The transaction limit refers to the maximum amount you can send daily. The authorisation limit refers to the amount that you can send above which you will be asked to authorise the transaction (you may do so using OCBC OneToken, SMS One-Time password (SMS OTP) or your hardware token).
Manage all your transfers and payments from one place
Sending money or paying bills? Go to 'Transfers & Payments' in the OCBC Digital app.
benefits
Enhanced security
To prevent unauthorised transactions and ensure that you have a safe digital banking experience, you will occasionally be asked to authenticate your transactions using a code sent to the email address or mobile number in our records.
To prevent unauthorised transactions and ensure that you have a safe digital banking experience, you will occasionally be asked to authenticate your transactions using a code sent to the email address or mobile number in our records.
Easy to use
Find all our available transfer and payment services on the OCBC Digital app with just a few taps.
Find all our available transfer and payment services on the OCBC Digital app with just a few taps.
Wide range of services
Make transfers using PayNow or FAST, pay bills, manage your GIRO arrangements and gain access to many other tools for all your banking needs. Now, you can even change your daily transaction limits using the OCBC Digital app.
Make transfers using PayNow or FAST, pay bills, manage your GIRO arrangements and gain access to many other tools for all your banking needs. Now, you can even change your daily transaction limits using the OCBC Digital app.
what you can do
Transfer via PayNow
Pay bills
Make overseas transfers
Manage future or recurring transfers
Manage transaction limits
Add or delete payees
Set up or terminate GIRO services
how it looks on the app
Tools to
Tools to
PayNow transactions
Send and receive money instantly with just an NRIC/FIN or mobile number.
Local transfers
Make local transfers via FAST, GIRO or MEPS.
Overseas transfers
Send money overseas with no cable or commission fees.
Bill payments
Pay credit card bills and billing organisations.
Better manage your daily transactions
- Schedule future-dated or recurring transfers
- Set transaction limits
- Organise payee list
- Set up GIRO arrangements
FAQs
Common questions
More questions and answersWhat is the difference between a transaction limit and an authorisation limit?
Why do I need to take the additional step of authenticating – even for amounts below the authorisation limit – my transactions using a code?
As part of our measures to keep your account safe, this additional step ensures that transactions made using your account are performed by you.
My email address is incorrect. What should I do to receive my code?
When you are prompted to enter your code, select ‘Authenticate with SMS OTP instead’ to receive your code via SMS.
Thereafter, please update your email address using the OCBC Digital app, OCBC Internet Banking or any OCBC ATM. A fully activated OCBC OneToken or hardware token is required for this. The change will take effect after 12 hours.
What is the difference between ‘Transfers & Payments’ and the former ‘Pay’ and ‘Transfer’ features?
Our ‘Pay’ and ‘Transfer’ features have been consolidated into one place – ‘Transfers & Payments’. We introduced this upgrade to ensure you have the most seamless experience when using the OCBC Digital app.
Can I revert to the former version of the app where the Pay and Transfer features were separate?
Currently, this option is not available. By consolidating two features into one, we believe that the 'Transfers & Payments' feature will enhance your experience when using the OCBC Digital app.
If you have further questions, please visit OCBC Digital website.