Google Pay launched P2P payments in Singapore back in April. Users can earn scratch cards of varying cash amounts by making payments, and this remains the only way to earn rewards on PayNow transfers.
To transfer money via Google Pay, you’ll need to link a bank account to the app. Initially, only OCBC accounts were supported. However, Google Pay now supports DBS PayLah, which means that DBS customers can get in on the scratch card fun too.
If you don’t already have a Google Pay Singapore account (it’s available for both Android and Apple devices), you can get S$5 free when you sign up via the link below and make a payment of at least S$10 (just send money to a friend or family member).
Get S$5 free when you sign up for Google Pay here
Google Pay’s latest scratch card promotion
From now till 31 October 2020, Google Pay users can earn up to S$50 each week via scratch cards for making either in-store payments, or sending money via PayNow to friends & family.
A week is defined as Monday 9 a.m to the following Monday 8.59 a.m.
In-store payments: Up to S$20 weekly
When you use Google Pay to make a payment of at least S$3 in-store, you’ll receive a scratch card worth up to S$10.
You can earn a maximum of two scratch cards per week through in-store payments. Each payment must be unique; i.e spending S$3 twice with the same merchant only earns you a single scratch card.
Payments can be done either through Tap & Pay (available for Android devices with NFC capability) or QR code (for all other devices). In-store payments exclude transit transactions, but I doubt you’d spend S$3 on a single transit transaction anyway.
P2P money transfers: Up to S$30 weekly
When you use Google Pay to send at least S$10 to another Google Pay user, you’ll receive a scratch card worth up to S$15. I distinctly recall that there was previously no need for the receiving party to also be on Google Pay (since all transfers work via the PayNow system), so it looks like Google has tightened up the T&Cs for this slightly.
You can earn a maximum of two scratch cards per week through P2P money transfers. Each transfer must be unique; i.e spending S$10 twice to the same person only earns you a single scratch card.
How do I set up Google Pay Singapore?
To start, simply download the Google Pay Singapore app on either your Android or iOS device.
Navigate to your profile settings and tap “Payment Methods”. Then tap “Add bank account”, and select OCBC or DBS PayLah. I’m going to show the process flow for OCBC below, but it’s very similar for DBS PayLah.
You’ll be prompted to login to your online banking account to do a one-time setup. Select the account you want to pair with Google Pay Singapore, enter the OTP and you’re good to go.
Sending money is equally straightforward. Google Pay Singapore harnesses the PayNow platform, so you can send money to anyone’s mobile number as you would with any other banking app. There’s no need for the receiving party to use Google Pay- so long as they have a registered PayNow account, they’ll receive the funds.
Google Pay Singapore P2P transfers have a daily limit of S$1,000, which is on top of the daily S$5,000 PayNow limit.
Conclusion
Google Pay is an easy way to earn some money back on your PayNow transfers, and while the amount you win is purely algorithmic lottery, it’s a lot better than zero (to be fair, you occasionally get a “try again” prize).
There are plans to add support for more banks soon, so sit tight if you’re not on DBS or OCBC.
So now is 2 instead of 3 people for sending money to each other ?
yes the mechanics have changed slightly.
Thanks Aaron. Just used your referral link and got $3.30 (30 cent from scratch card) by sending 10 bucks to wifey..๐
Is there a daily cap on the scratch cards for P2P money transfers? I got $3 for the first transfer, but nothing for the second transfer (to another Google Pay user). Strange.
Ah never mind. I figured that I actually don’t have the P2P cashback offer under the “Offers” page.
Is it just me or there is some issue with the Google Pay app? Due to some errors with the app, I uninstalled the already signed in Google Pay account and re-install the app via Play Store (Fyi, I’m using Huawei). But cannot never sign in since then. Experienced error signing in when OTP was prompted after you key in your mobile number. It just say ‘Oops, something went wrong. Please try again later’. I don’t even receive OTPs on my phone for that. 2 weeks have passed and I still can’t sign in. Sigh.
the app is highly unstable tho. i’ve been trying to use it actively and it forgets my credit card like every few days and i have to keep adding the card back in. seems very unpolished for a google product.