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.
A Beginner’s Guide on How to Apply for a Credit Card2021.04.29
Top 5 Useful Tips That You May Not Know About How to Choose The Best Credit Cards For You2021.04.29
Explore the 5 Tips & Tricks to Use Your Credit Card2021.04.29
Best Shopping Credit Cards in Singapore2021.04.29
Best Travel Rewards Credit Cards2021.04.29
Apply for a DBS Black Card: Not Just for Crazy Rich Asians!2021.04.29
What is the Process to Receive a Personal Loan?2021.04.29
What Documents Do You Need To Get a Personal Loan?2021.04.29
8 Mistakes to Avoid When Taking Out a Personal Loan2021.04.29
5 Reasons Why Your Personal Loan Application Is Rejected2021.04.29
How to Repay Your Personal Loan2021.04.29
Which Home Loan Interest Rate Is Best For Me?2021.04.29
7 Types of Health Insurances in Singapore2021.04.29
Best Insurance Policies for Families2021.04.29
5 Most Important Insurance Policies in SingaporeDisability Insurance2021.04.29
The Best Pet Insurance in Singapore - Guide to Buying Pet Insurance2021.04.29
Understanding The Best Life Insurance in Singapore2021.04.29
Why You Need an Emergency Fund Now and How to Build One2021.04.29
Should You Use a Debit Card2021.04.29
What bank offers the best savings interest rates in Singapore?2021.04.29
The Importance of Managing Money | Top 10 Tips to Manage Your Checking Account2021.04.29
Beginner's Guide to Managing Your Money2021.04.29
When Two Become One: Should You Open a Joint Account After Getting Married?2021.04.29
Top 8 Suggestions Why You Need More Than One Account: Is it okay to have multiple bank accounts?2021.04.29
4 of the Best Coupon, Discounts, and Deal Sites in Singapore2021.09.16
How Much Should I Save Every Year Until Retirement?2021.09.11
TIPS WHEN PLANNING FINANCES IN SINGAPORE WITH YOUR COUPLE2021.04.29
The 10 Most Essential Money Lessons You Need to Teach Your Child2021.04.29
How to Handle Unexpected Expenses - On My Way To Deal This2021.04.29
11 Tips to Save Money When Traveling2021.04.29
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?
What is the best unlimited mobile data plan in Singapore?
What is the cheapest sim only plan in Singapore that provides data, calls and SMS?
Are there free sim plans in Singapore?
What is the safest bank to apply for a Credit Card?
How do I block my credit card?
What shpuld I do in case I accidentally damaged my credit card?
Would getting a loan to pay delinquent accounts raise my credit score?
Is it possible to negotiate a recuded payment plan from a company whcih I am in debt to?
I need my car back!! How do I reposses it ASAP
What are the types of insurance?
Can my doctor charge me for co-pay even if I've already reached my out-of-money maximum?
What is a Personal Accident Insurance?
Who is/are eligible for a Personal Accident Insurance?
Can people be declined of the personal accident insurance based on his/her occupation?
Would there be a possibility that I may be convicted and sentenced to jail if I was to fail paying my Insurance?
Can creditors sue me for debts if I file for bankruptcy?
I'm currently in a lot of debt. and I need it to stop
What should I do with my debt to a loan shark?
I have a debt and charged me with high interest rate, what should I do?
I am called to pay my debt earlier than the agreed time.
What happens after one has declared bankruptcy?
If I was to file for bankruptcy would that mean for my bank account that is currently linked to all my billing accounts?
I need to maintain my medicines.
Can I use my savings for my maintenance medicine?
May I lend my money from savings in the bank through online transaction?
How can a disabled person have a savings account?
May I use the savings of my brother to pay a repossessed item?
Am I eligible to file for a bankruptcy?
Which among my properties would b sold to the bankrupt estate and could I use it to pay off my target contributions?
Who would manage my bankruptcy estate and who decides my target contributions?
What are the benefits of filing for bankrutpcy?
Should I voluntarily file for bankruptcy or should I wat for a creditor to di it?
What rules should I keep in mind when filing for bankruptcy?
Should I make a mobile app for my business?
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?
How do I legally register my business?
What are the types of companies in Singapore?
Shopped online and I've been receiving goods that have been damaged, how do I return these?
I damaged somthing at the mall but I didn't mean it.
Wrong punching of product in a store
Where can I find a company with higher rebates when I do online shopping?
Can I borrow money for the things I want to buy in the mall?
I have a friend that has a hearing disability with ID, can she avail discounts when he travel across country?
I have a kidney stones surgery ahead, can I use my credit card for the pay.
I got into a motorcycle accident and had to admit but I don't have emergency money.
What are the symptoms for having dengue?
What benefits can I avail with my Person With Disabilty (PWD) card?
How long will be an outpatient?
What should I do before my 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've been fraud with this so called agency. Help me!!
I paid for to a travel agency and it turns out to be a fraud.
Can I claim a compensation if my luggage has been damaged?
What are travel agencies in Singapore that I could mainly trust?
Can an outpatient travel after 3 days of surgery?
I find it harder to trust, will I be able to trust again?
Who should be my guarantor?
My neighbor is causing excessive noise 'til midnight.
We have a neighbor that causes damages to others' properties.
What if one fails to pay installments?
Is contract & agreement applicable even to a small business?
Can I get my pension advance?
I need a maintenance for my diabetes.
I am a retired school security guard and diagnosed with a cancer, is there any help that I could get from my former workplace?
Can a pension help me from being bankcrupt?
I need a surgery as soon as possible
My father loaned from the loan sharks after retirement.
What are the high paying jobs in Singapore?
What are the best universities in Singapore?
What are the best courses to take in Singapore?
I've been very worried about my grades and I don't want to be caught letting other people copy of my work
Lacking money to enroll this year please send help
We don't have money for education.
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.
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.
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.
Quick Cash has the lowest published interest rates on the market and no processing fees
Citi Personal Loans / Citibank Singapore
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
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.
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.
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.
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
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.
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