Which mobile wallet should you choose?

All three tap-as-you-go Pay solutions now available in Singapore


Singapore is one of the first three countries in the world to have access to all three of the latest mobile payment systems - Apple, Android and Samsung Pay.

The arrival of Android Pay two weeks ago gave Singaporeans the trinity of tap-as-you-go solutions where users add their credit cards to their smartphones.

Will it be a case of no more wallets?

Each system has its own pros and cons and ease of use depends on your phone model and credit card's issuing bank.


Samsung Pay has been making waves with good reason. It has the best compatibility with available payment terminals because it supports both NFC and the older magnetic-strip type which makes use of the Magnetic Security Transfer technology.

Any machine or terminal that allows the use of magnetic strip cards will allow your Galaxy phone to use it, thanks to the magnetic coil inside high-end Galaxy devices.

Only Galaxy devices like the S6 Edge+, S7, S7 Edge and Galaxy Note 5 can use Samsung Pay.

Compatible Banks:

CitiBank, DBS, OCBC, POSB, Standard Chartered


Singapore is the third country to get Android Pay. Like Apple Pay, it uses NFC technology.

You can capture your card details by taking a photo or by manually entering your data.

It does not require fingerprint authentication. Instead, it requires your phone's passcode or pattern unlock.

Even then, the extra step is only required after every third transaction.

Android Pay does not work with any apps at the moment, though Google says this will change.

To run Android Pay, your phone has to run Android 4.4 or above and have in-built NFC technology.

Compatible Banks:

DBS, OCBC, POSB, Standard Chartered, UOB


Launched in the US in 2014, but only reached our shores this year.

Apple Pay uses near field communications (NFC) technology to communicate with contactless payment terminals - the same ones which support Visa Paywave and Master Paypass cards.

Apple Pay can capture your credit/debit card information using the iPhone camera. To make your payment, you have to tap your iPhone at the NFC terminal and then use your TouchID fingerprint to verify your payment.

Some iOS apps also work with this system, such as Uber, a feature unique to Apple Pay.

Apple Pay only works on iPhone 5 and later models, as well as the iPad Air 2 and later models.

Compatible Banks:

American Express, DBS, OCBC, POSB, Standard Chartered, United Overseas Bank (UOB)


Samsung Pay has the best compatibility with existing terminals but only works with a limited range of handsets at the moment.

Android Pay works on the most number of handsets, but some users might be concerned over the lack of fingerprint authentication.

Apple Pay has the widest support from banks here and is the only solution currently working with American Express.

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Tags: China, Philippines and sea

Taiwanese celebrity couple slammed too

The South China Sea ruling has gone beyond the political arena. It has even seeped into the entertainment industry, with Chinese K-pop celebs who threw their support behind their country getting slammed by South-east Asian fans. What are the facts of the dispute that has threatened the stability of the region?

UNDER FIRE: Taiwanese actors Ruby Lin and Wallace Huo were criticised after they expressed support for China through the production agencies they own.PHOTO: SINA WEIBO

Angry netizens have lashed out at Taiwanese celebrity couple Ruby Lin, 40, and Wallace Huo, 36.

Production agencies Ruby Studio, owned by Lin, and Hua Jie Company, owned by Huo, took to micro-blogging platform Sina Weibo to express support for China in the South China Sea ruling by reposting a nationalistic poster.

Political relations between China and Taiwan have historically been tense.

Lin and Huo, who are tying the knot in Bali on July 31 amid rumours of Lin's pregnancy, have been active in Chinese showbiz for more than a decade.


Some Taiwanese fans have hit out at the pair on social media, accusing them of pandering to the lucrative Chinese market.

One urged Huo to "stay out of politics", saying: "With talent and natural charm, you don't need to go with the flow to survive. Please don't be a complete sellout."

Another wrote to Lin: "Dear Ruby, I've liked you since I was a kid and I've watched every one of your dramas... But I won't continue liking you any more. I wish you and Wallace all the best. Both of you can get married in China!"

Fans angry after Chinese K-pop stars display patriotism

Celebrities criticised for supporting China after South China Sea ruling

PATRIOTIC: f(x)'s Victoria Song and EXO's Lay, who are Chinese, showed support for their country by reposting on their social media accounts a nationalistic poster with the caption: "This is China, not one bit less."
PATRIOTIC: f(x)'s Victoria Song and EXO's Lay, who are Chinese, showed support for their country by reposting on their social media accounts a nationalistic poster with the caption: "This is China, not one bit less."
PATRIOTIC: f(x)'s Victoria Song and EXO's Lay, who are Chinese, showed support for their country by reposting on their social media accounts a nationalistic poster with the caption: "This is China, not one bit less."

For Chinese stars working in the K-pop industry, it could very well be the worst time to proclaim one's hard-lined patriotism.

On Tuesday, a United Nations-backed tribunal in The Hague ruled in favour of the Philippines in a long-standing international maritime dispute.

It concluded that China has no legal basis to claim historic rights to the bulk of the South China Sea.

But Chinese President Xi Jinping rejected the decision, a sentiment that was immediately echoed on social media by several high-profile Chinese K-pop celebrities.

They included Zhou Mi and Lay from boy bands Super Junior-M and EXO respectively, as well as girl group f(x)'s Victoria Song and Miss A's Fei.

Fei's ex-bandmate and fellow Chinese, Jia, also joined in.

All of them took to their Sina Weibo accounts to repost a nationalistic poster from Chinese newspaper People's Daily.

It shows a map of China and the "nine-dash line" that covers most of the South China Sea, accompanied by the caption: "This is China, not one bit less."


But Song, 29, as well as Lay, 24, and Zhou, 30, received the most backlash after they reposted the poster on Instagram.

K-pop enjoys a massive fan base in South-east Asia.

Fans from the Philippines, Vietnam, Malaysia, Indonesia and Brunei were enraged at the Chinese stars' overt show of patriotism. (See report on facing page.)

Vietnamese netizens, in particular, were especially vocal in their online criticism of the Chinese stars.

According to CNN, the Vietnamese government hotly disputes China's claim of sovereignty over the Paracel and Spratly island chains in the South China Sea.

The country's foreign affairs ministry said it "strongly supports Tuesday's ruling".

But Chinese K-pop fans have thrown their fervent support behind the celebrities, calling them "courageous" and "China's pride".