{"id":2614,"date":"2020-06-08T02:06:11","date_gmt":"2020-06-08T02:06:11","guid":{"rendered":"https:\/\/www.one-visa.com\/?page_id=2614"},"modified":"2026-01-12T21:39:15","modified_gmt":"2026-01-12T13:39:15","slug":"%e6%96%b0%e5%8a%a0%e5%9d%a1%e9%93%b6%e8%a1%8c%e7%b3%bb%e7%bb%9f","status":"publish","type":"page","link":"https:\/\/www.one-visa.com\/zh\/singapore-visa-resources\/bank-system-in-singapore\/","title":{"rendered":"\u65b0\u52a0\u5761\u7684\u94f6\u884c\u7cfb\u7edf"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2614\" class=\"elementor elementor-2614\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe3d4e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe3d4e9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff06509\" data-id=\"ff06509\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0820eb2 elementor-widget elementor-widget-heading\" data-id=\"0820eb2\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"top\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Bank System in Singapore<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd60d8 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"4fd60d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8dc1d9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8dc1d9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ac829e2\" data-id=\"ac829e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-051f5d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"051f5d7\" data-element_type=\"section\" data-e-type=\"section\" id=\"sticky-sidebar\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f44d7de\" data-id=\"f44d7de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88c3583 elementor-widget elementor-widget-heading\" data-id=\"88c3583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bank System in Singapore<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6edf79 elementor-widget elementor-widget-heading\" data-id=\"b6edf79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quick Links<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41fb4af elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"41fb4af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#id1\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Features and Trends of Banking in Singapore<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#id2\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Types of Banks in Singapore<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#id3\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Facts Foreigners Should Know About Banks in Singapore<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#id4\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bank Account and Other Services for Foreign Company<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b768ec7\" data-id=\"b768ec7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44a3b09 elementor-widget elementor-widget-text-editor\" data-id=\"44a3b09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Being dubbed the \u201cSwitzerland of Asia\u201d, Singapore is a powerful banking hub that caters for not only domestic finances but also a monetary activity of the whole Asia-Pacific. Being heartened by the country\u2019s stable political and\u00a0<a href=\"https:\/\/www.one-visa.com\/singapore-economy\">economic climate<\/a>, effective legislation and\u00a0<a href=\"https:\/\/www.one-visa.com\/taxing-in-singapore\">taxation<\/a>, law enforcement against fraud and money crimes, Singaporean banking system is among the most competitive in the world. Embracing over 117 overseas banks and 6 local establishments, Singapore is Asia\u2019s third-biggest Financial Centre (after Hong Kong and Japan) that offers various services from consumer credits to investment operations and insurance.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5234cc elementor-widget elementor-widget-text-editor\" data-id=\"f5234cc\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"1\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a name=\"id1\"><\/a>\n<h4><b>Features and Trends of Banking in Singapore<\/b><\/h4>\n<ul>\n \t<li><strong>The dominance of foreign banks<\/strong>\u00a0drew Singapore into the global banking scene making it a major competitive player. Constant competition on the local banking arena inspired the development of unique financial products and set conducive pricing policy. Merging helps local banks to make their way to the regional scene. After 6 local banking groups consolidated into 3 (UOB, DBS, OCBC), it resulted in expanding their activities and capabilities and turning into \u201cone-stop\u201d banks that are able to satisfy every possible financial need.<\/li>\n \t<li><strong>Liberalisation in banking sector<\/strong>\u00a0made in 1999 resulted in issuing full banking licenses to overseas banks, giving offshore banks more freedom in SGD wholesale operations, reconsidering corporate governance, lifting the limit of foreign shareholding in local banks, and re-classification of restricted banks and allowing them to wholesale operations.<\/li>\n \t<li>Singapore turned into a\u00a0competitive investment hub\u00a0due to intense government\u2019s efforts, establishing approved bonds, and success of Singapore Exchange that lured hordes of foreign companies. Investment banks cater for the investors\u2019 needs through underwriting, mediating between the issuer and investor, and corporate re-organisation services (mergers, acquisitions, and so on).<\/li>\n \t<li>Deviating from the consumer banking and developing smarter corporate banking services increased influence of many Singaporean trend-making banks.<\/li>\n \t<li>Rigorous secrecy laws (Banking Act, section 47) and tailor-made private-banking services attracted crowds of wealthy personalities to Singaporean banks. Swiss UBS and Credit Suisse Group worked as magnets for big money from Asia and Europe. Singapore is among the few financial offshore centres that haven\u2019t signed the EU Tax Directive (2005) that would oblige Singapore to disclose some private information about its foreign depositors\/investors. For such faithfulness to the interests of its clients, Singapore got its nickname \u201cthe Switzerland of Asia\u201d. High-net-worth personalities who entrusted Singapore with their money are offered lots of advanced wealth management services here: tax\/state planning, protection of assets, investment strategizing, credits, lifestyle\/wealth advisory, and so on.<\/li>\n \t<li><strong>Attention to the SME sector<\/strong>\u00a0helped Singaporean banks win the repute of reliable business partners. Small to medium businesses in Singapore have access to premium bespoke financial, insurance, investment and loan products as well as to management and trade services. The government meets SMEs halfway offering them comfortable schemes for expanding and upgrading their financial operations.<\/li>\n \t<li><strong>Singapore frees you from paying the\u00a0<\/strong>deposit and capital gain taxes\u00a0from incomes earned abroad.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e49e3 elementor-widget elementor-widget-text-editor\" data-id=\"45e49e3\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"2\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a name=\"id2\"><\/a><\/p><h4><b>Types of Banks in Singapore<\/b><\/h4><p>Depending on the key clients we can roughly divide all banks into 3 groups:<\/p><ul><li>commercial banks (serving corporations);<\/li><li>consumer banks (serving both local and foreign average individuals);<\/li><li>private banks (serving high-net-worth individuals).<\/li><\/ul><p>Depending on localisation and specialisation, all Singapore-based banks can be classified this way:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-adbd770 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"adbd770\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b2b6102\" data-id=\"b2b6102\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c57f3bb elementor-widget elementor-widget-heading\" data-id=\"c57f3bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Local Banks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfdb6ab elementor-widget elementor-widget-heading\" data-id=\"bfdb6ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">(there are 6 banks in total, but we will overview 3 flagship banking groups):\u200b\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e30b0d2 elementor-widget elementor-widget-text-editor\" data-id=\"e30b0d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>United Overseas Bank<\/strong>\u00a0(UOB), one of Asia-Pacific\u2019s leaders, operates since 1935 holding assets worth over 180 billion SGD. Dubbed as the Singapore\u2019s \u201cBest Overall Fund Group\u201d.<\/p><p><strong>Development Bank of Singapore<\/strong>\u00a0(DBS) is the country\u2019s biggest consumer bank dominating not only in SG but also in Hong Kong and serving over 4 and 1 million consumers accordingly. Having over 80 branches all over Singapore, back in 2008, DBS was the 14th among 200 Asia\u2019s banks (according to the ranking by Banker).<\/p><p><strong>Oversea-Chinese Banking Corporation<\/strong>\u00a0(OCBC) operates since 1912 boasting assets worth over 190 billion SGD. In 2008, it was acclaimed as the best regional bank by the Asia Risk End-User Research.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e613ad8\" data-id=\"e613ad8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8d985f elementor-widget elementor-widget-heading\" data-id=\"f8d985f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overseas Banks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f55b38 elementor-widget elementor-widget-heading\" data-id=\"3f55b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> (117 in total) can be divided into such categories:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2064307 elementor-widget elementor-widget-text-editor\" data-id=\"2064307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Full Banks<\/strong>\u00a0\u2013 one-stop establishments providing all possible sorts of banking services to both corporate clients and individuals. The best are Citibank, HSBC, Standard Chartered, BNP Paribas, and Maybank.<\/p><p><strong>Offshore Banks<\/strong>\u00a0\u2013 are branches\/subsidiaries of Asian overseas banks that can transact their banking activity using overseas currency units. SGD operations are transacted through the Domestic Banking unit, but they are slightly limited in comparison with wholesale banks. Examples of offshore banks are Korea Development Bank, Bank of New Zealand, Bank of Taiwan, and so on.<\/p><p><strong>Wholesale Banks<\/strong>\u00a0\u2013 are branches of overseas banks that provide all kinds of banking services, but aren\u2019t allowed to the SGD retail activity sphere. Examples are National Australia Bank, Deutsche Bank, or ING Bank.<\/p><p><strong>Merchant Banks<\/strong>\u00a0\u2013 cater to the corporate bodies\u2019 needs through managing corporate finances, underwriting (subscription to bonds and shares for further offering them to investors), investment strategising, mergers of companies and other business\/investment related services. Merchant banks work with different Asian currency units, but in case with Domestic Banking Unit, these banks can borrow or accept deposits only from banks, financial establishments or corporate bodies run by shareholders. Examples of such banks are Barclays Merchant Bank Singapore Ltd or Credit Suisse Singapore Ltd.<\/p><p><strong>Financial Companies<\/strong>\u00a0are licensed institutions authorised to give or extend loans for buying cars or real estate. They have restrictions in accepting deposits and aren\u2019t recommended to give unsecured loans worth over 5k SGD or handle transactions in foreign currency, precious metals, or stock in foreign currency (exceptions can be made for companies with paid-up capital of over 10 million SGD). There are only 3 financial companies in SG: Singapura Finance Ltd, Hong Leong Finance Limited, and Sing Investments and Finance Limited.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd9274 elementor-widget elementor-widget-text-editor\" data-id=\"9dd9274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Bank Legislation<\/strong><\/h5><ul><li>The authority that governs the banking sector \u2013 the Monetary Authority of Singapore \u2013 defines the country\u2019s financial policy, manages banks\/financial establishments, and issues local currency \u2013 the Singaporean Dollar. The banking sector is governed by relevant Acts, common law, and equity rules:<\/li><\/ul><h5><strong>Banking Act<\/strong><\/h5><ul><li>Banking Act is the main legal document that outlines the country\u2019s banking principles and allowed banking activities (non-financial activities are banned from 2001);<\/li><li>Securities and Futures Act;<\/li><li>Regulations against money laundering;<\/li><li>Financial Advisors Act.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1740ec elementor-widget elementor-widget-text-editor\" data-id=\"d1740ec\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"3\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a name=\"id3\"><\/a><\/p><h4><b>Facts Foreigners Should Know About Banks in Singapore<br \/><\/b><\/h4><ul><li>Foreign individuals\u00a0working in Singapore\u00a0on\u00a0working visas\u00a0can benefit from advanced local banking services such as internet banking, multi-currency accounts, and credit cards. It is wise to choose an international bank that is working in your home country: it eases transferring money overseas. But still choose the bank that caters to your \u201cSingaporean\u201d needs and has lots of ATMs in the location you work and live in (DBS is the leader for ATM locations in Singapore).<\/li><li>English is Singapore\u2019s administrative language, so foreigners usually face no difficulties while managing their finances using Singapore-based banks.<\/li><li>Some banks (like, for example, DBS or UOB) offer expat packages \u2013 a set of services that cater to the needs of foreigners temporarily working in Singapore. Such package supports transactions between SGD and wide range of foreign currency units, remittance services, and NETS cashless payment system.<\/li><li>Since transferring money to the home country is one of the major ways how expats use banking in Singapore, you should know that all banks impose their fee for such transferring. The fee varies from bank to bank, but you have an opportunity to stamp it out. For example, if you have Citibank\u2019s accounts both in Singapore and in your home country, the transaction fee would be only 10 SGD or even 0 SGD if you participate in their Citigold system.<\/li><li>To open a local bank account (current or savings), an overseas expat needs to provide the copy of his\/her passport and\u00a0working visa\u00a0as well as to have funds for a minimum deposit. The procedure usually takes a single day. After the account is set, the foreigner gets the ATM card and a security ring for a safe Internet banking.<\/li><li>Keep in mind that some banks require you to maintain a standard amount on your account, and failing to follow this rule may result in being imposed additional monthly costs or even closing the account. This minimum amount varies from bank to bank.<\/li><li>Trustworthy foreigners looking for buying\u00a0property\u00a0(condo) in Singapore can expect to get a loan from the bank if they are able to afford the 20% of the down payment. However, such service isn\u2019t guaranteed.<\/li><li>Obtaining a credit card can be challenging for some foreigners, as despite such option is advertised, it is not guaranteed. Your annual income must satisfy the bank\u2019s criteria.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf4f825 elementor-widget elementor-widget-text-editor\" data-id=\"bf4f825\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"4\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a name=\"id4\"><\/a><\/p><h4><b>Bank Account and Other Services for Foreign Company<\/b><\/h4><ul><li>Newly\u00a0incorporated foreign companies\u00a0can open bank accounts and enjoy hassle-free money transferring between countries. Before choosing the bank, compare its account\u2019s features with the same services offered by other banks in order to find the most comfortable solution for your business.<\/li><li>Most Singaporean banks require new company\u2019s directors (or other empowered signatories) to be present in the country for signing bank account documentation. Some banks that have branches in the country where the directors reside can accept documents in this foreign office. Please ask about the \u201cpresence\u201d requirement of the bank you have chosen. Nevertheless, keep in mind that physical presence helps to avoid any delays and shortens the procedure.<\/li><li>The fee for opening the SGD account varies from bank to bank (from 50 SGD in Standard Chartered Bank or OCBC to 150 SGD for some kinds of bank account services in HSBC). The fee may depend on the type of the company\u2019s legal entity and the sector of its activity. Foreign currency accounts are also supported by major Singaporean banks.<\/li><li>Initial deposit is mandatory and its amount varies from bank to bank (30k SGD\/30k USD in Standard Chartered or 300k SGD\/100k USD in HSBC). Citibank doesn\u2019t require the initial deposit in foreign currency. Local banks have much lower benchmarks: from 1k SGD\/1k USD in UOB to 8k SGD\/1k USD in DBS.<\/li><li>The service of the ATM card in SGD is provided not by all banks (for example, HSBC issues it while Standard Chartered and Citibank don\u2019t). The daily limit is also applicable. ATM cards in foreign currency aren\u2019t available.<\/li><li>Cheque books in SGD are provided by all banks. Obtain more accurate information about USD cheque books from the considered bank.<\/li><li>When it comes to credit cards, banks usually have a custom solution for every corporate client both for local and foreign currency. For example, Standard Chartered and OCBC support only debit cards; Citibank, DBS, UOB, or HSBC do issue credit cards (both local and foreign currency) but under specific conditions.<\/li><li>Internet banking with local and foreign payments is available in all banks but under bespoke conditions.<\/li><li><b>Necessary documents that must be submitted are:<\/b><\/li><\/ul><ol><li>Completed forms for opening a corporate bank account signed by directors\/signatories;<\/li><li>Resolution issued on the board of directors that sanctions opening of such account;<\/li><li>Certified copy of the above-mentioned resolution (some banks can offer you their own form for signing);<\/li><li>Certified copy of the incorporation certificate (signed by the director and the secretary);<\/li><li>Certified copy of the firm\u2019s business profile (from ACRA) \u2013 signed by the director and the secretary;<\/li><li>Certified copy of the M&amp;A signed by the director and the secretary;<\/li><li>Certified copies of passports\/Singapore ICs of the directors\/signatories.<\/li><\/ol><ul><li>Banks consider giving business loans to companies under certain conditions such as firm\u2019s track record, a number of employees, share capital, and so on.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0909bec elementor-widget elementor-widget-text-editor\" data-id=\"0909bec\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"5\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banking in Singapore has lots of other benefits that weren\u2019t described in this guide but still are answers to someone\u2019s financial need. Whether you run a company with ambitions to grow or\u00a0work in Singapore\u00a0in order to support your family overseas, Singapore\u2019s local and international banks will overwhelm you with high-end and reliable services and won\u2019t disappoint in quality.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c1c0d07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c1c0d07\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d757e5\" data-id=\"1d757e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap 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jQuery(window).on('scroll',handleScroll);\r\n}\r\nscrollMenu();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bank System in Singapore Bank System in Singapore Quick Links Features and Trends of Banking in Singapore Types of Banks in Singapore Facts Foreigners Should Know About Banks in Singapore Bank Account and Other Services for Foreign Company Being dubbed the \u201cSwitzerland of Asia\u201d, Singapore is a powerful banking hub that caters for not only [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":2602,"parent":1286,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2614","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - 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