General information on GovCash
1. What is GovCash?
GovCash is a payment mode that allows Singapore citizens to receive their benefits from Government agencies more quickly and conveniently. Singaporeans can withdraw their Government benefits in cash from over 500 OCBC ATMs located across Singapore.
Previously, cheque recipients would have to deposit the cheques or encash them over the bank counters. GovCash allows them to receive their benefits at the OCBC ATM immediately at any time of the day. They are no longer restricted by the bank’s operating hours. Singaporeans who prefer to seek assistance with their GovCash withdrawals can visit the ATMs located within OCBC’s branches during operating hours, where OCBC Digital Ambassadors will be present to guide them. In addition, GovCash also allows recipients to use the scan-and-pay function and PayNow-NRIC transfer option through the LifeSG mobile app.
2. Is GovCash safe?
GovCash is as secure as receiving payments via cheque. It adopts the Singpass facial verification technology to authenticate users, including a liveness-detection capability that blocks the use of photographs, videos or masks during the verification process. Users are also required to key in their unique 8-digit Payment Reference Number (PRN) during the withdrawal of the Government payment at the OCBC ATMs.
Withdrawal via GovCash
1. How do I receive my cash benefit via GovCash?
You can transfer your benefits to your PayNow-NRIC-linked bank account or make payments to merchants by scanning their PayNow or NETS QR code using the LifeSG app.
The LifeSG app can be downloaded from the Apple App store or Google Play Store.
Alternatively, you can withdraw your cash payment at OCBC ATMs islandwide. You just need to enter:
a) Your unique 8-digit Payment Reference Number (PRN)
b) Your NRIC number; and
c) pass the facial verification
You do not need to have an OCBC bank account to use this service.
You will receive the PRN via a letter and your Singpass app (if any) or SMS after AP cash has been paid. You can also log into the e-services with your Singpass to view your PRN by selecting “GovCash PRN” that is found at the menu on the left. This will only be available after the payment has been made.
3. I lost my letter containing the Payment Reference Number (PRN), can someone else take my money?
It is not possible to withdraw the money with just the PRN as GovCash uses the Singpass Face Verification technology to authenticate users during the withdrawal of the Government benefits from OCBC ATMs. The Face Verification technology incorporates a liveness-detection capability that blocks the use of photographs, videos and masks during the verification process.
This security feature prevents any fraudulent withdrawal of the Government benefit by third party using photographs or videos belonging to the beneficiary and ensuring only the eligible Singaporean can perform the withdrawal of his or her Government benefit.
4. Can you re-send my Payment Reference Number (PRN) to me?
You can log into the e-services with your Singpass to view your PRN by selecting “GovCash PRN” that is found at the menu on the left. This will only be available after the payment has been made through GovCash.
5. What should I do if my face recognition at the ATM with GovCash functions is unsuccessful?
Should the ATM be unable to verify your identity via Singpass Face Verification, please try again at the ATM. If further attempts are unsuccessful, please visit a NEW ATM located at selected OCBC branches (refer to OCBC website for latest list of NEW ATMs) during the branch operating hours, and OCBC Digital Ambassadors will be available to render assistance.
6. I require help with my Govcash withdrawal, where can I go?
Singaporeans who require assistance with their GovCash withdrawals can visit a NEW ATM located at selected OCBC branches refer to OCBC website for latest list of NEW ATMs) during the branch operating hours, and OCBC Digital Ambassadors will be available to render assistance.
7. Is there a specific time frame for me to withdraw/utilize my GovCash?
You can choose to withdraw/utilize your GovCash later and at your convenience. However, as the intent of the AP scheme is to cushion the impact of the planned GST increase for all Singaporeans, you are encouraged to withdraw/utilize your GovCash for your daily expenses.
8. How do I know if the merchants allow me to make purchases using my GovCash?
You can only make purchases at merchants that accept PayNow/NETS QR code using the LifeSG app. You can look out for the PayNow/NETS logo on the SG QR label that is displayed by the merchants.
9. How can I withdraw my GovCash if I cannot personally perform the ATM withdrawal?
Option 1: Use LifeSG to transfer to PayNow-NRIC linked bank account
If you have an existing bank account, you can link your account to PayNow-NRIC with your bank. Thereafter, login to LifeSG mobile app (LifeSG) using your Singpass to transfer your GovCash to your PayNow-NRIC linked bank account. You will be able to receive future Government benefits more quickly into your PayNow-linked bank account.
Option 2: Use LifeSG for Scan & Pay
You can use LifeSG to scan participating merchant’s QR code for purchases or scan your friend/family’s QR code to transfer your GovCash to them.
Option 3: Appoint a proxy to perform ATM withdrawal on your behalf
You can appoint a proxy or if you are no longer able to appoint a proxy due to your medical condition, your official representative can act as your proxy to perform the ATM withdrawal on your behalf. To do so, the following conditions must be met:
The proxy must be:
- Aged 21 years and above; and
- Is a next-of-kin or caregiver or appointed donee under the Lasting Power of Attorney (LPA) of the beneficiary
a) Memo or medical report signed-off by a medical doctor, which certifies the beneficiary’s medical condition that disallows him/her to personally perform the ATM withdrawal
Note: If the condition is non-permanent, the medical documentation must be dated within 1 year from the date of transaction by proxy. However, if the condition is known to be permanent (e.g. bedridden, immobile, physically incapacitated, disabled, intellectually disabled, autism, down syndrome, cerebral palsy, etc), the medical documentation can be dated any time, and be used for future transactions.
b) Photocopy of beneficiary’s NRIC
c) Beneficiary’s GovCash Payment Reference Number (PRN) which is indicated in the payment notification to beneficiary
d) Proxy’s original NRIC
Bring the required documents and visit a NEW ATM located at selected OCBC branches (refer to OCBC website for latest list of NEW ATMs) during the branch operating hours. OCBC Digital Ambassadors will be available to render assistance.
Receiving my payments via alternative mode
1. What should I do if I do not want to receive my payments via GovCash?
If you do not wish to receive your AP Cash via GovCash, we would encourage you to register for PayNow-NRIC for your bank account with your preferred bank. You may contact your bank for specific details on how to register your NRIC on PayNow.
If you have linked your NRIC to PayNow, your future AP Cash (if any) will be automatically credited to your PayNow-NRIC-linked bank account. You may contact your bank to check if you are registered on PayNow-NRIC.
Alternatively, you can choose to receive your payments via crediting to your bank account. To do so, you may login to the e-services using your Singpass, select “Payment Instruction” and update your POSB/DBS, OCBC or UOB bank account details.