Activate your virtual account 
in 3 minutes.

Pay like a Local with 

  • Open your account within 3 minutes
    Easily open your personal account within 3 minutes via MyInfo
  • Manage your expenses
    All incoming and outgoing transactions are automatically tracked.
  • Top-up with ease
    Seamless deposits via PayNow, Bank Transfer or Credit Card.
  • Dual currency
    We currently support SGD and USD. Stay tuned for the integration of more currencies.

Send and receive money

Remit money

Send money to China or UnionPay card user in 60 secs.

Receive money

Receive money from 7.5 billion UnionPay card users from 34 countries and 67 banks globally.

Select your choice of currency

USD & SGD currency in one single account.

Pay globally

  • Worldwide acceptance
    Worldwide acceptance of virtual UnionPay cards.
  • Online & offline payment
    Now you can shop and pay seamlessly on and offline globally, including e-commerce sites in China.

QR Pay like a local whenever you are in China 

Enjoy hassle-free mobile payments via QR code in China. No more exchanging your local currency to Chinese Yuan. Simply top up your AP-1 Card via PayNow and pay like a local in China.

Worldwide acceptance 

Worldwide acceptance of virtual UnionPay cards in 51 million merchants in 178 countries.

Shopping rebates 

Enjoy UnionPay International rebates at airports, duty-free outlets and shopping malls.

Eligibility & requirement

  • Applicants must be at least 18 years of age
  • Singaporeans and pass holders, apply via MyInfo
  • Foreigners must upload a copy of their passport and proof of address for verification. In addition, a selfie video is required for liveness check.

Secured and regulated

  • Freeze and unfreeze your virtual card
    In the unfortunate case that your phone becomes lost or stolen, you should log in to your account to freeze your virtual card. Unfreeze your card when you are ready to use it.
  • Your funds are protected
    The safety of your money is of our utmost priority, as a Principal Member of UnionPay International, all your transactions are processed and protected by UnionPay's International rules and standard.
  • Secured payments
    Dynamic QR code offers a more secure payment experience. Any data which is transferred via QR codes is encrypted thus making the payment secure.

3 steps to account opening

Step 1:
Download our app

Step 2:

Singaporeans & Pass holders

  • Apply via Myinfo


  • Upload image of your passport
  • Proof of address
  • A selfie video for liveness check

Upon Successful Verification

    Step 3:

    1. Select the account to activate your wallet

    2. You will be prompted to activate the account by entering Payment Pin

    3. A pop-up message displaying "successful activated" will then appear upon successful activation

    4. You can now proceed to do the top-up via PayNow or Bank Transfer