The following is a list of our most frequently asked questions. Click on a subject heading below to view questions and answers relating to your selection.

SIF Mobile: Getting Started

Q1. What is SIF Mobile?

SIF Mobile is a mobile device app, brought to you by Sing Investments & Finance Limited, to let you enjoy the convenience of opening deposit accounts and perform transactions with your mobile device, at anytime and anywhere. You can enjoy the mobile e-services with the convenience of a digital token, perform FAST funds transfer for free and view your account balances in one single page. SIF Mobile is available for both iOS 9+ and Android OS 5+ version.

Q2. Do I need to pay any fee to download SIF Mobile?

No. You do not need to pay any fee. SIF Mobile can be downloaded at no cost to you.

Q3. Is there any eligibility criteria to signup for SIF Mobile?

Yes. To signup for SIF Mobile, you must be a Singaporean or PR and have a SingPass account to access MyInfo.

Please visit www.singpass.gov.sg and www.singpass.gov.sg/myinfo for more information on SingPass and MyInfo.

Q4. How do I install SIF Mobile on my mobile phone?

You can install SIF Mobile from Google Play Store or Apple App Store by simply searching for SIF Mobile and follow the usual steps for mobile app download and installation.

Q5. If I forgot my Username or Password, what should I do?

You can go to SIF Mobile Login page and tap on Forgot Username/Password? link and lookup your Username or reset your Password using Singpass login.

Q6. How do I change my Password?

You can login to SIF Mobile and select Change Password under Settings menu.

Q7. What is a Digital Token?

A Digital Token, or Mobile Token as we called it, is a soft token residing in SIF Mobile and is activated after a successful first time login and verification of One-Time-Pin (OTP). Similar to a hard token, our Mobile Token supports Two Factor Authentication (2FA) and Transactional Signing security functions.

However, unlike a hard token, our Mobile Token works seamlessly and securely with SIF Mobile to perform 2FA and Transaction Signing in the background without the hassle of keying OTP and Transaction Authorisation Code. And since it resides within SIF Mobile, you can perform online transactions conveniently with just your mobile phone.

Q8. My SIF Mobile Login Account (1FA) is locked. How do I unlock it?

To unlock your login account, please tap on Forgot Password?  link on Login page to reset password and unlock login account using SingPass Authentication.

Q9. My Mobile Token (2FA) is locked. How do I unlock it?

To unlock your Mobile Token, please login to SIF Mobile. If the login is successful, a SMS OTP will be sent to your registered mobile number for you to activate your Mobile Token.

Q10. If I forgot my SIF Mobile PIN, how do I reset it?

You need to activate a new Mobile Token by deleting or uninstalling SIF Mobile from your mobile device and downloading and installing SIF Mobile again. After a successful 1FA login, a SMS OTP will be sent to your registered mobile number for you to register a new Mobile Token. As a part of Mobile Token registration steps, you need to key in a new Mobile Token PIN.

Q11. How many mobile devices can I register for SIF Mobile?

Each Sing Investments & Finance Ltd customer can only register one mobile device for SIF Mobile. When you register a new mobile device for SIF Mobile, the previous mobile device will be deregistered automatically.

Q12. Can I access SIF Mobile overseas?

Yes. SIF Mobile is accessible anywhere as long as you have an Internet connection on your mobile device. As roaming data charges may incur when you are overseas, please check with your service provider for the data charges that may apply.

Q13. What if I am travelling and do not have access to mobile data or WIFI?

SIF Mobile works only when user has internet connection. If you have no access to the Internet, we regret to inform that SIF Mobile cannot be used.

Q14. I lost my mobile phone. What should I do?

We recommend that you initiate a remote wipe operation on your lost mobile phone by following steps provided by the Product Company and contact your Telco immediately to deactivate your existing SIM card. Following that, you may download SIF Mobile on another mobile phone with your new SIM card and login to SIF Mobile to activate your new Mobile Token. Once you have successfully activated your new Mobile Token, your Mobile Token in your lost mobile phone will be deactivated automatically.

If you would like to suspend all online transactions immediately, please login to SIF Online via www.sif.com.sg and click on Lost Your Phone button located at the bottom of the page to Freeze and Lock your online access as well as your transactional accounts.

Q15. How do I terminate SIF Mobile?

Currently there is no option to terminate SIF Mobile online. If you still wish to terminate SIF Mobile, please visit our Branch.

SIF Mobile: App Features

Q1. How do I enable Touch ID/Face 1FA login?

To enable Touch ID/Face ID, first check that your Touch ID/Face ID has already been enabled in your mobile device setting. Once your Touch ID/Face ID has been set up on your mobile device:

1. Login to SIF Mobile

2. Tap on Settings from the menu followed by Touch ID/Face ID

3. Slide the grey button to the right to enable Touch ID/Face ID

Q2. How do I update my personal particulars including mobile number and email address?

To change particulars:

1. Login to SIF Mobile

2. Tap on Settings from the menu followed by Change Particulars

3. A list of your particulars will be displayed. Edit any of your particulars and tap Submit

4. Your particulars are updated instantly

Q3. I forgot my SingPass password. What should I do?

Please visit SingPass website to reset your SingPass password.

Q4. I am experiencing a connection issue. How can I resolve it?

In case of connection issue during mobile app usage, please logout and try again after some time. If the issue still persists, please tap on Contact Us icon and email us or call our Customer Service Hotline at 6438 7060 for assistance.

Q5. I have received a notification from SIF stating that I have performed a transaction but I didn't. I would like to report this.

You should immediately call us at 6438 7060 or visit any of our Branches to report the unauthorised transaction. You may be advised to lodge a police report to facilitate the investigation.

Q6. I have accidentally freeze/lock my mobile device. How can I unfreeze/unlock my mobile device?

You need to be physically present at any of the Branches and signed a consent form to unfreeze/unlock your mobile device.

SIF Mobile: Deposit Enquiries

Q1. Can I place Fixed Deposit online?

Yes. You may transfer funds from your Savings Account to place Fixed Deposit online.

Q2. Can I open a Savings Account online?

Yes. You may apply online with SIF Mobile using MyInfo.

Q3. When can I start to use the Savings Account after opening online?

You can start to use the account once you received SMS notification from us that the account is activated.

Q4. Can I do FAST transfer?

Yes. FAST transfer to Other Bank option is available.

Q5. Can I do a FAST transfer to my Giro-Saver Account?

No. Crediting of funds to Giro-Saver Account is only through GIRO.

Q6. Is there any charges for transfer of funds to other bank?

No. There is no fee charged for funds transfer.

Q7. Can I view my existing fund transfer arrangements on SIF Mobile?

Yes. You may view it under Manage Scheduled Transfer option.

Q8. How do I change my transfer limit?

Go to Change Limit option under Settings to change your transfer limit.

Q9. How do I check my account balance/transactions history?

Go to Account Summary and select the account to view transaction history.

Q10. I have transferred an incorrect amount to the recipient. What should I do?

Please contact the recipient directly for refund. Alternatively, you may complete the Funds Transfer Recall Request Form for us to inform the recipient FI of the erroneous transaction. We will update you once the recipient FI inform us of the recipient’s response. You then need to assess if you should make a police report about the erroneous transaction based on the information and recipient’s response.

Q11. I have transferred funds to the wrong recipient account. What should I do?

Please contact the recipient directly for refund. Alternatively, you may complete the Funds Transfer Recall Request Form for us to inform the recipient FI of the erroneous transaction. We will update you once the recipient FI inform us of the recipient’s response. You then need to assess if you should make a police report about the erroneous transaction based on the information and recipient’s response.

SIF Mobile: Loan Enquiries

Q1. Can I apply for a loan through SIF Mobile?

No, SIF Mobile does not perform application for loan. Please go to the app’s Contact Us button and send us a request via email or call our Customer Service Hotline at 6438 7060 for assistance.

Q2. Is it safe to check the status of my loan(s) via SIF Mobile?

Yes it is safe. SIF Mobile utilises a secure 2FA login and is protected with enhanced encryption to ensure you can authenticate your transactions safely.

Q3. How can I view all my loans with Sing Investments & Finance Ltd?

You can login to SIF Mobile and it brings you straight to the Account Summary tab. The Account Summary page reflects all your existing loan accounts with Sing Investments & Finance Ltd. Tap on each individual loan account for more details.

Q4. How can I view my loan account details?

To view the loan account details, you can tap on the loan accounts listed on the loans list under the Account Summary tab. Then you will see the account details of the loan you selected.

Q5. Can I view my loan transactions history?

Transactions history is not available for loans. But you can view transaction history for deposits if you have deposit account with Sing Investments & Finance Ltd.

Q6. What it meant by "Instalment/Interest amount" in my loan account details tab?

Depending on the types of loan you have with Sing Investments & Finance Ltd, it refers to either instalment or monthly interest amount is due for payment.

Q7. Is the amount under "Total Amount Overdue" inclusive of the instalment and interest amount?

Yes. The Total Amount Overdue is inclusive of the monthly Instalment and or interest amount and sundry charges, if applicable.

Q8. Can I view my statements in SIF Mobile?

Yes. You can view and download the last two years statements from the app.

Q9. I am travelling overseas. Can I view my account summary page and status of my loan(s) while overseas?

Yes. SIF Mobile is accessible anywhere as long as you have a secured internet connection on your mobile device. As roaming data charges may incur when you are overseas, please check with your service provider for the data charges that may apply.

Q10. Can I pay my monthly instalments through SIF Mobile?

You are required to open a Savings Account and set up a Standing Instruction for SIF to debit your said account to service your monthly instalment.

General

Q1. How do I pay my monthly instalment?

You may choose to pay your monthly instalment via the following options:

i) GIRO

Please complete the GIRO application form and mail the form to us. Please note that the original copy of the form is required for us to process your application.

You may mail your application form to:

Credit Operations Department
Sing Investments & Finance Limited
96 Robinson Road #01-01 SIF Building Singapore 068899

Please note that GIRO application will take about 1 month to process, from the date the application form is received by us. Upon approval of GIRO arrangement, you will be notified in writing through a letter which will be mailed to the residential address you have provided us. Please continue to make payment until your GIRO is in effect.

ii) Cheque

You may send us a cheque payable to Sing Investments & Finance Limited at:

Credit Operations Department
Sing Investments & Finance Limited
96 Robinson Road #01-01 SIF Building Singapore 068899

Please write your loan account number and your contact details at the back of the cheque.

iii) AXS e-Station

You may pay through AXS online platform (http://www.axs.com.sg/axsEstation.php) through the following navigations:

Pay online now > Loans (under Bills Payment) > Sing Investments & Finance Limited

Please enter the required fields and follow the instructions prompted.

iv) AXS m-Station

You may pay through AXS mobile app, which is available for download at your respective app stores.

v) AXS Station

You can pay your bills at any AXS stations located island wide.

vi) CPF

You may make arrangements to service your monthly instalment through CPF (for residential property loans).

vii) SIF Branches

You may make payment at any of our branches. Please refer to the locations of our branches here

Housing Loan

Q1. What is SIF's Housing Loan?

SIF’s housing loan is a loan that allows you to finance purchase of a private residential property which may be completed or under construction. It also allows you to refinance your existing housing loan.

Q2. Can I make a partial or full repayment in advance?

Yes, you may make a partial or full repayment of your home loan. However, before you proceed, please refer to the Redemption Notice in your Facility Letter for any early repayment charges which may be levied.

Q3. How do I know whether my loan is within the penalty period for repayment?

You may refer to the Redemption Notice in your Facility Letter for the penalty period.

HDB Loan

Q1. What is SIF's HDB Loan?

SIF’s HDB loan is a loan that allows you to finance purchase of a Housing Development Board (HDB) residential property. It also allows you to refinance your existing HDB loan.

Q2. What is a bridging loan?

It is a loan that enables you to fund your down payment to purchase a new residential property while waiting for sales proceeds from your existing property that you have sold.

Car Loan

Q1. Should my car loan be signed under Common Law or Hire Purchase Act agreement?

If the purchase price (excluding COE and discounts) is $55,000 and below, the terms and conditions of your car loan will be governed under Hire Purchase Act.

Q2. Can i make a partial redemption?

No, partial redemption is not allowed. However, you may choose to opt for early settlement. Please note that we will require a notice of 7 business days for early settlement. Otherwise, an interest in lieu charge will be imposed.

Q3. How long may I take a car loan

The maximum tenure for a car loan is 7 years. However, if you have entered into a hire purchase agreement for the same car and this is a subsequent hire purchase, the total tenure of the first and subsequent hire purchase agreements cannot exceed 7 years.

Q4. What happens if I am late in paying my monthly instalment

Late payment will lead to overdue interest, and the interest will continue to accrue until the date when you make your payment.