BigPay Referral Code Singapore: JBTNUSVY64 (Get S$5 Bonus)
A digital account that makes managing money easy
Hey! Use the referral code: JBTNUSVY64 to sign up for BigPay and receive S$5 after you activate your BigPay physical card. Terms and conditions apply.
Enjoy competitive exchange rates for overseas spending and international money transfers. Explore the rest of the features directly in the app.
Table of Contents
What Is BigPay? (Singapore Overview)
BigPay is a digital wallet with a prepaid Visa card managed through a mobile app. It allows users to spend, transfer, and manage money in one platform, operating under licensed payment services in Singapore.
BigPay’s MAS Licensing in Singapore
BigPay Singapore Pte Ltd is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act 2019. It is authorised to provide:
- Account Issuance Service
- Domestic Money Transfer Service
- Cross-border Money Transfer Service
- E-money Issuance Service
BigPay Account Setup & Features
A BigPay account functions as a digital wallet within the BigPay app, giving you access to payments, transfers, and card features.
Activation & Initial Top-Up Requirement
To activate your BigPay account, you must top up at least S$20. This is not a fee — the amount remains in your wallet and can be used for spending.
Top-Up Methods (Singapore Users)
Singapore users can top up via:
- PayNow QR
- Credit card (fees may apply)
- ATM/Debit card
Any applicable charges are displayed in-app before confirmation.
Spending & ATM Withdrawals
- Use your BigPay Visa card for online and in-store payments worldwide wherever Visa is accepted.
- Overseas ATM withdrawals are supported at Visa-enabled ATMs.
- Fees and limits may apply depending on the country and transaction type.
International Money Transfers
Cross-Border Remittance Services
BigPay supports digital international money transfers, with fees and exchange rates shown upfront before confirmation.
Supported destinations include:
China, Australia, Vietnam, Indonesia, Malaysia, Thailand, the Philippines, India, Bangladesh and Nepal.
Transfers are processed digitally to supported banks or payment partners.
BigPay Card Options
Virtual & Physical Cards Explained
After activation, a virtual BigPay card is issued automatically for immediate online use.
If you prefer a physical card:
- Request the physical blue BigPay card within the app.
- A S$10 issuance fee will be deducted from your wallet when you order it.
BigPay Virtual vs Physical Card Comparison
| Feature | Virtual Card | Physical Blue Card |
|---|---|---|
| Issued automatically | Yes | No (request in app) |
| Issuance fee | No | S$10 |
| Online payments | Yes | Yes |
| In-store payments | No | Yes |
| Overseas ATM withdrawals | No | Yes |
| Freeze/unfreeze in app | Yes | Yes |
| Regenerate in app | Yes | Replacement fee may apply |
Use the virtual card for secure online purchases. Order the physical card if you require ATM withdrawals or in-person payments.
QR Payment Features
Alipay+ QR Payments
BigPay supports Alipay+ QR payments directly within the app.
You can:
- Scan participating Alipay+ QR codes at merchants.
- Generate your own QR code for merchants to scan.
- View exchange rate information before confirming payment.
This extends BigPay beyond Visa card payments and can be useful in destinations where QR payments are widely accepted.
DuitNow QR Payments
BigPay also supports DuitNow QR, enabling QR-based payments through participating merchants.
With DuitNow QR:
- Scan supported DuitNow QR codes to pay from your BigPay wallet.
- Generate a QR code within the app to receive payments.
- In supported cases, cross-border QR functionality may apply when travelling to Malaysia.
This provides added flexibility for Singapore users, particularly when spending in Malaysia where QR payments are common.
Merchant participation and cross-border support may vary by location.
Experience Sharing
Unable to Log In to the BigPay App
In April 2024, I experienced difficulty logging into the BigPay app — an “unknown error” appeared during login. Clearing app data did not resolve the issue. The problem was fixed after uninstalling and reinstalling the app.
PSA: Beware of Illegal Activities
Keep your account secure. Do not facilitate fraud or money laundering by acting as a money mule.
- Avoid offers to purchase or rent your account.
- Never allow others to access or observe you accessing your account.
- Do not make payments on behalf of others.
- Never share your login details.
Auntiehuat
Web Administrator
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