Tips and Tricks to Improve Your Financial
Latest news and tips about all thing of money and finance. And you can also check forum and review about financial products or providers.
Latest Articles

Credit Cards
A Beginner’s Guide on How to Apply for a Credit Card
2021.04.29
Credit Cards
Top 5 Useful Tips That You May Not Know About How to Choose The Best Credit Cards For You
2021.04.29
Credit Cards
Explore the 5 Tips & Tricks to Use Your Credit Card
2021.04.29
Credit Cards
Best Shopping Credit Cards in Singapore
2021.04.29
Credit Cards
Best Travel Rewards Credit Cards
2021.04.29
Loan
4 Personal Loans with the Lowest Interest Rates
2022.03.16
Loan
What is the Process to Receive a Personal Loan?
2021.04.29
Loan
What Documents Do You Need To Get a Personal Loan?
2021.04.29
Loan
8 Mistakes to Avoid When Taking Out a Personal Loan
2021.04.29
Loan
5 Reasons Why Your Personal Loan Application Is Rejected
2021.04.29
Insurance
7 Types of Health Insurances in Singapore
2021.04.29
Insurance
Best Insurance Policies for Families
2021.04.29
Insurance
5 Most Important Insurance Policies in SingaporeDisability Insurance
2021.04.29
Insurance
The Best Pet Insurance in Singapore - Guide to Buying Pet Insurance
2021.04.29
Insurance
Understanding The Best Life Insurance in Singapore
2021.04.29
Savings
Should You Use a Debit Card
2021.04.29
Savings
What bank offers the best savings interest rates in Singapore?
2021.04.29
Savings
The Importance of Managing Money | Top 10 Tips to Manage Your Checking Account
2021.04.29
Savings
Beginner's Guide to Managing Your Money
2021.04.29
Savings
When Two Become One: Should You Open a Joint Account After Getting Married?
2021.04.29
Shopping
Cost of Living and Budget for a Family in Singapore
2021.09.30
Shopping
4 of the Best Coupon, Discounts, and Deal Sites in Singapore
2021.09.16
Shopping
How Much Should I Save Every Year Until Retirement?
2021.09.11
Shopping
TIPS WHEN PLANNING FINANCES IN SINGAPORE WITH YOUR COUPLE
2021.04.29
Shopping
The 10 Most Essential Money Lessons You Need to Teach Your Child
2021.04.29Latest Forums
What is HSBC's personal loan in brief?
HSBC Personal Loan
WHat is the cheapest unlimited mobile data plan in Singapore?
I'm looking for an unlimited mobile data plan that is cheap and reliable. I already have one which offers me Unlimited data and unlimited call and SMS but I'm currently on a budget and I don;t really call or send SMS so I'm looking for a low priced but reliable unlimited mobile data plan with adequate speed.
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.
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.
What are the terms and conditions for me as a creditor to file a debtor for bankruptcy?
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I want to apply for a renovation loan.
We are offering Loans/Investment funding for profitable project at a flexible rate, ranging from individuals, companies and traders globally.. My firm has recorded a lot of breakthroughs in provision of first class financial services to our clients especially in the area of Loan syndication and capital provision to individual and companies. Serious borrowers should reply to our email: alliancecredit@aol.com
Buying a car
I took a two-wheeler loan from Shriram city and buy my personal bike. loans are such a headache but if your loan provider charges low interest then people easily tolerate it.
How to avoid loan scams?
That is an important topic, and everyone should need to be aware of it. Nowadays, people are looking for easy ways to make money, and They do not away from mistakes. Innocent people get hurt by people like them. that why it's our responsibility that we have to be aware. I took a business loan from Shriram city, and I am satisfied.
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.
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
What age can someone open a debit card.
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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.
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.
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
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.
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.
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.
Should I make a mobile app for my business?
Hi everyone! I came across a new online bank app in Singapore, Lucy, and wanted to share. My friend told me about it when I needed to take out extra money, and was going to reach out to a moneylender. I’ve asked my boss for money a few times already, but felt embarrassed to ask again. All I had to do was friend my boss on Lucy, and I was able to request for a loan from her on the app itself. 1. It let me select my loan amount 2. Allowed me to choose loan for how many months 3. Let me choose how much money to pay back monthhly I could even add a personalized message, which was then sent to my boss. My boss accepted my request, and now the both of us are able to see my loans and when I’m paying back. SO much easier! And now I am not embarrassed anymore :) I take loans when I have to, and also have a way to track when to return it.
Would a virtual office reduce my business cost?
Small and Medium Enterprises are going virtual. I want to increase my productivity by going virtual however I'm not sure if this would lower my cost. I also want to decrease my overheads. Would having a virtual office reduce my business costs and if it does how would it reduce my business costs? Would it be more efficient?
What are the benefits in starting a business in Singapore?
I want to start a business in Singapore as it is regarded as the best. How would starting a business in Singapore benefit my business? What are the reasons to why I should start a business in Singapore? How much of a boost will my business get if I start my business in Singapore and what are there risks to this?
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.
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.
What are the symptoms for having dengue?
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I have a kidney stones surgery ahead, can I use my credit card for the pay.
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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 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.
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
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.
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.
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.
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
Latest Reviews
Pleasant Rewards
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
Citi PremierMiles Visa Card / Citibank Singapore
Poor Customer Service
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.
Citi Rewards Card / Citibank Singapore
Complimentary Night Stay a Success
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.
Citi Cash Back Visa Card / Citibank Singapore
Zero Travel Related Online Merchants
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.
Citi Prestige Card / Citibank Singapore
Fantastic Rewards
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
HSBC VISA Platinum Credit Card
Family Package Rewards
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.
HSBC VISA Platinum Credit Card / HSBC Bank Singapore
A no-no for individuals seeking the cheapest car loan
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.
UOB Car Loan / United Overseas Bank
Car loan calculator that allows for the calculation of monthly payments
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.
Standard Chartered Auto Financing / Standard Chartered Bank Singapore
Lowest rates for new and used car loans in Singapore
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.
DBS Car Loan / DBS Bank
Islamic auto financing
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.
Maybank Car Loans Singapore / Maybank Singapore
On both occasions the customer service has been phenominal
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!
Asia Carz Credit Car Loan / Asia Carz Credit
This may be the cheapest car loan refinancing option in Singapore
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.
OCBC Car Financing / Oversea-Chinese Banking Corporation
Quick Cash has the lowest published interest rates on the market and no processing fees
Harus dengan cara apa saya bisa pinjam uang untuk perusahaan aku dan bagai mana caranya apakah harus dengan cara trnfer apa tidak
Citi Personal Loans / Citibank Singapore
HSBC personal loan offers the longest loan tenure of 7 years in 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?
HSBC Personal Loan / HSBC Bank Singapore
MoneySmart exclusive rate of 3.5% (7.27% p.a.) for new loan customers with only 1% processing fee
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.).
OCBC ExtraCash Loan / Oversea-Chinese Banking Corporation
DBS personal loans are based on either your credit card or personal line of credit
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
DBS Personal Loan / DBS Bank
You can actually apply for a credit card and personal loan at the same time
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.
UOB Personal Loan / United Overseas Bank
$199 cashback for loans of $1,000 and above if you apply through MoneySmart
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
Standard Chartered CashOne Personal Loan / Standard Chartered Bank Singapore
They charge a joining fee and early redemption fee
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
Standard Chartered Debt Consolidation Plan / Standard Chartered Bank Singapore
Enjoy the convinence of merging debts into one account with a fixed interest rate.
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.
Citi Debt Consolidation Plan / Citibank Singapore
UOB's debt consolidation plan is an effective yet expensive alternative to other plans
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
UOB Debt Consolidation Plan / United Overseas Bank
Offering material savings for those with a significant amount of debt.
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.
DBS Debt Consolidation Plan / DBS Bank
Low interest rates and awesome cash rebates
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.
Maybank Debt Consolidation Plan / Maybank Singapore
HSBC stands out as one of a few lenders that provides details regarding its interest rates
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.
HSBC Debt Consolidation Loan / HSBC Bank Singapore
The habit to save regularly and grow a steady stream of income
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
UOB Stash Savings Account / United Overseas Bank
The best high interest account in the market!
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.
UOB One Account / United Overseas Bank
Make use of your UOB Personal Internet Banking to track your account balances
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.
UOB Passbook Savings Account / United Overseas Bank
Gain great benefits while remitting money abroad
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!
DBS Multi-Currency Account / DBS Bank
Good for new to workforce adult with minimal saving.
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.
DBS eMySavings Account / DBS Bank
A competitive 3% interest rate and $50,000 insurance
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.
Maybank SaveUp Account / Maybank Singapore
The first bank in Southeast Asia to launch Near Field Communication
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.
UOB Debit Card / United Overseas Bank
Enjoy up to 10% off on travel related bookings with participating merchants
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
UOB Direct VISA Debit Card / United Overseas Bank
Transact in multiple currencies without incurring foreign currency exchange fee
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.
KrisFlyer UOB Account / United Overseas Bank
Annual fee waiver triggered with at least 12 MasterCard transactions per calendar year
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.
UOB Lady’s Debit Card / United Overseas Bank
Charging annual fees on a debit card,
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.
UOB Delight Debit Card / United Overseas Bank
Greater control over foreign currency exchange rates that you get
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.
UOB Mighty FX / United Overseas Bank
Generally FWD offers decent coverage for a safe travel destination
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.
FWD Travel Insurance Premium / FWD Singapore
On-line cliams process was very easy and fast
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.
Etiqu ePROTECT travel Basic Plan / Etiqa Insurance
Claims resulting from pre-existing medical conditions while overseas
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
Tiq Travel Insurance / Etiqa Insurance
If you plan to buy travel insurance with Citibank, be prepared to pay a premium
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.
Citi Travel Insurance / Citibank Singapore
A golf advantage cover that provides coverage for damaged or lost golf equipment in your checked luggage
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.
Allianz Travel Protect Single Trip Gold Plan - Standard Chartered / Standard Chartered Bank Singapore
Personal accident cover starts 3 hours before departure with a high medical coverage of up to S$600,000
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
HSBC SmartTraveller (Essential Plan) / HSBC Bank Singapore
UOB UTRADE FX Elite is unregulated
I believe everyone and anyone could be victims of online fraudsters, I lost a whooping $40,000 a month ago to a certain trading company, I couldn’t get a withdrawal and they kept asking me to invest, I was luckily referred to a recovery company by a friend via, tradersrecovery @cash4u. com, because their strategies really helped me to withdraw my money that was stocked in my broker account and I even made more huge profits.... All thanks to them
UTRADE FX Elite / UOB Kay Hian
Configuration options and tools for traders to customize the platform to meet their needs
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.
CMC Markets Forex / CMC Markets Singapore
I keep missing my entry points in trades due to the error message and connection issues
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.
IG Forex / IG Asia
Offers trading of currencies, indices, stocks, futures, options and commodities
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.
KGI Forex / KGI Securities Singapore
The commission is a minimum $1
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%
Maybank Forex / Maybank Kim Eng Securities
Forex Trading services via MetaTrader 4, MT4 Mobile, Oanda Desktop and Web trading platforms
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.
OANDA Forex / OANDA Asia Pacific
Top up your Alipay account and use it both in China and Singapore
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.
AliPay / Alipay Singapore E-Commerce
A robust application built with simplicity and fast payments in mind
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.
Yoyo Wallet / Yoyo Wallet
Instant Peer to Peer Payment
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
Just PayLah! / DBS Bank
Dash all the way from Singapore to Thailand
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.
Dash / Telecom Equipment
The most common and easiest, method for person-to-person payments
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.
WeChat Pay / Tencent Holdings
No refunding from wallet if there is an error in the process of toping up an amount
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
NETSPay / Electronic Transfers Singapore
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ขอคำแนะนำหน่อยและปรึกษาว่าจะต้องดำเนินการยังไง ฉันคิดทบทวนแล้วฉันส่งไหว ทุกวันนี้ปันหาเรื่องเงินรายวันหนักกวา่เงินค่าดอกเบี้ยอาทิตละหมื่นกวา่บาทฉันยังสู้หามาได้เป็นเป็นเดือนๆแค่นี้ฉันหาส่งไหวอยู่แล้ว ฉันอยากเอามาจ่ายค่าเทอมไห้ลูกไวๆวันนี้ได้ยิ่งดี ฉันอยากเห็นความสำเร็จของลูกฉันก็หายเหนื่อย อยากไห้ท่านที่ปรึกษาทุกท่านช่วยเหลือด้วย ฉันไม่ได้ต้องการกู้เงินหลักล้านฉันแค่ต้องการกู้เงินหลักแสนนิดๆได้โปรดช่วยฉันไห้หลุดจากนรกหลุมนี้ด้วย