(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:
- Referencing the end of your application form
- Referencing the email acknowledgement sent by the provider
- 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 |
2019xxxxxxxxxxSGD (10 numeric digits between “2019” and “SGD”) |
- | - | |
Bank of China (BOC) | SG-A-2019-xxxxx | - | - | |
Citibank |
12 alphanumeric characters (e.g. xxxxxxxxxxxx) |
12 alphanumeric characters (e.g. xxxxxxxxxxxx) |
- | |
CIMB |
8 alphanumeric characters (e.g. 1-xxxxxxx) |
- | - | |
DBS |
MBAxxxxxxxxxxxxxxAxx |
- | - | |
Endowus |
- |
- |
- |
First 3 characters of the registered email address |
HSBC | No reference number given. Please input the name of the product applied for. | No reference number given. Please input the name of the product applied for. | - | |
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 Before 22 April 2019: SGR481-xxxxxx (Applicable for SCB Credit Card Funds Transfer applications) |
From 1 May 2019: SGYYYYMMDDxxxxxx Before 1 May 2019: SGR482-xxxxxx |
BonusSaver Account: SGR709-xxxx UnlimitedSaver Account +Unlimited Card SGR901-xxx SGR901-xx |
|
Syfe |
- |
- |
- |
No reference number given, please enter the product name |
Tiger Brokers |
- |
- |
- |
No reference number given, please enter the product name |
United Overseas Bank (UOB) |
From 1 March 2019: SG-YYYY-XXXXXXXX Before 1 March 2019: UCC-YYYYMMDD-XXXXXX |
SG-YYYY-xxxxxxxx | Stash 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)
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
Endowus - Sample
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.
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