FAQs

Yes, SIF BIZ is available 24/7. However, some transactions may be subject to processing hours.

Currently, there is no charge for customer onboarding or recurring subscription fee on SIF BIZ. Hence, SIF BIZ Mobile can be downloaded at no cost to you.

Yes, you can access SIF BIZ via the SIF BIZ Mobile app. You can download the SIF BIZ Mobile app from the App Store (Apple) or Google Play (Android).

No, your SIF BIZ access will not be suspended.

We recommend Chrome and Firefox for optimal browsing.

Yes. SIF BIZ Online is accessible anywhere as long as you have an Internet connection.

You will be able to view your loan account details, balances and transaction history. You can also view statement of accounts and perform redemption inquiry for Block Discounting and Floor Stock facilities.

As a security measure, right click has been disabled on SIF BIZ Online. For Printing, press “Control + P” keys to get the print dialogue or use the Print option in the browser menu. If the page does not fit fully in the print preview, please adjust the page’s zoom level to the required size of the printing.

SIF BIZ Mobile App is available to business customers who have access to SIF BIZ Online in Singapore.

If your company has yet to sign up for SIF BIZ, please complete the SIF BIZ Application Form and mail it back to us.

SIF BIZ Mobile app was developed for:

– Android 5.0 (Lollipop) and above only

– iOS version 9 and above only

A Digital Token, or Mobile Token as we call it, is a soft token residing in SIF BIZ 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 BIZ 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 BIZ Mobile, you can perform online transactions conveniently with just your mobile phone.

You can use the digital token just like any physical token. In other words, use it as a smartphone app to generate the login code and during transaction approval.

Digital token can be used on either smartphones or tablets for both iOS and Android.

Your Organisation ID and User ID are the same as the ones used for the web version of SIF BIZ Online. Your login credentials will be issued to you in the SIF Welcome Letter.

Yes, you can. We recommend that you do a first-time login via SIF BIZ Mobile app to enable your SIF Mobile digital token for future logins on desktop and/or mobile.

You will be able to view your loan account details, balances and transaction history. You can also perform redemption inquiry for Block Discounting and Floor Stock facilities.

Yes. SIF BIZ 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.

Yes, you are able to reset your password via the mobile app.

Currently, our app is only available in English.

No, SIF BIZ Mobile will not be automatically deregistered. You can download the SIF BIZ Maintenance Form and mail the completed form to us to deregister the SIF BIZ Mobile.

Any entity that has a business account with SIF is eligible to apply for SIF BIZ.

Please contact any of our branches for more information.

You may click here to download the application form. Please send the completed and signed form and the supporting documents to 96 Robinson Road #01-01 Singapore 068899.

Please contact your Relationship Manager or call our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

SIF will process your application within 10 business days upon receipt of the application form and complete set of documents.

SIF will send a “Welcome Email” to the email address as indicated in your SIF BIZ Application Form to inform you that your application for SIF BIZ Online has been successful. A password-protected Welcome Letter which contains your log in credentials will also be attached in the email. Please ensure that the email address provided in the application form is correct.

Please call our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) if you did not receive the Welcome Letter within 14 business days upon submission of this application form and documents.

No. Currently we can only send SMS notification (for account activation, password reset and digital token registration/activation) to the mobile number registered in Singapore.

Once your application for SIF BIZ Online is successful, you are automatically registered for SIF BIZ Mobile. To start using the SIF BIZ Mobile, simply download and install the SIF BIZ Mobile app via the Google Play Store for Android and App Store for iOS.

Make sure you have your Welcome Letter which contains your log in credentials on hand before logging in for the first time.
1) Download SIF BIZ Mobile app from App Store (Apple) or Play Store (Android).
2) Open SIF BIZ Mobile app on your mobile and select “LOGIN” button to start the log in process.
3) Select “First Time User?”.
4) Enter your Organisation ID, User ID and Email ID. Then select “SUBMIT”.
5) Enter your “Email Activation Code” sent to your email ID.
6) Enter your “SMS Activation Password” sent to your mobile device via SMS. Then select “SUBMIT”.
7) Set your preferred 6-digit “Mobile Token PIN” and then select “NEXT” to re-enter your PIN for confirmation.
8) Enter your preferred log in “Password” for SIF BIZ Mobile and SIF BIZ Online. Then select “SUBMIT”.
9) A confirmation email will be sent to your registered Email ID once you have successfully completed your activation.

Once you have successfully changed your password, select “LOGIN” to start your online services with Sing Investments & Finance Limited.

For subsequent logins, go to https://www.sif.com.sg/

1) Enter your Organisation ID, User ID and Password in the relevant fields and click “PROCEED TO LOG IN”.
2) To enter the Security Code, open the SIF BIZ Mobile app, select “MOBILE TOKEN”. Select “Mobile Token for Login”.
3) Enter your 6-digit Mobile Token PIN and then select “NEXT”.
4) Enter the generated Security Code in the SIF BIZ Online 2FA Screen and click “SUBMIT” to proceed with login.

You can click on the icon  ⋮  found on the top right corner of the screen or simply select “Logout” on the bottom left corner of the menu dashboard.

For your protection, SIF BIZ Online will automatically log you out if there is no activity for a period of 5 minutes.

Organisation ID – You cannot change your Organisation ID.
User ID – You cannot change your User ID.

Password – You can change your password at any time by clicking on the icon  ⋮  found on the top right corner of the screen or select “Settings” on the bottom left corner of the menu dashboard.

You cannot reset your Organisation ID and User ID. Please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

To reset Password, select “Forgot Password” found on our SIF BIZ Online homepage and follow the on-screen instructions.

The User ID will be locked after 5 invalid login attempts and the digital token will be locked after 5 invalid attempts to enter the Mobile Token PIN into the mobile.

To unlock your user ID, select “Forgot Password” found on our SIF BIZ Online homepage and follow the on-screen instructions.

To unlock your Mobile Token, open SIF BIZ Mobile app and go to the log in screen. Select “LOGIN” button and enter your credentials. Click “PROCEED TO LOG IN” and follow the on-screen instructions.

Please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

No. Currently you can only register digital token on one mobile device for each company.

Please download the SIF BIZ Maintenance Form and mail the completed form to us.

Please download the SIF BIZ Maintenance Form and mail the completed form to us.

To add or remove users on behalf of your company, please complete the SIF BIZ Maintenance Form and mail the form back to us.

Go to “Change Password” under “Settings”. Alternatively, you may select Change Password option from the top right menu bar.

You can go to SIF BIZ Mobile Login page, select the “LOGIN” button, tap on “Forgot Password” and follow the on-screen instructions.

Install SIF BIZ Mobile App on your new device and log in with your credentials. Simply follow the instructions on the screen. Your digital token on the old device will be deactivated upon the successful transfer to the new device.

To update your mobile number(s) with us, please complete the SIF BIZ Maintenance Form and mail it back to us.

No. Digital token can only be installed on 1 device at any time.

Each corporate customer can only register one mobile device for SIF BIZ Mobile. When you register a new mobile device for SIF BIZ Mobile, the previous mobile device will be deregistered automatically.

His/ her SIF BIZ Mobile access should be terminated. You can submit the SIF BIZ Maintenance Form for the termination. You can ask your Administrator to first suspend the employee’s user ID while your maintenance request is being processed.

During the interim, you should ensure that your employee does the following:
1. Delete the SIF BIZ Mobile app in their device.
2. Ensure that the employee no longer has access to both the registered email and mobile device to prevent re-installation.

You can download the SIF BIZ Maintenance Form and mail the completed form to us.

You can download the SIF BIZ Maintenance Form and mail the completed form to us

Yes. You can transfer funds from your Current Account to place a Fixed Deposit online.

Go to Create New FD Placement option under Fixed Deposit.

Go to “Fixed Deposit Accounts” option under Accounts. Select and click on the Fixed Deposit receipt number and the receipt details will be displayed. Click “Update Maturity Instruction”.

Yes. You can do a FAST transfer to Other Banks/e-Wallet using SIF BIZ.

Go to “Immediate Transfer” under “Transfers”.

Go to “Future Transfer/ Standing Instructions” under “Transfers”.

Go to “Manage Workflow” under “Transfers”.

Please refer to Current Account fees & charges.

Yes. You can view the existing fund transfer arrangements in “Beneficiary Management” under “Beneficiary List”.

Yes. You can view the existing Standing Instruction arrangements in “Manage Transfers” under “Transfers”.

Go to “Accounts Overview” and select the account to view transaction history for the past 3 months.

Yes. You can download your account statements for accounts that are linked to SIF BIZ Online.

1) For transactions pending action, go to “Manage Workflow” in the specific transaction type.
2) For placement of Fixed Deposit or update of maturity instructions, go to “Manage List” under “Fixed Deposit”.
3) For creation of Beneficiary, go to “Beneficiary List” option under “Beneficiary Management”.
4) For Transfers, go to “Manage Transfers” under “Transfers”.

1) To edit a transaction that has been submitted for approval, the approver can return the transaction to the maker by selecting “Amendment”. Thereafter, the maker will be able to edit the transaction.
2) To delete a transaction that has been submitted for approval, select “Reject”.

Yes. Go to “Cheque Inquiry/ Stop Cheque” under “Cheque Services” to select the cheque number or the range of cheques that you wish to stop.

Go to “Cheque Inquiry/ Stop Cheque” under “Cheque Services” to view your cheque status.

You may contact the recipient directly for a refund. Alternatively, you can 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 informs us of the recipient’s response. With the information and recipient’s response, you can assess if you should make a police report about the erroneous transaction.

If you are aware of who the recipient is, you may contact the recipient directly for a refund. Alternatively, you can 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 informs us of the recipient’s response. With the information and recipient’s response, you can assess if you should make a police report about the erroneous transaction.

You can make payments for your monthly instalment, fees and charges as well as loan redemption for your block discounting and floor stock accounts maintained with SIF. However, transaction processing is dependent on the cut-off times of each payment type.

You will receive Email and/or SMS notifications on the following transactions.

*Include SMS notification

You will be able to view the transaction history for the current month and the past 3 months in SIF BIZ.

You can download the Statement of Account in SIF BIZ Online.

You will be able to download/export the account statements of all your SIF accounts that are linked to SIF BIZ Online.

To download/export account statements:

• From the menu dashboard, select “Reports” and click on “Statement of Account”.
• Select the “Product Group”, “Company” and “Account Number/Limit ID” from the dropdown values.
• Select the “Period” from the dropdown, click on the “SEARCH” button and select the month required.
• Click the “DOWNLOAD” button at the bottom left corner of the screen.

Your new accounts are not automatically linked to your SIF BIZ account. You can download the SIF BIZ Maintenance Form and mail the completed form to us. Please ensure that the form is signed by the authorised personnel.

Once we receive your application form, we will take about 10 business days to process your request.

You can log in to SIF BIZ any time to check on your transactions. You will also receive email and/or SMS notifications when a transaction is pending processing/approval, has been successfully processed or rejected or expired.

1) Log in to SIF BIZ and scroll down to “Financial-Transaction Statistics” from the Dashboard to view the status.

To view more details on the status:-
1) Select “Loan Services” on the menu dashboard.
2) Select “Manage List”.
3) The list of transactions for “Redemption Payment” will be reflected under the Manage List.
4) To view transactions for loan payment, at the Filter Transaction field, select “Loan Payment” from the dropdown. The list of transactions for “Loan Payment” will be reflected under the Manager List.
5) Refer to the “Status” column under the Manage List.

You can also perform a search on loan payment or redemption payment by using the “Search Criteria” function. To search by payment date and payment amount, please use the “Sort” function instead of “Search Criteria” function.

No. You cannot create a loan transaction that is dated in the future.

SIF BIZ is accessible 24/7, so you can create transactions and perform account enquiries whenever you need. However, transaction processing is dependent on the cut-off times of each payment type.

You cannot edit a transaction after it has been sent for approval. To delete a transaction that has been submitted for approval, the approver has to reject the transaction by selecting the “REJECT” button. After which, the maker can perform a new transaction.

No, you cannot stop a transaction that has already been released to SIF.

Yes, any approver indicated according to the company’s approval mandate can approve the payment.

You cannot recall a payment after it has been fully authorised and sent to SIF for processing.

The maximum daily transaction limit is $20,000,000.00.

An Inquirer can view account summary/statement and transactions of their company in SIF BIZ.

A Maker creates transactions on behalf of their company through SIF BIZ. However, for a transaction to be processed by SIF, the Maker cum Approver or Approver needs to approve the transaction. The Maker is able to view account details of their company in SIF BIZ.

1) Upon login, select “Loan Services” on the left-hand of the menu dashboard.
2) Select the transaction type you want to create and follow the on-screen instructions.

An Approver approves transactions created by other Makers from their company in SIF BIZ in order for SIF to process them. Approver can also view account details of their company in SIF BIZ.

A Maker cum Approver can create transactions on behalf of their company through SIF BIZ and approve transactions. The Maker cum Approver is able to view account details of their company in SIF BIZ.

SIF BIZ allows the configuration of Maker cum Approver access rights in two categories:

• Single Control: Where Maker cum Approver can create and approve the same transaction.
• Dual Control: Where Maker cum Approver can create but cannot approve the same transaction which must be approved by another Approver.

Note: For Single Control, the user can create and approve all transactions, including own transactions, thus may incur higher risk as compared to Dual Control, where another person can verify and confirm the transactions.

An Administrator can suspend user(s) access in SIF BIZ.

To reactivate the suspended user(s), please download the SIF BIZ Maintenance Form and mail the completed form to us.

You can download the SIF BIZ Maintenance Form and mail the completed form to us.

The Administrator role can only suspend user(s) access in SIF BIZ. However, a person can take on multiple roles. As such, an Administrator can take on the role of a Maker or Approver if that is authorised by the company.

Please try again after 30 minutes. If the problem persists, please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

Please ensure that you are in an area with better data connectivity. Delete and re-launch the app. If it still fails, uninstall and download the app again.

You can activate a new Mobile Token by deleting or uninstalling SIF BIZ Mobile app from your mobile device and downloading and installing SIF BIZ Mobile app again. After a successful 2FA login, an SMS OTP will be sent to your registered mobile number for you to register a new Mobile Token. As part of the Mobile Token registration steps, you need to key in a new Mobile Token PIN.

Alternatively, you can lock the Mobile Token after 5 incorrect pin attempts, then login with 1FA password and follow the token registration steps.

Your User ID will be locked if you enter an incorrect password 5 times on SIF BIZ mobile app. To unlock your user ID, you can go to SIF BIZ Mobile Login page, select the “LOGIN” button, tap on “Forgot Password” and follow the on-screen instructions.

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

If you would like to block your SIF BIZ access immediately, you can go to SIF BIZ Online Login page, enter your credentials and click on “PROCEED TO LOGIN IN” button. Click on “Lost Your Phone” link and follow the on-screen instructions. Your User ID will get locked and Mobile Token will get suspended.

Please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

No. For security reasons, please login to one device at one time

Please check if you have entered your login credentials correctly. If the problem persists, please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.

As a security measure, only standard keyboards are allowed in the mobile app to prevent untrusted keyboards from accessing your personal information such as passwords.

If you are facing this error, please go to your phone settings and change your keyboard to the default standard keyboard.

Please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance

Please contact our Customer Service Hotline at 6438 7060 (9:00 a.m. to 6:15 p.m. on Monday to Friday, excluding public holidays) for assistance.