Instant transfers
Send and receive money using a mobile number, NRIC/FIN or UEN—without entering a bank account number.
UBGROUPSG Pulse
PayNow
Enjoy fast, seamless and secure payments at your fingertips. Register and transact through UBGROUPSG Pulse.
Benefits
Send and receive money with confidence
Faster payouts
Link NRIC/FIN to PayNow to receive eligible government payouts more quickly.
Status notifications
Receive PayNow status notifications through your bank-registered email or mobile number.
Review before sending
Confirm the recipient and transaction details before completing each transfer.
How to use PayNow
Everyday payment guides
Pay via DuitNow QR
Scan a supported Malaysian DuitNow QR and review the exchange rate and recipient before payment.
Register for PayNow
Link an eligible mobile number and/or NRIC/FIN to your preferred UBGROUPSG account.
Add a payee
Choose the PayNow proxy type, enter the proxy and verify the displayed recipient name.
Transfer via PayNow
Select a registered payee or enter a proxy, add the amount and confirm the transfer.
Generate a PayNow QR
Create a personal QR code in UBGROUPSG Pulse so another person can scan it to pay you.
Transfer to a VPA
Pay an eligible non-bank financial institution account using its Virtual Payment Address.
Transfer to PromptPay
Send funds to an eligible Thailand PromptPay mobile number after reviewing the rate and fees.
Getting started
Register in UBGROUPSG Pulse or by SMS
PayNow supports a mobile number, NRIC/FIN, company UEN or Virtual Payment Address. Only NRIC is accepted as the proxy for eligible government payments.
SMS to 71423
PAYNOW T1234567E 8888 NRICUse: PAYNOW, a space, the full NRIC or Birth Certificate, a space, the last four account digits, a space, then the word NRIC.
SMS to 71423
PAYNOW T1234567E 8888 MobileUse the same format and enter the word Mobile in the final field; do not type the actual mobile number there.
Useful information
Registering children and joint accounts
PayNow for a child
A parent may register a child’s Birth Certificate number or eligible mobile number to a supported child account, subject to account and guardianship requirements.
Joint Savings or Current Account
An eligible PayNow proxy may be linked to a qualifying joint account where registration conditions are met.
Changing banks
Deregister the proxy from the other bank before registering that same mobile number or NRIC/FIN with UBGROUPSG.
Security reminders
Check every payment before you confirm
Verify the registered name
Review the masked registered recipient name shown by PayNow and make sure it belongs to the intended person or business.
Never approve an unknown request
Do not disclose your password, PIN or one-time password. Stop and contact the bank if a payment instruction seems suspicious.
Important notice
From 6 June 2026, PayNow nicknames are replaced by masked registered names to help customers identify recipients. Service availability, limits, cross-border exchange rates, fees and eligibility are governed by the applicable UBGROUPSG and PayNow terms.