To ensure security, it is not possible to withdraw the money using only the Payment Reference Number. GovCash uses the Singpass Face Verification technology during the withdrawal process at OCBC ATMs. This technology incorporates a liveness-detection, which prevents the use of photographs, videos or masks for verification.

 

This security feature prevents fraudulent withdrawals of Government benefits by third parties using photographs or videos of the beneficiary. It ensures that only eligible Singaporean can access and withdraw their Government benefits.