EZ-Link Wallet

The EZ-Link Wallet is a personal mobile wallet within the EZ-Link App that allows you to conveniently make payments online, in-store and overseas simply by tapping on a contactless payment terminal* or scanning a QR Code.

 

*Tap to pay via Google Pay is currently only available on NFC enabled Android phones.

Step 1: Ensure that you have downloaded the latest version of the EZ-Link App and created an account

Step 2: Upon logging into the app, tap on “EZ-Link Wallet” on the “Discover” tab

Step 3: Read and agree to the terms and conditions before proceeding to sign up.

The newest feature of the EZ-Link Wallet, Pay by Wallet is a digital prepaid Mastercard within the EZ-Link App.

Once activated, consumers will be able to use their EZ-Link Wallet for contactless payments in-store, online and overseas at over 80 million Mastercard merchants, in addition to the existing SGQR and Alipay+ acceptance points.

We are aware of the acceptance issues that our customers are experiencing with some merchants, and we apologise for the inconvenience caused. We are working closely with our partners to rectify the issue.

Step 1: Ensure that you have already signed up for an EZ-Link Wallet

Step 2. Tap on the “Pay by Wallet” banner on your Wallet details page

Step 3:  Perform the necessary identity verification checks

Step 4: Once all verification checks are completed, your “Pay by Wallet” will be activated immediately

Anyone with a valid NRIC or FIN will be eligible to apply for Pay by Wallet. Singaporeans are required to perform the necessary identity checks via Singpass while FIN card holders are required to submit their Proof of Residence (with documents dated less than 6 months ago), in addition to their Myinfo details. Please note that the verification process for FIN holders may take up to 5 weeks.

There are no income requirements to enable Pay by Wallet.

We are required to verify your identity so that we can safeguard your funds. Your contact details are required for us to get in touch with you should there be any disputes with your transactions.

You might not have submitted the documents required for verification or more information may be required to verify your identity.

Applications for Singaporeans and PRs with a valid Singpass verification will be approved near real time if the information and documents submitted are in order. Approvals for FIN holders may take up to 5 weeks, FIN holders are advised to provide updated information in the application for an expeditious process.

You can find your application approval status via in-app updates.

Please email us at customerservice@ezlink.com.sg or call (+65) 6496 8300 for further assistance.

Each individual is only allowed to enable one (1) Pay by Wallet account.

The EZ-Link Wallet implements security practices and policies adopted by the payment card industry to ensure prevention of theft of credit/debit card information. Furthermore, your authorization is always required before any payment is confirmed.

All EZ-Link Pay by Wallet users have the option to block or unblock their digital card within the app. Users can also hide sensitive card details (e.g. account number, expiry date, and CVC code) on their EZ-Link Wallet, and take the additional precaution of using biometric authentication to access the EZ-Link App on their mobile device.

The enhanced EZ-Link Wallet is accepted at millions of Mastercard merchants worldwide – be it online, in-stores or overseas. Aside from Mastercard acceptance points, the EZ-Link Wallet can also be used as a payment method at participating SGQR merchants in Singapore as well as participating Alipay+ merchants in Japan.

 

Tap to Pay and eCommerce

Simply look out for the Mastercard logo to tap to pay in-store, or make payments online. NFC enabled Android users can also add the virtual Mastercard onto Google Pay to Tap to Pay for public transit rides via SimplyGo.

 

Scan to Pay

For local usage, please look out for merchants displaying the SGQR sticker/standee with the EZ-Link App.

To scan to pay overseas, please look out for the following EZ-Link decal at Alipay Connect merchants.

Tap to Pay

Activate Pay by Wallet on the EZ-Link app to tap to pay* at millions of Mastercard merchants worldwide. Simply tap your mobile phone on the merchant’s contactless payment terminal to make payments in-store or tap on bus/train readers via Google Pay to pay for public transit rides via SimplyGo.

*Tap to pay via Google Pay is currently only available on NFC enabled Android phones.

 

Scan to Pay

 

When making a purchase at a local merchant that accepts the EZ-Link Wallet via SGQR:

1. Launch the EZ-Link App and tap on ‘QR Code’ under EZ-Link Wallet. Please ensure that the camera function is enabled for the EZ-Link App on your phone.
2. Scan the SGQR code displayed at the merchant’s outlet.
3. Enter the value of your purchase and authorize the payment with payment pin, fingerprint or face ID.
4. Wait for the ‘Payment Successful’ notification to appear to ensure that payment is successful.

 

When making a purchase at an overseas Alipay Connect merchant that accepts the EZ-Link Wallet via QR/barcode:

1. Launch the EZ-Link App and tap on ‘QR Code’ under EZ-Link Wallet. Please ensure that geo-location is enabled for the EZ-Link App on your phone.
2. Present the generated QR code/Barcode to the merchant.
3. Authorize the payment with payment pin, fingerprint or face ID after the merchant has scanned the QR/barcode.
4. Wait for the ‘Payment Successful’ notification to appear to ensure that payment is successful.

 

Online Payments

1. Launch the EZ-Link App and tap on EZ-Link Wallet
2. Tap on “Pay by Wallet to access the details of your Pay by Wallet virtual card.
3. Copy the 16-digit card number, card expiry date and security code as requested by the payment platform.
4. Once done, you may track transaction on EZ-Link Wallet details page.

Yes, you can use your EZ-Link Wallet outside of Singapore to make payments at Mastercard and Alipay+ acceptance points.

No activation is required for overseas transactions.

There are no additional fees involved for local transactions. You will only be charged for your purchase.

Please take note that there will be fees for cross-border transactions made online or in-stores.

Tap to Pay and eCommerce payments via Pay by Wallet

The following fees for cross-border transactions made online or in-stores applies:

Type of transactions	Fees involved
Foreign currency (FX) transaction fee (Full cross-border charge, where original amount is not in SGD)	1% fee levied by EZ-Link and 1% levied by Mastercard
Cross-border processing fee (Amount is in SGD but transaction is settled outside of Singapore)	1% levied by Mastercard
DCC (Transaction in SGD made overseas)	2% levied by EZ-Link and 1% levied by Mastercard

 

Scan to Pay via Alipay+

Foreign currency exchange rates are provided by Alipay Connect & EZ-Link Pte Ltd. There are no admin fees or currency conversion processing fees involved. The amount will be converted to Singapore Dollars and deducted from the Wallet.

No, there is no limit to the number of transactions that you can make, as long as there is sufficient balance in your EZ-Link Wallet.

 

1. Select the top-up function in your EZ-Link Wallet and enter your preferred top-up amount. The minimum top-up amount is S$10.
2. Choose your preferred bank card to be used as the source of funds for this top-up or add your bank card if you have not done so before.
3. Tap on the “Next” to proceed.

Pay by Wallet is an extension of your EZ-Link Wallet and the funds are therefore linked to the EZ-Link Wallet. You can top up your EZ-Link Wallet with any debit or credit cards added on your EZ-Link app.

Yes, top-ups of the EZ-Link Wallet are instantaneous. The new balance of your EZ-Link Wallet will be reflected immediately upon each successful top-up.

Yes, you can add or save more than one bank card for topping up your EZ-Link Wallet within the EZ-Link App.

The default card that you have selected will automatically be used for EZ-Link Wallet top-ups. If you wish to switch to another card, you can do so during the top-up process within the EZ-Link App

Please note that you need to have an EZ-Link Wallet account before redemption of the Wallet credits. If you already have an activated EZ-Link Wallet, skip to step 4:

 

1. Launch your EZ-Link app and tap on the EZ-Link Wallet banner
2. Set up a 6-digit payment pin
3. Congrats! You now own an EZ-Link Wallet
4. Tap on “Discover” and under “Promotion and Partnership Programmes”, tap on the link “Have a redemption code? Enter it here!”
5. Key in the redemption code and tap on “Confirm”
6. Upon successful redemption, a pop-up notification stating the amount that has been credited to your wallet will appear on the screen.

The basic EZ-Link Wallet can hold a maximum of $500. Upon activating Pay by Wallet, the maximum balance increases to $5,000. The balance in the EZ-Link Wallet cannot exceed S$5,000, and a maximum of 4 top-up attempts can be made within 24 hrs.

The annual top-up limit for the EZ-Link Wallet is $30,000, provided that no account-based concession cards which belong to you are added into the same account. Otherwise, the annual top up limit for the EZ-Link Wallet will be adjusted to $25,000. This is to comply with requirements set out in the Payment Services Act by the Monetary Authority of Singapore.

For questions with regards to the Payment Services Act, please click here.

Your EZ-Link Wallet transaction history can be found on  the EZ-Link Wallet details page. Transactions made via Pay by Wallet are marked with the Mastercard logo for easy identification and tracking.

Yes, users can add their Pay by Wallet account to Google Pay (Android devices) to enable payments for public transport.

Yes, this function is available for Adult EZ-Link cards* on both Android and iOS (version 13 and above) mobile devices.

Step 1. On “Home” tab, tap on the EZ-Link to perform top-up

Step 2. Set your EZ-Link Wallet as the preferred source of fund

Step 3. Choose your preferred top-up amount

Step 4. Tap and hold your EZ-Link card at the back of your phone to sync

Step 5. Both your Wallet and EZ-Link card transaction histories will reflect the successful top-up

 

*Top-ups for concession transit cards managed by the Land Transport Authority are currently not supported.

 

No, this function is currently not available.

No, you are not able to do so.

Yes, purchases made both locally and overseas, except for exclusions for certain payments with the EZ-Link Wallet are eligible for EZ-Link Rewards. Every 10 cents spent using the EZ-Link Wallet earns you 1 EZ-Link Rewards point, which can be redeemed for benefits from over 200 merchants across F&B, retail, motoring categories and more.

Please note that cancelled or refunded transactions are not eligible for EZ-Link Rewards points.

Please check and ensure that you have sufficient balance in your EZ-Link Wallet and a stable internet connection to complete your purchase.

In the event that your EZ-Link Wallet is less than the transaction amount, the transaction will be declined.

This is due to the fact that you have exceeded the maximum number of attempts (5) to successfully perform the OTP authentication. As part of our security measures, your Pay by Wallet has been ‘soft-blocked’ for the next 24 hours. Should you wish to immediately unblock your card, please contact our Customer Service hotline.

You can request for a full or partial refund if there is an issue with your transaction such as:

• not receiving the product(s)/service(s) that you paid for
• your goods were missing or damaged
• you have been charged incorrectly

 

In-store Purchases

Please inform the merchant immediately. The merchant will have to cancel the transaction so that your money will be transferred back into your EZ-Link Wallet.

Please note that this is only applicable to same day transactions. Any transactions performed after 23:59 hours cannot be cancelled. You will have to resolve the matter directly with the merchant.

 

Online Purchases

To request for a refund, please contact the merchant directly. You may obtain the transaction details by clicking the transaction in question and sending this to the merchant for verification.

In some scenarios, your refunded amount may differ from the original amount charged. This could be due to:

• Partial refunds – The merchant has only refunded you partially and not in full.
• Cross-border/foreign currency transactions – The refunded amount depends on the currency rates on the day your refund was processed by the merchant
• Cross-border processing fees – Processing fees are charged for cross-border transactions and are non-refundable. These fees will only be refunded fully if the transaction is deemed as fraudulent and have successfully been filed as a chargeback.

Please download and complete the Dispute Resolution Form and send it to paybywallet@ezlink.com.sg. Please note that you will only be able to file for chargeback within 90 days of the transaction. Monies will be credited back into your EZ-Link Wallet once the claims are successfully processed.

Immediately lock your Pay by Wallet feature on the app to prevent any other transactions from being processed. Write to us at customerservice@ezlink.com.sg or call (+65) 6496 8300 to let us know if we should permanently block the account.

The EZ-Link Wallet does not expires and each Pay by Wallet account has a validity of three years. Your Pay by Wallet account will expire on the last day of the expiry month, as indicated on the virtual card.

Upon expiry, your Pay by Wallet account will be automatically renewed and a new virtual card will be generated. All balances in your EZ-Link Wallet will remain valid as the EZ-Link Wallet does not expire.

If you wish to terminate your Pay by Wallet account, you may write to customerservice@ezlink.com.sg or speak to our customer service team via phone at (+65) 6496 8300. Any balance amount in your EZ-Link Wallet will remain valid and may be used for other spendings.

If you wish to deactivate your EZ-Link Wallet, you may write to customerservice@ezlink.com.sg or call the EZ-Link customer service hotline at (+65) 6496 8300. The balance amount in your EZ-Link Wallet will be refunded to your registered bank card.