/Mobile Banking?

Individuals with
a. Online/Mobile Banking Access AND
b. Singapore NRIC or Mobile Number (Local and Foreign numbers) AND
c. SGD Savings/Current Account (Single or Joint-Or) or CreditAble Account

5. I do not have internet banking access. Can I register with PayNow?

Yes. You just need to SMS PAYNOW<SPACE>[full NRIC]<SPACE>[Last 6 digits of account number to link]<SPACE>[MOBILE or NRIC or BOTH] to 79899 from your mobile number registered with Maybank.

E.g. To link mobile and NRIC (NRIC: S1234567D; Account Number: 14112345678)
Send PAYNOW S1234567D 345678 BOTH to 79899.

After successful of registration, you will receive an instant confirmation SMS from us. Then you can start to receive money via PayNow!

6. What is the purpose of the Nickname?

The Nickname will be shown to the person who is trying to make a payment to you. Your name will be used as the nickname as default and can be amended. Please let the person know your Nickname before they make a payment to you.

7. Can I link NRIC and mobile number to different Maybank or non-Maybank Accounts separately? What happens if I have two phones?

Yes you can do it but each bank account should be tied to either your mobile or NRIC number. In other words, it is a 1-to-1 relationship where 1 bank account is tied to the mobile number and the other bank account is tied to your NRIC number or two mobile numbers to two different accounts.

8. Why does the system register me to Incoming Funds via PayNow Smart Alert?

As part of value-added services, customers will automatically be registered to Smart Alert for incoming funds via PayNow.

Please note that this will take up to 1 day to be effective upon successful of PayNow registration.

9. Can I opt out from Incoming Funds via PayNow Smart Alert?

Yes, you can manage this new type of SMART Alert via Online Banking. Just un-tick the checkbox of the service under the linked account.

Please note that this will take up to 1 day to be effective upon submission.

10. Can I change the Nickname after the initial registration?

Yes, this change can be done via Online/Mobile Banking.

11.If I want to receive money into a different account, can I change it after the initial registration?

Yes, this change can be done via Online/Mobile Banking.

12. Can I de-register from the service?

Yes, you can do so via Online/Mobile Banking. Please note that separate instructions are to be submitted if you wish to de-register both mobile number and NRIC.

13. What happens if I close the account which I have linked to receive money via PayNow?

Your previous linkage(s) will automatically be removed upon account closure. Please perform a new linkage for your another account.

14. What happens if I change my mobile number which I have registered to receive money via PayNow?

Your previous linkage will automatically be removed upon the update of your mobile number. Please perform a new linkage for your new mobile number.

15. What should I do if I have received money from someone I do not know?

It is a criminal offence to use money that does not belong to you. If you have received money and do not know where it came from, you should immediately contact us to authorise us to return the money to the sender. You should not utilise the money.


For the full set of FAQ, please click here.

Copyright © Maybank. All rights reserved. Maybank Singapore Limited (UEN: 201804195C). | Terms and Conditions apply. PayNow Terms and Conditions