Get S$12 to Try PayNow‑DuitNow: Is This Promo Worth Your Time?
If you’ve been meaning to send money to Malaysia, this is a nice little nudge.
There’s a Welcome Rewards Promotion where you can earn S$12 cashback just for using PayNow‑DuitNow to transfer money to Malaysia using digibank online or digibank mobile.
What’s This Promotion About?
Think of this as a “welcome gift” for trying PayNow‑DuitNow.
- You make transfers to Malaysia using PayNow‑DuitNow.
- Hit a total of S$300 equivalent in transfers within a qualifying month.
- Be among the first 200 people in that month to do so.
- Get S$12 cashback into your account.
No promo codes. No forms. Just use the service in the right way and right time.
Do You Need to Sign Up?
No extra registration at all.
You’re automatically in if:
- You use PayNow‑DuitNow via digibank online or digibank mobile, and
- You’re using PayNow‑DuitNow for the first time, or
- You haven’t used PayNow‑DuitNow for at least 12 months.
If you’ve been relying on other transfer methods and never touched PayNow‑DuitNow, you’re exactly who this promo is targeting.
How to Get the S$12: Step‑by‑Step
To qualify, two things must happen within the same qualifying period:
- Transfer at least S$300 equivalent in total to Malaysia using PayNow‑DuitNow
- One transfer of S$300, or
- Multiple smaller transfers that add up to S$300
- As long as they’re all within the same qualifying period
- You must be among the first 200 customers that month to hit that S$300 total.
The Qualifying Periods
Your transaction submission date and time (SGT) decides which period you fall into:
- Period 1:
01 Jan – 31 Jan 2026, before 23:59 - Period 2:
01 Feb – 28 Feb 2026, before 23:59 - Period 3:
01 Mar – 31 Mar 2026, before 23:59
Each period has its own pool of 200 customers and its own S$12 reward pool.
Very Important: You Cannot Mix Months
This is where some people accidentally lose out.
You cannot combine transfers across different periods to hit the S$300.
If your transactions are spread like this:
- S$100 in January
- S$100 in February
- S$200 in March
You’ve moved S$400 in total, but no single month hits S$300, so you get no cashback.
Everything must stack up within the same period.
Examples (So You Can Copy the Winning Pattern)
Customer A – Does It Right
- 12 Jan: S$100
- 18 Jan: S$100
- 31 Jan: S$100
All in January, total S$300.
If this person is among the first 200 to hit S$300 in Period 1, they’ll get S$12 cashback by 31 Mar 2026.
Customer B – One‑Shot Transfer
- 18 Feb: S$300 in one go
All in February, total S$300.
If they’re within the first 200 for Period 2, they’ll get S$12 cashback by 30 Apr 2026.
Customer C – Spreads It Out (and Misses Out)
- 18 Jan: S$100 (Period 1)
- 28 Feb: S$100 (Period 2)
- 1 Mar: S$200 (Period 3)
No period hits S$300 on its own → Not eligible, even though the grand total is S$400.
When and Where Do You Get the Cashback?
If you meet all the criteria:
- The S$12 cashback will be credited into the same bank account you used for your first eligible PayNow‑DuitNow transfer.
- Credit dates:
- For Jan (Period 1): By 31 Mar 2026
- For Feb (Period 2): By 30 Apr 2026
- For Mar (Period 3): By 31 May 2026
You don’t have to chase the bank; the reward goes straight in as long as you qualify.
Who Is This For?
This promotion will suit you if:
- You send money to Malaysia to support family, pay bills, or handle personal expenses.
- You like transfers that are fast and low‑effort, without dealing with long forms.
- You’ve never used PayNow‑DuitNow (or haven’t touched it in the last 12 months), and you’re open to trying a new way to transfer.
- You’re likely to move at least S$300 equivalent within a single month between Jan and Mar 2026.
It’s especially good if you were already planning a transfer of that size—then the S$12 feels like pure bonus money.
How to Make the Most of This Promo
- Plan your timing:
If you know you’ll send money soon, try to do it earlier in the month to improve your chances of being in the first 200. - Keep it in one period:
Aim to reach S$300 in one specific month instead of splitting across months. - Use the same account for your first transfer:
The cashback will go into the account you used for that first eligible PayNow‑DuitNow transaction—use the account where you actually want to receive the reward.
Final Takeaway
If you’re already sending money to Malaysia—or planning to—this promotion is a neat way to earn S$12 cashback just by switching to PayNow‑DuitNow and timing your transfers properly.
Choose a month, aim to hit S$300 equivalent within that period, use PayNow‑DuitNow via digibank online or mobile, and do it early so you’re more likely to be among the first 200.