How to withdraw NS55 credits as cash or use it at participating merchants?

NS55 Credits Withdrawal as Cash - Sheng Sheng $TM Machine
Are you a NSMan or NSF who received the S$100 NS55 credits? Learn how to convert the credits into cash or use it at participating merchants. But first thing first, download the LifeSG App!

What is NS55 credits and who is eligible to receive them?

NS55 credits, officially known as National Service 55 (NS55) Recognition Package, is a reward given to past and present NS servicemen for their contributions to Singapore’s defence and security. All NSFs, past and present NSMen from both SAF and HomeTeam will receive S$100 credits that they can utilise at participating merchants. 

Eligible personnel for this reward will be notified via mail. The credits will be progressively added to each individual’s account from 1 July until 30 July 2022. To redeem the credits or check its balance, you can download the LifeSG app and then login with SingPass.

On top of the cash credits, NSMen are eligible for one-year SAFRA or HomeTeamNS principal membership for free. For the free SAFRA membership, a separate registration is required. For the free HomeTeamNS membership, only those without HomeTeamNS membership will need to register to receive the free membership. One year extension will be automatically added for existing members.

Where can I redeem NS55 credits? List of all NS55 merchants

The NS55 credits can be spent at any online or offline merchant that accepts NETS QR or PayNow UEN QR. The following is a non-exhaustive list of participating merchants where you can use your NS55 credits:


  • Amazon
  • Qoo10
  • Shopee
  • TotallyHotStuff


  • Artary
  • Crestar
  • Edufirst Learning Centre
  • LCentral English
  • LingoAce
  • Medley Music School
  • Mind Stretcher
  • Nurturestars Preschool
  • SAFRA Canvas Ark
  • StepUp Learning & Dance
  • ThinkersBox
  • Tien Hsia Language School
  • Yamaha Music

Bakery & Confectionery

  • Cat & the Fiddle
  • Duke’s Bakery

Casual Dining & Fast Food

  • Axsolute Bistro
  • Canadian Pizza
  • Domino’s Pizza
  • Koi
  • McDonald’s (pay at counter only)
  • Nassim Hill
  • Pizza Hut
  • Renew Deli
  • Springleaf Prata Place
  • Sushi Express
  • Wingstop (at SAFRA Punggol only)

Food Kiosks & Light Bites

Restaurants & Cafes

  • Andersen’s of Denmark
  • Brewerkz
  • Café Iguana
  • Curry Times
  • Do Qoo Singapore
  • Eatzi Steakhouse Bistro
  • FOREST5 Darts Café
  • Georges
  • Golf Spot Cafe & Bistro
  • Huo Guo Kung Fu
  • Jack’s Place
  • Jubilee Garden Restaurant
  • KPO Café & Bar
  • L’Espresso
  • Pearl Garden Restaurant
  • Princess Terrace Café
  • Rasa Istimewa
  • SaVanh Bistro & Lounge
  • Shima Restaurant
  • Siam Kitchen
  • Suki Suki Thai Hot Pot
  • Summer Garden Restaurant
  • Tien Court Restaurant
  • Timbre X SEA
  • Timbre+ One-North &
  • Timbre+ Eastside
  • Turandot Music Restaurant Bar
  • WTF by IndoChine

Beauty & Wellness

  • Nature’s Farm
  • QN Wellness
  • Sri Bayu Balinese Spa
  • The Spa by The Ultimate

Books & Stationery

  • Klosh
  • Popular
  • The Write Connection

Departmental Store

  • BHG

Electronics & Technology

  • Audio House
  • Best Denki
  • Bose
  • KDK
  • mc.2
  • Ruhens SG
  • Sony


  • Arena Billiards
  • Clique Billiards
  • Clique Gaming
  • Fame Music & Entertainment
  • HaveFun Karaoke
  • Headrock VR
  • Jewel Music Box
  • Lagoon Billiard Room
  • Lagoon Snooker Centre


  • Bata
  • BOTF
  • Crumpler
  • Havaianas
  • Luminox
  • Superga

Leisure & Travel

  • Chan Brothers Travel
  • Kidz Amaze
  • Park Hotel Group Gift Mall
  • Park Regis Singapore
  • Sonic Bowl
  • SuperBowl
  • White Sails

Mall Vouchers

  • Frasers Property Gift Cards



  • Active Lifestyle
  • BazGym Gymnastics School
  • Onyx East
  • Reflex-O Recreations
  • SAFRA EnergyOne Gym
  • Yoga Inc.

Supermarkets & Convenience Stores

  • 7 Eleven
  • Cold Storage
  • NTUC FairPrice
  • Giant
  • Guardian
  • Sheng Siong

Some of these merchants offer additional discounts and freebies when you pay for their products and services using NS55 credits. Until 31 July 2022, NTUC FairPrice is offering a $6 return voucher for spending a minimum of $55 in a single receipt using NS55 credits.

Click here for the latest merchant list and information on NS55.

How to convert NS55 credits into cash?

NS55 Credits Withdrawal as Cash - Sheng Sheng $TM Machine

Since the credits started to be added into recipient’s LifeSG account, many have spared no time in utilising them. Apart from redeeming the credits at restaurants and supermarkets, tech-savvy guys found a hack to convert the digital credits to cash at Sheng Siong Supermarket’s $TM machines (the chain’s proprietary ATM that dispenses cash). 

These $TM machines are located at almost all of Sheng Siong’s outlets where one could withdraw cash using OCBC/UOB ATM card, PayNow, SoCash, or Singtel Dash, albeit with a S$0.20 service fee. As of 9 July 2022, the only Sheng Siong outlet WITHOUT a $TM is at Blk 258 Pasir Ris Street 21.

As the NS55 credits are redeemed by scanning participating merchant’s PayNow QR code via the LifeSG app, similarly you can also scan the PayNow QR code at Sheng Siong’s ATM to withdraw cash. Many Singaporeans have successfully tried this hack on 6 July 2022 and shared their stories online.

On 7 July 2022, the $TM PayNow service was put under maintenance and no withdrawals were allowed. It was only until 8 July 2022 that the service resumed. On 9 July 2022, MINDEF responded to Channel News Asia’s query about the legality of encashing NS55 credits. In MINDEF’s official words, “National servicemen are free to decide how they would like to use the credits.

Hooray! For those who are still undecided whether to convert their credits to cash for fear of violating any rules, regulations or laws, now you are free to do so! You can also consider topping up your YouTrip wallet with the NS55 credits and convert it into foreign currencies.

Steps to withdrawal NS55 credits at Sheng Siong's ATM

  1. Locate a Sheng Siong’s Simple Teller Machine ($TM)
  2. Tap on “PayNow” option
  3. Select “Other Amount”
  4. Enter “90” and tap “With Receipt”. As there is a S$0.20 service fee for withdrawal, the maximum you can draw in this NS55 credit case is S$90.
  5. Open your LifeSG app, under “Benefits and support” section, tap “View details” button.
  6. Scroll down to tap on “Scan QR code to Pay” button.
  7. Use your phone to scan the QR code on Sheng Siong’s $TM screen.
  8. Wait for your cash to be dispensed. Be patient, it may take some time.
  9. Retrieve your receipt.
  10. Check your NS55 credit balance in the LifeSG app. You should have S$9.80 left to use on other participating merchants.

Congratulations on receiving your S$90 cash!

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Andrew L
A geek who's into start-up scene, business and technology. True blue Singaporean who checks his phone every other minute for breaking news and is someone who must always be in the know. Dislike queuing, though.

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