Singapore Tip: Use Changi Pay for Cross-Border Cashless Payment

12 October 2025

Alipay+ is a suite of cross-border mobile payment and digitalisation solutions that connects global merchants with consumers, allowing customers to use their preferred e-wallets and banking apps for seamless payments abroad — in over 66 countries. For merchants, it simplifies the process by enabling them to accept a wide range of payment methods from different countries through a single integration.

(Image by Mudassar Iqbal from Pixabay)

For Singapore residents, including foreigners residing in Singapore, there are a number of options for cross-border, cashless payment. At the time of developing this article, three Singapore-based apps ride on the Alipay+ payment network, namely Changi Pay, EZ-Link Wallet and OCBC Digital. More will probably be added in future.

This article will focus on Changi Pay as:

OCBC Digital requires an account with OCBC Bank, it may not be applicable to all Singapore residents. If you are interested in OCBC Digital, refer to OCBC’s website for details.
EZ-Link app is retired effective from 10 December 2025. The SimplyGo app that incorporated all features of the EZ-Link app, including the EZ-Link Wallet, does not support Alipay+.
GrabPay partnered with Alipay+ in 2024 to enable retail payment via GrabPay QR, Alipay+, SGQR, DuitNow, etc.
ShopeePay joined Alipay+ in March 2026.

Changi Pay

Changi Pay is a digital wallet that is integrated into Singapore’s Changi App that facilitates cashless payments at Changi Airport and Jewel Changi Airport, as well as globally via the Alipay+ network. Users can also manage e-vouchers, earn Changi Rewards points, and enjoy competitive exchange rates with no foreign transaction fees when paying abroad.

The e-wallet allows residents in Singapore to top up funds into a linked Liquid Account for seamless QR code payments in participating countries, including mainland China, Hong Kong, Macau, Malaysia, etc, without needing a local bank account.

Key Points:

Download “Changi App” from authorised app stores.
Setup Liquid Account with Singapore-registered mobile number and verify identity using SingPass.
Top-up the e-wallet with SGD fund via PayNow.
In Singapore, scan merchant’s SGQR code to make payment in SGD.
In Changi Airport, Jewel Changi and iShopChangi.com, or when overseas, scan merchant’s Alipay+ QR code to make payment.
Currency conversion rate is determined by Alipay+ at time of transaction and both the rate and converted amount in SGD will be indicated on the app before confirming payment. The converted amount will be deducted from the e-wallet. There is no transaction fees for overseas payments via Alipay+, so there is no hassles to request for splitting of bills with amounts above CN¥200 (or equivalent).
Remaining funds in Changi Pay can be withdrawn by downloading “Liquid Pay” app and request for withdrawal.

More: Changi Pay @ Changi Airport