Living Abroad

Pay2Home Singapore: Your full guide

Aman Saxena

11.05.26 (last updated)

Read time 3 minutes

Pricing claim based on comparative data for select airports and passes. Live pricing is subject to exchange rate fluctuations.
📱Find out how to get lounge access

Pay2Home is a remittance service in Hong Kong and Singapore. Singapore users can send money to a handful of countries, including Malaysia, China, Australia, and the Philippines for a flat fee³. But this flat fee can end up being more expensive than other money transfer services for regular transfers below S$ 5,000. Let’s take a deeper look into Pay2Home and how it works.

If you want an online money transfer service that that lets you transfer to 59+ countries at the real mid-market rate, check out Wise

Table of contents
How to open an account? Charges and fees Transfer limit How much time does it take? A cheap, fast and transparent alternative

Pay2Home offers a money transfer service to residents of Singapore and Hong Kong. Using it, you can send money to a number of countries across Southeast Asia, including China, Indonesia, Vietnam, and Malaysia. You can also send money to the UK, Australia, Europe, and New Zealand. Read on to get answers to common questions about using Pay2Home.

How to open a Pay2Home account?

To open a Pay2Home account, you can sign up on their website or in their app, or visit one of their branches. If you do it online, you will need to register on the website and provide your personal details. You will also be prompted to fill out an eKYC during this process so make sure you have your Identification Document and Proof of Address available for upload¹.

Once registered, you can use the online dashboard or mobile app to add beneficiaries and initiate transfers. Depending on the destination and preferred payout method, you can choose from several transfer options: mobile transfer, MTM, online transfer, outlet collection, or concierge service².

Pay2Home charges and fees

Pay2Home has an interesting fee structure. It offers a low flat fee³ no matter the amount you are looking to send. The fee is only dependent on where you are sending money to.

The flat fee starts to be economical once you are sending large amounts using Pay2Home and if you are not in a rush. But for smaller payments of S$ 1,000- S$5,000, other providers like Wise can be significantly cheaper.²

Pay2Home transfer limit

A minimum transaction amount of S$5 applies for mobile, MTM, online, and counter service transactions at Pay2Home outlets. Maximum limits vary depending on the channel: S$10,000 for mobile and MTM transfers, and S$15,000 for online transfers⁵. No specific maximum limit is stated for counter service transfers⁴.

But if you are sending more than S$ 15,000, you can give their concierge a call to get a privileged exchange rate⁴.

How much time does it take to send money with Pay2Home?

Once you have paid, the transfer can be credited immediately upon receipt, or may take up to 1–5 business days, depending on the destination country and selected delivery method. Transactions to Morocco, Pakistan, Qatar, and South Korea can take up to 5 business days, while transactions to Hong Kong, Malaysia, and Australia can take 1-2 days. Wallet transfers in select countries can also be received immediately after confirmation⁵. You can also make use of Pay2Home’s express service that can get your payments to your recipient within seconds. Check with Pay2Home express service for the transfer time for your particular country.

How can I check the status of money transfer with Pay2Home?

You can check the status of a transfer by logging into your Pay2Home account through the Pay2Home mobile app or Pay2Home online. You can also get real-time updates when you make a transaction by requesting SMS or email updates. You and your beneficiary will both be updated when the full payment is complete.⁵

Pay2Home customer support in case transactions are stuck

If your transactions are stuck, you can reach out to Pay2Home’s customer service a few different ways any day of the week. You can reach them on weekdays between 9am-7pm at 6372 2474 or anytime by email at customerservice@pay2home.com. You can also walk into the different branches across the city on the during the week and on Saturday and Sunday as well.⁶

When you’re trying to send money around the world, get yourself a partner that is truly global and cheaper. With Wise you can send money to 140+ countries and do so on average 12x cheaper than the banks.

The true cost of international transfers with Pay2Home

While Pay2Home is quite competitive in fees, Wise is cheaper in its fees, especially to Australia and Malaysia. Pay2Home is cheaper when it comes to transferring money to China and Indonesia.

Now, if we look at the exchange rate, Pay2Home sets its own exchange rate which differs from the transparent mid-market exchange rate. The mid-market exchange rate is the rate you see on Google and is the same one Wise uses. So what Pay2Home does is actually set your exchange rate to be weaker than the mid-market rate to take a slice of profit off of every conversion. That means more money out of your wallet.

A cheap, fast and transparent alternative: Wise

While Pay2Home can look like a good partner for remittances, in actuality it may be more expensive and slower than it appears. Wise has lower fees for regular-sized transfers and will always give you the transparent mid-market exchange rate.

There are no extra or hidden markup charges here. On top of that, Wise can be faster in many regular transactions. Wise has an award-winning app to make transfers seamless and fast. Plus, with a process that doesn’t require going to a bank, you can quickly join the 6 million users around the world that choose Wise for global money transfers.

Sources used for this article:

All sources checked as of 1 May, 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.