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Terms & Conditions - Pay Any Card Service

Terms and conditions governing the Pay Any Card service

These terms and conditions apply and regulate our Pay Any Card service. By signing up to this service, you agree to accept and keep to these terms and conditions, so please read them carefully before using the service.

  1. Under our Pay Any Card service, we can set up bill-payment services from your account with us to the account of any person (the ‘beneficiary’) who holds a Visa or MasterCard debit or credit card (the ‘beneficiary card’) in Singapore dollars with any other bank in Singapore (the ‘beneficiary bank’).
  2. Our Pay Any Card service is available on internet banking. You can get started by adding a card to your payee list. When you make a payment to that card through internet banking, we will take this as your authorization for us to withdraw money from your account to pay to that card. We will also take any charges we may set from your account from time to time. We do not have to go ahead with your Pay Any Card instruction if you do not have enough money in your account to cover the payment amount and any charges for this service at the time of the transaction.
  3. Pay Any Card service is only available for Visa and MasterCard debit and credit cards issued in Singapore in Singapore dollars.
  4. Each payment made under the Pay Any Card service must be no more than S$15,000. Whether we receive your Pay Any Card instruction through internet or mobile banking the total amount of all payments made from your account each month must be no more than S$100,000 or the balance available in your account, whichever is lower.
  5. We will only transfer the payment amount to the account number of the beneficiary card you have given us details of. If necessary, we may ask you for more details about the beneficiary and their card and you must give us these details before we can carry out your instruction. However, we have the right to refuse any Pay Any Card instruction and we do not need to give you the reason for this.
  6. If we receive a Pay Any Card instruction from you before the cut-off time, we will carry it out on the next business day. If we receive your instruction after the cut-off time, we will carry it out within two business days. The cut-off times may be affected by scheduled maintenance of our systems. ‘Business day’ means any day on which banks in Singapore are open for business other than Saturdays, Sundays and public holidays.
  7. We are not responsible for the following. a. Transactions we carry out in good faith, relying on your Pay Any Card instructions. We will accept in good faith instructions we believe to be genuine and correct and to have been authorized by you. We do not have to check that your instructions are genuine. We will not ask you for more evidence or be responsible for any loss, liability, cost, damage, expenses or inconvenience that you may suffer as a result of, or in connection with, these instructions.
    a. Not carrying out your instructions if we have reason to believe they are not genuine or are otherwise unclear, unsuitable, vague or doubtful.
    b. The performance of Visa, MasterCard, or any other company involved in the transactions.
    c. Any loss or damage you suffer as a result of any error, fault, failure or interruption of the Pay Any Card service or the way we have carried out any instructions (this does not include our gross negligence or deliberate failure to provide the service).
    d. Any loss or damage you suffer as a result of a payment to the beneficiary card being delayed.
  8. We have the right to set or change the limit of:
    a. the payment amount for each transaction; orb. the total amount of all payments for each month;
    at any time. We will try to send the payment amount within 24 hours of receiving your instructions. However, we are not responsible for how long it takes for the beneficiary bank to pay the payment amount to the beneficiary card.
  9. You are responsible for giving us the accurate number of the beneficiary card and the accurate payment amount you want us to pay to the beneficiary card from your account. We are not responsible for any incorrect payment we make as a result of you giving us incorrect details, and we do not have to reverse the incorrect payment.
  10. Other than situations covered under our online banking security guarantee under clause 3C of the Terms and Conditions Governing Electronic Banking Services – Personal, we are not responsible for any unauthorized transaction happening through this Pay Any Card service.
  11. You shall indemnify us in full against any action, suit or proceeding started against us and against any loss, cost or damage that we suffer as a result of our carrying out your instructions under this Pay Any Card service.
  12. We have the right to withdraw, suspend or end the Pay Any Card service at any time without giving you notice or reasons. We are not responsible for any loss or damage you suffer as a result of our withdrawing, suspending or ending of the service.
  13. We have the right to add to, remove, suspend or change in any way these terms and conditions and the features and benefits offered under the Pay Any Card service at any time. You should read these terms and conditions together with the Terms and Conditions Governing Electronic Banking Services – Personal. If there is any difference between the two sets of terms and conditions, these terms and conditions take priority.
  14. These terms and conditions shall be governed by the laws of Singapore, and no person who is not a party to the agreement governed by these terms and conditions has any right under the Contracts (Rights of Third Parties) Act, Cap. 53B to enforce any of these terms or conditions.