How to find my Application Reference Number?

(For insurance policy numbers, please refer to this article instead)

What is an Application Reference Number?

The Application Reference Number (ARN) is provided to you by the financial service provider after you have completed the online application form for a financial product. This number is unique to your financial product application.

Where do I find my Application Reference Number?

Different providers will generate different types of Application Reference Numbers (ARNs) application reference number differs from one provider to another. Your Application Reference Number can be found via these methods:

1. Referencing the end of your application form
2. Referencing the email acknowledgment sent by the provider
3. By reaching out to the respective provider

Customers are advised to copy and paste the reference numbers from the providers to prevent accidental errors in the submission of application reference numbers.

As a reference, here are some types of reference number (Samples) provided by our partners: 

Provider	Credit Card	Personal Loan	Savings Accounts	Investments
American Express	2021xxxxxxxxxxSGD (10 numeric digits between “2021” and “SGD”)	-	-	-
Bank of China (BOC)	SG-A-2021-xxxxx	-	-	-
Citibank	12 alphanumeric characters (e.g. xxxxxxxxxxxx)	12 alphanumeric characters (e.g. xxxxxxxxxxxx)	12 alphanumeric characters (e.g. xxxxxxxxxxxx)	-
CIMB	6-8 alphanumeric characters (e.g. 1-xxxxxxx)	-	-	-
DBS	MBAxxxxxxxxxxxxxxAxx	-	-	-
HSBC	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)	-
Maybank	15 alphanumeric characters (e.g.  Wxxxxxxxxxxxxxx) or 17 numeric characters (e.g. Ref-xxxxxxxxxxxxxxxxx)	-	-	-
OCBC	No reference number given. Please input the name of the product applied for.	YYYYMMDDxxxxxxxx	-	-
Standard Chartered Bank (SCB)	From 22 April 2019: SGYYYYMMDDxxxxxx	From 1 May 2019: SGYYYYMMDDxxxxxx Before 1 May 2019: SGR482-xxxxxx	BonusSaver Account: SGYYYYMMDDxxxxxx  UnlimitedSaver Account +Unlimited Card SGR901-xxx  SGR901-xx	-
United Overseas Bank (UOB)	From 1 March 2019: SG-YYYY-XXXXXXXX Before 1 March 2019: UCC-YYYYMMDD-XXXXXX	SG-YYYY-xxxxxxxx	Stash Account/ One Account: SG-YYYY-xxxxxxxx	-

*Your reference Number submission should include the FULL alphanumeric format, not just the numeric digits.

Method 1: The end of your application form

This includes applications from the following providers:

• American Express
• Bank of China (example here)
• Citibank
• CIMB (example here)
• DBS (example here)
• Maybank (example here)
• OCBC (personal loan only, example here)
• Standard Chartered Bank
• United Overseas Bank (UOB) (example here)

Bank of China (BOC) - Sample

Credit Card

CIMB - Sample

DBS - Sample

Credit Card

Maybank - Sample

Credit Card

OCBC - Sample

Personal Loan

United Overseas Bank (UOB) - Sample

Credit Card

Bank Account

Method 2: Follow-up email sent by the provider

Here are some examples from the providers:

• American Express
• Citibank
• CIMB
• DBS
• Maybank
• Standard Chartered Bank (SCB)
• Oversea-Chinese Banking Corporation (OCBC)
• EndowUs

American Express - Sample

Credit Card

Citibank - Sample

Credit Card

Personal Loan

CIMB  - Sample

Credit Card

 

DBS - Sample

Credit Card

Maybank  - Sample

Credit Card

Standard Chartered Bank - Sample

Credit Card / Personal Loan (From 22 April 2019)

Credit Card (Before 22 April 2019)

Savings Account

UOB  - Sample

Credit Card

 

OCBC  - Sample

Personal Loan

 

Method 3: Reach out to the respective provider

Please reach out to the respective provider for further assistance if you are unable to locate your Application Reference Number.