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Frequently Asked Questions


Using Stashes

How do I create a Stash?

Here’s how to create a Stash:

  1. Open your BigPay mobile app

  2. Tap ‘Explore’

  3. Then tap ‘Stashes’

  4. Create a new Stash by giving it name and adding some money to get started.

Can I create more than one Stash?

Yes, you may create up to 10 stashes. However, with the multiple Stashes created, the round up will only work with a single stash at a given time.

How do I add and withdraw money from Stashes?
You can add and withdraw money from Stashes in the BigPay app.

➕ Adding money to a Stash

  1. Tap ‘Explore’ in the menu bar and select ‘Stashes’.

  2. Tap the Plus icon next to your Stash balance, then decide how much money to deposit.

  3. Tap 'Next' and we’ll move the money instantly from your BigPay wallet to your Stash.

➖ Withdrawing money from a Stash

  1. Tap ‘Explore’ in the menu bar and select ‘Stashes’.

  2. Tap 'Withdraw', then decide how much money to withdraw.

  3. Tap 'Next' and we’ll move the money instantly into your BigPay wallet.

How do I close my Stash?

Here’s how you can close your Stash:

  1. Tap ‘Explore’ in the menu bar and select ‘Stashes’.

  2. Toggle off ‘Round up payments’. This will stop rounding up the spare change from your purchases and putting it in your Stash.

  3. Tap on ‘Withdraw money' and move your Stash balance to your wallet instantly.

That’s it!

What are the benefits of using Stashes?

Stashes let you organise your money by keeping things separate from your wallet balance.

Create a Stash and use that as your personal space to save money and budget. It helps you track how much you save, just like you can track your spending with our analytics feature.

Stashes is also a great way to protect your money. That’s because you can’t accidentally spend what’s in your Stash. This stops you from blowing your budget and having some emergency funds set aside for rainy days.

You also get instant access to your money whenever you want it, unlike some savings accounts. So if you decide to dip into your Stash to buy something you’ve been saving up for, you can move that money into your wallet balance in seconds to do just that.

Here are some ways Stashes can work for you:

  • Setting aside money for a rainy day

  • Saving up for a holiday or big purchase

  • Storing money you want to send in another currency

  • Planning for bills or other future expenses

Is the money in my Stash protected?

BigPay is regulated by the Monetary Authority of Singapore (MAS) and Bank Negara Malaysia (BNM), or the Central Bank of Malaysia. Just like all money you hold in BigPay, money in your Stashes is safe.

How BigPay keeps your money safe 👀

Security | BigPay | We take your money's security and protection seriously.

How much can I save in a Stash?
You can save as much money in a Stash as you like. However, your Stash and wallet balance combined can’t be more than RM20,000 at any one time.

Can I spend the money in my Stash?

No, you can’t directly spend money saved in your Stash. Your Stash balance is kept separate from your wallet to help you save and budget better. This means that you can’t accidentally spend what you put in your Stash.

To use the money you’ve saved, you need to transfer the funds from your Stash to your wallet.

Can I withdraw my Stash balance at any time?

You can move money from your Stash to your wallet whenever you want and without any extra cost. The same goes for adding money to your Stash from your wallet.

Do I get interest with the money I save in a Stash?

For now, you don’t earn interest from your savings with Stashes. We’re working on making this happen, so stay tuned for future updates!

Can BigPay use my money saved in the Stash?

Money that you add into your Stash is yours alone. We won’t use it for any other purposes.

Can I share my Stash with other BigPay users?

At the moment, you can’t share your Stash with other users. Each Stash is individual to each user to add and transfer money into their own accounts. We’re working on letting you share your Stash with friends and family in the future, so stay tuned for that!

Saving more with Round-ups

How do I use Round-ups?

Round-ups help you save as you spend. This means that all card payments will be automatically round up to the nearest Ringgit or Singapore dollar, and that spare change will be put in your Stash.

Imagine this example: 

You buy a butter croissant at the bakery for $1.60.

Thanks to Round-ups, we’ll round up your card purchase to an even $2, and automatically send that $0.40 straight to your Stash

It’s easy—the more you use your BigPay card, the more change you’ll stash away to save more.


Money in a Stash is kept separately from your balance. You can’t accidentally spend it with your debit card, and you can’t send it or use it to pay Direct Debits.

How do I turn on/off Round-ups?

Round-ups is automatically activated the minute you create a Stash.

Here’s how to turn it on or off:

  1. Tap ‘Explore’ and then select ‘Stashes’

  2. Tap the toggle for ‘Round up payments’ to either on or off

Can I have Round-up apply to multiple Stashes? 

No, you can only have one active round-up at any time. If you have multiple stashes created, you can select on the intended Stash and activate Round-up for it. 

What are round-up boosters? 

Round up boosters help you add more money in your Stash for every transaction. You can select different boosters to help you budget even better. 

For example: 

You have enabled a $2 round up booster. You buy a butter croissant for $1.60. Thanks to Round-ups boost, we'll round up your card purchase to an even $2, and automatically send that $0.40 and another $2 (from your booster) straight to your Stash. This means that you will now have an additional $2.40 in your Stash. It's easy - the more you use your BigPay card, the more change you'll stash away to save more! 

How does Savings Goals work? 
You can set your desired savings amount and date you'd want to have in your Stash. Once your goal is reached, you will be notified via the app and then be given an option to continue that Stash with a new target amount. 

What are Scheduled Deposits? 

Scheduled deposits allow you to set a frequency to move money from your main balance to your Stash. It allows you to set a rule and we'll do the rest. You can set a start day, frequency (monthly or weekly) and set an end date. You can also easily stop your scheduled deposits any time you want. 

What is a Locked Stash? 

Locking a Stash helps you stay true to your goals. Don't worry the money is still there and you can still access it. We just give you an extra nudge to reconsider when you try to withdraw. If you would still like to withdraw, you can still do that after confirming that you'd like to unlock and withdraw from your Stash. 

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