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GrabPay
GrabPay · 3 Media Close, Singapore 138498 · founded 2012
What it is
GrabPay Wallet is a topped-up e-money wallet for payments, fund transfers, and rewards. Users can pay for Grab services, bills, and online shopping, or scan a merchant QR code to pay in stores. A credit or debit card is not required to add funds; users can top up with PayNow. The wallet supports instant transfers that users can send or request without fees, and provides payment notifications and a detailed transaction history. Grab says users can earn up to 0.5% back in GrabRewards points for every dollar spent with GrabPay Wallet. The free wallet is available on Android and iOS. Grab says it uses a 24/7 fraud detection engine, is PCI DSS level 1 compliant, and protects access with a Grab PIN, plus fingerprint authentication on Android and Face ID on iOS. Its balance is held in a dedicated customer account with United Overseas Bank. GrabPay is regulated by Singapore’s Monetary Authority of Singapore, and identity verification is required. Full verification raises the wallet balance limit from SGD$1,000 to $5,000; wallet and transaction limits apply.
For and against
For
- Pay in stores using a merchant QR code
- Send or request instant transfers without fees
- PayNow top-ups do not require a payment card
- Offers payment notifications and transaction history
Against
- Identity verification is required
- Wallet and transaction limits apply
- International transfers are not supported
The verdict
GrabPay Wallet is a free option for payments, top-ups, transfers, and rewards on Android and iOS. Its balance limit rises to SGD$5,000 after full verification, and wallet and transaction limits still apply.
Who it suits
GrabPay Wallet suits Android and iOS users in Singapore who want to pay, transfer funds, and earn rewards through a topped-up wallet. Users should account for identity verification and wallet and transaction limits.
Plans and prices
GrabPay Wallet
Basic wallet balance up to SGD 1,000 · Premium wallet balance up to SGD 5,000 · transfers up to S$5,000
Read 15 Oct 2026 · apps.apple.com
On the record
- Access protection
- The wallet is protected by a Grab PIN and supports fingerprint authentication on Android and Face ID on iOS.grab.com · read 7 Oct 2026
- Annual transfer limit
- Transfers to other accounts or e-wallets count toward a S$30,000 annual spending limit, while transfers to the user's own PayNow account do not.grab.com · read 15 Oct 2026
- API capabilities
- SDK functions cover OAuth tokens, charge initialization and completion, status queries, refunds, QR creation, QR payment, cancellation and transaction details.github.com · read 15 Oct 2026
- Company identity
- LinkedIn lists Grab as a public software-development company founded in 2012, headquartered in Singapore, with 5,001–10,000 employees.linkedin.com · read 15 Oct 2026
- Company news
- Grab reported Q2 2026 revenue of $997 million, up 22% year over year, on August 4, 2026.grab.com · read 15 Oct 2026
- Developer onboarding
- Partner integrations require manual setup with GrabPay, credentials, OAuth 2.0 and HMAC request signatures.developer.grab.com · read 15 Oct 2026
- Documentation limitation
- The developer guide says Internet Explorer is unsupported and partner setup requires contacting the GrabPay team.developer.grab.com · read 15 Oct 2026
- Fund safeguarding
- Grab says the GrabPay balance is held in a dedicated customer account with United Overseas Bank (UOB).grab.com · read 7 Oct 2026
- Funds safeguarding
- Grab says wallet balances are held in a dedicated UOB customer account and card data and transactions are end-to-end encrypted.grab.com · read 15 Oct 2026
- Java requirements
- The Java SDK requires JDK 8 or newer, the org.json package and Gradle 7.4 or a downloaded Gradle wrapper.github.com · read 15 Oct 2026
- Legal entity and ownership
- Crunchbase identifies the legal name as Grab Holdings Inc., founded by Anthony Tan and Tan Hooi Ling in 2012, with 31 funding rounds shown.crunchbase.com · read 15 Oct 2026
- Licence
- The merchant SDK repository grants no OSI licence and states GrabTaxi Holdings copyright with use governed by API terms.github.com · read 15 Oct 2026
- Limit: app and pricing complaints
- Independent app analysis aggregates complaints about cancellations, driver professionalism, hidden charges and price increases.chrome-stats.com · read 15 Oct 2026
- Limit: customer support
- Trustpilot reviewers repeatedly report inaccessible or ineffective support, unresolved duplicate charges and difficulty obtaining refunds.trustpilot.com · read 15 Oct 2026
- Limit: delivery reliability
- Google Play reviewers report two-hour waits, missing drivers, cold food and opened or missing packages.play.google.com · read 15 Oct 2026
- Merchant checkout
- Online checkout can use GrabPay with a registered mobile number, while in-store payments use merchant-presented or customer-presented QR codes.grab.com · read 15 Oct 2026
- Merchant integrations
- Official payment instructions name Qoo10, Ezbuy and HipVan as online GrabPay merchants and describe QR acceptance at thousands of stores.grab.com · read 15 Oct 2026
- Mobile requirements
- Grab's help centre states iOS 15 or newer is required from May 2026 and Android 7.0 or newer from September 2026.help.grab.com · read 15 Oct 2026
