Specify your desired withdrawl amount (I chose $10 just to try it out) Enter your address (the app tries to identify your location if you give it permission but somehow fails miserably for me) and locate their nearest cashpoint. Make your way to the selected merchant. Tell the app you’re there. Approach the cashier and ask to scan the QR code. Login to your Internet banking, wait for the OTP SMS code and enter it (I chose to use my DBS for this). Collect your $10. Check your iBanking to verify that only $5 was deducted.
Full article: https://mrlim.com/2018/04/socash/