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.
Why does my Application Reference Number matter?
SingSaver uses the application reference number to verify the applicant’s eligibility of the Reward. Therefore, without this reference, SingSaver cannot verify your eligibility for any rewards.
To enjoy SingSaver rewards, you should provide this information to SingSaver via the Rewards Redemption Forms triggered to your registered email address when you sign up for financial products via SingSaver.com.sg. These must be completed accurately immediately after your application, in order to be eligible for consideration on rewards eligibility. In this regard, an incorrect or incomplete application reference number may result in a longer processing time for your rewards redemption.
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
As a reference, here are some types of reference numbers provided by our card issuing partners:(where X refers to a numeric character provided by the bank)
| Provider | Credit Card | Personal Loan | Savings Accounts |
| American Express | 2019xxxxxxxxxxSGD | - | - |
| Citibank | 12 digits (alphanumeric) | - | - |
| 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. | String of numbers on the top left hand corner of your approval letter (below date of approval/above your name) | - |
| 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 |
SGRXXX-XXXX |
| United Overseas Bank (UOB) |
From 1 March 2019: SG-YYYY-xxxxxxxx Before 1 March 2019: UCC-YYYYMMDD-xxxxxx |
- |
Method 1: The end of your application form
This applies to applications from the following providers:
- American Express
- Citibank
- Standard Chartered Bank
Method 2: Follow-up email sent by the provider
Here are some examples from the providers:
- American Express
- Citibank
- Standard Chartered Bank (SCB)
- United Overseas Bank (UOB)
- Oversea-Chinese Banking Corporation (OCBC)
American Express
Credit Card
Citibank
Credit Card
Personal Loan
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.
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