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If you’re moving to Singapore or starting a new job here, one of the first things you’ll need is a local bank account.I’ve just been through the process myself.So I’m going to break down exactly how to open a bank account in Singapore.I’ll keep it simple, like I’m telling a friend.Let’s go.
Why You Need a Bank Account in Singapore
You can’t really live here without one.Your employer needs it to pay your salary.
You’ll need it to pay rent, utilities, and your phone bills.Cash isn’t king here.
Everyone uses PayNow, FAST transfers, and cards.
Which Bank Should You Choose?
Singapore has three big local banks: DBS, OCBC, and UOB.All are safe, fast, and very digital.
But they feel a bit different.Here’s a quick table to show the vibe:
What You Need to Open Bank Account in Singapore
- Passport (for foreigners)
- Employment Pass / Student Pass / Dependent Pass
- Proof of address (like a rental agreement or bill)
- Your phone (you need it to set up mobile banking)
- Some banks might ask for your work contract by
That’s it.No need to panic about stacks of papers.
How to Open Bank Account in Singapore with DBS
1. Go to the DBS website or app.
2. Choose “Open Account”.
3. If you have Singpass (Singapore’s digital ID), it’s super quick.
4. Fill in your personal details.
5. Upload your documents (passport, pass, proof of address).
6. Take a quick selfie for verification.
7. Submit and wait. Usually takes 1–2 days.
8. Once approved, you’ll get a digital card immediately.
9. Your physical debit card arrives in the mail in 5–7 days.
Tip: Use the DBS digibank app. It’s crazy easy and fast.
How to Open Bank Account Singapore with OCBC
1. Download the OCBC Digital app.
2. Click “Open a New Account”.
3. Again, Singpass makes it even faster.
4. Choose the type of account (360 Account is popular).
5. Upload your documents.
6. Do a quick online ID check.
7. Done. Approval can be instant or take 1–2 working days.
Tip: OCBC’s app feels a little more “traditional” than DBS, but it’s still smooth.
How to Open Bank Account Singapore with UOB
1. Head to UOB’s Mighty app.
2. Select “Open an Account”.
3. Follow the same flow: Singpass login, upload documents, selfie.
4. Choose an account like UOB One Account (good interest if you credit your salary).
5. Finish up and wait for approval.
Tip:If you like credit card rewards, UOB gives good bundles when you open an account.
What Happens After Opening?
- You can start using online banking right away.
- Link PayNow to your mobile number (super important in Singapore).
- Add your card to Apple Pay or Google Pay.
- Set up notifications for spending alerts.
Everything moves fast here.Within a few days, you’ll be ready to pay rent, order food, shop, and move around the city like a local.
Final Tips to Open Bank Account Singapore Smoothly
- Always check if your visa/work pass is active first.
- Have a local phone number ready.
- Use Singpass if you have it – it saves a ton of time.
- Go for the bank with the app interface you like most.
- Don’t overthink — DBS is usually the fastest if you’re in a hurry.
First Thing First
Opening a bank account in Singapore is actually way easier than it sounds.If you have your documents ready, it can take less than 10 minutes online.Choose DBS, OCBC, or UOB based on what matters to you — speed, savings, or perks.
Get your account, get your debit card, link PayNow, and you’re all set!
