When does the policy start and what triggers the 12-hour delay?

The DBS 12-hour cooling period starts on Mar 7. It applies when you add a new payee, increase your daily DBS transfer limits, or update your registered mobile number or email. Those changes will only activate after 12 hours. Everyday transfers to existing payees, PayNow to saved contacts, GIRO, standing instructions, and card transactions continue as usual. The delay targets setup actions that scammers often rush victims to complete.

How can I avoid delays for urgent, high-value payments under the new rules?

Plan ahead. Add new payees and raise DBS transfer limits at least 12 hours before you need to send funds. For large S$ payments, schedule early or split transfers into planned tranches that fit your existing limit. Keep conservative defaults, enable alerts, and confirm details with a small test transfer after activation. If a deadline is tight, prepare recipients and limits the day before to avoid the cooling-off window.

Does the 12-hour window affect PayNow, GIRO, or card transactions?

No. The cooling-off window does not affect routine transactions. Transfers to existing payees, PayNow to saved contacts, GIRO deductions, standing instructions, and card payments will continue as normal. The DBS 12-hour cooling period only delays high-risk setup actions like adding a new payee, lifting daily DBS transfer limits, or changing your contact details. It is designed to block rushed edits that scammers try to push through rapidly.

What does this change mean for DBS investors?

It lowers fraud losses and refunds by slowing risky setup events, which should reduce volatility in operating costs. Alignment with OCBC and UOB shows strong governance, shrinking regulatory risk and supporting customer confidence. While there is minor friction for new payees and limit changes, everyday usage remains intact. Overall, the DBS 12-hour cooling period supports long-term value by protecting the franchise with little impact on margins or transaction growth.

Global Market Insights

DBS Today, February 22: 12-Hour Cooling-Off for Transfers, New Payees

ByDanny Kontos February 22, 2026February 22, 2026

The DBS 12-hour cooling period starts on Mar 7 for adding new payees, increasing DBS transfer limits, and updating contact details. This anti-scam measure mirrors safeguards at OCBC and UOB, and aims to cut fraud losses without slowing everyday banking. For Singapore customers, it adds a short pause only when making changes that scammers often exploit. For investors, stronger controls can reduce refunds and regulatory risk while supporting trust. We explain what changes, how to prepare, and why the trade-off looks worthwhile.