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Frequently Asked Questions

  • Can I add iChange Debit Card to my Apple Wallet?
    Yes, you can add your iChange Debit Card to Apple Wallet in order to make payments with Apple Pay. Simply follow the instructions here to set up your iChange Debit Card on Apple Pay.
  • Are there any fees to use Apple Pay with iChange Debit Card?
    There are no additional fees or charges from iChange to use your iChange Debit Card with Apple Pay.
  • What Apple devices are compatible with Apple Pay?
    Apple Pay works with iPhone 6 and later in stores, apps, and websites; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac (2012 or later) in Safari with an Apple Pay-enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices.
  • Where can I use Apple Pay?
    You can use Apple Pay to make payments anywhere contactless payments are accepted. Simply look for the contactless symbol or Apple Pay mark. You may also use Apple Pay in-app and on the websites when you see the “Buy with Apple Pay” button or Apple Pay as a payment option
  • What is my Device Account Number, and where can I find it?
    All cards stored in Apple Pay are allocated a Device Account Number. This unique number ensures your payment information isn’t stored on your device or shared with the merchant when making a payment. You can find your Device Account Number by opening the Wallet app, selecting your card and tapping the three dots on the top right side.
  • Where can I find out more information about Apple Pay?
    Find out more information about how to make secure payments with Apple Pay, and how to set up Apple Pay with your iChange Debit Card, here.
  • Have a question which isn’t answered here?
    Contact us!
  • 1. What exactly is an iChange wallet?
    iChange is a multi-currency digital wallet that allows you to send and receive international payments from a single worldwide wallet. Send money overseas, or send money locally to friends. Pay your local and international bills, top up your prepaid mobile phones, pay for your hawker meal with scan and pay (SGQR), and conduct online and offline Mastercard transactions.
  • 2. Where is my money stored?
    The safety and integrity of your funds with iChange is of utmost priority to us. Your iChange funds are deposited into an account held with the DBS Bank Limited and CIMB Bank by SLIDESG PTE LTD, a Major Payment Institution approved and licensed by the Monetary Authority of Singapore under the Payment Services Act and is subject to MAS oversight. Your money is therefore stored independent from iChange accounts in a safe and regulated manner. To further add to the security, all your card transactions are proceeded through the stringent Mastercard processes and is protected by Mastercard rules and standards.
  • 3. Is the iChange wallet safe?
    Your iChange Wallet is password-protected, and each transaction requires you to enter your password or use your fingerprint. All transactions are encrypted for security. After a transaction is finished, you will be notified in the message.
  • 4. What is the procedure to create a wallet?
    Install the 'iChange' app from Google Play or the Apple App Store. Enter your display name, password, mobile phone number, and birth date (same date as your identification card). Enter the OTP (One-Time Password) that was sent to your mobile phone through SMS. You will see a completed iChange App with a wallet and card feature.
  • 5. Is there any additional cost for creating a wallet?
    There is no additional charge for wallet creation.
  • 6. How should I use the balances in my wallet?
    You may send money to individuals locally or abroad in the form of physical cash or digital currency. On our app, eligible nations are listed in our app. Pay for your hawker meal with scan and pay (SGQR), top-up your prepaid phones, pay domestic and international invoices, and conduct MasterCard transactions both online and offline.
  • 7. How can I add money to my wallet?
    Customers may instantly top up their wallets using PayNow, instant banking Fast transfers, and the 400 7-Eleven stores across the island.
  • 8. Can someone withdraw money from my iChange account if I lose my phone?
    No. Your iChange Wallet is password-protected, and every transaction requires the approval of either your password or your fingerprint.
  • 9. Can I use the funds in my wallet to reserve and purchase the currencies?
    iChange supports reserve and buy later for a limited time, according to terms and conditions
  • 10. Why should I do KYC at registration time?
    You must be 18 years of age or older, a Singaporean, Permanent Resident, or Foreigner with a valid work visa (Employment Pass/ S Pass/ Work Permit), and have a Singapore mobile phone number, according to MAS. For identification, Singaporeans/Permanent Residents should use their NRIC number, while foreigners with work visas should use their FIN number.
  • 11. How can I change my old password?
    To update your password, the following actions should be done: open the iChange app and tap ‘profile’ > click ‘edit mark’ > click ‘Password’ > type your old password > type in a new password > Re-enter the new password to confirm it. Your password will be successfully changed.
  • 12. Can I use iChange app for scan and pay?
    The app allows users to pay for their meals at over 12,000 locations in Singapore. The scanning feature can also be used to make a payment to another wallet user.
  • 13. What features does a wallet have?
    The iChange wallet has the following features: Supports Mastercard transactions Overseas and Local Remittance Money changing services Send Local to friends Scan and pay support through (SGQR) Pay your local and Overseas bills.
  • 1. How do I get a Mastercard?
    Verified users can apply for a virtual or physical MasterCard card. The card may be used for both online and offline purchases.
  • 2. What if my question is not answered here?
    If you don't see the answer to your query in our FAQs, you can either use our Contact Us form to get in touch with the Support team or click the WhatsApp link in the menu.
  • 3. Can I pay my billers who accept Mastercard directly from this site?
    Yes, we’ve integrated billers to the iChange app.
  • 4. Which cards can I use to pay bills?
    You can use either your virtual OR physical card.
  • 5. Is there a fee for using a Mastercard to pay bills?
    Mastercard does not impose a fee for bill payment, while your service provider may. Inquire about any fees or restrictions related to using your Mastercard to make a payment.
  • 6. How do I use a Mastercard to pay a bill?
    To make a payment electronically, contact us with your biller. They frequently accept payments through their website.
  • 7. What if my query isn't addressed here?
    If your query is not answered here, please contact the Support Team that issued your card. On the back of the card, look for a customer support number. You may also send an email to WhatsApp/Hotline Support: +65 3129 2937 (Daily 7am – 10pm) WhatsApp/Hotline for Compliance: +65 9616 5788 or 9617 7488 (M-F 9am – 6pm).
  • 8. What is a chip card?
    Similar to a standard magnetic stripe card, a chip card features an inbuilt microchip that encrypts your information, making it very challenging to copy or counterfeit the card. To complete the transaction, you insert the chip end of your chip card into the terminal rather than swiping it. If offered the option, you can just touch your card at the checkout if it has contactless capability. You may use your chip card at any retailer, even if they haven't switched over to modern, chip-enabled terminals, because it also has a magnetic stripe on the back.
  • 9. What advantages does the chip offer?
    Strong security features and other functions that are not achievable with conventional magnetic stripe cards are provided by the embedded chip. It is nearly impossible to counterfeit a chip card.
  • 10. Where can I use my chip card?
    You can use your chip card anywhere a magnetic stripe card is accepted. You can swipe it or insert it into terminals that support chip technology. Your chip card functions similar to a conventional magnetic stripe card in that you can use it at ATMs, over the phone, and online.
  • 11. How can I tell if my chip card supports Mastercard contactless?
    Cards with contactless capability will bear the word "contactless" and may also bear a contactless symbol. You can pay at merchants who display the following icon, )))) or have contactless payment on their terminal: On the terminal, there is a contactless symbol. If a merchant lacks this function, you must insert your chip card into the terminal.
  • 12.What is a contactless Mastercard?
    Mastercard contactless is like always having exact change with you. To pay at the register, simply tap your card, key fob, or smartphone.
  • 13.Why should I use contactless technology?
    Contactless payments have numerous advantages: It's like always having exact change, so you don't have to worry about carrying cash or fishing for coins. Because your contactless-enabled card or smartphone never leaves your hand at checkout, you're in command. When you use a credit card, you can keep records of all your purchases better than when you use cash. It’s quick and suitable for situations where speed is critical, such as stadiums, fast food outlets, gas stations, and so on.
  • 14. Can I make ATM withdrawals outside of Singapore?
    Yes, you can make ATM withdrawals outside of Singapore at international ATMs.
  • 15. How much does it cost to withdraw cash from international ATMs?
    Withdrawals at international ATMs are charged at $5 per withdrawal.
  • 16. Will I be charged any additional fees by the ATM provider for making an ATM withdrawal internationally?
    Yes, apart from the $5 fee per withdrawal, the ATM provider may also charge you an additional fee for using their ATM.
  • 17. Are ATM withdrawals allowed within Singapore?
    No, ATM withdrawals are not permitted within Singapore. Please consider alternative methods for accessing cash while in Singapore
  • 1. What exactly is PayNow?
    PayNow is an electronic cash transfer service that allows you to send SGD monies to a payee instantaneously by utilizing the payee's selected cellphone number, NRIC/FIN or UEN number, or Virtual Payment Address (VPA) rather than his/her bank account number. A payee can receive funds using PayNow if he or she has a Singapore bank account with one of the PayNow participating banks or wallets and has registered his or her mobile number, UEN, NRIC/FIN, or VPA as a PayNow Proxy with the participating bank or wallet.
  • 2. Which app services are PayNow compatible?
    You can top up your iChange Wallet with PayNow and then utilize the money in any of the services offered by the app. In addition, you can pay for your remittance transactions immediately using it.
  • 3. How do I use PayNow to top up my iChange wallet?
    To top up your iChange Wallet with PayNow, follow these steps: Exit the app to launch your ibanking app that supports PayNow and upload the QR code You will then receive the amount credited to your iChange Wallet as well as an SMS/in-app notice verifying the top up
  • 4. How do I use PayNow to pay for my remittance transaction?
    Pay your remittance transaction with PayNow by following these steps: Choose the payment mechanism 'PayNow' and 'iChange' to Confirm' on the remittance payment screen. Allow the app to be open while you open your iBanking app that supports PayNow and upload the QR code.
  • 5. Do the PayNow QR codes expire?
    PayNow QR codes seen at the top up page on the (position; e.g top right) of the website do not expire, but remittance QR codes expire one day after they are generated.
  • 6. What should I do if I forget to finish my PayNow payment for my remittance transaction?
    Please keep in mind that the PayNow QR code created after submitting a remittance transaction expires after one day. The remittance transaction will also expire when the PayNow QR code expires. You must enter a fresh transaction on the app in order to send money in the future.
  • 7. What should I do if my PayNow transferred money not get in my iChange Wallet?
    Please call our Helpdesk at 3129 2937 if you have any questions concerning PayNow top up. To assist in the inquiry and manually approve the top up, our Helpdesk may request the payment receipt as evidence of the top up.
  • 8. What should I do if my Paynow to iChange remittance is successful but my remittance failed in the iChange app?
    You will get a refund into your ewallet if your transaction was unsuccessful in your iChange wallet. The money can be used to start a fresh transaction in the app.
  • 9. What is the maximum amount I may add to my account using PayNow?
    Depending on the account you opened with us, your top-up limit may vary. You are able to top up your account with up to SGD $1,000 if you are an unverified user. The maximum top-up amount for verified users is SGD $5,000.
  • 1. How can I start using the iChange currency?
    Following registration, you can see the exchange rates, add funds from a bank, PayNow, or 7-11 merchant, choose the recipient nation, and send it.
  • 2. How do I complete a transfer?
    You can check your transfer by doing the following: For remittance: Overseas: Home page > ’Send money' > ’Send Overseas’ > ‘Status’ > View Receipt & Status For local: Home page > ‘Send money’ > ‘Send local’ > View Receipt & Status For exchange money: Digital currency: Home page > ‘Exchange' > ’Digital currency’ / 'cash currency'> ‘Status’ > View Receipt & Status
  • 3. What exchange rate will I get?
    We have been provided the best deal in the present market.
  • 4. Will I have to check the app every time I wish to monitor exchange rates?
    Yes. You will check in at that time for a better deal.
  • 5. How can I get assistance for a login issue?
    Please contact the iChange support team to overcome the issue.
  • 6. Why does the iChange app want to know my location?
    You can find a local iChange enabled store nearby by using the location. You can easily exchange money.
  • 7. How can I convert a non-SGD currency to an SGD currency?
    You can choose the top-down currency list on the iChange app. You get to pick the currency you want.
  • 8. Can I send cash to friends who don't have an iChange account?
    No. The recipient will need to create an iChange account to be able to collect the money transferred into the account.
  • 9.How can I delete my recipient?
    Go to User app Select Send Overseas Go to recipient page Click on ‘Edit’ Tap the ‘X’ button on top of the recipient you want to delete Tap ‘Ok’ Recipient successfully deleted Recipients can only be added in groups of five at once. To add a new recipient, the customer must delete one of the five recipients already present.
  • 10.Why couldn't I find my recipient's city or province in the app's list?
    Provide the recipient's nearest city or province instead.
  • 1. What should I do if I just topped up my wallet in 7-11,but the money is not added in my iChange Wallet?
    Please contact our helpdesk hotline at 31292937 if you didn't receive your top-up in your iChange Wallet.
  • 2. Can I top up my iChange wallet at any 7-Eleven?
    Yes, the 7-Eleven locations listed in the app now allow iChange Members to top up their iChange Wallets. Open the iChange app and select "top up" to get a list of all 7-Eleven locations where you can top up. Choose 7-Eleven. Choose "Find a 7-Eleven Shop" from the menu. Hit the search button.
  • 3. Where can I get a 7-Eleven top-up?
    You may top up at any of the 400 7-Eleven outlets located throughout the island.
  • 4. How do I top up at 7-Eleven?
    Open the iChange app, select the top-up icon, then choose the "7-Eleven top up" option. A QR code will appear, which you should display to the appropriate staff.
  • 1. Who can send money overseas?
    You must be at least 18 years of age, a Singaporean, Permanent Resident, or Foreigner with a current work permit (Employment Pass/S Pass/Work Permit), as well as possess a Singapore mobile phone number. For identification purposes, Singaporeans and Permanent Residents use their NRIC number, whereas foreigners with work visas use their FIN number.
  • 2. If I'm not a Singaporean, can I register using my passport?
    No, you may only use your FIN with your work permit, S Pass, or employment pass.
  • 3. How many countries can I send money to using iChange?
    Once you press ‘send money’ > ‘send overseas’, you can see the list of supported countries.
  • 4. How can I transfer my money abroad?
    Open the app > click send money > send overseas > choose country where you want to send > type the amount you want to send > choose collection mood and delivery time > choose to cash pick up or bank account > click you pay > choose recipient or tap "+" to add new recipient > slide to pay > type your password > type the OTP you will receive in SMS > Money will be transferred.
  • 5. How can I track my remittance's progress?
    There are 2 areas where you may check the status of your remittance: Home page > ‘See All’ Home page > ‘Send Money’ > ‘Send Overseas’ > ’Status’ >View Receipt & Status
  • 6. Will I get a receipt for my successful remittance?
    Yes, you will get an in-app notification about your successful remittance. At the Home page, tap ‘send money’ > ’send overseas’ > tap ‘status’ > tap ‘send’ to see all your remitted money transactions > tap any ‘processed’ transaction > at ‘receipt’ page, that transaction’s receipt will be shown in detail.
  • 7. How much money can I send abroad?
    Per remittance transaction and country, you may transfer no more than your IBV limit. The upper limit for remittance transactions to Indonesia is S$2400.00 per transaction. The upper limit for remittances to the Philippines is S$1300.00 per transaction. There is a S$5,000.00 monthly cap on transfers to any nation.
  • 8. What if I want to send more than my wallet limit?
    You can get in touch with us through our support staff to talk about the paperwork we need when sending more than the iChange Wallet limit.
  • 9. Where can my receipt pick up the funds I've sent?
    Depending on the collection points available in each sending nation, recipients may choose to pick up cash or make a bank deposit.
  • 10. What is the remittance fee?
    Once you have chosen a recipient for "Send overseas", you will be able to see our remittance fees.
  • 11. Can I still send money if my mobile phone number has changed?
    All remittance transactions in iChange require an OTP, so you must update your mobile number in order to submit any remittance transactions. To update your mobile number, proceed to the Home page, tap ‘Profile’ > tap on the ‘pencil icon’ > Enter your password > tap ‘Mobile No.’ > Enter new mobile number > Tap ‘update’.
  • 12. Can I still remit if my work visa expires?
    No. You must update your information, send a photo of your new work permit, and get in touch with any member of our Support team to get your account re-verified.
  • 13. Can I transfer money to many people at once?
    Yes, you can send money to a maximum of five different people.
  • 14. Can I add more recipients?
    You can, you will add another recipient; but before adding the new recipient, you need to delete a previous recipient.
  • 15. Local money has been sent to me by a friend. How can I confirm that I have received the money?
    When a friend pays you money via iChange, the funds are immediately deposited into your iChange Wallet and you are notified by chat or SMS.
  • 16. How do I use PayNow to make a payment for my remittance transaction?
    By using PayNow, complete the following steps to complete your remittance transaction: Login in to the app Tap ‘Send Money’ Tap ‘Send Overseas’ Type in the amount you want to send and collection mode Choose your recipient In the remittance payment page, choose "Pay Now" as your payment mode and ‘Confirm’ Save the QR code in your phone’s photo gallery Leave the app to open your iBanking app that supports PayNow and upload the QR code Confirm the payment and tap ‘Submit’ You will receive an SMS/in-app notification of the successful payment and your transaction will be processed.
  • 1. Where can I pay with the iChange app?
    Pay your bills Locally and overseas, top up your mobiles, and purchase your food at a hawker centre using the scan and pay method (SGQR)
  • 2. How do I view the transaction history on the iChange app?
    Go to the Home page > click ‘See All’ to view your transaction history.
  • 3. Is it possible to pay overseas bills?
    Yes, tap the 'Bill payment' option in the iChange app > choose what country you want to pay bills > choose what type of service you want > choose the service provider in that country > choose your plan > proceed to top-up
  • 4. Which countries is iChange bill payment available in?
    Once you press ‘Bill payment’, you can see the list of supported countries and the list of services currently available in our app.
  • 5. What can I do If a shop cashier does not receive any money even after a successful transaction?
    In this situation, first double-check that you made the transaction to the right mobile number or QR code. If you confirm it is correct, please contact our support team.
  • 6. Can I reverse a payment that I made by accident to the wrong number?
    If that wrong number does not have our wallet, your money will be back in 24 hours. Otherwise, that money is immediately transmitted to the mobile phone number that you had given. Due to this, we repeatedly display the mobile number you are sending money to during the top-up process so that you can verify the mobile number. As a result, we will not repay the transaction in accordance with our policy.
  • 7. Can I pay various bills continuously?
    Yes, you can pay various bills continuously. However, do check and confirm each transaction as any wrong transaction will not be refundable in accordance with our policy.
  • 8. How much does it cost to send an overseas mobile top-up?
    The chosen denomination amount and chosen country determines how much a top-up transaction will cost. The total cost of your order will be displayed upon checkout.
  • 9. What exchange rate is being used while making an overseas bill payment?
    IBV uses the most equitable exchange rate available in accordance with global Foreign Currency rules and our partners' agreements. Daily fluctuations and changes in exchange rates are common.
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