What is the DBS Bank 12-hour coolingperiod?

It is a 12-hour delay before certain changes take effect. It covers adding a new payee, increasing daily transfer limits, and updating contact details. The goal is to stop fast scams that rely on instant setup and transfers. It aligns with controls at OCBC and UOB under Singapore’s SRF.

How do DBS transfer limits change under the policy?

You can still request a higher daily cap, but the new limit activates only after 12 hours. Regular transfers within your current cap are not affected. Plan ahead for large payments, payroll, or one-off big-ticket items, since first-time payees and limit hikes will face the waiting window.

Why link this move to the Shared Responsibility Framework?

The Shared Responsibility Framework sets clear duties for banks and partners to reduce scam losses. The DBS Bank 12-hour coolingperiod adds friction where fraud risk peaks. That can cut losses and lower residual liability. It also standardises customer experience, since OCBC and UOB use similar 12-hour safeguards.

Will this affect D05.SI stock performance near term?

We do not expect a material revenue hit. The change may lower fraud costs and liability risk, which is positive for stability. Near term, the stock trades in a range with neutral momentum. Key drivers remain earnings on 30 Apr 2026, credit costs, fee growth, and market rates.

How should I prepare for the new payee delay?

Add beneficiaries ahead of time and set transfer limits before large payments. For time-sensitive invoices, create the payee at least 12 hours early. Confirm contact details so you do not trigger the pause by accident. These steps reduce friction while keeping your account safer from fast scams.

Global Market Insights

D05.SI Stock Today: February 23 — 12-Hour Cooling Period for New Payees, Limits

ByDanny Kontos February 23, 2026February 23, 2026

DBS Bank 12-hour coolingperiod will start from 7 March, adding a pause before new payees, higher transfer limits, or contact detail changes take effect. The move targets scam losses and fits Singapore’s Shared Responsibility Framework. For investors, we see lower liability risk with limited revenue impact. Shares of D05.SI last traded at S$57.62, within today’s S$56.93 to S$57.78 range, near the 50-day average of S$57.2738 and above the 200-day average of S$51.40075. We break down implications for customers and the stock.