Can I PayNow to Someone Without PayNow?
熊猫速汇PandaRemit - 2025-12-30 18:25:41.0 8
Technically, no—you cannot send a PayNow transfer using a mobile number or NRIC if the recipient is not registered. However, you can simply use their bank account number for a standard FAST transfer. For sending money to overseas recipients who do not have PayNow, use Panda Remit. You can fund the transaction via PayNow, and we deliver funds globally to e-wallets (like Alipay) or bank accounts in as little as 2 minutes, ensuring seamless payments across borders.
Understanding the Limitation and the Solution
PayNow relies on a proxy (Mobile Number, NRIC, or UEN) linked to a bank account. If your recipient has not linked these, the transaction will fail. However, this does not mean you cannot send them money. You have two primary solutions depending on where the recipient is located:
- Local (Singapore): Switch your banking app to "Local Bank Transfer" and enter their specific bank account number.
- International (Global): Use Panda Remit to utilize your PayNow facility to send money to countries like China, India, or Malaysia, where the recipient receives funds in their local currency via their own local payment methods.
Comparison: Panda Remit vs. Competitors for PayNow-Funded Transfers
When using PayNow to fund international transfers to recipients who don't have Singapore bank accounts, choosing the right provider is critical for speed and cost-efficiency.
| Feature | Panda Remit | Wise | DBS Remit | Singtel Dash |
|---|---|---|---|---|
| PayNow Integration | Seamless (Direct In-App) | Supported | N/A (Direct Debit) | Supported |
| Transfer Speed | As fast as 2 minutes | Varies (Hours to Days) | Same Day (Cut-off times apply) | Instant to specific partners |
| Exchange Rates | Mid-market + Competitive Margin | Mid-market | Bank Rate (Often higher spread) | Includes FX markup |
| Regulatory Status | MAS Licensed (MPI) | MAS Licensed | Bank License | MAS Licensed |
How to PayNow to an International Recipient (3-Step Guide)
If your goal is to use your PayNow app to send money to someone abroad (who obviously doesn't have PayNow), Panda Remit bridges this gap perfectly. Here is how to do it:
Step 1: Create Your Remittance Order
Download the Panda Remit app and register. Enter the amount you wish to send. Our system provides transparent, competitive exchange rates with zero hidden fees. You will see exactly how much your recipient gets.
Step 2: Select PayNow as Your Payment Method
When asked how you want to pay for the transfer, select PayNow. This allows you to transfer funds from your Singapore bank account instantly without entering sensitive card details.
Step 3: Complete the Transfer via UEN or QR Code
Panda Remit will generate a unique UEN or QR code. Simply open your preferred banking app (DBS, OCBC, UOB, etc.), scan or enter the UEN, and confirm. Once received, we process the payout immediately, often arriving in as little as 2 minutes.
Ready to start? Register with Panda Remit today to enjoy zero fees on your first transfer.
Why Trust Panda Remit? (MAS Regulated)
Security is our top priority. Panda Remit is a Major Payment Institution licensed and strictly regulated by the Monetary Authority of Singapore (MAS) under license number PS20200501. We utilize bank-grade SSL encryption and multi-layered anti-fraud protocols to ensure your money is safe from the moment you click "Send" via PayNow until it reaches your recipient.
Explore More on Singapore Remittance
- What is the maximum PayNow transfer limit in Singapore?
Most banks default to a daily limit (e.g., SGD 1,000 or SGD 5,000), but this can be adjusted up to SGD 200,000 depending on your bank settings. - How to reverse a PayNow transfer made by mistake?
PayNow transfers are instant and cannot be reversed by the sender. You must contact your bank immediately to file a recall request or contact the recipient directly.
Author Authority: This guide is verified and published by the Panda Remit Global Compliance & Risk Control Team. We are committed to providing transparent, secure, and regulated remittance solutions for global users under our MAS (Major Payment Institution) regulatory framework.
