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 acknowledgement sent by the provider
3. By reaching out to the respective provider

As a reference, here are some types of reference numbers provided by our partners: 

Provider	Credit Card	Personal Loan	Savings Accounts
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)	-	-
CIMB	8 alphanumeric characters (e.g. 1-xxxxxxx)	-	-
DBS	MBAxxxxxxxxxxxxxxAxx	-	-
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.	-
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
United Overseas Bank (UOB)	From 1 March 2019: SG-YYYY-12345678  Before 1 March 2019: UCC-YYYYMMDD-123456	SG-YYYY-12345678	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)
• OCBC (personal loan only, example here)
• Standard Chartered Bank
• United Overseas Bank (UOB) (example here)

Bank of China (BOC)

Credit Card

CIMB

DBS

Credit Card

OCBC

Personal Loan

United Overseas Bank (UOB)

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
• Standard Chartered Bank (SCB)
• Oversea-Chinese Banking Corporation (OCBC)

American Express

Credit Card

Citibank

Credit Card

Personal Loan

CIMB

Credit Card

 

DBS

Credit Card

Standard Chartered Bank

Credit Card / Personal Loan (From 22 April 2019)

Credit Card (Before 22 April 2019)

Savings Account

UOB

Credit Card

 

OCBC

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.