DuitNow QR is Malaysia's national QR payment standard.

OCBC app users can scan and pay securely at participating merchants that accept DuitNow QR payments across Malaysia.

You can do so at participating merchants in Malaysia that display the DuitNow acceptance mark at the store or the cashier:

The acceptance mark should also be displayed together with any of the following financial institutions:

• Ambank
• Boost (Axiata Group Berhad)
• Hong Leong Bank
• Maybank (MAE)
• Public Bank
• Razer Merchant Services
• TNG (Touch n' Go)
• UOB
• OCBC Bank
• CIMB Bank
• Finexus
• Bank Islam
• NTT DATA

You can pay by scanning the merchant's DuitNow QR code:

1. Open the OCBC app and tap Scan & Pay.
2. Scan the merchant's DuitNow QR code
3. Enter the payment amount and view the exchange rate.
4. Review and confirm the payment.
5. Payment completed.

There is no option to generate your own QR code to pay.

You can make payments from SGD0.10 or equivalent. The maximum you may pay per day (daily spend limit) is SGD1,000 or equivalent, shared across DuitNow QR and DuitNow-PayNow transactions. This limit cannot be changed.

You will be charged in SGD (based on the exchange rate displayed). Payments can only be made from your SGD account.

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

The foreign exchange rate is determined based on prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective Card Associations and/or payment service provider.

Conversions shall be based on a mark-up of 2% above the foreign exchange rate. The mark-up serves to cover services provided and administration by us and our service providers in connection with foreign currency transactions.

The exchange rate will be valid at the point of inputting the transaction amount. Should you close the OCBC app or idle too long in the OCBC app and get logged out, the exchange rate will be refreshed.

If the purchase amount exceeds SGD 200, for your account security, transaction signing with your OCBC OneToken or hardware token will be required.

Yes, DuitNow QR uses the EMV specifications which is in line with global payment security standards.

No, your personal information will not be shared with any third party throughout the entire payment process.

No, you can simply scan and pay with using OCBC app. Payment will be debited from your selected OCBC SGD current or savings account.

Please note that DuitNow transactions cannot be debited directly from your GSA/PGSA.

Please check that your mobile phone's internet connection is stable.

If your payment is rejected, ensure that:

• You have sufficient funds in your eligible OCBC SGD current or savings account; and
• You have not exceeded the maximium daily spend limit of SGD 1,000 or equivalent.

Merchants may also be subjected to additional acceptance limits imposed by their acquirer or payment network. As a result, you may occasionally encounter payment failures even when your account and 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.