Scan And Pay in Over 55 Countries Worldwide | OCBC Singapore

SCAN & PAY

Scan and pay in over 55 countries worldwide

Why you will love this

Pay in SGD directly using your bank account

No transaction fees, even for payments above RMB 200 in China

No extra apps, set up or wallet funding required

Who can use

Anyone above 18 years old with an eligible OCBC deposit account and the OCBC app

 

Claim your 50% off Welcome Voucher
Discover more Scan & Pay travel deals in the OCBC app.
Find out more

The most comprehensive Singapore banking app

with the most number of cross-border payment partners.

Seamless cross-border payments

Pay like a local with the OCBC app.

Watch Chen Liping and her friend scan and pay effortlessly overseas with the OCBC app.

  • Skip the money changers
  • Competitive FX rates, no transaction fees
  • Pay in SGD directly from your account
  • Scan and pay in over 55 countries with one app

You can do it all on the OCBC app!

有了OCBC app,什么都可以!

Watch Chen Liping show just how easy it is to pay in China.

Simply scan and pay any merchant QRs via Alipay+, UnionPay and Weixin Pay using the OCBC app.

  • No transaction fees (even for payments above RMB200)
  • Competitive real-time rates
  • No extra apps or wallet top-ups
  • Pay in SGD directly from your account

You can do it all on the OCBC app!

有了OCBC app,什么都可以!

Pay across China with Weixin Pay, Alipay+ & UnionPay in the OCBC app. For real!

  • No extra apps
  • No wallet top-ups
  • No transaction fees (even above RMB200)
  • Direct debit from your SG account
  • Competitive real-time rate

Family dinner rule: whoever pays first win. Scan & pay overseas with OCBC app!

With the OCBC app, you can now:

  • Skip the money changers
  • Competitive FX rates, no hidden fees
  • Pay in SGD directly from your account
  • Scan and pay in over 55 countries with one app

Pay like a local across the world. For real!

Alipay+, UnionPay, Weixin Pay, DuitNow, QRIS, PromptPay, PayPay – all in one app! Scan and pay overseas easily with competitive real-time rates and no transaction fees.  

Try it now on the OCBC app!

Scan and pay in over 55 countries. For real!

Simply scan and pay any merchant QR and enjoy no transaction fees worldwide (even for payments above RMB200 in Mainland China)

Try it now on the OCBC app!

One app, many ways to pay. For real!

你扫我,还是我扫你? Scan me or scan you?

Both! Pay overseas easily – just scan a merchant’s QR code or let them scan yours.  

Try it now on the OCBC app!

Pay overseas with peace of mind. For real!

Scan and pay overseas with your OCBC app, just like in Singapore!
✅ No extra apps or wallet top-ups
✅ No transaction fees (even for payments above RMB200 in Mainland China)
✅ 24/7 hotline support at no cost

Try it now on the OCBC app!

Go cashless during your travels with OCBC app
Scan and pay in over 55 countries worldwide

Scan and pay in over 55 countries worldwide

Use your OCBC app at participating merchants across Mainland China, Hong Kong SAR, South Korea, Japan and more.

Use your OCBC app at participating merchants across Mainland China, Hong Kong SAR, South Korea, Japan and more.

Enjoy no transaction fees

Enjoy no transaction fees

Make seamless payments with no transaction fees, even for transactions above RMB 200 in Mainland China.

Make seamless payments with no transaction fees, even for transactions above RMB 200 in Mainland China.

Pay in SGD from your bank account

Pay in SGD from your bank account

Enjoy competitive exchange rates and the convenience of paying directly from your bank account.

Enjoy competitive exchange rates and the convenience of paying directly from your bank account.

Where can I scan and pay in China?

Enjoy 100% payment coverage with Alipay+, UnionPay QR and Weixin Pay QR, no matter where you go Chinamaxxing, including MINISO, Starbucks, TOP TOY, Holiland, HEYTEA, Naixue, Haidilao Hot Pot, and more. Simply look out for the respective QR codes to scan and pay with your OCBC app.

Where can I scan and pay in Malaysia?

From shopping sprees to relaxing massages, simply look out for Alipay+, or DuitNow QR code and DuitNow’s participating partners’ logos such as Caring Pharmacy, Village Grocer, Watsons, and more to scan and pay with your OCBC app.

Where can I scan and pay in Japan?

Simply look out for Alipay+ or PayPay QR code to scan and pay with your OCBC app at over 3 million merchants, from convenience stores to retail shops such as Don Quijote, Takashimaya, UNIQLO and more.

Where can I scan and pay in Indonesia?

Simply look out for UnionPay or QRIS QR code to scan and pay at over 15 million participating merchants across Indonesia, including popular destinations like Batam, Bali and Bintan.

Pay at local merchants including hawker centres and retail shops, simply by scanning a QR code using your OCBC app!

Need cash instead? Simply scan the QR code on the ATM screen with the OCBC app to withdraw cash – no cards required.

Where can I scan and pay in South Korea?

Whether you’re reliving your K-Drama fantasy or stocking up on K-Beauty products, simply look out for Alipay+ and UnionPay QR code to scan and pay at at over 2 million merchants across South Korea.

Where can I scan and pay in Thailand?

Simply look out for Alipay+ or PromptPay QR code at over 8 million merchants across Thailand, including BTS stations. PromptPay QR linked to individual mobile numbers are not supported.

Scan and pay in over 55 countries

Simply look out for Alipay+ and UnionPay QR code at the merchant counter to make payment.

Alipay+ travel treat
NEW! The most Scan & Pay travel deals. More reasons to travel.

Traveling light? Sorry, not sorry. We just packed the OCBC app with more Scan & Pay travel deals than you can use.

Claim your discount vouchers and enjoy instant savings. Just Scan and Pay at participating merchants in Mainland China, Japan, South Korea, Hong Kong SAR, Macau SAR, Thailand and Malaysia.

Make every trip more rewarding with the OCBC app, the Singapore banking app with the most Scan & Pay travel deals and the first to be powered by Alipay+ Travel Treat.

Follow the steps below to enjoy your travel perks:

PROMOTIONS
NEW! 50% off Welcome Voucher*

Save instantly in Mainland China, Japan, South Korea, Hong Kong SAR, Macau SAR, Thailand and Malaysia!

Claim a 50% off welcome voucher (up to S$3) and discover even more Scan & Pay travel deals in the OCBC app, powered by Alipay+ Travel Treat.

*Welcome Offer Voucher must be manually selected before payment. Valid till 15 January 2027. Terms and conditions apply.

100% cashback* on your first overseas Scan & Pay via the OCBC app

New to overseas Scan & Pay?

Wherever your next adventure takes you, enjoy a little something back on your first overseas payment with Scan & Pay. Simply use Scan & Pay via the OCBC app to get 100% cashback, capped at S$5. No cash, no fuss, just seamless payment!

*Promotion is capped at S$5. Limited to the first 2,000 new overseas Scan & Pay users per month. Cashback will be credited to the Eligible New Customer's deposit account no later than four (4) calendar months after the end of the Campaign Period. Valid from 15 August 2026 to 15 January 2027. Terms and conditions apply.

Get up to 30% off at over 200 Alipay+ merchants at Shanghai Xintiandi

Shop, dine and explore Xintiandi and save up to 30% off at over 200 Alipay+ merchants when you Scan & Pay with the OCBC app. Promotion from now till 31 December 2026.

  • Enjoy 10% off your first 3 transactions at over 200 participating merchants, capped at RMB 30.
  • Enjoy 30% off your first 3 transactions at 20 participating merchants, capped at RMB 50.

View the full list of participating merchants

Limited to the first 180 redemptions per day. Terms and conditions apply.

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Before you start using overseas scan & pay

Eligibility

Minimum age

18 years old

Account required

Only an eligible OCBC deposit account can be used as the source of funds for Scan & Pay transactions. Apply now if you do not currently hold any of the following accounts:

360 Account
OCBC FRANK Account
Bonus + Savings Account
Monthly Savings Account
Passbook Savings Account
Statement Savings Account

DISCOVER MORE FEATURES

Experience the OCBC app now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

FAQs
Frequently Asked Questions
More questions and answers
What is Scan & Pay via the OCBC app?

It is a service that allows OCBC app users to conveniently scan supported QR codes at participating merchants in Singapore and overseas for instant, secure, and seamless payments.

What are the minimum and maximum amounts for overseas Scan & Pay transactions?

You can make overseas QR payments from SGD 0.10 or equivalent.

The maximum amount you can spend each day depends on the payment method used:
Alipay+ QR: SGD 3,000 per day
DuitNow QR: SGD 1,000 per day
PromptPay QR: SGD 1,000 per day
QRIS QR: SGD 1,000 per day
UnionPay QR: SGD 1,000 per day
Weixin Pay QR: SGD 2,000 per day

These limits cannot be changed. Depending on the payment network and market, additional transaction, daily, or annual limits may apply.

Are there any fees for using overseas QR payments?

No. Apart from the conversion rate applied, you will not incur additional fees from using the service.

The exchange rate is determined based on the prevailing wholesale interbank rate or government-mandated rate, as determined by the relevant payment network and/or payment service provider. The final exchange rate will be displayed in the OCBC app before you confirm your payment.

What should I do if I encounter an error while making payment?

Please check that your mobile phone has a stable internet connection before attempting the payment again.

If your payment is rejected, check that:

  • You have sufficient funds in your eligible OCBC SGD current or savings account.
  • You have not exceeded the applicable daily spend limit for the QR payment method used:
    Alipay+ QR: SGD3,000 per day
    DuitNow QR: SGD1,000 per day
    PromptPay QR: SGD1,000 per day
    QRIS QR: SGD1,000 per day
    UnionPay QR: SGD1,000 per day
    Weixin Pay QR: SGD2,000 per day

You should also ensure that you have not exceeded any additional limits imposed by payment networks or regulators.

Alipay+ QR payments (in Mainland China)

  • USD 5,000 or equivalent per transaction
  • USD 50,000 or equivalent annual cumulative limit

Weixin Pay QR payments

  • CNY 10,000 per transaction and daily cumulative limit
  • CNY 50,000 montlhy cumulative limit
  • USD 50,000 or equivalent annual cumulative limit

Please note that merchants may also be subject to acceptance limits imposed by their acquirer, payment network, or payment platform. As a result, payment failures may occasionally occur even when your account balance and spending limits are in order.

If the issue persists, please contact us and provide the following information:

  • Background / context of the case
  • Merchant / outlet name
  • Merchant / outlet location
  • Photo of the merchant outlet (if available)
  • Payment receipt or any information provided by the merchant
  • Screenshot of the transaction in the OCBC app (Transaction History)
  • Details of any alternative payment made, including a screenshot of the transaction (if available)

We will review the case and advise on the next steps. Please retain all receipts and supporting documents for reference.

I accidentally overpaid for my purchase. How do I get a refund?

Inform the merchant immediately and request a refund directly. This is usually the quickest and most effective way to resolve the issue.

If you are unable to obtain assistance from the merchant, please contact us and provide the following information:

  • Background / Context of the case –
  • Outlet name –
  • Outlet location –
  • Photo of outlet (if any) –
  • Payment Receipt / Note from outlet –
  • Screenshot of transaction in OCBC app (located within Transaction history) –
  • Alternative payment made (and screenshot of 2nd transaction) –

We will review the case and advise on the next steps. Please retain all receipts and supporting documents for reference.

More questions and answers