Guide: Making a Non-FAST Transfer

FAST, which stands for Fast And Secure Transfers, was introduced in 2014 to allow bank customers to transfer funds instantly between accounts of participating banks. It has since become the default way for Singaporeans to transfer money, but there are times when we need to transfer funds without using FAST. For instance, certain banks only recognise non-FAST transfers for awarding bonus interest for salary crediting.

Whatever the reason, I hope this guide comes in useful if you need to do a non-FAST transfer.

Banks that still allow non-FAST transfers

To my knowledge, these are some of the bank accounts that allow for non-FAST transfers. Most require you to use their desktop browser interface to perform such transactions.

Do refer to your bank for any fees that may be involved.

Bank Name	Desktop Browser	Mobile App
CIMB	✔️	❌
DBS	❌	❌
OCBC*	✔️	❌
UOB	✔️	❌

CIMB

Desktop Browser

1. Login to banking portal
2. Tap Local Transfer → Via FAST / Non-FAST
3. Check Via Non-FAST
4. Select recipient and input transfer details
5. If needed, select Purpose Code

DBS/POSB

Update: DBS/POSB’s new interface has seemingly removed the ability to perform non-FAST transfers

Desktop Browser

1. Login to banking portal
2. Hover on Transfer → Tap More Transfer Services
3. Tap To Other Bank Account
4. If required, select Purpose of Transfer

Mobile App

1. Login to app
2. Tap Pay & Transfer
3. Select recipient
4. Uncheck Transfer via FAST
5. If required, select Purpose of Transfer

OCBC

Desktop Browser

1. Login to banking portal
2. Hover on Transfers & payments → Tap Local/Overseas under Funds transfer
3. Tap on to another bank/organisation account
4. Select recipient
5. Input amount and select Now under When to Transfer?
6. Check Money will be deposited via GIRO in 2 to 3 business days
7. If required, select Purpose of transfer (OCBC personal accounts do not offer “Salary” as a choice for this)

UOB

Desktop Browser

1. Login to banking portal
2. Tap Pay and Transfer → Transfer Funds
3. Select recipient and tap Transfer
4. Input transfer details and uncheck FAST TRANSFER
5. If required, select PURPOSE

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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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