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Latest Products

Credit Card
Citi Cash Back Visa Card
Citi Cash Back Visa card offers up to 8% cash back for Dining, Petrol and Grocery purchases. It also boasts .25% cash back for all other retail purchases with no cap. It is very ideal for cardholders who tend to use their cards for Dining, Petrol and Grocery purchases as apart from the fact that you get 8% cashback for these purchases, you can also save up to 20.88% savings on fuel purchases at Esso and Shell stations worldwide.

Credit Card
Standard Chartered Unlimited Cashback Credit Card
Unlimited Cashback Credit Card allows high spenders to conveniently maximize earnings and enjoy great transit benefits. By using this card, you are accessing a no cashback cap and no minimum spend. By using this card. If you ever use this card, you'll earn unlimited 1.5% flat cash back with no minimum required spend.

Credit Card
Citi PremierMiles Visa Card
Citi PremierMiles Visa Card is the best travel card available for people who travel often–and would like a few perks–but aren't willing to pay a high fee for them. Cardholders earn a respectable rewards rate of 1.2 miles per S$1 local spend, 2 miles overseas, and up to 10 miles with select travel booking sites. And, unlike some competitors, miles earned never expire and can be flexibly redeemed with over 60 airlines and 8,000 hotels.

Credit Card
HSBC VISA Infinite Credit Card
HSBC Visa Infinite Credit Card will make you experience the extraordinary by giving the most exclusive travel and dining privileges you need. These are based on your own preference that will suit your style. Do not be afraid to travel because there is automatic travel insurance not only for you but also for your whole family. Be rewarded with 15,000 HSBC Reward points for successful card referrals whether a family member or other. Also, for every S$1 spent, 2.25 miles will be gained, which is the best way to gain miles.

Credit Card
Citi Rewards Card
Citi Rewards Credit Card is the best credit card you can get for rewards. It is very ideal for smart shoppers and for those who would like to get huge returns whenever they spend. If you normally shop online or you are an in-store shopper, this is highly recommended. The credit card entails 10X rewards for every S$1 spent online and also cardholders would enjoy 10X rewards for every S$1 spent on retail shopping worldwide and 1X reward for all other spend.

Credit Card
Citi Prestige Card
Citi Prestige Card is a top contender among the ranks of luxury travel cards. It offers a wide range of benefits including Complimentary Night Stay, Privileged access in golf courses in Singapore, Malaysia, Indonesia and China, VIP access for airport lounges, priority pass and limousine transfers, Concierge services and up to 30% ThankYou points and it also provides Personal and Accidental benefits when you use your Citi Prestige Card for travel fares and Overseas Medical Benefits.

Credit Card
Citibank SMRT Card
Citibank SMRT Card is a great deal if you want to shop and save at the same time. These savings are set aside in the form of SMRT$ which can be exchanged for cash rebate or vouchers. It also offers NO CONVENIENCE FEE for EZ-Relaod Auto Top-up transactions.

Credit Card
HSBC VISA Platinum Credit Card
HSBC Visa Platinum Credit Card paved way for a flexible program that allows cardholders to save from dining, groceries and fuel purchases while at the same time enables cardholders to earn cashback. As their slogan goes: "Make family time more fulfilling", it truly empower cardholders to spend more quality time with their loved ones, apart from the 5% cashback for Dining, Groceries and Fuel purchases,it also offers a wide variety of benefits for Leisure, Dining,Travel, Enrichment, Shopping and more offers that the cardholder and family can enjoy.

Credit Card
HSBC Advance Credit Card
HSBC Advance Credit Card provides a delightful deal for cashback lovers. You can get S$1500 and more cashback annually. The program entails 3.5% cashback for purchases local and overseas for all merchant categories. The great thing about the cashback is that it relies on the total amount that you spend per period rather than select-merchant-categories only. Additional feauters of the card includes: Apple Pay, Visa payWave, SimplyGo, HSBC Virtual Card and Travel Insurance Coverage.

Loan
Citi Personal Loans
(Note to Editor: - Citi Personal Loans, redirects to Citi Quick Cash) Citi Quick Cash offers a flexible way for clients to convert your Citi Credit Card or Citi Ready Credit limit into cash which can be payable in monthly installments and monthly payments. It can be used for almost anything you would like, from home improvement, ticket purchases and even urgent expenses such as medical bills or unexpected repairs and much more!

Loan
HSBC Personal Loan
HSBC offers a personal loan of up to 4X or 8X of your monthly income with a fixed repayment amount or you can also have it on an installment basis. A wide variety of application channels and provides a low processing fee of *1% of the approved loan.

Loan
OCBC ExtraCash Loan
OCBC offers a diverse type of loans which can range from Cash Loans, Student Loans, and similar types of financing. Not to be looked down, but OCBC is very ideal low-income individuals as it provides a justified interest rate and also offers fixed payment and flexible payment options.

Loan
DBS Personal Loan
DBS Personal Loan provides a loan with one of the lowest interest rate and can be considered as one of the banks which offers a low interest rate per annum. Close to real-time processing as it can supply the funds you'd need at the shortest time possible.

Loan
UOB Personal Loan
UOB Personal Loan has an attractive offer which is to showcase a very low repayment amount calculated per day with a flexible loan tenor and aims to educate clients in order to take a good control of finances for fixed monthly payments.

Loan
Standard Chartered CashOne Personal Loan
Standard Chartered personal loan boasts a competitve interest rate amongst the ranks. Instant cash is also possible and you may get up to S$1,0888 cashback on your approved loan and you may also get S$160 Anniversary Cashback (Anniversary Cashback is only valid up until December 31, 2019)

Loan
CIMB CashLite
CIMB CashLite or CIMB Personal Loan seeks to help cleints get extra cash in their hands and that way they can help you out with the financial obstacles you encounter. It surely offers Low Interest Rate, Flexible Loan Tenures and a Generous Credit Lie.

Loan
Maybank Personal Loan
Maybank Personal Loans has 3 personal line of credit that they offer, namely, CreditAble, CreditAble Term Loan and CreditAble Fund Transfer and they also offer Personal Credit for Banker's Guarantee, Education Loan, Home Renovation Loan that can provide you up to 4X your monthly income at the lowest possible rate.

Loan
Citi Quick Cash
Citi Quick Cash offers a flexible way for clients to convert your Citi Credit Card or Citi Ready Credit limit into cash which can be payable in monthly installments and monthly payments. It can be used for almost anything you would like, from home improvement, ticket purchases and even urgent expenses such as medical bills or unexpected repairs and much more!

Bank
UOB Mighty FX
UOB MightFX gives you the ability to exchange currencies within your hands with a very simple process to help you with your currency conversion. It is a multi-currency account and card that you can use for online shopping , travel spend and many more.

Bank
UOB Debit Card
The UOB Debit Card is one of the basic debit cards out there which serves as a stepping stone if you intend to switch from cash to plastic. You'll also enjoy up to 10% SMART$ rebate with up to 3.88% p.a. on your savings with UOB One Account.

Bank
UOB Direct VISA Debit Card
UOB Direct Visa Debit Card is ideal for individuals who frequently uses Grab as you get 1% rebate on Grab-transactions and you also get up to 3.88% p.a. on your savings when you spend S$500 monthly. And one of the best offer they have is Travel Perks and the ability to withdraw cash overseas with no additional charges

Bank
KrisFlyer UOB Account
The UOB KrisFlyer Account offers a debit card account which provides you KrisFlyer miles and an interest when you transact and save up on your KrisFlyer Card and Account with lodaded travel benefits you'll enjoy.

Bank
UOB Lady’s Debit Card
UOB higly acknowledges that every woman's individuality hence the UOB Lady's Card is the credit card that gives you the freedome to choose and define your rewards, from Beauty & Wellness, Dining, Family, Fashion, Transport & Entertainment and Travel.

Bank
UOB Delight Debit Card
UOB Delight Debit Card has partnerships with Cold Storage, Market Place, Jasons, Giant and Guardian that provides cardholders with a 0.5% rebate and an additional 10% off house brands at Cold Storage, Giant and Guardian.

Bank
DBS Visa Debit Card
The DBS Visa Debit card provides you local and global access to making payments in a simple and easy, Tap and SimplyGo option and with a no foreign exchange fee. It also provides a rewarding cashback amount for every time you tapo your card using Visa Contactless to make payments.

Bank
DBS UnionPay Platinum Debit Card
The DBS UnionPay Platinum Debit card offers a very rewarding program for their cardholders. It provides you with up to 5% cashback for shopping, dining and much more all year round which even counts foreign transactions.

Bank
PAssion POSB Debit Card
POSB's very own PAssion Debit Card lets you enjoy a 5% cash rebate and 1-for-1 tickets at selected family attractions and also offers a free PAssion membership which is an exclusive member-only privileges and gives you a hassle-free experience when making transactions using the Tap and SimplyGo program.

Insurance
ERGO TravelProtect Basic
At a glance, ERGO Travel Insurance might not be that attractive, but in detail, you will see that it is very ideal for those who are sports-enthusiasts-travellers as it provides you a policy that enables a coverage for adventuruous activities like sky diving, bungee jumping and more.

Insurance
MSIG TravelEasy Standard
TravelEasy brought back their single trip promotion which gives up to 60% off discount valid until November 30, 2019. Benefits like personal accident cover, medical and related benefits cover, travel inconvenience cover, personal liability, lifestyle cover, lifestyle cover and many more were included in TravelEasy. You will get both peace of mind and big savings.

Insurance
Etiqu ePROTECT travel Basic Plan
EProtect travel lets you fulfil your dreams to the highest level while making sure you are always. Just like what they name stands for, protecting you with the use of electronics that is hassle-free. EProtect offers a free in-flight plan including the personal accident coverage.

Insurance
Tiq Travel Insurance
Tiq Travel Insurance makes you believe that nothing can stop you from exploring the world. Not even the pre-existing medical conditions you have or any unwanted events. Tiq Travel Insurance makes you experience a once in a lifteime opportunity by giving you a stress-free travel experience.

Insurance
Citi Travel Insurance
Citi Travel Insurance will make you travel happily by offering comprehensive protection against different inconvenient situations. Some examples of these situations include baggage loss, flight delay, and medical emergencies.

Insurance
Allianz Travel Protect Single Trip Gold Plan - Standard Chartered
allianz Travel Protect also helped in easier passing of your claim online through a portal. There is also a mobile app that can make it even easier to ask for help during emergencies.

Insurance
HSBC SmartTraveller (Essential Plan)
SmartTraveller gives the best of both world by giving you exactly what you want and that is exploring new places with no fear of something. They will get you covered and also your loved ones. One of the offers is by giving you 30% when you purchase any single trip travel insurance. Also, up to 52% discount and S$100 shopping voucher when purchasing any comprehensive annual muti-trip travel insurance plan.

Insurance
Travel Guard Direct Basic
This travel insurance will surely make you say wow by thinking ahead of you on what might be the possible unwanted events and getting it covered. Some examples are giving a broad range of assistance anytime, anywhere. Also, they deliver faster and hassle-free travel claim payments through Paynow.

Insurance
FWD Travel Insurance Business
FWD Travel Insurance offers a stress-free travel experience by giving a lot of benefits. No need to worry if an inevitable accident happened. The medical evacuation fees will be covered. And if you are a fan of sports, this one’s for you, because the equipments needed will also be included in the offer.

Investment
UTRADE FX Elite
Utrade has feature called Leveraged Foreign Exchance(LFX). The benifts of LFX are Low cost, High leverage, Deep liquidity, 24-hour market, Hedging risk, advanced strategies. Utrade FX provides a MT4 system.

Investment
Saxo Markets Forex
Saxo market has Industry-leading prices, Client-focused execution, Award-winning FX trading platforms, and 24/5 expert service. They also gives Ultra-competitive FX and Spot Metal pricing. They have something like Best-in-class forex execution

Investment
Standard Chartered LiveFX
LiveFX offers a lot why you should standard chatered. There are over 300 funds from leading houses, Leverage the expertise of our funds specialists, online unit trusts platform, market views-on-the-go, and access a team of trusted advisor.

Investment
CMC Markets Forex
CMC Markets provides Forex pairs, Indices, Cryptocurrencies, Commodities, Shares & ETFs and Treasuries. As per 2018 award, they received 2018: 'Highest Overall Client Satisfaction', 'Best Customer Service', 'Best Value for Money', 'Best Educational Materials/Programs' - Investment Trends Singapore CFD & FX Report 2018.

Investment
IG Forex
IG affords traders an exquisite choice of fine market research from both in-house and third-party providers. IG provides Forex, Indices, Cryptos, Shares, Commodities, and All markets. They also provide you an Up-to-the-minute analysis. IG helps you a platform by traders, for traders.

Investment
KGI Forex
KGI, the forex portfolio of KGI is comparable in size, however this is not the case when compared with world retail brokers present on the market. KGI gives you the latest announcement, products, research, platforms, webinars, and events.

Investment
Maybank Forex
Maybank forex provides a wide explanation and needs in handling forex market. They elaborate the terms like Over-the-Counter Market (OTC),Spot FX Contract Specifications, Leverage Ratio/Margin Requirement, Margin Call, Stop Out Level, Swaps, Minimum Lot Size and Trading Hours

Investment
OANDA Forex
OANDA Forex has a wide range of markets. There trade is over 100 instruments, including currency pairs, indices, commodities, bonds and metals. You can easily trade your way. OANDA has wide partnerships, including Metatrader4, Beeks FX VPS, Multicharts, Motivewave, Seer, and other more.

Investment
iOCBC FX Platform
iOCBC FX Platform provides the Benefits and Risks of leveraged of FX. OCBC FX has their own mobile app that can be used, available on IOS and Android. They provide features such as Competitive spreads and aggressive pricing, High leverage, Easy-to-use platform, Comprehensive technical tools, Live market news update and analysis, and Execute trades with just 1 click.

Others
YouTrip
Youtrip offers a 0% transaction fees in 150+ currencies. You can spend overseas without fees using YouTrip MasterCard. With Youtrip, you can withdraw all overseas Mastercard, Maestro or Cirrus ATMs outside Singapore at wholesale exchange rates. Theres gonna be SGD5 or foreign currency equivalent will apply for the withdraw fee.

Others
Revolut
Revlout has a lot of features that will give you access to a better way to manage your money. You can avail their accounts with splendid benefits Standard, Premium, and Metal. You can secure your money the way you want it to be.

Others
AliPay
Alipay has over 1M users. Alipay is compatible with the following payment channels: Visa, Mastercard, Maestro, American Express, Qiwi Wallet, Boleto, bancontact, iDeal, AliExpress Pocket, TEF, Sofort Banking, Carte Bancaire, MTC, MegaFon, Beeline, TELE2, WebMoney, and Western Union.

Others
Just PayLah!
The Just PayLah has benefits from ComfortDelGro Taxi, Golden Village, GOJEK,Skip the Queue!,CapitaStar, and TravellerShield Plus. You can use Scan and pay Merchants. The eligibity of this ranges from 16 and above.

Others
Dash
Dash offers you a lot of options to with, you can pay with visa, pay at the dash retailers, pay on buses, taxis and trains, pay overseas, send money locally, remit money oversesas, deals, top up singtel prepaid account, and top up on-the-go.

Others
WeChat Pay
WeChat Pay has up to date announcements that benefits the users. It is being used by hundred of millions of user everyday. WeChat Pay has multiple payment methods. You can easily access their Cross-boarder settlement. The user can connect every chinese customer for business overseas.

Others
NETSPay
The NETSPay's Sending money to your family or friends, just got easy. With over 7.5 million UnionPay QR code accepting merchants globally, you can pay globally. They have Best-in-class Security. You can easily learn how to use NETPay with their guide online.

Others
OCBC Pay Anyone
OCBC Pay Anyone has a vast content that provides a satisfaction of consumer. It's easy to use for beginners. You can pay a lot using OCBC Pay Anyone. You can pay your portion with the new “bill splitting” option.

Others
CardUp
CardUp accepts all major credit card, Visa, MasterCard, and American Express. You can Maximise your card rewards, Free up your cash on hand, Digitise and automate your payments, and Accept card payments for your business.
Latest Providers

Bank
Citibank Singapore
Citibank Singapore Limited is a branch bank of Citibank, N.A. headquartered in New York, U.S.A. and was present in Indonesia in 1918 through its previous company, The International Banking Corporation in Batavia and Surabaya. In 1989 Citibank started its credit card business in Indonesia. Citibank is one of the pioneers of the credit card business in Indonesia by always presenting quality products and making innovations for the satisfaction of its customers. This privilege then continued in the following years by introducing various other banking services online. Until now, Citibank Bank has issued a variety of banking service products, including credit card products that offer various facilities and ease of transactions for its users, as well as various attractive promo offers.

Bank
HSBC Bank Singapore
HSBC, a bank that came into existence over a simple idea- a local bank catering to international needs, is now one of the largest banking and financial services organizations in the world. HSBC is one the earliest banks to be established in Singapore with its history dating back to 1877 when its founding members' The Hongkong and Shanghai Banking Corporation Limited, inaugurated its first branch on the island. For more than 150 years HSBC has been connecting customers to opportunities, enabling businesses to thrive and helping people to realize their ambitions by offering a comprehensive range of banking and financial services such as Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. HSBC today is an integral part of the financial sector of Singapore by serving more than 40 million customers, covering over 65 countries and territories in Europe, Asia, North America, and Latin America. Shares in HSBC Holding plc are held by around 200,000 shareholders in 125 countries or territories and it is listed on the London, Hong Kong, New York, Paris, and Bermuda Stock exchanges.

Bank
Oversea-Chinese Banking Corporation
Oversea-Chinese Banking Corporation, Limited (OCBC), is consistently ranked amongst the World's Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker, was formed in 1932 by the merger of three local banks, oldest of which was founded in 1912. It is one of the highest-ranked banks as it is the second-largest financial services group in Southeast Asia by assets and is recognized for its financial strength and stability. OCBC Bank and its subsidiaries are widely acclaimed all throughout Singapore, Malaysia, Indonesia, and Greater China. It has more than 560 branches and representative offices in 19 countries and regions. OCBC Bank and its subsidiaries offer a comprehensive range of specialist financial and wealth management services and are listed on the SGT-ST as one of the largest listed companies in Singapore by market capitalization. It is also one of the largest listed banks in Southeast Asia by market capitalization and has more than 29,000 employees globally.

Bank
DBS Bank
DBS Bank Ltd, earlier known as The Development Bank of Singapore Limited and "people's bank" respectively, is a multinational banking and financial services corporation. DBS Bank is a technological forward bank that beliefs in continuously reinventing itself to provide simple, fast and contextual banking solutions and experiences. DBS is highly acclaimed for its leadership in digital and has garnered more than 20 global accolades. It was titled "World's best bank" by Euromoney in 2019 and also won Global Bank of the year from The Banker and Best Bank in the world from the Global Finance in 2018. All these victories make it the first bank in the world to hold three of the most prestigious global best bank honors at the same time. DBS operates in 18 markets globally, including six priority markets in Asia, namely Singapore, Hong Kong, China, India, Indonesia, and Taiwan. Hence it is the only Asian bank which operates in the three key axes of growth - Southeast Asia, Greater China

Bank
Standard Chartered Bank Singapore
Standard Chartered Bank in Singapore is an integral part of an international Banking group as it is where the bank opened its first branch in 1859. After about 150 years, the bank is still adherent to its purpose which was to drive commerce and prosperity through its unique diversity. In October 1999, Standard Chartered Bank was amongst the first international banks to receive a Qualifying Full Bank (QFB) license which is an endorsement of the Group's long-standing commitment to its commitment in the business. The Bank has won numerous accolades in the financial sector including the Singapore Quality Class (SQC) certification and certification for Innovation and Service which represents its sustainable business performance and robust management system. Standard Chartered banking system is present in 60 markets having has 1,026 branches worldwide and employ more than 86,000 people around the world. It is also among the top 100 largest companies listed on the London Stock Exchange and also listed on two of Asia's largest stock exchanges.

Bank
CIMB Bank Berhad Singapore Branch
CIMB (Commerce International Merchant Bankers) Group Holding Berhad is a leading ASEAN (The Association of Southeast Asian Nation) Universal Bank operating in high growth economies. The group operates under several entities including CIMB Bank, CIMB Investment Bank, CIMB Islamic, CIMB Niaga, CIMB Securities International, and CIMB Thai. It is the second-largest bank in Malaysia comprising of 534.1 billion Malaysian Ringgits worth of total assets. The group provides vasts variety of banking and financial services to its customers, whether they be a natural person or an artificial person, with its primary activities being Commercial banking, Islamic banking, investment banking, and Asset management just to name a few. The group operates with over 100 Commercial Centres and around 850 branches with co-located Trade Service Centres to its 16 global markets. The group also has a staff strength of over 36,000 located in 18 countries, covering ASEAN and major global financial centers as well as countries as in which its customers have significant business and investment dealings.

Bank
Maybank Singapore
Maybank is among Asia's leading banking groups and is South East Asia's fourth-largest bank by assets comprising of 765.3 billion Malaysian Ringgits. It has an international network of 2,600 branches in 18 countries including all 10 ASEAN countries, chiefly focusing on its "home market" of Malaysia, Singapore, Philippines, and Indonesia. Mayback offers an extensive range of products and services to its customers including Commercial Banking, Investment Banking, and Insurance. Singapore is one of Maybank groups largest overseas operations and for the provision of more value to its customers Maybank Singapore Limited was created, one of the subsidiaries of Mayback groups, to carry its wide-ranging operations in Singapore. It has been effective since 5 November 2018 and operates with Qualifying Full Bank (QFB) privileges in more than 25 service locations. As of 31 December 2018, Maybank's total assets in Singapore were approximately $73.3 billion and had a staff strength of over 2000 employees

Bank
United Overseas Bank
United Overseas Bank (UOB), a Singaporean Multinational Organisation, was established on 6 august 1935 in Singapore by the name of United Chinese Bank (UCB), to Emphasise its link to the Chinese population in Singapore. The bank catered mainly to the Fujian community in its initial stages. However the bank grew immensely within a few years and in 1965, the bank was renamed to United Overseas Bank as it inaugurated its first overseas branch in Hong Kong. Today UOB is the third largest bank in Southeast Asia by total assets, having a market capitalization of $32.9 Billion. It is recognized as an excellent and professionally managed financial institution. It provides a wide range of financial services including personal financial services, wealth management, private banking, commercial and corporate banking, transaction banking, and investment banking. It has a network of more than 500 offices in 19 countries and territories in Asia Pacific with a strong foothold in Singapore, Malaysia, Thailand, and China.

Bank
Bank of China
Bank of China, the Bank with the longest continuous operation among Chinese banks, is one of the four biggest state-owned commercial banks in China. It was founded in 1912 by the Republican government and as of 31 December 2009, was the second-largest lender in China overall. Bank of China Limited provides banking services to individuals, enterprises, and other clients. The Company offers deposits, loans, foreign currency transaction, fund settlement, and other services. As China’s most globally active bank, Bank of China has a well-established global service network with institutions set up across the Chinese mainland as well as in 57 countries and regions. It has established an integrated service platform based on the pillars of its corporate banking, personal banking, financial markets, and other commercial banking business, which offers investment banking, direct investment, securities, insurance, funds, aircraft leasing, and other areas, thus providing its customers with an extensive range of financial services.

Insurance
FWD Singapore
FWD is a trusted and reliable insurance company based in Quarry Bay, Hong Kong which beliefs in making insurance as simple as possible. It came into existence in 2013 with a focus on forging a delightful and convenient customer experience substantially backed by digital technology. FWD Groups are distinguished across Asia with its key markets being Hong Kong & Macau, Thailand, Indonesia, the Philippines, Singapore, Vietnam, and Japan providing a vast range of specialized services such as Life insurance, General Insurance, Employee Benefits, Financial Planning, Group Insurance, Broker Management, Bancassurance, Tied Agency, Alternative Distribution, digital commerce, insurance tech, intermediaries, travel insurance. The company aspires to be a leading Pan-Asian insurer and reconstruct the way people view insurance through its customer-friendly approach and easy to use products. It has a staff strength of about 5,000.

Insurance
Etiqa Insurance
Etiqa Insurance Pte, Ltd is a life and general insurance company authorized by the Republic of Singapore and regulated by the Monetary Authority of Singapore ( MAS), it is administered by the Insurance Act. Etiqa is a subsidiary of Maybank Ageas Holdings Berhad which is a joint venture company that combines local market knowledge with global international prowess and is owned by Maybank and Ageas in a percentage of 69% and 31% respectively. Maybank is the fourth largest banking group in Southeast Asia and has a clientele of more than 22 million people in 20 countries and Ageas, a global insurance brand is a legacy with a history of over 190 years and has 33 million customers across 16 countries. Etiqa started operations in 1962 as United General Insurance Co. Sdn. Bhd. and has been safeguarding Singaporeans ever since with a vast variety of general insurance solutions that continuously evolve to accommodate their dynamic requirements. It was the delegated insurer for the Housing Development Board (HDB) Fire Insurance Scheme in Singapore for 10 consecutive years and has safeguarded more than 550,000 homes. Atiqa consistently seeks to establish a more technologically advanced and innovative system to deliver a customer-centric experience to facilitate its customers in an enhanced way in these ever-changing times.

Insurance
AIG Asia Pacific Insurance
AIG Asia Pacific Insurance Pte. Ltd. is one of the largest general insurance companies in Singapore which provides an extensive range of creative and innovative solutions to the ever-changing needs of individuals and corporate clients. The company has been providing insurance facilities since 1953 and operates in more than 80 countries and jurisdictions. The company has received numerous accolades during its years of service including which are titles "general insurance company of the year" by the Asia Insurance Industry Awards and "Insurance In-house Team of the year" by the Asian legal business southeast Asia law awards in and was ranked 60th on the Fortune 500 list in 2018. The company's insurance policies span over Auto, Home, Travel, Personal Accident, Professional Liability, Employer Liability, Marine Cargo and Small Business, just to name a few. On December 31, 2017, AIG had $65.2 billion in shareholder equity and the company also employs around 56,400 people.

Insurance
Allianz Global Assistance Singapore
Allianz Global Assistance Singapore, currently known as Allianz Travel, is a globally renowned travel insurance and assistance provider. With a vast range of policies, the company provides cover for individuals or families with single-trip travel insurance or multi-trip travel insurance cover options. It has a network prevalent all throughout the world which offers covers for its customers 24/7, no matter where they are in the world. The company not only provides insurance facilitates to Singaporean citizens, it also facilitates holders of permanent residents, employment pass, S-pass, work permit, student pass, or dependent pass. It also has a top-notch customer service which makes 1 mediation every 2 seconds to secure its customers on their vacations from unforeseen circumstances. The company also covers in cases of medical expenses due to sickness or accident, need hospitalization and evacuation, encounter travel inconvenience such as luggage delay, trip cancellation or theft and carry out more than a million medical assistance and restoration interventions annually by their multilingual, travel, and medical assistance specialists who work around the clock, all across the world.

Insurance
HL Assurance
HL Assurance is a licensed general direct insurer and also a member of the General Insurance Association in Singapore. It is a member of Hong Leong Financial Group Berhad which is a conglomerate established as a trading company in 1963 in Malaysia. Hong Leong Financial Group is a preeminent provider of financial services, manufacturing, distribution, property, and infrastructure development through its subsidiaries and associate companies which are listed on stock exchanges of Malaysia, Singapore, Hong Kong, Manila, and Europe. HL Assurance accommodates both its customers and intermediaries through an extensive range of insurance policies for both personal and commercial purposes functioning as Travel Insurance, Home Contents Insurance, Car Insurance, Mobile Phone Insurance, Fire Insurance, Personal Accident Insurance, Maid Insurance, Property Insurance, Casualty Insurance, Engineering Insurance, Business Packages.

Insurance
ERGO Insurance
ERGO Insurance Pte. Ltd. is a Singapore based registered general insurer which is a wholly-owned subsidiary of ERGO Group AG, one of the leading insurance groups in Germany and Europe. The company offers an extensive range of personal insurance products from private motor to travel and personal accident; and commercial insurance coverage for commercial motor, work injury compensation, bonds, engineering, property, health, corporate personal accident and corporate travel, financial lines and marine, and endeavors to offer the best distribution facilities to its customers. It is also the chief insurance arm of Munich Re,one of the major reinsurers and risk carriers worldwide. The group's asset manager and fund provider, MEAG, regulates the investments aggregating a total of 127 billion euros. It is also regulated by the Monetary Authority of Singapore. ERGO is constantly aiming to tailor its policies in accordance with the wishes and needs of its intermediaries and customers and hence it also seeks to forge a close bond with its intermediaries and customers.

Insurance
MSIG Insurance Singapore
One of Asia’s leading insurers, MSIG Insurance has had a strong presence in Singapore for over 100 years. The expertise involved in this stable company is a result of many successful mergers that are a wholly-owned subsidiary of MSIG Holdings (Asia) Pte. Ltd. The parent company of MSIG Insurance, Mitsui Sumitomo Insurance Company (MSI) has an impressive profile with total assets of over US$59 billion. The company is also a member of the MS&AD Group, a world-renowned general insurance group that operates in more than 40 countries. MS Amlin, the second-largest Lloyd’s syndicate was taken over by the company in 2015. MSIG Insurance is one of the few foreign‑based general insurers of Singapore that offer a wide variety of financial, banking and insurance solutions to individual consumers and companies. The company’s deeply rooted global networks and partnerships with top-notch agencies, financial firms, and Japanese corporate clients have made them a trust-worthy name in the banking industry.

Insurance
Tokio Marine Insurance Singapore
Tokyo marine, the first insurance company to be incorporated in Japan more than 130 years ago, now provides a comprehensive selection of General and Life insurance products and solutions. It has a network in over 38 countries and expanding. Tokio Marine is a renowned insurer all across the world and ranks as one of the world’s most globally diversified and financially secure insurance groups. It is presumed to be Japan’s largest insurance group, with over USD 206 billion in assets, USD 31 billion of market capitalization (as at end of March 2018) and has a staff strength of over 38,000. Tokio Marine is a customer-friendly organization and put its customers' contentment before everything else. It has concocted a potent system and infrastructure in the way it operates, establishing a prevalent distribution network based on various partnerships, joint ventures, and collaborations with agency channels, brokers, intermediaries, and banks. It uninterruptably works to make secure that its policies offer full-on coverage with nominal variations. A few of its sought after insurance products are marine cargo insurance, engineering, personal lines, and life insurance.

Insurance
Aviva
Aviva Ltd is a well known multifarious insurer with a venerable global reputation. Singapore is one of its leading markets where it is one of the biggest providers of employee benefits and healthcare, which includes being the appointed provider for the Ministry of Home Affairs and safeguarding Singapore Armed Forces servicemen since 1983. It is also the delegated insurer for all eligible public officers and their families and insures about 1.3 million customers and administers approximately S$10.8 billion in assets. Aviva limited proceeds with an objective to offer its customers a view to their self assured future, defying all uncertainties. Aviva Limited provides its customers an extensive concatenation of insurance solutions in fields of Protection & health, General Insurance, Savings & Investments, and Group insurance. All of its products are sold through financial advisers, brokers, corporate partners, direct and online and it also provide facilities such as Integrated Shield health insurance plans, ElderShield and ElderShield Supplements, Wide range of life cover including Term, Whole Life, Critical Illness and Disability, Travel, Car, Home, and Personal Accident plans for individuals, Commercial solutions for businesses.

Investment
UOB Kay Hian
UOB kay Hain is the sister company of UOB Group, one of the largest investment groups of Asia with more than 80 branches across Asia, China, Africa, and North America. It has been serving the nation for almost 100 years and has a great reputation and network in the world’s leading corporate organization. UOB kay Hain is based in Singapore and offers multiple products to invest in such as Equities, Bonds, Contracts for difference (CFD’S), Daily leverage certificates (DLC’S), Exchange-traded funds (ETF’S), Future and options, etc. Its services include acquisition finance, Robo advisory, Unit trust, structured financing, margin trading, and wealth management, etc. It has a strong team of experienced and award-winning research analysts to help you make the best investment decisions in complex trading scenarios. It offers great help and 24/7 support to the customer service team to guide you in the best possible manner. With almost serving more than a century, it has created a great trust and reputation within thousands of induvial and corporate clients.

Investment
CMC Markets Singapore
CMC markets is an online Singaporean based market place to trade in Forex pairs, indices, Cryptocurrencies, commodities, Shares, and treasuries, etc. It provides the best trading experience by constantly innovating and improving the user experience to best invest in financial markets. CMC Markets is regulated by FCA and strictly adhere to all its rules and regulations. In case of any default or financial obligation, the client can claim up to $85000 worth of funds by financial service compensation scheme (FSCS).CMC Markets offer a convenient platform that allows you to trade from anywhere, manage risk effectively, control execution and sharpen your skills. It provides the best CFD trading by offering best spreads regardless of market ups down and high competition. It has dedicated customer support and client service team to offer the best help to its customers in case of any technical fault.

Investment
IG Asia
IG Asia private limited was established in 1974 with a mission to create a world-class trading platform for investors. Today, it has more than 178,500 clients worldwide with penetration over 16000 markets. It offers the best trading platform for investors to offer multiple trading opportunities through its financial apps and platform. It allows you to trade in forex, shares, indices, commodities and many other options. It is regulated by the Australian Securities and Investment Commission (ASIC) and fully adhere to all the rules and regulations. It offers personalized services to make sure that you are very well familiar with all products. It has a friendly team to offer you support in case of any technical fault at any time. At IG Asia, your money is kept into a separate bank account and the investment process is completely transparent and secured. IG is regulated by financial conduct Authority (FCA) to keep client money secured and invest in profitable manners.

Investment
KGI Securities Singapore
KGI securities is world top leading brokerage house with experience of more than 140 years. It started its Singapore operations on 2nd October 2017 mainly named KGI Securities (Singapore) Pvt limited. It offers several services such as investment banking, fixed income, insurance services, and wealth management, etc. It has a wide range of network and number of services in its portfolio. KGI Securities have earned several awards “Outstanding ETF market leader” No 1 in liquid securities”, “No 1 in IPO fundraising” KGI Securities(Singapore) aims to be number 1 in Asia and offer one window solution to all financial needs in Asia. It not only aims to serve individual investors but also to financial institutions and corporations.It offers 24/7 client servicing to best guide clients about its products and investment opportunities.

Investment
Maybank Kim Eng Securities
May bank Kim Eng. end was founded in 1972 in Singapore and was previously known to be Kim Eng. holdings. In 1990, It is the first stockbroker company to register into the Singapore stock exchange. Many bank Kim Eng. is the subsidiary and sister company of many banks. My bank is one of the top leading companies and investment groups in Asia. It has been serving for decades and maintains the quality service to different local and international clients. It offers innovate products and marks its name to be the leader in the industry. May bank Kim Eng. has access to many international markets such as Thailand, Malaysia, US, and Hong Kong. It offers personalized trading experience through its award-winning mobile app. It has an award-winning research analyst team to help you make the best investment decision. It offers real-time quotations and innovate trading tools to offer you the best-personalized experience and trading opportunities.

Investment
OANDA Asia Pacific
Oanda is an award company and offering its services to financial investors since 2001. Oanda is an online trading platform that offers financial investors to trade in financial products with forex in the US, Japan, Canada, and Australia, etc. It also offers trading in CFD, bitcoin, indices, metal, and commodities. It has a variety of advanced analytical tools for investors to best analyze and understand the investment options. It has a wide network of partners such as Airbnb, Deloitte, Expedia, Tesla, Twitter, etc. which make OANDA the most trustable platform for forex trading. It also provides the gold standard in foreign exchange through historical currency converter and exchange rate Api. It has dedicated customer support and client service team to offer the best help to its customers in case of any technical fault.

Investment
OCBC Securities
OCBC Securities is one of the top leading firms to offer innovative trading products and personalized experience. It offers a variety of products to invest in such as company shares, exchange-traded funds, American depositary receipts, warrants, real estate investment trusts, bonds, etc. Along with so many products, it also gives you a choice to trade through a broker or manage it yourself. That means it’s up to you to use a broker for your trading or do it yourself with a mobile app or portal. To make investment decisions more accurate, it offers OCBC Investment research portal to help investors analyze the different investment plans. It also conducts different seminars such as market & strategy seminars, products & platforms seminars, YIP seminars to best help investors to understand its products and market volatility. It has a 24/7 dedicated team to offer help and support in case of any technical fault or emergency. It has several promotions available on its website to attract the investors.

Investment
Phillip Futures
Philip's future is a subsidiary of Philip capitals and was established in 1983 to bring global markets at one platform. Philip's future is one of the founding members of Singaporean exchange derivatives trading (SGX-DT). It is one of the leading companies to offer services in Forex, exchange commodities and global futures. It has partnerships with 21 different stock exchanges of the world such as APEX, SGX, TOCOM, ICE, CME group exchanges. It offers unique trading experience and innovative trading platforms such as Phillip Nova and Philip Meta trader 5 suite. It offers a variety of unique products such as futures, gold & silver, forex & NDF’s and OTC derivatives. As a client, you can enjoy exclusive services and client benefits such as special discounts on different webinars and events, promotions on new products offering, expert advice from experienced strategists and analysts, SMS and email alerts, etc.

Investment
Saxo Capital Markets
Saxo capital markets Pte Ltd is the sister company of Saxo Bank and was established in 2006 in Singapore. It is a multi-investment platform to provide investment opportunities in trading and investing, investing and partnerships. It offers numerous products to trade and invest in such as CFD, forex, stocks, bonds, mutual funds, commodities, and ETF’S. Saxo capital offers trust and transparent investment solutions by registering into 15 jurisdictions such as the UK, Singapore, Australia, and Denmark, etc. It has clients network in more than 170 countries and funds of USD 17billion. It processes almost one million transactions every day. Over 25 years, Saxo capital has served numerous customers and received multiple awards for its global services. The awards include best prime of prime provider, Best banks awards 2017, readers’ choice awards 2018, etc. It also offers different webinars, videos, courses, guides to best educate the customer before investing in its financial products.

Credit
American Express International
American expressway, also known as Amex, commenced as a freight forwarding company in 1850. The company soon earned its customers' trust by safely transporting their valuable possessions to distant places during unscrupulous times. Today the company is an American multinational financial services corporation based in Three World Financial Centre in New York City, titled as the 23rd most valuable brand in the world in by Forbes in 2017 and is estimated to be worth US $24.5 billion. It is the largest global payment method and is reputed as a forward-looking and customer-focused company. In 2018, the company was ranked as the 14th most admired company worldwide by Fortune and the 23rd best company to work for. The company primarily focuses on providing its customers' facilities in regards to finance, insurance and travel. The company is widely celebrated for its charge cards, credit cards, and traveler's cheque businesses. It is a heritage built on services and sustained on innovation.

Credit
Asia Carz Credit
Asia Carz credit Pte limited was established in 2016 as Singapore's most trusted and reliable used car dealer. It offers a comprehensive range of transport-related services such as providing reliable pre-owned cars for purchase, cars for short/long term rental and motoring services such as scraping, insurance renewal, and vehicle loans. The fleet of cars for rental or sales are carefully selected to ensure reliability when sold. their associates are also continuously available to facilitate its customers throughout the process. Asia Carz Credit has a notable reputation among its customers for providing a high-quality service by helping and serving each and every customer according to their requirements. Asia Carz credit Pte ltd cherishes its relationship with its customers and hence believes in being honest in their dealings with every customer. It does not believe in compromising its service quality and often drives that extra mile, making every transaction a pleasant experience.

Credit
U Credit
U Credit (Pte.) Ltd is the no. 1 licensed moneylender in Singapore, registered with the Ministry of Law. It is considered one of the most trusted and reliable companies to receive financial assistance from, in terms of short term or long term loans. It offers a comprehensive range of financial loans with the most affordable interest rates in Singapore in accordance with its customer's requirements. The company enshrines its customer's satisfaction above all and hence it also facilitates all kinds of unique loan requests. Their loan officers cater to each customers' individual requirements by discussing the best personal loan plans based on the customers' finances, ensuring they pick the best rates in accordance with their income and financial situation. U Credit is always willing to provide aid in case of financial emergency and all loan applications are always treated with the utmost privacy. This is where you can enjoy several loan packages that will help you get through any difficulties you might encounter.

Payment
Alipay Singapore E-Commerce
Ali pay is leading online and mobile payments solution with almost 1 billion users. It is part of the Alibaba Group, the world’s largest online b2b chain. Ali pay was established in 2004 in Hangzhou by Jack Ma, the founder and Ex CEO of Alibaba. It makes the payment process very easy with world-class payment security, real monitoring, and privacy features. Ali pay started its operation in Singapore in 2017 by partnering with a startup company in Singapore. It offers fast experience, reliable services, and quick payments solution for everyday transactions. The best part about Ali pay is its member protection feature. It offers 100% cash back in case of any unauthorized transaction, 90 days payment protection and fast response time. With its help center, you can quickly resolve all the queries and find a quick solution for any issues in transactions. It has partnerships with the world’s leading payment channels such as visa, master card, web money, western union, etc.

Payment
Gpay Network S
The Company came into existence in 2012 by a group of friends, Anthony Tan and Tan Hooi Ling in Malaysia who were keen to provide hassle-free and safe ride-hailing services. The company has now expanded its services and is providing numerous earning opportunities to millions of people across Southeast Asia. The ‘Grab’ app is a multifunctional app through which consumers can avail of several services including in-store purchases, GrabRides, GrabFood deliveries, GrabFamily, JustGrab, GrabNow, GrabRental, and fund transfers. It is a cashless payment method that is directly linked to your credit/debit card. It provides services in Singapore, Thailand, Philippines, Myanmar, Indonesia, Vietnam, and Malaysia, with its headquarter situated in Singapore. The company has offices in Seattle, Beijing, Bangalore, Jakarta, and Vietnam. The company has acquired 2 organizations, iKaaz, and Kudo. The company has successfully expanded its reach over the years and is constantly trying to push its limits through tireless efforts.

Payment
PayPal
PayPal is a leading company that provides financial and online payment solution services worldwide. It was founded in 1998 by Ken Howery, Luke Nosek, Max Levchin, and Peter Thiel. The headquarters of the company are located in San Jose, California. The millions of users of this digital payments platform can connect and safely carry out transactions in numerous ways as it offers high security and protection. Money is managed smoothly and effectively while users benefit from the flexible payment solutions offered. Millions of stores offer payments through PayPal and this platform is offered in more than 200 markets around the world. PayPal account holders can receive money in more than 100 currencies and withdraw cash in 56 currencies. They can also hold their balances in 25 currencies. The company was acquired by eBay in 2002 and has itself acquired 19 organizations so far. The estimated annual revenue of PayPal is $15.8 billion. The easy to manage payment method is drawing more and more consumers each year.

Money Lender
1st Credit SG
The Company was incorporated in 1989 by the name of Arishka Moneylender in Singapore. The licensed money lender later changed to 1st Credit SG.The Company provides loans to permanent residents and foreign nationals working in the country besides Singaporeans. The types of loans offered by the company include personal loans, monthly loans, foreigner loans, payday loans, business loans, bridging loans, wedding loans and debts consolidate loans, besides others. The company is constantly striving to solve the financial needs of its clients by coming up with better loan solutions and helping them get a suitable loan as per their requirements in the lowest possible interest rates. The company is now open 7 days a week to better serve its clients. It prides itself on the highly skilled staff that provides appropriate financial advice. Over the years, 1st Credit has developed a sound reputation in terms of customer satisfaction leading to the company’s steady growth.

Money Lender
1st LG Credit
Established in 1991, 1st LG Credit Pte Ltd is a licensed money lender that was formerly known as Lekshmi Moneylender. It is one of the oldest money lenders in Singapore that has served thousands of clients. Some of the loans the company offers include Payday Loan, Personal Loan, Monthly Loan, Business Loan / SME Loan, Wedding Loan, and Debt Consolidation Loan. The loan plans are also customizable as per the client’s needs. The company offers excellent customer service policies. It is open to new ideas and all feedback is taken into account to come up with better loan solutions for their customers. The well- trained loan consultants provide their expert advice as per the customer’s needs. The one to one consultation helps the customers decide what course of action is best to take. 1st LG Credit Pte Ltd has thrived so far by keeping its customers’ satisfaction a priority. The company is now open for all days of the week including weekends to serve its existing and potential clients.

Others
Telecom Equipment
Dash SingTel is Singaporean based all in one wallet used to send money locally, book trains and tickets, pay electricity bills, etc. it is a subsidiary and sister company of telecom equipment private limited.It offers one window solution to pay for all digital transactions to enjoy safe and easy payments. It is used to pay for all daily day purposes such as grocery shopping, commute, essentials, food, and ecommerce. Not only locally, but you can also pay for some of the best brands in the world such as Netflix, Amazon, Spotify, etc. It has partnered with the biggest payment channels of the world to perform day to day transactions easily and reliably. Currently, it has various deals online to attract new customers and give the best shopping experience for current customers.

Others
Tencent Holdings
Tencent Holdings Limited is a technology-driven service provider based in Shenzhen China. It was founded in 1998 to improve people’s quality of life by offering technology-based innovative online services. Tencent holdings limited offers various valuable services in the areas of social network, entertainment, payments, information, artificial intelligence, etc. WeChat, WeChat pay, are some of its very famous platforms to offer services in social network and payment systems. Tencent’s vision is to be the most respected internet enterprise by enhancing the quality of people through the use of the internet. Tencent holdings limited has a wide range of innovative products and customer base to help the company to achieve its vision. Tencent holdings limited is listed at the stock exchange of Hongkong and maintains a trustful relationship with its investors.Tencent Holdings limited offers great career development opportunities and a productive work environment to help employees develop their careers.

Others
Electronic Transfers Singapore
Nets group is one of the leading digital payment solution provider based in Singapore. It provides various payment solutions to merchants, banks, consumers and local traders. It aims to create a cashless society by enabling the digital wallet for everyday transactions such as groceries, commute, ecommerce, etc. This group is the pioneer of Singapore national debit card scheme which enables the customers of various banks to pay through their card or mobile wallet at more than 102000 acceptance points. NETS Group’s network comprises of various digital wallets such as NETS pay, union pay, etc. Nets group holds the leading position in the market by performing transactions worth $1 trillion every year. The group also provides its services to Singapore clearing house association by managing its clearing infrastructure. Today, Nets play a very important role in day to day transaction of Singaporean. From groceries to commute, shopping to paying taxes it is everywhere!

Others
You Technologies Group
Youtrip is Singaporean based multi-currency wallet specifically designed to help travelers to pay abroad without any transaction charges in more than 150 countries. It aims to provide easy and fuss-free travel experience to almost everywhere in the world. It has MasterCard that allows you to swipe into 10 currencies of the world. It has a cloud-based highly secure technology infrastructure to make payments secure and reliable. It also ensures the spot wholesale exchange rates by cooperating foreign currencies trading capabilities to perform different transactions. It’s also very easy to create account in your trip all you have to do is to create an account, top-up and spend anywhere. Youtrip is the part of you technologies limited group limited, based in Singapore and Hongkong. Launched in 2018, it has raised the funding of $35 Million in Series A round. It is associated with MasterCard and holds a remittance licensee authorized by the monetary authority of Singapore.

Others
CardUp
CardUp is a private company that was founded by Nicki Ramsay in 2015. It is an online card payment service that manages cash and enables cash payments made via bank transfer, cash or cheque, to be transferred to credit cards even where credit cards aren’t accepted. Big payments can be digitized and paid/received via credit cards. This provides the benefit of getting credit card rewards and interest-free credit. The company is funded by Global FinTech Hackcelerator, Sequoia Capital and SeedPlus and has an annual estimated revenue of $6 million. MatchMove Pay, Soft Space, and AsiaPay are competitors of CardUp. CardUp supports the payment of rent, insurance, taxes, education fees, condominium fees, payroll, business services, suppliers, car loans, electricity bills, and other miscellaneous payments. CardUp serves clients in Singapore and accepts all credit and debit cards issued in Singapore and overseas that are issued by Visa, MasterCard and AMEX networks.

Others
FlexM
FlexM is a Singaporean company that was founded by A. Georg E. Dokken and Naveed Weldon in 2015 to provide financial services that are accessible through mobile devices to the underbanked populations in Asia. FlexPay is a service provided by the company that offers a ‘mobile wallet’. This ‘mobile wallet’ provides multiple banking and payment solutions. It also includes a virtual prepaid MasterCard with its four physical copies. The remittance rates it offers claim to be more affordable than the established services like Western Union. Users can transfer money online, make online purchases, manage finances, and much more. The company is based in Singapore and this service is only available for residents of Singapore. FlexM has collaborated with Singapore’s MatchMove and has announced a digital partnership with the renowned Asian Development Bank (ADB) to co-create a digital payment solution. The company has a promising future as it has already expanded to 3 countries.

Others
Fave Group
The Company was founded in 2015 by Jeremy Tan. It is a mobile payment services group that is based in Singapore with offices in Thailand, Malaysia, and Indonesia. It has collaborated with regional payment operators to build a regional payment network to provide local and cross-border services for banks, merchants, and e-wallet operators. It offers a variety of payment options and can be used at 100 Hawker Centers located across Singapore. Liquid Group offers four solutions: Liquid Wallet, Liquid Net, Liquid Life, and Liquid Plus. These solutions are customizable to improve products or services of users. The company’s mission is to improve the mobile payment capabilities of its partners and merchants. The top priority of the system is to protect the data and payment through a security code. To enable cross-border payments between Singapore and Taiwan, the company has recently partnered with E.SUN Bank and with JETCO to enable the same between Hong Kong and Singapore. It has also expanded to 10 markets for the same cause in Asia.

Others
Revolut
Revolut was founded by Nikolay Storonsky and Vlad Yatsenko in 2015. It is an alternative to traditional digital banking comprising of currency exchange, a pre-paid debit card, and peer-to-peer payments. Its mission is to develop a smooth platform to manage money around the globe. This platform has enabled users to transfer and spend money with a card that is recognized and accepted globally. The company supports cash withdrawals and spending in 150 currencies at a small cost.26 different currencies can be sent directly from a user-friendly mobile app. Azimo, TransferWise, and WorldRemit are the main competitors of Revolut. The company is based in Wharf, London and is looking to expand its operations globally in the near future. The annual revenue of Revolut is estimated to be $85M mainly due to its appealing exchange rates. An estimated 8M+ customers have made an estimated 350+ transactions.The net worth of the company that is funded by 28 investors is currently around £40B+.

Others
Fave Group
Founded in 2015 by Joel Neoh, Fave Group Pte Ltd is a rapidly growing O2O company in Southeast Asia that is funded by 6 investors. Merchants can connect with their customers and grow their businesses offline through this Digital platform in a technology innovative way. The mission of this company is to empower merchants and provide cost-effective products to consumers. It provides a smooth payment experience to merchants and consumers and helps merchants draw more customers through proper operations, financing, and marketing. The company has expanded its operations to multiple cities in Malaysia, Singapore, and Indonesia. So far, Fave has taken over 4 organizations:cutQ, Groupon Singapore, Groupon Indonesia, and Groupon Malaysia. Fave has estimated to produce a revenue of $100M annually in a competition against Cashback, GuavaPass, LivingSocial, and MilkADeal. This is all made possible by an increased level of customer satisfaction through great discounts.
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Pleasant Rewards
Citi PremierMiles Visa Card / Citibank Singapore
In my opinion, this card is one of the best cards in the market especially as there are no expiry date to miles earned and an amazing 2 VIP airport lounge access. I love the fact that the card can be used for major big ticket items and to clock mileage. Redemption can be done easily without hassle and customer service staff are very helpful
Poor Customer Service
Citi Rewards Card / Citibank Singapore
I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.
Complimentary Night Stay a Success
Citi Cash Back Visa Card / Citibank Singapore
Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.
Zero Travel Related Online Merchants
Citi Prestige Card / Citibank Singapore
The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.
Fantastic Rewards
HSBC VISA Platinum Credit Card
A 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations
Family Package Rewards
HSBC VISA Platinum Credit Card / HSBC Bank Singapore
My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.
Too bad it is not an unlimited cashback card
HSBC Advance Credit Card / HSBC Bank Singapore
Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.
Poor and upleasant hotline
HSBC Revolution Credit Card / HSBC Bank Singapore
I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.
Looking to maximize on the number of priority pass visits and other privileges
HSBC VISA Infinite Credit Card / HSBC Bank Singapore
If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.
A no-no for individuals seeking the cheapest car loan
UOB Car Loan / United Overseas Bank
This car loan is a no-no for individuals seeking the cheapest car loan or borrowers seeking to refinance their existing car loan as interest rates of 2.78% and 2.98% don’t come cheap. Irrespective, UOB could be a good backup source of car financing for individuals that are not approved for loans from other banks. Additionally, the bank is unique because it offers flexible car loan repayment schemes and Certificate of Entitlement (COE) loans for used cars.
Car loan calculator that allows for the calculation of monthly payments
Standard Chartered Auto Financing / Standard Chartered Bank Singapore
The Standard Chartered car loan calculator allows for the calculation of monthly payments you’ll need to make if you take up a car loan. Simply indicate the car type, enter the required loan amount, loan term and click “Calculate”. You should remember to always consider if you’ll be financially comfortable to meet up payment for the projected monthly instalments while still meeting your basic needs before committing to a car purchase.
Lowest rates for new and used car loans in Singapore
DBS Car Loan / DBS Bank
DBS charges interest rate of 2.28% for its car loans to individuals that apply online and that is the lowest rate offered for both new and used car loans in Singapore. In my opinion this makes DBS the most affordable option for those that require financing in order to purchase a vehicle. It is also worth noting that DBS is currently offering an even lower rate for the purchase of used cars (1.99% p.a.) in a promotion.
Islamic auto financing
Maybank Car Loans Singapore / Maybank Singapore
Maybank charges a much higher interest rate of 3.25% for its car loans than other lenders in Singapore, making it a less affordable option however, borrowers that are unable to obtain a car loan from other banks may want to keep Maybank in mind as a an alternative to other lenders. It is also worth noting that Maybank offers Islamic auto financing, which may be of interest to prospective borrowers.
On both occasions the customer service has been phenominal
Asia Carz Credit Car Loan / Asia Carz Credit
Even as it was my first time dealing with them the customer service staff were very friendly and helpful delivering on a fast and smooth transaction processing time. On my second time using them I was not disappointed too as I had a very pleasant transaction and would gladly recommend them to my friends and family. Trusted dealer!
This may be the cheapest car loan refinancing option in Singapore
OCBC Car Financing / Oversea-Chinese Banking Corporation
This may be the cheapest car loan refinancing option in Singapore as the bank allows borrowers to refinance their existing car loans for a very competitive rate of 2.08%, which is much cheaper than most rates for new loans. While the bank also offers loans for the purchase of new and used vehicles, these rates of 2.78% and 2.98% are not the cheapest available. If you are approved to refinance your existing car loan from another bank, you may be able to save thousands of dollars by switching to OCBC due to its refinance rate of 2.08%, which is significantly cheaper than those of most car loans offered by lenders in Singapore.
Apply for a loan in just 3 minutes
U Credit Car Loan / U Credit
What makes Auto Credit Express unique is that they have created one of the largest networks of auto dealers that specialize in financing auto loans for different types of credit profiles. You can get an auto loan for a new or used car by getting funding within a few days by applying for a loan in 3 minutes and enjoy phone support is fast and friendly
Quick Cash has the lowest published interest rates on the market and no processing fees
Citi Personal Loans / Citibank Singapore
The Citibank personal loan also known as Quick Cash, has the current lowest published interest rates on the market and also no processing fees, although with the caveat that the promo rate is for new-to-Citi customers or you don’t have a Citibank credit card. If you are in need of money fast, Citibank promises approval of your loan within one hour but subject to eligibility. Upon approval, funds will be deposited the next working day if to a Citibank account or up to 5 working days later for non-Citibank accounts.
HSBC personal loan offers the longest loan tenure of 7 years in Singapore
HSBC Personal Loan / HSBC Bank Singapore
If you need to borrow a large amount but cannot afford a big monthly repayment, then you should give consideration to the HSBC Personal Loan. This HSBC personal loan offers the longest loan tenure of 7 years in Singapore which means you’ll be paying 7 years’ worth of interest. HSBC is also great for those who need cash urgently as you can get approval-in-principle within one minute and receive the money the next working day. Isn’t that just wonderful?
MoneySmart exclusive rate of 3.5% (7.27% p.a.) for new loan customers with only 1% processing fee
OCBC ExtraCash Loan / Oversea-Chinese Banking Corporation
The OCBC ExtraCash Loan is a true personal loan as it allows you to borrow up to 6X your monthly salary. However, I must warn that the interest rate is kinda high. If you don’t require that much money, I recommend that you consider the OCBC Cash-on-Instalments loan which is slightly cheaper. However currently with OCBC personal loan, you can get a MoneySmart exclusive rate of 3.5% (7.27% p.a.) for new loan customers with only 1% processing fee. For existing loan customers, you pay an interest of 4.7% p.a. (EIR 9.46% p.a.).
DBS personal loans are based on either your credit card or personal line of credit
DBS Personal Loan / DBS Bank
DBS personal loans are based on either your credit card or personal line of credit. Thus if you have DBS credit card or DBS Cashline and a DBS deposit account, you can apply through internet banking and get your loan processed immediately and credited instantly into your account. However if you don’t have a DBS credit card you can still get this loan, but you will have to furnish your income documents and obviously you won’t get the funds right away
You can actually apply for a credit card and personal loan at the same time
UOB Personal Loan / United Overseas Bank
To apply for a UOB Personal Loan, you’ll need either a UOB CashPlus account or UOB credit card as UOB draws from your credit card limit. If you’re new to UOB, you can apply for a credit card and personal loan at the same time but note that terms & conditions like the fee schedule of the credit card will also apply to your UOB Personal Loan. UOB bank is one of the few banks that provide instant approval for personal loans for submissions between 7am to 8pm by new UOB customers.
$199 cashback for loans of $1,000 and above if you apply through MoneySmart
Standard Chartered CashOne Personal Loan / Standard Chartered Bank Singapore
Although standard Chartered personal loan’s published rates aren’t that awesome, you still get a much lower interest rate as well as $199 cashback for loans of $1,000 and above if you apply through MoneySmart for your loan amounts of $1,000 to $250,000. Like most of its competitors, Standard Chartered Bank promises next-day cash. You can apply via MyInfo via MoneySmart to get instant approval and loan disbursement
One other good thing CIMB credit cards have is that there are no annual fees
CIMB CashLite / CIMB Bank Berhad Singapore Branch
The CIMB CashLite personal loan is based on your available credit card credit limit therefore you have to be a CIMB cardholder to apply for it. One other good thing CIMB credit cards have is that there are no annual fees but CIMB doesn’t publish their interest rates online. The actual interest rate is personalised based on your risk profile and credit history so you might very well end up with a higher interest rate than advertised.
Sign up for CreditAble in order to cash your credit line using the Maybank CreditAble Term Loan
Maybank Personal Loan / Maybank Singapore
Maybank does not exactly offer a proper personal loan in itself but its term loan is linked to its personal credit line product. You just need to sign up for CreditAble in order to cash your credit line using the Maybank CreditAble Term Loan but note the terms & conditions and annual fee however. In my personal opinion, the loan amount is small while the interest is high, so it may be best to avoid this one.
Apply for a Citi Quick Cash to pay for urgent expenses such as medical bills and business expenses,
Citi Quick Cash / Citibank Singapore
One can us the Citi Quick Cash for big ticket purchases and projects like home renovations while you can basically use the Citi Quick Cash for any type of expenses. On the other hand, you can also apply for a Citi Quick Cash to pay for urgent expenses such as medical bills, business expenses, unexpected repairs and much more. With Citi Quick Cash, the possibilities are in fact endless. You can also convert your unutilised credit limit to cash in your Citi Deposit Account in 60 seconds. A major plus is that you can get the cash on your terms and anytime on your mobile phone and repay with plans up to 60 months. No documents required and no hidden fees.
They charge a joining fee and early redemption fee
Standard Chartered Debt Consolidation Plan / Standard Chartered Bank Singapore
Debt consolidation loans from Standard Chartered are a part of a debt consolidation plan. The plan consists of the loan and a Platinum MasterCard. Effective interest rate of 7.70% and loan lengths can stretch from three years all the way through to ten years with regular fees for the Platinum MasterCard charged. They charge a joining fee of S$199 and S$250 for early redemption fee
Enjoy the convinence of merging debts into one account with a fixed interest rate.
Citi Debt Consolidation Plan / Citibank Singapore
Debt consolidation loans from Citibank allow you to merge debts into one account with a fixed interest rate. Citibank bundles the debt consolidation loan into the Citibank Debt Consolidation Plan. This plan also provides you with a capped revolving credit facility, to be used as a payment method for daily expenses. If you need to get your debts organised, consider a debt consolidation plan from Citibank.
UOB's debt consolidation plan is an effective yet expensive alternative to other plans
UOB Debt Consolidation Plan / United Overseas Bank
UOB's debt consolidation plan is best viewed as an expensive alternative to other plans because the bank advertises interest rates that are higher than those of its competitors. Borrowers that have not previously used UOB's services are however eligible for slightly better rates but it is unclear what rates these borrowers will receive in due to the vague wording on the UOB's website
Offering material savings for those with a significant amount of debt.
DBS Debt Consolidation Plan / DBS Bank
POSB and DBS are offering the most significant promotional deal for debt consolidation loans. This promotion provides a cashback of 3% of the approved loan amount to borrowers. This can result in material savings, especially for those with a significant amount of debt. While the banks charges S$99 for processing fee, it is rather insignificant for applicants that receive the cashback promotion. Additionally POSB and DBS advertise flat interest rates as low as 3.98% (7.23% EIR). These rates are among the lowest available in our review of debt consolidation plans in Singapore however, they are not guaranteed.
Low interest rates and awesome cash rebates
Maybank Debt Consolidation Plan / Maybank Singapore
Maybank's promotional interest rates for its debt consolidation loans are as low as 3.88%; EIR 6.92% making it an affordable option for borrowers that are able to obtain the bank's best rates. Additionally, Maybank is offering a cash rebate of S$388 to approve applicants. Maybank's current promotions for its debt consolidation plans make these loans a competitive option.
HSBC stands out as one of a few lenders that provides details regarding its interest rates
HSBC Debt Consolidation Loan / HSBC Bank Singapore
HSBC offers the lowest guaranteed flat and effective interest rates for debt consolidation loans in Singapore. Additionally, it is currently waiving its application fee for online applicants, which is normally S$88 or 1% of the loan amount. While other lenders advertise lower rates than HSBC, they use vague language such as "as low as" that indicates that borrowers may actually be offered substantially higher rates. For this reason, HSBC stands out as one of a few lenders that provides details regarding its interest rates. Additionally, it offers the lowest rates among banks that guarantee interest rates published online.
Lowest debt consolidation plan interest rates in Singapore with effectivly low interest rates
CIMB Debt Consolidation / CIMB Bank Berhad Singapore Branch
CIMB advertises the lowest debt consolidation plan interest rates in Singapore, with effective interest rates as low as 7%. This is a great rate for some borrowers that are actually able to secure it; however it is difficult to assess the total cost of CIMB's debt consolidation loan compared to a loan from another bank.Additionally, because POSB, DBS and Maybank are offering cashback promotions and HSBC is offering S$100 cashback and waived processing fees, CIMB's lack of promotions and 1% processing fee make it a less appealing source for debt consolidation loans. It also offers loans with shorter durations of up to 8 years than many other DCP lenders in Singapore.
Unlike its competitors, OCBC does not charge a processing fee
OCBC Debt Consolidation Plan / Oversea-Chinese Banking Corporation
OCBC's debt consolidation loans charge slightly higher interest rates compared to those of other lenders in Singapore. For this reason, the bank's product is not the most affordable. On the other hand, individuals who are unable to obtain the most affordable debt consolidation loan offers could consider applying for OCBC's Debt Consolidation Plan as a backup option. Unlike its competitors, OCBC does not charge a processing fee and it does not list rates "from X%", which suggests that its rates are more transparent and accessible. Another drawback of OCBC's debt consolidation loans is that they are only offered for tenures of 3 to 8 years, which is restrictive for individuals that would prefer a longer or shorter term debt consolidation plan.
With interest rate as low as 0.59% per month and a repayment period up to 10 years
BOC Debt Consolidation Plan / Bank of China
BOC Debt Consolidation Plan (DCP) helps you pay off high interest balances with interest rate as low as 0.59% per month and a repayment period up to 10 years. You can consolidate all your credit cards/unsecured loans balances with no tiered interest, no lock-in period for your funds and no monthly conditions to meet, you have flexibility on hand while your account balance expands.
The habit to save regularly and grow a steady stream of income
UOB Stash Savings Account / United Overseas Bank
I like that with UOB Stash Savings Account one can make it a habit to save regularly, to grow a steady stream of income for times to come, plan ahead and save to ensure one can have a security blanket for the future. With this bank account you get to save as and when you have any extra cash or lump sums from your bonuses or investment
The best high interest account in the market!
UOB One Account / United Overseas Bank
This is perhaps the most competitive salary crediting account that earns sizeable interest rate. Only low point is that you need to hit the minimum spent of $500 a month on debit or credit card and must pair up with one/yolo/lady’s card. Best high interest account in the market! Reliable and efficient travel insurance claim, highly recommendable and easy to claim. Your one stop solution for all travel insurance needs.
Make use of your UOB Personal Internet Banking to track your account balances
UOB Passbook Savings Account / United Overseas Bank
This is a savings account with a stylish passbook provided entirely free of charge. Despite this being a passbook savings account, you can still make use of UOB Personal Internet Banking and use it to track your account balances. Internet Banking will provide you the banking convenience where you can make banking transactions anytime at anywhere, banking conveniences literally at your fingertips.
Gain great benefits while remitting money abroad
DBS Multi-Currency Account / DBS Bank
For fellow expats working in Singapore, this current promotion is great for those who need to remit USD overseas. This is where good planning is necessary. You don’t only benefit from exchanging money at your desired rate, but earn even more at the same time with the 2.5% p.a. interest. Plus, when you do transfer after the 4 months, you’ll get to enjoy same-day transfers at S$0 when doing so online with DBS Remit!
Good for new to workforce adult with minimal saving.
DBS eMySavings Account / DBS Bank
The interest is quite low on this card as compared with other saving plan. It deducts 2 dollars per month on your account balance if it is lower than $500. The interest rate is minimal and there are no incentive to save each month. Super good account as they do not need initial deposit to open the account. Good for new to workforce adult that have not much saving.
A competitive 3% interest rate and $50,000 insurance
Maybank SaveUp Account / Maybank Singapore
I use Maybank SaveUp for their 3% interest very competitive rate plus $50,000 insurance. I also use it for savings and not so much for transactions, so I'm ok with the user interface & lack of ATMs. Plus, their Maybank Platinum Visa Card has no annual fee, provided there is at least 1 transaction every quarter, and gives 3.33% cashback on almost any category of $300 spending free.
A higher interest rate per annum as compared to other banks
Maybank iSAVvy Savings Account / Maybank Singapore
Maybank I savvy account offers a higher interest rate per annum as compared to other banks offerings. I believe that it is worth it to use them as a savings account where money accumulated is able to get higher interest.
Rewards account holders with a high base rate according to their balance size
Maybank iSAVvy Savings Plus Account / Maybank Singapore
Maybank iSAVvy Plus Savings Account is a great option for consistent savers who can comfortably make large monthly deposits and no withdrawals at that for a period of 6 month. To begin with, Maybank iSAVvy Plus Account rewards account holders with a high base rate according to their balance size, reaching up to 0.38% p.a. for consumers with S$50k+ balance. Considering the market standard is just 0.05% p.a., this base–which comes without any requirements or criteria–is remarkably competitive. Additionally, consumers earn a substantial 1.56% p.a. bonus rate on their incremental growth after 6 months, assuming consistent deposits with no withdrawals.
Only an initial deposit ofy $10 with no fall below fee
Maybank Youngstarz Savings Account / Maybank Singapore
The initial deposit is only $10 and there are no fall below fee, while the account offers other kid-related perks such as birthday privileges, hand foot and mouth disease hospitalisation and outpatient insurance and personal accident insurance for you and your child. They’ve also got frequent promotions designed to attract kids. For instance, when opening a Youngstarz Savings Account, your kid gets a $20 POPULAR bookstore voucher.
The first bank in Southeast Asia to launch Near Field Communication
UOB Debit Card / United Overseas Bank
With contactless cash withdrawals, you can now withdraw cash easily and quickly with a tap of your phone instead of inserting your ATM card. UOB is perhaps the first bank in Southeast Asia to launch Near Field Communication (NFC) enabled Automatic Teller Machines (ATM) that allows you to truly go digital. Now to enjoy the convenience of Contactless Cash Withdrawals, add your UOB Visa or MasterCard Debit Card to your mobile phone on MightyPay for Android users or ApplePay for iPhone users.
Enjoy up to 10% off on travel related bookings with participating merchants
UOB Direct VISA Debit Card / United Overseas Bank
With this card, you’ll be able to get cash rebates of up to 10% when you use your card to make purchases at participating merchants such as Cathay Cineplexes and Cold Storage.If you’re one for travelling and adventure, you can also enjoy up to 10% off on travel related bookings with participating merchants.There is no minimum income and annual fee required for this card.You only need to be 16 years or older with a UOB Savings Account or Current Account
Transact in multiple currencies without incurring foreign currency exchange fee
KrisFlyer UOB Account / United Overseas Bank
The KrisFlyer UOB Debit Card and Account has definitely changed for the better. With the introduction of Mighty FX, it now makes even more sense for a frequent traveller to take advantage of the enhanced ability of the KrisFlyer UOB Debit Card to transact in multiple currencies without incurring a foreign currency exchange fee. If you want to earn KrisFlyer miles and don’t want to get or don’t qualify for a credit card, then the KrisFlyer UOB Debit Card and Account are the way to go.
Annual fee waiver triggered with at least 12 MasterCard transactions per calendar year
UOB Lady’s Debit Card / United Overseas Bank
The principal UOB Lady’s Debit Card is entitled to the first 3 years card fee waived while thereafter, annual fee waiver will be triggered with at least 12 MasterCard transactions per calendar year. By the way annual fee waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady’s Debit Card. For eligibility, applicant must be female and be at least 16 years old and no minimum income is requirement.
Charging annual fees on a debit card,
UOB Delight Debit Card / United Overseas Bank
UOB has several debit cards in its stable, but I would urge you to ignore the crowd and quantity and go for quality like the UOB Delight Debit Card. But I think it’s quite absurd that they are charging annual fees on a debit card, yes that is right, yes, believe it or not, UOB charges annual fees on their debit cards – and some are not that easy to waive.
Greater control over foreign currency exchange rates that you get
UOB Mighty FX / United Overseas Bank
With UOB Mighty FX, you not only save on additional foreign exchange (FX) conversion fees when you shop on overseas websites, but you also have greater control over the foreign currency exchange rates that you get. UOB Mighty FX allows you to view and exchange with real-time foreign exchange (FX) rates for popular currencies including USD, GBP, Euro, Australian Dollar (AUD) and Japanese Yen (JPY). Some exchange rates offered by UOB Mighty FX are even better than those at popular money changers, so clearly, this can help you save some money.
3% cashback for contactless payments like Visa PayWave, Apple Pay transactions
DBS Visa Debit Card / DBS Bank
The DBS Visa Debit Card has my vote for being the one of the best debit cards in Singapore. You get 3% cashback for contactless payments like Visa PayWave, Apple Pay transactions with a few conditions to be met like spend at least $400 a month on your debit card and limit cash withdrawals to $400 or less a month. Cashback is capped at $50 a month while you should note that PayWave transactions are capped at $200 per transaction. You should also know that the card can be used overseas with no foreign transaction fee if paired with a DBS Multi-Currency Account
24-hour Concierge and minimum of 16 years of age eligibility
DBS UnionPay Platinum Debit Card / DBS Bank
Major highlights with this card has got to be the 24-hour Concierge, minimum of 16 years of age eligibility, 1% cashback on overseas and online transactions with minimum spend of SGD $1,000 per quarter, 0.3% cashback on local transactions with minimum spend of SGD $1,000 per quarter and enables contactless payment with maximum spend of SGD $100 under UnionPay QuickPass.
Spend at least $400 a month and get 4% rebate
PAssion POSB Debit Card / DBS Bank
This debit card comes with free PAssion membership of up to $12 for 5 years. Don’t know what’s so great about that but it adds up for some people. Plus when you spend at least $400 a month on the POSB PAssion Card, you get 4% rebate at Giant, Cold Storage and Guardian. If you have a family, you also get 5% rebate at popular Singapore places of attractions and 1-for-1 tickets on the 10th of every month.
Generally FWD offers decent coverage for a safe travel destination
FWD Travel Insurance Premium / FWD Singapore
I must say that the FWD Travel Insurance Premium is very easy to apply and also avails competitive rates as well. Generally FWD offers decent coverage for a safe travel destination however if you’re going somewhere with a higher risk involved like a ski trip for instance, you might want to consider specialized plans. But generally, the application process and ease of getting a quote upfront is great with competitive prices too.
On-line cliams process was very easy and fast
Etiqu ePROTECT travel Basic Plan / Etiqa Insurance
I made a claim for flight delay and the on-line process was very easy and fast. The claim was actually approved within a day and the claimed amount credited into my e-wallet the following day.Your credit in the e-wallet is best cashed out using Paynow as it is very simple and convenient.
Claims resulting from pre-existing medical conditions while overseas
Tiq Travel Insurance / Etiqa Insurance
In case you were not aware, most travel insurers do not cover claims resulting from pre-existing medical conditions while you are overseas, but thankfully Tiq Travel Insurance does so you can go right ahead and opt for one of their Pre-Ex plans to adequately cover yourself on your travels.Some common examples of pre-existing medical conditions are Diabetes, Stroke, Asthma, Cancer and Epilepsy
If you plan to buy travel insurance with Citibank, be prepared to pay a premium
Citi Travel Insurance / Citibank Singapore
With Citibank, you have a choice between complimentary travel insurance with a Citi PremierMiles, Citibank Cash Back or Citibank Rewards Card or paying for a premium insurer. If you take a closer look at the coverage limits on the complimentary insurance plans, you’ll realise that the limits fall way short of industry standards for paid travel insurance. Which essentially means that you take it up on your own risk. If you plan to buy travel insurance with Citibank, you’ll have to pay a premium however as it is expensive and the coverage doesn’t quite fit what you pay for but if good emergency assistance is your top priority, then you might find Citibank travel insurance worth your money.
A golf advantage cover that provides coverage for damaged or lost golf equipment in your checked luggage
Allianz Travel Protect Single Trip Gold Plan - Standard Chartered / Standard Chartered Bank Singapore
Unfortunately, Allianz has pretty strict restrictions when it comes to sports coverage as you won't be covered for sailing, hunting, playing polo, mountaineering, skiing, rock climbing, parachuting or hang gliding. You do however, have a golf advantage cover that provides coverage for damaged or lost golf equipment that is in your checked luggage. Allianz has an efficient online claim portal allows customers to submit and file their claims online easily and if you have problems uploading your claim you can call or email them for assistance. If you are claiming for medical or dental expenses, you will still have to send original copies of your supporting documents and an acknowledgement email to the address in the table below.
Personal accident cover starts 3 hours before departure with a high medical coverage of up to S$600,000
HSBC SmartTraveller (Essential Plan) / HSBC Bank Singapore
This card allows you to pays up to $S20,000 under Trip Curtailment even if you have to remain overseas for medical treatment and pays up to S$12,000 for the unrecoverable deposits under Trip Cancellation. Your Personal Accident cover starts 3 hours before departure with a high medical coverage of up to S$600,000 for medical and accidental dental treatment whilst overseas with an automatic extension of policy for up to 30 days if you are hospitalized or placed under compulsory quarantine while overseas upon the written advice of a Doctor. You receive up to S$10,000 for lost personal effects and reimbursement to replace the essential items and an automatic extension of policy for up to 72 hours if you are unable to complete your trip as planned due to Public Transport delays that are not your fault
AIG seems to concentrate all their resources on the upper tier plans
Travel Guard Direct Basic / AIG Asia Pacific Insurance
In all honesty, the AIG Travel Guard plans offer really poor value on their Basic plan, and only step up on the Standard plan. So if you’re looking for a cheap and good deal, you can skip AIG completely. The basic plan may be cheap but it is most definitely not good. The only reason you might want to get the low- to middle-tier AIG travel insurance is if you booked your trip via a travel agency and they have some kind of exclusive discount that’ll put it back in the competition.That said, the upper-tier travel insurance plans have surprisingly good coverage, so if you want to buy from AIG, go big or go home. AIG seems to concentrate all their resources on the upper tier plans. Plus, in terms of turnaround time, AIG is not bad – they’re willing to commit to a 10 working day turnaround time from claim to settlement. They’re not the only ones who do this, but it’s better than nothing.
$18 for the cheapest one week coverage plan in ASEAN countries.
FWD Travel Insurance Business / FWD Singapore
This is definitely one of the affordable brands and their prices are often competitive with ongoing promos particularly if you’re travelling beyond Southeast Asia. Don’t you think that $27 for a week’s coverage in expensive countries like Australia and New Zealand is really quite a good deal? Now with such low prices you’d think they’d hold out on discounts but not at all, as they currently offer 20% off with the promo code TRAVEL20. That’s $18 for the cheapest one week coverage plan in ASEAN countries.
Get $300 limit on delays, $300 for missed connections and another $500 for diversions
FWD Travel Insurance First / FWD Singapore
The FWD policy wording doesn’t mention any sporting exclusions, with the exception of competitive sports and hiking/trekking above 3,000m. Considering that most outdoor activities are covered, their lowest tier plan (Premium) is very good value for money. For the basic plan, FWD Premium has quite a high trip cancellation claim limit of $7,500 which applies for haze-related cancellation or infectious diseases like Zika and dengue too. Where FWD loses out is in the below-average travel inconvenience benefits. For example, for travel delays, you get $300 limit on delays, another $300 for missed connections and another $500 for “diversions”. It is very hard to claim the full benefit.
UOB UTRADE FX Elite is unregulated
UTRADE FX Elite / UOB Kay Hian
Configuration options and tools for traders to customize the platform to meet their needs
CMC Markets Forex / CMC Markets Singapore
CMC Markets is a great choice for forex and CFD traders. The company’s Next Generation platform is powerful and versatile, with plenty of configuration options and tools for traders to customize the platform to meet their needs. With nearly 10,000 instruments to choose from across nearly every asset class and global market, CMC Markets is a great choice for traders looking for a multi-asset solution and broad range CFDs and forex pairs at competitive prices.
I keep missing my entry points in trades due to the error message and connection issues
IG Forex / IG Asia
Since I signed up with them a little over a week ago it’s been issue after issue. From the pairs malfunction to the system always being offline, not connected to MT4. I keep missing my entry points in trades due to the error message "Not Connected" & "Off Quotes" indicating they have connection issues. I'm very pissed off and I want my money back in order to find a new broker because this is beyond ridiculous.
Offers trading of currencies, indices, stocks, futures, options and commodities
KGI Forex / KGI Securities Singapore
KGI Futures is a Forex Broker offering Forex Trading services via MetaTrader 4, MT4 Mobile, MaxxTrader, CQG, TT and KGI Futures trading platforms. Regarding orders execution model, KGI Futuresis an A-book broker. KGI Futures offers trading of currencies, indices, stocks, futures, options and commodities. KGI Futures is unregulated and that perhaps may be the only dark grey area.
The commission is a minimum $1
Maybank Forex / Maybank Kim Eng Securities
I signed up for a pre-funded account last year, commission rate were very low. But if I can share a little hack as it were, indicate an amount higher than $100 for MIP because if you do so your commission rate would be more than 1%.For example, if you indicate $100 for a stock priced at $25, they would purchase 3 units for you as they take into consideration their fees in that $100. The commission is a minimum $1, thus your commission rate is approx. 1.33% instead of 1%
Forex Trading services via MetaTrader 4, MT4 Mobile, Oanda Desktop and Web trading platforms
OANDA Forex / OANDA Asia Pacific
OANDA is a Forex Broker offering Forex Trading services via MetaTrader 4, MT4 Mobile,Oanda Desktop and Web trading platforms. Regarding orders execution model, OANDA is a b-book broker that is a market maker. OANDA offers trading of currencies, indices, bonds, CFDs and commodities. OANDA is regulated by the CFTC (USA), the FCA (UK), the Monetary Authority of Singapore and the ASIC (Australia). This information should help to put your mind to rest knowing they are regulated.
Offers better trading conditions for retail clients
iOCBC FX Platform / OCBC Securities
iOCBCfx is a properly regulated Singaporean forex broker. Despite having a somewhat limited forex portfolio, when compared to other local forex brokers, it still offers better trading conditions for retail clients; lower deposit, higher leverage, even though much lower than that of larger international brokers, and tighter spreads. In some respect they are comparable to those of the global players present in Singapore and can turn out to be very helpful for those who wish to do business with a local broker.
They also offer free investment classes monthly at their different outlets
Phillip Futures Forex / Phillip Futures
The offer a good prepaid account fees as compared to other platforms. I have been using it for a while to buy dividend stocks (ie. STI index), as it is simple to put in orders. They also offer free investment classes monthly at their different outlets where you can learn more about how to use the Phillip POEMS platform, or other beginner investment knowledge.
Saxo Bank offers trading of currencies, indices, equities, options, futures, ETFs, bonds, CFDs and commodities
Saxo Markets Forex / Saxo Capital Markets
Saxo Bank is a Forex Broker offering Forex Trading services via SaxoTrader Desktop, Mobile and Web trading platforms. Regarding orders execution model, Saxo Bank is a b-book broker (a market maker). Saxo Bank offers trading of currencies, indices, equities, options, futures, ETFs, bonds, CFDs and commodities. Saxo Bank is regulated by the Danish Financial Supervisory Authority. I have been using it for overseas equity and the fees are fair enough as per transaction was $4 for most of my trades. Nice mobile app, trades are executed faster, with a nice interface.
Top up your Alipay account and use it both in China and Singapore
AliPay / Alipay Singapore E-Commerce
Technically, you can open an Alipay account in Singapore, but you need a Chinese mobile number and credit card in order to transfer funds to your Alipay mobile wallet. If you’re a Singaporean who lives in China, you’ll be able to top up your Alipay account and use it both in China and Singapore. The following merchants in Singapore accept payment using Alipay; ComfortDelGro, Prime Taxis, Universal Studios, Resorts World Sentosa, Singapore Zoo, Metro and Robinsons. Now you can ask your friends to transfer money via HitPay to you instead of getting them to part with physical money.
A robust application built with simplicity and fast payments in mind
Yoyo Wallet / Yoyo Wallet
Yoyo Wallet is a robust application built with simplicity and fast payments in mind. You connect your cards (debit and credit) or Apple Pay once and start using your smartphone to make payments. It allows you to keep all your financial detail in a centralized place, gain no additional wallet weight and take only your smartphone on your shopping experiences. The solution is ultra-secure; your financial details are stored by a trusted payment service provider and not in your smartphone or by Yoyo.
Instant Peer to Peer Payment
Just PayLah! / DBS Bank
Unlike other banks with limits set at $999 or thereabout, if you’re a DBS/POSB customer you can set your daily transfer limit up to S$2,000. There’s also a wallet limit, which caps the amount you can hold in your PayLah! Wallet at any one time, which is up to S$2,000 for DBS/POSB account holders, and S$999 for other users.PayLah! Is a mobile wallet, for making peer to peer payments and spending money in participating stores, restaurants and taxi. You’ll need to have an eligible smartphone and download the PayLah! app to get started
Dash all the way from Singapore to Thailand
Dash / Telecom Equipment
Singtel Dash is an e-wallet, so once you download the Singtel Dash app and log in, you can top up your dash account. It also works as a virtual visa account, so the account comes with its own unique 16-digit Dash Visa virtual account number and security code. Singtel Dash is can be used in Thailand in as well as in Singapore, making it more attractive to Singaporeans who frequently travel to Thailand. The app also lets you transfer money to another account, remit money overseas and, if you have an NFC-enabled phone, tap in and out of train and bus rides.
The most common and easiest, method for person-to-person payments
WeChat Pay / Tencent Holdings
The most common, and easiest, method for WeChat payments is person-to-person. The person to whom you’re sending money must already be a WeChat friend of yours. You start by composing a message to them and then add a “transfer” to them. When you click on the “transfer” button, you’ll be asked how much money you want to send to them. Enter an amount in RMB. You’ll then be asked to enter your password. Do that, and you’ll see a reddish-orange “transfer” icon appears.The recipient will see this in their WeChat app, and will then have to accept the transfer. Once they do, they will receive it.
No refunding from wallet if there is an error in the process of toping up an amount
NETSPay / Electronic Transfers Singapore
This platform provides zero flexibility of refunding from wallet if there is an error in the process of toping up the amount. Been told by Customer service that the only way is to terminate the account and the refund will be credited after 2 weeks. The UI as well have to be clear at the home screen on which default payment mode are we on as I've been told that the payment mode might switch every time after updating the app
You don’t need to top up credits to send a transfer
OCBC Pay Anyone / Oversea-Chinese Banking Corporation
OCBC PayAnyone works in the same way as DBS PayLah. The main difference however, is that while you can still register an account with DBS PayLah without a DBS/POSB account, OCBC Pay Anyone is connected to your bank account so you need an OCBC account to use Pay Anyone. The transactions are then credited to and deducted from OCBC savings or current accounts. You don’t need to top up credits.The good thing is that the recipient you are sending money to via Pay Anyone doesn’t need the app to receive the funds. They will receive an email link whereby they can click and key in their bank information to receive the money. However, if you already bank with OCBC, you will have the option of using OCBC PayAnyone to directly pay from your OCBC savings or current accounts.
Hassle free overseas usage with good rates as compared to the rest of the competitors
YouTrip / You Technologies Group
YouTrip is actually a god-sent card for those who are conscious of amount spent especially when travelling overseas. With predetermined exchange rate, there is no shock and surprises after a well-deserved holiday trip with all the shopping and nice food. Hassle free overseas usage with good rates as compared to the rest of the competitors. One suggestion is to avail your card into digital card wallet like apple pay or Samsung pay so that it will afford you a fully hassle free usage without the need of bringing the physical card. Use it anytime anywhere with just your phone.
CardUp charges you a transaction fee for each payment made.
CardUp / CardUp
Every transaction you complete using CardUp will incur a 2.6% transaction fee. This can actually add up over time, especially if you’re relying heavily on CardUp. That being said, if your card offers cash rebates or frequent flyer miles, you may easily be able to offset the transaction fee. CardUp works by being a middleman in your transactions. Instead of directly transferring funds from your account to a vendor, you pay CardUp via credit card. CardUp will then transfer the funds to your designated vendor. CardUp charges you a transaction fee for each payment made.
Latest Forums
WHat is the cheapest unlimited mobile data plan in Singapore?
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How do U apply for a telephone line in Singapore?
Identification or a residence card is required to apply for a telephone line. This must be presented with the completed application form of the chosen service provider. There are four ways to apply: Call the telephone provider, online application, visit the store or visit the customer service provider.
What is the best unlimited mobile data plan in Singapore?
If you are looking for the best without thinking about how much it would cost you then you can try Singtel combo 3 where you not only get unlimited data but also unlimited calls and SMS wth a phone subsidy. It comes with a contract and costs S$108.80 but if you want the full package then this is the plan that you are looking for. If you are on a budget and only want mobile data then you should try Zero 1GB to Unlimited data however the speed will be throtted after 1 gb.
What is the cheapest sim only plan in Singapore that provides data, calls and SMS?
There are a lot of cheap plans but the best that provides what you are looking for are StarHubGiga and M1 which offers, 1,000 SMS, 1,000 min of calls and 25-30GB of data for only S$25.but if you're looking for something cheaper but still somewhat decent, you could try Zero1 though you will encounter speed reduction after 1GB of mobile data use.
Are there free sim plans in Singapore?
At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.
At what age can you get a landline in Singapore?
Singapore is known to be one of the safest countries in the world. Age restrictions are part of Singapore's safety measure so the answer to your question is "Yes" there are age restrictions in getting a landline in Singapore. You need to be at least 17 if you are a Singaporean Citizen and you need to be at least 21 if you're not a citizen.
What is Singapore's main landline provider?
The main phone provider in Singapore is Singapore Telecom. They provide both land and mobile phones as well as Internet access. The telephone number for Singapore Telecom is 1-800-738-1311 or 1-609-738-1311. When getting a landline installed, it normally takes five business days. These phones are capable of both national and international calls.
How do I notify my landline provider my change of address?
You can submit a change of address notification to your telephone provider online or yu could always call your phone provider's customer service for further inquiries about the change and charges: Procedures such as account closure and account transfer may have to take place at a customer service centre.
What is the safest bank to apply for a Credit Card?
Singapore has been known to have the safest banks in the world. According to an article published in 2019 by Global finance, DBS bank holds the title for the safest bank in Asia for 11 consecutive years and the 15th safest bank in the world. DBS bank has also been recognized by Euromoney as the "Worlds Best Bank"
How do I block my credit card?
In case your card is missing or stolen, you should contact your bank ask them to block the card for you. Some banks offer mobile apps so that you could block or deactivate your credit card remotely at any time and at any place in case of emergencies and incidents like the one that you are dealing with now.
What shpuld I do in case I accidentally damaged my credit card?
You can try requesting for a card replacement via SMS or you can call your bank to report the issue and ask for a solution. Some banks have a mobile app where you can contact customer support or request for a replacement. There are credit card promotions that offer free replacement but usually they would charge you about 10SGD for a replacement fee so you should ask your bank for further details.
Would getting a loan to pay delinquent accounts raise my credit score?
It would be a bad idea because you might not be able to repay your debt if you get a loan to repay old debts and it might put you in a worse situation. A better idea is to get a couple of secured accounts to repay your debt. This way, you would be able to repay your debt and establish a credit history.
Is it possible to negotiate a recuded payment plan from a company whcih I am in debt to?
Yes, it is possible to ask your credit card compan to reduce your monthly payment plan but it would depend on the company. Many companies would approve such a thing and will honor it as long as you keep making the payments on time. Another thing to make sure is that you get it in writing for a pay for delete guarantee.
I need my car back!! How do I reposses it ASAP
If you were to ask anyone, you should and probably need to handle this accordingly, manage your money properly and decide if you have enough space in your budget to reposses this car since it’s a 1928 model I doubt it would be wise to even get it back and instead invest in another form of transportation, there is not guaranteeing that once you get your car that it would still be as fine as the day that it was repossesed.
should I use mine or should I avoid all completely
You just need to way out if it would be a priority to spend the money now and pay for it later, its all about answering the question of it being necessary? Because if it isnt then it I strongly suggest that you put the credit card down and just save up, credit cards pile up with interest but I dont think the interest that you expect is as big as you think, especially if you are able to pay for it in the span of months.
How do I fix the errors in my newly applied credit card?
First of all stop right there, dont spend money you dont have, especially as grand as a car youd be stuck in debt before you even know it. Second you cant apply for multiple credit cards because companies keep track of those on your behalf, a bank isnt going to leave you credit that easy, you have to be reliable first to be able to pay for the credit that you borrow, my advice would be to hold off on all the spending and instead just save and invest.
What are the terms and conditions for me as a creditor to file a debtor for bankruptcy?
When the Bankruptcy order was signed,creditors are given the choice to file their debtors for bankruptcy if they meet the following conditions: The debtor failed to comply wit a statutory demand to pay the debt for at least 21 days and the debtor failed to comply with a court issued execution. Debtors who also fled the country could also be subjected for filing.
Can I get a house loan if I recently got discharged from bankruptcy?
Most financial institutions would usually do a background check but there is no need to fear. If you just go discharged this year then it might be hard but it doesn't mean that you'll never be able to get a housing loan. Financial institutions will consider approving your housing loan but you wil need to be discharged from bankruptcy for at least a year or two.
Can I obtain a housing loan if I have credit card issues?
Like in most financial institutions your bad credit record would definitely affect your eligibility to obtain a housing loan because it would be harder for those financial institutions to trust your capacity to pay off your debt. You need to at least have a clean credit record for at least 6 months before you get approval from financial institutions.
I have debts that need to be paid would it be a good idea for me to use a personal loan in order to pay these debts?
Just as long as the interest rates are not that high and that loan isn't going to be lasting long without it being paid, then I say it is a matter of priority of whether you should get a loan because if all else fails and you fail to pay the loan immediately, the interest rates will get you otherwise and you will be under twice the amount of debt that you started with, ofcourse it can be helped just as long as you responsibly find out the set backs of having a personal loan and if you are able to handle of paying the said loan when the need arrives
If I were to borrow money from the bank how will this work out?
Well whenever you borrow or loan from the bank there will be given a limit to that loan and when you should pay for that specific loan, ranging from months to even a year, but the inability of you being able to pay at the due date will result in a higher amount of interest the following month compared to your payment dues during the deadline. Everytime you will decide to borrow from the bank there will always be an interest in general and you will have to pay for it with an added amount next time around. Hope I helped goodluck in affording that new car!
I need to loan a big amount of money but from whom?
Singapore banks can help with your loan. They give you a small interest rate. You can search online what banks offer loans. You can compare them now. There are some sites that lets you compare the loans of banks that are can make you at ease, You just need to make sure that your salary income meets there requirement.
I want to apply for a renovation loan.
You can apply for a renovation loan. The loan amount that you can get is between SG$10,000 up to SG$30,000. The interest rate that can range from 3 to 6 percent depends on the loan provider. You should pay the loan for about one to five years. It is also an advantage to applying for a renovation loan for your property than to apply for a personal loan because it has lower rates than the latter.
My car has been repossessed.
Not only in Singapore but all over the world, people tend to get loans from banks or from other agencies to be able to purchase a car. There are incidents when you are paying for the bills in your car, you lost your receipt and the loaner tells you that you did not pay the bill. It is a must to keep your receipt as evidence to your situation.
What are the types of insurance?
It is a good thing that you are taking an interest in investing money on your insurance. There are not 1, not 2, but over 20 different types of insurance. The most common tupes are Life, Health and Travel Insurance but there are also Home, Child, Maid, Car, Pet and Personal accident insurance as well.
Can my doctor charge me for co-pay even if I've already reached my out-of-money maximum?
If your insurance company tells you that you are not required to pay for co-pay then it just means that you are not required to. You should try telling the doctor's billing department because in most cases, the doctor's are not informed about this. Once you've consulted with the billing department they should reinburse the money that you've used.
What is a Personal Accident Insurance?
Personal accident insurance pays you either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death resulting from an accident. Unlike medical insurance, the premiums are fixed, and you do not need to undergo any medical examination before the policy is incepted. The basic coverage are accidental death and or disability, children and medical reinbursement.
Who is/are eligible for a Personal Accident Insurance?
Based on your information, you are definitely eligible. The eligibility for personal accident insurace are first you have to reside in Singapre, two, you have to be a citizen of Singapore, a permanent resident or a pas holder, and lastly, you must be between 16-70 years old. This plan is also renewable upto the age of 75.
Can people be declined of the personal accident insurance based on his/her occupation?
Sad to say that people with hazardous occupations or people with occupations that are prone to accidents are declined by the insurance companies. Examples of these occupations are construction workers, fire fighters, police, military, divers pilots, aire crews, ship breakers, ship crew, and more alike.
Would there be a possibility that I may be convicted and sentenced to jail if I was to fail paying my Insurance?
No there is no possible outcome that the insurance company will or will be able to give you such a punishment as that that insurance companies are not given that form of power especially in issuing such moves such as sueing an individual for the inability of payment but the insurance agreement that was agreed upon maybe voided if not enough funds are present in the account of the client
I don’t have immediate cash on me and the month is about to end, can I collect from my insurance?
I just passed by and from my knowing, I don’t think you'd be able to claim the insurance that you have been spending on especially for wants that is most likely out of the question, most insurance companies only release the money that you have been investing on only when you've been injured, deceased or in dire need of help
Does my debt in insurance company may lead to me being sued?
Get out of that agreement with your co worker immediately since an insurance company does not possess the power to ever sue you, nor apply any accusation towards you regarding that matter. The insurance company is probably not legitimate. Wishing you the best of luck!
What is the safest bank to apply for a Debit Card?
Singapore has been known to have the safest banks in the world. According to an article published in 2019 by Global finance, DBS bank holds the title for the safest bank in Asia for 11 consecutive years and the 15th safest bank in the world. DBS bank has also been recognized by Euromoney as the "Worlds Best Bank"
I accidently damage my Debit Card. What should I do?
Contact your Bank for a request of replacement. Explain to them what happened to your card. You'll be paying fees for the replacement. You can contact them through landline. You can also contact them via online or SMS. You can also visit your bank for faster transactions. Some banks offer free replacement cards.
What if I get fraud with the bank while I'm away from Singapore.
Singapore has one of the top securest banks in the world. You can guarantee that if you have been hacked or fraud, The bank will ensure to help you in your case. The reputation of the bank is on the line here so they will be willing to help you in that. Before inputing your information (username and password) on the site, check if it is real. If it is an app, you can check the ratings and the creator of the app is really the bank/company.
I lost my Debit Card.
Singapore has one of the top securest banks in the world. If your card got lost, contact them or call the banks immediately to hold your account. They can even trace where it was last used. With the small country of singapore, it is not that hard to find something that is lost. You can ask for the assitacne of others
My bank fails. What should I do?
Banks are the safest place to keep your money. But from time to time some banks experience bankruptcy. Most banks are FDIC secured. If your bank is under the FDIC your money is safe that is upto $250,000.
My grandfather are being treated at home
People who tend to get sick and has an illness that requires a medical care are being hospitalized. But some of them wants to stay home and being treated there. Some hospitals offers outpatient services. They bring their equipment to your house to treat you there. Sometimes you can also avail a private nurse or doctor with it. The price of outpatiend is different from the patient inside the hospital. You can pay them cash or by using your debit card through the hospital before the service.
Can i use my debit card for my maintenance?
Debit cards are an alternative for cash. It is a plastic card that is issued by the bank allowing the cardholder to transfer their money electronically to another bank account when making a purchase. So it depends on the medical store that you will be going to if they accept card payments, but usually a lot of stores today allow usage of cards as payment.
They are selling repossessed items on a lower price
Buying repossessed items is not an illegal thing to do. Most of the repossessed items have enough documents that support the item. Selling repossesssed items is mostly done by the banks. But other people can also do that if someone loaned from them and have documents. Yes you can buy those items from the seller, you can also use your debit card to pay for the items.
Can creditors sue me for debts if I file for bankruptcy?
Since you already filed for bankruptcy, you have nothing to worry about. One of the benefits of filing for bankruptcy is that creditors cannot sue you because they are banned from commencing legal proceedings against you to recover debts incurred before bankruptcym after the making of the Bankruptcy Order.
I'm currently in a lot of debt. and I need it to stop
As long as you are able to pay your credit balance as soon as possible, I don't see the harm in paying of a loan with your credit cards, since it would obviously be better for you to pay the loan that you had before, since every month it will increase in interest and would cost more, while the credit card that you posses only needs to be paid monthly and will be unaccesible only if you exceed the credit limit but mind you, as long as it remains unpaid credit can also increase in interest so exercise this with caution
What should I do with my debt to a loan shark?
First of all, loan sharks are illegal loaners that the government does not recognize. It is illegal to lend money without a license. If the loan sharks loan lent you the money in a illegal matter, the loan shark has no legal right to collect it and they can't take you to court to get it back. Some loan sharks will threaten you by saying you will be prosecuted and even sent to prison if you don't pay up. This can not happen, an unauthorised lender such as a loan shark has no legal right to recover the debt.
I have a debt and charged me with high interest rate, what should I do?
You can immediately report to the authority a potential loan shark given that they gave you a higher interest rate above than legal. Any debtee that threatens or uses violence to collect debt may be reported to the police, illegal or legal, as it against the law. Your failure to pay the debt is not a criminal offense given that you are willing to pay but lacks time.
I am called to pay my debt earlier than the agreed time.
A law exists in Singapore that is strictly states that certainty and completeness (Ch 08 Law of Contract) must be present in a contract before being agreed upon. Given that you and the company have agreed upon a specific time, they cannot and must not forced you to pay other than before or on the exact day of due date. Hence, if not followed or attended, the other party may file a civil suit for a breach of contract.
What happens after one has declared bankruptcy?
After filing the Debtor’s Bankruptcy Application and the Affidavit in Support of Debtor’s Bankruptcy Application and the procedures done, there is a 21-day allotment required to instruct the bankcrupt by the Official Assignee of his responsibilities and state his liabilities and assets. His monthly contribution plan will be discussed as well with the Official Assignee.
What will happen if someone unfortunately die of accident leaving his debts behind?
The family, including his wife (unless they have joint accounts) and sons, will not be inheriting the debts that your uncle left them. The debts of your uncle will be payable out of his estate. The executor responsible will then proceed to sell off investments and withdraw the money left in the deceased's bank accounts to pay off his debts. After settling the debts, is the time when the executor will distribute the remaining assets according to the instructions of the deceased’s will.
Can civil suit be taken regardless of private settlement?
Unfortunately, you can't hastily go to the police since you have a private settlement and agreement. Personal loan cases or debt cases are considered to be civil case and not a criminal case so the police cannot take action of the said circumstance. Given the situation, you might want to ask him personally.
If I was to file for bankruptcy would that mean for my bank account that is currently linked to all my billing accounts?
Filing for bankruptcy will give you a fresh start to your business and remove you from all the payment needed from that business of yours but ofcourse possesion and benefits from that small business will be voided will no longer be in your hands instead it may be either sold to some other individual who is willing to pay the debts or completely stopped from existing though that may not always be the case but there is still a better chance of it being sold instead, anyway you will be able to make a fresh start but without the investment money of course, you are just given the ability to avoid paying the debts that come along with the business, filing for bankruptcy doesn't always work out it mainly involves how much money it is in debt with and how big the money that was invested in it
I need to maintain my medicines.
As soon as you have the mind to know the value of money, save it. Don't just keep spending on things that you want. You should always have savings so that what ever happens you can have an emergency money. Your parents are not always there to be with you and still give you your medicines. So never forget to save some money.
Can I use my savings for my maintenance medicine?
A medical savings account is present Singapore which aims to provide a tax-advantaged savings account and provide both an investment and health coverage. It provides a fund for medical expenses, or if not, is an investment for future use for medicine. Additionally, it will allow a person to meet future personal or immediate family's hospitalization, day surgery and for certain outpatient expenses.
May I lend my money from savings in the bank through online transaction?
It is a safe thing to open a bank account and open your own savings account. Not everyone has a savings account. There are times that you need to pay something online or to someone, most of the banks have an online application and has features that you can send money to their accounts or to their banks (fees may be applied)
How can a disabled person have a savings account?
All banks have a savings account. It does not matter if you are handicapped or an oridinary person. You can easily open a bank account here in Singapore, and open savings account. You just need to sumbit the requirements that they need. Most of the banks here in Singapore are recognized abroad so you do not need to worry about it.
May I use the savings of my brother to pay a repossessed item?
If you have someones debit card or credit card that is being used by other persons, you should give an authorization to those people before they use it. Some stores needs a proof of authorization before using it. It is more applicable if the owner of the card is the one to use it even though he or she is a relative or a someone close
The atm is not functioning well
When withdrawing money, make sure that the ATM machine is real and not a fake one. There are cases where the machines are faulty and gives the wrong amount of money that you are withdrawing. Sometimes it gives you more than what you punched in or sometimes it is less than what you punched. Always make sure too count your money first before leaving the machine. Always check you receipt if the money that has been deducted to you account is correct if not, call to the banks hotline number to report the incident and help you get your money back.
Does my money also liquidate along with the bank?
There are some cases when you just opened a bank account and had a savings account, the bank under goes bankruptcy and you cannot access to banks anymore. Do not worry, your money is still safe and will not liquidate like the bank. Your money is insured by the government and by the legal rights you can withdraw your money to them/
How does wage garnishment work?
You need to understand what garnishment means and how it works. The creditors won your case and the court orders your employer to withhold a part of your paycheck. Next is to know your right in this situation. Your employer can not just take money from your salary. Follow all the process and pay your debt to lessen your problems.
Do people who are handicapped excempted to tax?
Singapore is a small country that is also progressive when it comes to the economy. There are many people who are handicapped at the same time working. Even they are handicapped, they are also given taxes. Remember that even when you but food and other things, tax is applied. Those who are PWD's can get discounts, still depending on the stores' policy
When I loan from someone are they suppose to add taxes?
When you are loaning at the banks, they break you down the percentage of how much you will loan and how much interest will be added to it. For example, when you are loaning for a car, it can take up to seven years of payment with 12% interest. Of course you are acquiring a product and every product have its taxes. When you loan to other companies the interest rate is different from the bank.
will i still pay taxes when my company went bankrupt?
A debtor can voluntarily file for bankruptcy in Singapore if they owe and cannot repay debts of at least S$15,000. If the debtor is declared bankrupt, their assets will be sold and the proceeds put into a bankruptcy estate. This excludes any assets that are protected from bankruptcy, such as HDB flats.
What law do taxpayers violate when they ask for more?
To be honest, if this was reported, the both of you will face aproblem; The taxpayer for being dishonest and asking for more which is basically used the victims disadvantage at the situation while the victim for having outdated record book. It can actually be the cause for the possible forced shutdown of the company.
Middleman to contact all the person in debt
Although it is nice to have a person who will be in charge of the notice, if you are going to think about it, you have a variety of choices. There is social media nowadays that can be used as a platform to communicate with the ones in debt. It will also be less hassle to use social media, plus you do not need to pay someone to do some tasks for you. But if the middleman you're going to use is someone that you trust so much, then it is still up to you.
Is the taxes that have been added to me is legal?
Singapore follows a progressive resident tax rate starting at 0% and ending at 22% above S$320,000. There is no capital gain or inheritance tax. Individuals are taxed only on the income earned in Singapore. The income earned by individuals while working overseas is not subject to taxation barring a few exceptions. If the company is not doing the right tax deduction you can report them to the IRAS.
Am I eligible to file for a bankruptcy?
You are definitely eligible to file for a bankruptcy. As long as you have a debt of S$15,000 or more, you can voluntarily file for a bankruptcy in Singapore. Alternatively, your creditors can also take action and file to make you bankrupt if they don't think that you would be able to pay the debt that you owe them.
Which among my properties would b sold to the bankrupt estate and could I use it to pay off my target contributions?
First, if you are declared as bankrupt then all your assets except those that are protected from bankruptcy,such as HBD flats would be sold and the proceeds would be placed in the bankruptcy estate. SecondThe property sold to the bankruptcy estate cannot be used to pay off your target contributions.
Who would manage my bankruptcy estate and who decides my target contributions?
Typically, the cour assigns an Official Asignee to manage the bankruptcy estate so that your assets would be administered and distributed as fairly as possible among the creditors but the bankruptcy estate can be managed by a private trustee who can either be an accountant or a lawyer. If you are emplyed, you have to make a monthly contribution that is paid to your bankruptcy estate which would go towards fulfilling a target contribution that is decided by the Official Asignee.
What are the benefits of filing for bankrutpcy?
A good question indeed. Given your current situation, it is highly recommended that you file for bankruptcy so that your debt would stop accumulating and your monthly repayments would be lower. After the making of the Bankruptcy order, your creditors cannot charge interest for the principal sum that you owe them and unlike before, your Official Assignee will decide a suitable amount of monthly contribution that you willhave to make after taking into account what you need for yourself and your family.
Should I voluntarily file for bankruptcy or should I wat for a creditor to di it?
It would be better if you to self-declare bankruptcy yourself instead of waiting for creditors to sue you because the interesst on your debt might continue to increase while you are waiting. It doesn;t matter who files for bankruptcy because the cost of bankruptcy application deposit will likely be borne by you as the debtor.
What rules should I keep in mind when filing for bankruptcy?
You need to remember that you need to be domiciled in Singapore, own a property, has been ordinarily a citizen for a year, have a place of residence for at least a year and have carried on business in Singapore for at least a year. You must also owe at least S$15,000 where the debt is payable immediately and enforceable in Singapore, but you are unable to pay the debt.
How much does it cost to file for bankruptcy?
There is a fee for filing bankruptcy Any creditor or debtor who wishes to file for bankruptcy must pay a deposit of S$1,850 to the Official Assignee to administer the debtor's estate. If you hire a lawyer to help you file for bankruptcy, the lawyer will charge professional fees on top of the deposit amount.
WHat would happen if I have been declared bankrupt?
Since you're already declare as a bankrupt there are simple steps that you need to do to get started. You are required to head to the Official Assignee's office to be briefed on your responsibilities as a bankrupt and to submit a Statement of Affairs recording your assets and liabilities to the Official Assignee within 21 days of the Bankruptcy Order. After, you and the officers of the Official Assignee will discuss your monthly contribution plan.
What is the Employment act of Singapore?
First thing first, you need to know what papers you'll be needing. You need to comply them all first. Ask some assitance about it. www.renaigroup.asia/personalised-employment-pass-singapore-visa/ might help you with that. Just make sure you are ready for everything.
What are the most in demand jobs in Singapore?
Service and sales workers have the highest vacancy rate in Singapore. As the population grows, more and more commercial services ar ein demand. Next in line are Associate Professionals and Technicians, and Cleaners, Laborers and retail staff. These combined make up 13,000 vacanciies in Singapore which gives many opportunities to those who are in need of work.
How to apply for a job in Singapore?
First step is to check your eligibility to work in Singapore. Choose a thriving industry. You need to understand the common employment practices in Singapore. Search for a job online or meet with an employment agency. Meet people and communicate with them. Apply for a working visa and get ready to move.
How do i know if I am eligible to work in Singapore?
Before getting into an exhaustive job search, it’s a good idea to make sure you’re eligible to work in Singapore. There’re a few different kinds of permits based on your qualifications. The Ministry of Manpower in Singapore has published an online self assessment tool, SmArT, to gauge your likelihood of eligibility.
What are the common Employment practices in Singapore?
You need to gather information on salaries, skill training, leaves of absence, holidays, hours, contracts, and much more. The Ministry of Manpower has a comprehensive list of employment resources to help you get an understanding of what working in Singapore will actually be like.These are useful information that you need to keep in mind when working in Singapre for you to be aware of your benefits and limitations
How do i apply for a work visa in Singapore?
If you’re an experienced professional earning at least 3,600 SGD a month, then your employer can apply on your behalf for an Employment Pass. An alternative for ‘mid-skilled’ workers, earning at least 2,200 SGD a month, is the S Pass. If this is a suitable visa type for you, your employer will have to make an application on your behalf.
What are the different types of Visa in Singapore?
There are 4 types of visa in Singapore. The first one is Employment Pass for professionals earning at least S$3300. The second one is EntrePass for entrepreneurs looking to start their business in Singapore. The third one is Personalized Employment Pass only given to high earners already holding an employment pass, but offering huge flexibility in employment terms and eligible industries and lastly, S Pass the most common visa type for typical foreign workers, provided to mid-tier professionals earning at least S$2200 a month.
How long am I only supposed to work if I am covered by the employment act?
For common work arrangements, your contractual hours of work are as follows: If you work 5 days or less a week your contractu al hours of work are Up to 9 hours per day or 44 hours a week and if you work more than 5 days a week your contractual hours of work are up to 8 hours a day or 44 hours a week. For other work arrangements, your contractual hours of work are as follows: If youwork less than 44 hours every alternate week your contractual hours of work are up to 48 hours a week, but capped at 88 hours in any continuous 2-week period. If you work shifts of up to 12 hours a day your contractual hours of work are uto an average of 44 hours over a continuous 3-week period..Overtime work is all work in excess of the normal hours of work (excluding breaks).You can claim overtime if you are:a non-workman earning up to $2,600.or a workman earning up to $4,500.
Would a virtual office reduce my business cost?
Well, it will really lower your cost. If you need help finding one, I could help you. Just visit us at https://osdoro.com.sg/virtual-offices/
What are the benefits in starting a business in Singapore?
We all know that Singapore is one of the best countries to do business because of its low tax rate. But like every business, there are a lot of risks. If you are migrating to Singapore, that can already cost you. Also, setting up an office at the start can be stressful. Try opting to <a href="https://osdoro.com.sg/coworking-spaces/?utm_source=moneyduck&utm_medium=social&utm_campaign=offpage_forum">oworking spaces.</a>. They are flexible when it comes to the rental prices. You could also this guide about the coworking spaces are in demand in 2021 https://osdoro.com.sg/private-office/2021-guide-cost-of-renting-an-office-space-in-singapore/
Why is it good to start a business in Singapore?
Aside from being ranked the best place to start a business by the World Bank in 2019, singapore is also ranked the second most open economy in the world. Singapore has low tax, good government and minimal corruption. Singapore also has a strategically bsuperior location with good access to key SEA markets.
How do I legally register my business?
At least one Singapore resident must be appointed as the director of the company. Singapore companies are allowed to have 100% local or foreign ownership. New shares can be issued or existing shares can be transferred to another person after the company has gone through the incorporation process. There are no capital gains or dividend taxes on Singapore companies. The procedures for company registration is fully computerised by ACRA (the Accounting and Corporate Regulatory Authority) in Singapore. Usually, a company can be incorporated in 1-2 days.
What are the types of companies in Singapore?
There are two main types of companies in Singapore.. The first one is the public company which is listed on the Singapore Exchange and typically has more than 50 Employees. The second one is the private company which are not listed on the Singapore Exchange and can only have a maximum of 50 employees. For private companies there are a few different set-up options: Sole Proprietorship, Partnerships, and Private Limited Companies.
What are the different types private companies?
The first one is Sole Proprietorship where an individual who starts up a business, Partnerships whre two or more persons (up to 20) who create a company. Has Limited and Limited Liability versions and Private Limited Companies where the company is an entity separate to the shareholders who aren’t personally liable for any debts incurred. A public company just needs to register itself to the Singapore Exchange.
What are the benefits of doing business using Video Conferencing?
Singapore has many partners, suppliers and employees operating in SEA and even in other continents. Video conferencing helps you make faster decisions compared to just talking to one person over the phone or communicating through e-mail. Video conferencing also gives you a chance to see eachother wile talking which means you would see each others body language resulting in a more productive discussion and video conferencing is cost efficient and would help the business cut unnecessary travel expenses. There are endless reasons to why video conferencing is good for the business but main reasons are as stated above.
What should I look for in video conferencing?
Time is money in any kind of business. It is important that a business has fluidity and everyone involved must be reachable anytime, anywhere and at anyway. You need to look for one that is programmed for every platform and dvicw. High Definitin Video quality is also important and must consume less bandwidth as possible. Easy access to video recording and transcriptions are also necessary for various reasons.
Shopped online and I've been receiving goods that have been damaged, how do I return these?
There are a few ways of handling this, either you can open up a package immediately and check for damages so that you can give the package back to the delivery service so that they may contact the seller on the matter, or you can go contact the company responsible for selling the merchandise, these contact infos are usually present in the website or fan page, they usually take it back and provide you with another model but it will probably take some time to do so
I damaged somthing at the mall but I didn't mean it.
The use of the word “accidentally” ]which is always a fun word for lawyers. It’s possible, if the amount were great enough and the company decided to sue you over it, that if the situation were truly an accident, and not a negligent or reckless act, that a court would find no liability, this is because tort law is predicated on intent, generally speaking. Even negligence requires more than a mere “accident” — it requires a duty, a breach of that duty, and damages.
Wrong punching of product in a store
You have to contact the store to let them know that you want a refund. Give what documents or proofs that they are looking for. Next is to provide your credit card details, then sign the required documents. After it is settled, the refund may take five working days, depending on the terms and conditions of the bank.
Where can I find a company with higher rebates when I do online shopping?
When people do shopping, they usually look for promotions, discount and sales. But there are a lot more cheaper places to find the stuffs you need. There are online stores that have a cheaper price at the same quality. Some stores have physical stores and even online stores for them to easily contact. If you are looking for good rebates, when for the huge sales that offer a lot promotions and other more.
Can I borrow money for the things I want to buy in the mall?
Technology and financial advancement in Singapore is present. Thus, credit cards are widely used and accepted. There are various ATMs that you could apply, depending on the expenditures you have monthly you can save a lot of money just by choosing a right credit card. Find the most suitable credit card for you, based on your priorities and expenditures.
I have a friend that has a hearing disability with ID, can she avail discounts when he travel across country?
An article was released last 2016 that every person with a disability and their company is given a free entrance to particular tourist spots and museums in Singapore. There will also be assistance of inflight safety video available in sign language in the Singapore airline. An ensured travel will be presented to a person with disability given that they are prioritized.
Can PWD ID used for shopping?
There are tourist attractions that offer special discounts to caregiver and free admission for PWDs. These include some attractions on Sentosa, the 4 Wildlife Parks, Garden By The Bay, Wild Wild Wet, etc. However, PWDs must show their DDR ID - Development Disability Registry ID card. Free admission applies to the first caregiver, regardless of nationality, who accompanies a Singaporean, permanent resident or foreigner with disabilities.
The shoes I bought online is damaged.
Under the Lemon Law in Singapore, which falls under the Consumer Protection (Fair Trading) Act, buyers can make a claim for a defective product within six months of purchase. Consumers can request for repair, replacement, reduction in price or a refund, says Seng Choon, adding that the law applies to goods and services sold online by a registered Singapore company.
I have a kidney stones surgery ahead, can I use my credit card for the pay.
You can avail the medical credit cards that offers in Singapore. Availing the Medical Credit Card with your credit card can will help you to use your credit card for your plastic surgeries. You can also use the medical cards for other medical stuffs. Ofcourse their is a limit for using the medical card. By using this, it affects your credit.
I got into a motorcycle accident and had to admit but I don't have emergency money.
You can apply a medical credit card to help you with your medical expenses. This medical credit card requires a credit check. This credit card is limited to your medical services only. This is not like a retail credit card that you can use for groceries, shopping, paying other bills, etc. Next time, drive safely to avoid some accidents like this.
What are the symptoms for having dengue?
One must immediately go to a doctor if the symptoms you just told us is present since some symptoms may not be seen instantly but given the situation you are in, you could still go to the nearest clinic. Yet for your referral, one is considered having a dengue if experiencing fever, headache, body aches, and sometimes rash spreading from the trunk. If not all is visible to you, we can say you are just having a flu or other illness other than dengue.
What benefits can I avail with my Person With Disabilty (PWD) card?
Persons with Disabilities (PWDs) in Singapore has what they call 'Purple Parade', it a list of fun activities and discounts in Singapore for PWDs and their caregivers can enjoy. Other benefits are 25% discount on public transport, car park labels for PWDs, taxi subsidy scheme, and lastly is disabled persons scheme ,it is a means-tested scheme that supports Singapore Citizens with permanent physical disabilities who are unable to use public transport (i.e. bus and/or MRT).
How long will be an outpatient?
Being an outpatient is an option espetially when you are a busy person. It depends on your schedule and the doctors diagnosis to you. You should always ask the doctor for better a advice in your current situation. The doctor can tell what to do and what not to do. They are the ones who can asses your illness.
What should I do before my surgery?
Having your first surgery is quite terrifying because you do not know what you should do as a patient. There are a lot pre cautions that you should know before undergoing this surgeries. Depending on the surgery that you will be facing, the doctor will tell you on what things you should and should not do before this surgery.
A new vaccine has been discovered and are already being implemented to many schools.
For new vaccines and medicines that needs to be applied to the young people in the country, the World Health Organization (WHO) must first confirm this product before going to the young ones. If it is approved by them, it is likely to require those people who needs to be vaccinated by this new product for a healthy future.
Is it ethical to try a homemade herbal medicine to a family member?
When someone is sick, you should get medicines to get rid of the illness that they have. Some people uses herbal medicines to cure the illness that they are having. Some people do not trust these herbal medicines. Most of the herbal medicines that people do are recognized by the medical field experts. It can sometimes be more effective than the usual medicines that we have.
Watching movies stress me out, how often does accidents actually happen, I don't think I ever want to get on a plane
I for one strongly urge you to avoid watching those kinds of films especially movies that aren't based on any real life stories, plane crashes and accidents don't really occur as much as you'd think and there are times that it's just your mind imagining things that are less likely to happen, I'm a flight attendant and I've been working for a few years now, and I can reassure you that planes are definitely safe.
I've been fraud with this so called agency. Help me!!
Always confirm the company/agency/airport if the sale is real. If you had been fraud, report your case to airport and report them to the authorities of the law. In Singapore, they guarantee your safety. Even though they only have few cases of that. You should never give your information to random persons without assuring that they are real.
I paid for to a travel agency and it turns out to be a fraud.
Bank can only covered expenses if you already on travel. In your case, you are just in the process to go on a travel and it is the bank that has nothing to do with the expenses. But, you can check the history of your transaction to track the owner of the account where you deposit your payment. It is the best what the bank can do for you. To avoid this kind of problem, you should research the agencies that you contact. Many people now are posting their experiences on this kind of matter. Select an agency that has good reviews.
Can I claim a compensation if my luggage has been damaged?
When going abroad, or on a business trip, we always have our luggage for our needs. We always carry or have our essentials by our side. There are some cases that our luggages gets damaged or even lost. You can get your compensation from the airline that you travelled with or with the travel insurance you have. If you want to claim a compensation for damage, write a report to the airlines within seven days.
What are travel agencies in Singapore that I could mainly trust?
If you are business person or who likes to travel a lot. It is recommendable to find your own travel agency to partner with. But there a lot of agencies out there. If you are working for a company, you can ask your co-workers what is the companies travel agency partner. You can also ask your close friends and relatives who likes to travel to help you with that.
Can an outpatient travel after 3 days of surgery?
Avoid travel for at least a month after surgery. Move as much as possible during the trip. It is generally recommended to wait four to six weeks to fly after any lower limb surgery. If you're traveling by plane, bus or train, stand, stretch and walk down the aisles. During car trips, take a break to walk and stretch at least every three to four hours
Can a disabled person travel?
There are people that are born handicapped or disabled. They are called PWD (Persons With Disability) They are disabled persons but they can still go out country. They have more privileges than us, normal people. They can aqcuire discounts, some times free stuffs. They are like senior citizens who are prioritized.
I want to try travelling around the world what are the beautiful places or tourist spots I can go to?
There are a lot of places you can go around the world. When you are just a beginner in vlogging, there is a chance that you are not gonna earn money because being a vlogger that earns money must achieve the minimum requirement in the social media before receiving the money. You can vlog for fun but do expect to receive money
I find it harder to trust, will I be able to trust again?
So here's an Idea you have to understand that not every person you meet will be the same person as the last, not everyone does that and not everyone will take advantage of you. Trust is definitely important in any given aspect of a relationship, yes I know it sounds hard to do that after all the pain and hurt but you have to be vunerable and take risks if you actually want to find someone worth it.
Who should be my guarantor?
When starting a business, there are a lot of requirements that you need to be able to have a successful business. If you are lacking some people, you can post ads. If you need something you can also post ads. But if a lot of people are interested in your ad, you can background check them to ensure the security of your business and yourself.
My neighbor is causing excessive noise 'til midnight.
A Community Disputes Resolution Tribunal (CDRT) is present in order to resolve issues or disputes between neighborhood and you can appeal your concern to them. Given your circumstance is the now oppportunity that you ask them for assistance. They could help you decide of what to do with them and arrange agreements to your neighbor.
We have a neighbor that causes damages to others' properties.
The Community Justice and Tribunals System (CJTS) could help you make amends of your properties that have been damaged. They could make your neighbor pay the damaged tools or lost supplies in your backyard. They could also impose injunction to prevent the repetition of the said damage and deeds and apology could be obliged to be done.
What if one fails to pay installments?
Singapore’s statutory laws that regulate repossession can be found in the relevant sections of the Hire-Purchase Act. This states the rules that both parties must follow and adhere to. Upon repossession, you must inform your friend of the details of repossession. When you repossessed the car, you must allot 7 business days for you to resell it to others and allow your friend to pay his arrears. After this, it is up to your friend if he will respond accordingly about his intention, if he will pay and request for the return of the repossessed car or respond nothing and allow you to sell it to others.
Is contract & agreement applicable even to a small business?
If you start a business in Singapore, you will want the law of Singapore to “govern” any contract you sign. That means that Singapore law will be used as the framework to decide any dispute you have about your contract. The governing law is used to determine whether the contract is valid and, if so, what rights each party has under the contract, what defense they have and what legal remedies are available to the wronged party.
Can I report to the police an illegal money lender?
There are a lot of loaners out there that are not being acknowledge because they are just minor loaners or just a lend from a friend. But there are cases where even though they are your friends. They are charging you a percent that is more than the company loaners offer. They are called loan sharks. Being a loan shark is illegal. Loan sharks cannot file a complaint against you. If you are being threatened by those people. You can report to the police to help you with that.
My brother had a motorcycle accident.
If you had a major accident, there is a chance that you are not fully recovered. It can affect your carrer and also your lifestyle. If your past job cannot be proceed due to your situation, it is morelikely for you to find another job. There are a lot of jobs that you can get here in Singapore that might interest you.
I feel chest pains but I don't think the doctor who diagnosed me was right
That is definitely a scam, honestly no doctor in the right mind would diagnose a patient without even checking for blood pressure or without any use of equipment, this just sounds to me like the doctor you encountered was just taking a wild guest and is only doing this for his own benefit, so you'd buy expensive medication for him to earn a huge amount of money, my advice to you would to definitely consider reporting him and getting out of there.
I have a friend with disability and he asked for my help about his doctor.
The medical procedures that is needed must be explained specifically to their patient before being done. As well as the medicine they need to take before prescribed to them. One must report the particular doctor to take action of the said con and must immediately leave the doctor so there will be no prolong incorrect medications to be given
My neighbor is scammed with a quack doctor.
You should initially raise your concern with the specific healthcare provider ie person dealing with your case. A simple misunderstanding may have arisen which can be easily resolved. You may find that your question or complaint can be satisfied in this way, informally. However, if this is not possible, you can ask for the issue to be considered as an official complaint.
A doctor misdiagnosed an illness in me.
People tend to get sick and go to the doctor as soon as possible. Some doctors are professionals in their field but can have misdiagnosed the patients. If the misdiagnose keeps on repeating, you can report them to the hospital that they are in. If your illness is as generic as the other, it can really cause a misdiagnosis.
The person who scammed has already tracked
Scams do not only occur in Singapore, most of the time they are being scammed online that came from foreign countries. There are cases when you are being scammed in person by the dealer you have talked to. When you are scammed, report immediately to the police on what happened to you. Once the report is sumbitted the authorities will do their best to help you. If the scammer gets caught. You can reposses the things that have been taken away from you.
Wrong medicines given
There are a lot of nw medicines today that have not been recognized by the world health organization. Selling drugs that is not yet approved by the authorities is against the law. If the pharmacist gave you a medicine that the doctor does not prescribed. Go back to the doctor for another medicine.
Should I accept the consolation money from the scammer and withdraw the case?
Fraudulent activity and scamming is one of the most common cases the government is trying to prevent. Since they do it in an inappropriate manner and did fool someone intentionally, it is therefore considered as crime. Scammers also violated laws which are related to fraudulent and scamming. Considering all that is happening in the country, it is better to not be blinded by money because if ever she will get away with this case, she might do it to others again.
Filing a lawsuit about fraud
Since they broke your trust, they should get what they deserve. It is possible to file two lawsuit against one depending on the laws they have violated. Since there are two violations; first the accident and then scam/ fraud. Make sure to collect all the necessary evidences to make sure that you will win the case.
Can I get my pension advance?
With that pensioners can get minimum of INR 25,000 and maximum of 5 Lakhs or 18 times of the monthly pension. There are no processing fees charged and no margin required for getting this pensioner personal loan. The loaners can repay the loan with maximum of 60 EMIs. Guaranteed with it's employer.
I need a maintenance for my diabetes.
There is a medical help given by the government that could provide the necessary medications and basic financial protection. In Singapore, the government offers various financial aid that could support their people specially the retired professionals and disabled persons. The future of the people in Singapore is indeed secured by their government.
I am a retired school security guard and diagnosed with a cancer, is there any help that I could get from my former workplace?
When people are retired they tend to relax, go on a vacation or even just spend money. They do not expect to be sick. In the situations of this security guard, he has cancer. Not everyone is diagnosed with this. It is not just a simple illness that can be cured with antibiotics. It should be treated properly. If you have insurance your insurance can cover your expenses. If the contract from your formal company has written that you can still use your benefits after you retired, then you can avail that.
Can a pension help me from being bankcrupt?
Singapore's pension system is one of the oldest and most developed national schemes in Asia. The system rests predominantly on one pillar: the Central Provident Fund, which provides for most social security functions. The Supplementary Retirement Scheme, a voluntary private pension scheme without employer involvement that enjoys tax advantages, completes Singapore's pension landscape.
I need a surgery as soon as possible
Singapore has a lot of workers that strives to do their jobs well at the same time earn a lot of money. But at in a certain age you will retire from your work. Accordin with the Retirement and Re-employment Act (RRA), the minimum retirement age is 62 years. Your company cannot ask you to retire before that age.
My father loaned from the loan sharks after retirement.
You can immediately report to the authority a potential loan shark given that they gave you a higher interest rate above than legal. Any debtee that threatens or uses violence to collect debt may be reported to the police, illegal or legal, as it against the law. Your failure to pay the debt is not a criminal offense given that you are willing to pay but lacks time.
I am retiring soon and my pension will kick in soon
People comes to a point where they need to retire. In Singapore the retiring age is 62 years of age. They cannot retire at an early age. When you are working, you are depositing on a company that holds your money for your retirement funds. It is mostly recognized by the government. There is no need to worry when it comes to retirement. The government will help you with that
Retirement benefits issue
There are retirement benefits everyone should be receiving after retirement. And if this benefits were not given, a lawsuit can be filed since it is against the law. It is mandatory to give retirement benefits to the employees if the contract they signed includes this in the benefits they will receive while working in the company.
What are the high paying jobs in Singapore?
There are many high paying jobs in Singapore as the economy is very stable. Here are the most paying jobs that you want to consider aiming for in the future. Legal Security, FInancial Manager, Settlement Manager, Digital Marketing Manager, Finance Compliance Manager, Quality Lead or Manager, FinTech Developer, Finance controler, IT Security consultant, Scientific and Regulatory Specialist and more.
What are the best universities in Singapore?
There are many universities that you can apply to because most of the Universities in Singapore have high standards. The top 5 universities to mention are Nanyang Technological University, National University of Singapore, Management Development of Singapore, National University of Singapore Business School, and Singapore University of Technology and Design.
What are the best courses to take in Singapore?
One of the to courses is Engineering because it ranks one of the highest when it comes to returns in investments. It is also in demand because of Singapore's growing infrastructures. Humanities andSocial Science rank just second behind Engineering. Naturall and Mathematical science ranks next to this because businesses are growing therefore managing finances are also important.
I've been very worried about my grades and I don't want to be caught letting other people copy of my work
You are responsible for what you do with your capabilities, if you let others copy from you I strongly urge you to avoid these kinds of people, they're just using you, friends don't usually pull each other down and believe me what their doing will cause you your future, especially if you get caught for plagiarism and fraud. I can honestly tell you that they are just probably using you for what you can offer, don't worry there will be more people who will come but avoid these kinds of people at all costs.
Lacking money to enroll this year please send help
You can ask around your college for special scholarships, it doesn't necessarily need to be grade based if your lacking in that department, usually they offer part time jobs as librarians or professor assistants and if in case you do have good grades you can apply for scholarships that mark down the enrollment fees, if the college does not offer any of these services then your best bet can be a promissory note to the cashier of the college since you'd have more time to come up with the money, I hope you graduate on time.
We don't have money for education.
Borrow money to the bank/company you are working for, They can give you assitance on with your financial stability or they can even have a scholarship for the kid. Companies do fund raising for thos who are unfortunate in life and helps you to become a successful person. They believe that you can do something more and help your country to improve. Immediately change your PIN number to prevent them from doing more damage
I am a scholar to someone.
In present times, students does not only study in their school but also they work to have extra income or probably to support themselves. There are a lot of working students in todays situation, you can get scholarships even though you are a working student. There are a lot of scholarships that you can get from the government and even from local agencies. You can choose which are suitable for you.
My sibling has a disability, how can I help him go to school?
There are various schools that offer education for special people. This include their specialized curriculum that will help each student cope up with their own pace and learn despite their circumstance. The curriculum aims to enhance their mental capacity, their physical skills, motor skills and social skills. The schools can be seen online including their specific offers.
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