Frequently Asked Questions

When using an ATM overseas, you may be prompted to choose whether to charge your card in NONSGD or SGD. Tap Non SGD & Select the "SAVINGS" option. If you have MYR* in your wallet, choose the option to "continue without conversion" if prompted.

We recommend selecting the foreign currency option when prompted. This ensures your transaction will be processed in the local currency of the ATM, which is usually more cost-effective. Remember, there is a withdrawal fee of “SGD 5” for each overseas ATM transaction, so ensure you have an SGD balance in your iChange wallet.

To avoid the SGD 5 withdrawal fee, consider using your card directly at merchant outlets for purchases whenever possible.

There is a daily limit for overseas ATM withdrawals, up to the equivalent of 1000 SGD in foreign currency per day. This limit helps ensure the security of your card and account.

Balance inquiries are not supported with the iChange card at overseas ATMs.

The currency balance that will be deducted for spending depends on your digital wallet's setup. Here are some scenarios with examples:

1. If you have a balance in a non-SGD (foreign) currency in your digital wallet, the equivalent amount will be automatically deducted from that currency. For example, if you have 100 USD in your digital wallet and make a 50 USD purchase, 50 USD will be deducted from your USD balance.

2. If you don't have a balance in a non-SGD currency in your digital wallet, the transaction will be auto-debited from your base currency, which is SGD (Singapore Dollars) in this case. For instance, if you have 100 USD in your digital wallet but make a 150 USD purchase, the equivalent amount will be deducted from your SGD wallet.

3. If you don't have an SGD wallet and also don't have a balance in the specific currency needed for the transaction, the transaction will be declined.

Please ensure that you have sufficient funds in the relevant currency to avoid transaction issues. If you have any further questions or concerns about currency deductions, please don't hesitate to contact our customer support for assistance. We are here to help ensure a smooth and convenient experience for you.

Transactions can be reverted for various reasons, and one common reason is exceeding your preset transaction limits. Here are some scenarios where your transaction might be reverted:

• Limit Exceeded: If you've reached or exceeded your daily, monthly, or per-transaction limits, your transaction may be automatically reverted. For example, if your daily spending limit is $1,000, and you attempt a $1,500 transaction, it could result in a transaction reversal.
  

• Insufficient Funds: If you don't have enough funds in your wallet or account to cover the transaction amount, it may be reversed. Ensure that you have adequate funds to complete your transactions.

• Technical Issues: Sometimes, technical glitches or issues with the payment processor can lead to transaction reversals. In such cases, the transaction is typically voided, and you may need to retry it later.

• Merchant Discrepancies: Merchants might reverse a transaction due to discrepancies or issues on their end, such as incorrect billing information or errors in the transaction process.
  

• Security Concerns: If the transaction raises security concerns or appears suspicious, it may be reversed as a precautionary measure to protect your account.
  

If your transaction has been reverted, it's advisable to check your transaction history for details and contact our customer support for specific information about the reversal. They can provide you with insights into the exact reason for the reversal and guide you on how to proceed.

Customers can make up to 10 cash withdrawals per day. For international cash withdrawals, the per cash withdrawal limit is SGD 1,000, and the daily cash withdrawal limit for international withdrawals is also SGD 1,000.

Several factors can contribute to your card being declined at overseas ATMs, even if you have a sufficient balance and are within the withdrawal limits. Here are some possible reasons:

• ATM Compatibility: Not all ATMs worldwide accept all types of cards. Ensure that you're using an ATM that is compatible with Mastercard, which iChange cards are based on.

• Technical Issues: Sometimes, ATMs may experience technical problems, which can lead to card transactions being declined.

• PIN Issues: Make sure you're entering the correct PIN associated with your iChange card. Entering an incorrect PIN multiple times can result in a temporary block on your card.

• Account or Card Block: There could be a temporary block on your card due to various reasons, including security concerns. Contact iChange customer support to verify the status of your card.

• Currency Conversion: Some ATMs offer dynamic currency conversion, which allows you to withdraw in your home currency. Opting for this option can sometimes lead to higher fees or issues with the transaction. Always choose to be charged in the local currency.
  

• ATM-Specific Limits: Some ATMs may have their withdrawal limits, which can be lower than your card's daily limit. Check the specific ATM's withdrawal limits.
  

• Card Expiry: Ensure that your iChange card has not expired. An expired card will not work at any ATM.

• Wallet Limits: To ensure smooth transactions, Please adjust your daily and monthly limits, as your current settings may be causing transaction rejections.

Here's a quick guide:

• Open your iChange app and navigate to "Cards."

• Choose the card needing a limit adjustment.

• Tap "Set Limit."

• Enter your preferred daily and monthly limits.

Save your changes.

By following these steps, you'll enhance your transaction experience.

If your card continues to be declined despite checking these factors, it's advisable to contact iChange customer support or your card issuer. They can provide you with specific information about the declined transaction and help you resolve the issue.

Here are the steps to set your ATM PIN:

• Open the iChange app and navigate to the "Card" section.

• Choose the card for which you want to set the PIN.

• Select the option to set a new PIN.

• Enter a 6-digit number for your new PIN.

• Confirm the new PIN by re-entering it.

• Enter the OTP (One-Time Password) received on your registered mobile number.

• Your new PIN is now successfully set.

Here are the steps:

• Navigate to the "Card" section in the app.

• Tap on the card for which you want to reset the PIN.

• Select the option "Change Card PIN" to set a new PIN.

• Enter a 6-digit number to set the new PIN.

• Confirm the new PIN.

• Enter the OTP (One-Time Password) received on your registered mobile number.

• Your new PIN is now set.

No, ATM withdrawals are not permitted within Singapore. Please consider alternative methods for accessing cash while in Singapore