GrabPay
GrabPay Wallet is a free mobile e-money wallet for Android and iOS.
What GrabPay is
GrabPay Wallet is a free mobile e-money wallet for Android and iOS. Users top it up with PayNow, so a credit or debit card is not required, then use the balance for Grab services, bills, online shopping, or in-store payments by scanning a merchant QR code. The wallet supports instant transfers that users can send or request without fees, plus payment notifications and detailed transaction history. GrabPay says spending can earn up to 0.5% back in GrabRewards points for each dollar spent. Access uses a Grab PIN, fingerprint authentication on Android, or Face ID on iOS. Grab says activity is monitored by a 24/7 fraud detection engine, the service is PCI DSS level 1 compliant, and balances are held in a dedicated UOB customer account. Identity verification is required, and wallet limits apply.
Good
- Free wallet on Android and iOS
- PayNow top-ups without a card
- Fee-free instant transfers
- QR payments for stores
- PIN and biometric access protection
Watch out
- Identity verification is required
- Wallet and transaction limits apply
- International transfers are not supported
Who it suits
GrabPay suits Android and iOS users who want payments, PayNow top-ups, peer transfers and GrabRewards in one wallet. It is also relevant to users comfortable with identity verification and wallet limits.
Verdict
GrabPay combines everyday payments, transfers and rewards in a free Android and iOS wallet. Consider the verification and transaction limits before relying on it for larger balances or payments.
Plans and prices
From GrabPay's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| GrabPay Wallet | Free | Basic wallet balance up to SGD 1,000 · Premium wallet balance up to SGD 5,000 · transfers up to S$5,000 · Free app download |
The facts
Each one read from GrabPay's own pages, with the date it was checked.
What it does
- Access protection
- The wallet is protected by a Grab PIN and supports fingerprint authentication on Android and Face ID on iOS.checked 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.checked 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.checked 15 Oct 2026
- Developer onboarding
- Partner integrations require manual setup with GrabPay, credentials, OAuth 2.0 and HMAC request signatures.checked 15 Oct 2026
- Documentation limitation
- The developer guide says Internet Explorer is unsupported and partner setup requires contacting the GrabPay team.checked 15 Oct 2026
- Fund safeguarding
- Grab says the GrabPay balance is held in a dedicated customer account with United Overseas Bank (UOB).checked 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.checked 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.checked 15 Oct 2026
- Licence
- The merchant SDK repository grants no OSI licence and states GrabTaxi Holdings copyright with use governed by API terms.checked 15 Oct 2026
- Limit: customer support
- Trustpilot reviewers repeatedly report inaccessible or ineffective support, unresolved duplicate charges and difficulty obtaining refunds.checked 15 Oct 2026
- Limit: delivery reliability
- Google Play reviewers report two-hour waits, missing drivers, cold food and opened or missing packages.checked 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.checked 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.checked 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.checked 15 Oct 2026
- Outage: card payments
- Grab reported a September 28, 2024 disruption that temporarily prevented credit-card transactions and wallet top-ups because of a third-party payment-provider problem.checked 15 Oct 2026
- Payment compliance
- Grab says GrabPay is PCI DSS level 1 compliant.checked 7 Oct 2026
- Payment methods
- Users can top up wallet balance with PayNow, credit or debit cards, online banking and automatic top-up.checked 15 Oct 2026
The company
- Company identity
- LinkedIn lists Grab as a public software-development company founded in 2012, headquartered in Singapore, with 5,001–10,000 employees.checked 15 Oct 2026
- Company news
- Grab reported Q2 2026 revenue of $997 million, up 22% year over year, on August 4, 2026.checked 15 Oct 2026
- Founded
- 2012checked 28 Sep 2026
- Headquarters
- 3 Media Close, Singapore 138498checked 28 Sep 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.checked 15 Oct 2026
Money
- Free plan
- Yeschecked 20 Sep 2026
Where it runs
- Limit: app and pricing complaints
- Independent app analysis aggregates complaints about cancellations, driver professionalism, hidden charges and price increases.checked 15 Oct 2026
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