- Step 1: Account Sign Up/Login
- Step 2: Create Payment
- Step 3: Select Payment Category
- Step 4: Select Income Tax
- Step 5: Fill in your Payment details
- Step 6: Document
- Step 7: Review
- Step 8: Payments Dashboard
- Step 9: Check Tax Portal
Here is how you can get started:
Step 1: Account Sign Up/Login
Step 2: Create Payment
Once you're login, click on "Create Payment"
Step 3: Select Payment Category
Schedule your payment request by selecting "Taxes" as the payment category.
Step 4: Select Income Tax
Click on the Income Tax toggle to set up your payment.
Step 5: Fill in your Payment details
Then, you will be directed to "Tell us more about your payment" where you need to fill in as follows:-
Payment Amount: You may have different payable amounts stated on the tax statement (if you're on monthly giro). Note, please set up the series of payments following the first monthly repayment. This is to enable you to enjoy the promo code (if applicable) (as there are certain promos that can only be redeemed once). But not to worry, as you will be able to edit the payment amount once we have set them up. Aside from that, you may only setup the payment amount based on the tax payable amount as stated on your statement. If you input the amount above the threshold, your payment will be on "Pending" status for our checking. Note, once your payment has been set up and you need to change the payment amount, kindly refer to this guide.
Credit card: Select the card you wish to be charged to. Do add in your card and ensure the registered billing address on the card level is match with what you have updated with your card issuer. Aside from that, do note that most of our promo codes are applicable for Singapore-issued VISA credit cards. If you happen to own VISA cards, feel free to use them to enjoy a lower processing fee for your tax payment.
Payment Plan: You have the option to speed up your payment payout as early as 1 business day (excluding Public Holidays and Weekends).
A. Standard Payment: Your payout will be done within 3 business days after your credit card has been successfully charged.
B. Next business day payment: Payout will be done on the next business days once your card is successfully charged, with an additional of 0.3% charge on top of the normal processing fee.
Repeat payment: You can set up your payment as one time or monthly repayment.
A. One-time payment: If you select "Never", you are required to fill in only 1 date for your payment. Note: We have greyed out the option for you to select the 1st 6/7 days and last 5/6 days (depending on the day of the month + if we observed any public holidays) of each month as the due date since this will be the period where IRAS will notify your giro for deduction.
B. Every month: For monthly repayment, please select "Every month". To set up your first and last repayment date, it works differently on our platform.
For example, your IRAS tax statement shows the monthly repayment needs to be done starting from May 2023 until April 2024. With CardUp, you will need to set the due date 2-3 weeks in advance of your tax due as stated on the statement. This is to allow IRAS sufficient time to reconcile the payment and to avoid your Giro from being deducted.
Hence, if your IRAS tax statement is due as 6th May 2023, with last repayment as 6th April 2024. Then your due date on CardUp should be April 2023 as the first repayment, and last repayment should be March 2024.
- On IRAS tax statement: May 2023 - April 2024.
- You need to schedule on CardUp; April 2023 - March 2024.
Note: We recommend the 12th being the best due date for each month to give IRAS sufficient time for them to reconcile the payment, but you may still select any available date as your preferred due.
- Payment reference: Your payment reference will be pre-filled with the NRIC/FIN number linked to your CardUp account and will not be editable. Therefore, you will not be allowed to make tax payments on behalf of someone else.
- Promo or referral: If you have any promo or referral to be utilized, kindly key in the code in this text field. Don't miss the chance to set up your payment with a lower processing fee.
- Fee summary: It will show you the full chargeable fee based on your payment amount. But do note that if you applied a promo or referral code, the new fees will only be shown on the "Final Review Page", after you click on "Continue".
Step 6: Document
Lastly, you are also required to upload an up-to-date copy of the tax statement to help our team with payment verification. Refer here on how to get your income tax statement.
Please ensure the supporting document is either:-
- Notice of assessment (NOA) OR
- Statement of Account (SOA) OR
- GIRO monthly payment plan that shows your (1) Name (2) NRIC/FIN (3) Tax payable.
Do ensure to upload copies of your supporting document with sizes not exceeding 25MB and >10 documents.
Step 7: Review
You will be able to review the overall payment request (including the total fee charged after promo is applied) before proceeding with payment checkout. If all is good, you may proceed to click on "Create Payment". Note: There will be a pre-authorization charge of SGD0.50 which will be refunded back to your credit card in a few days.
Step 8: Payments Dashboard
You will be able to find all your scheduled payments reflected on CardUp homepage> specifically under the "Upcoming" tab.
Step 9: Check Tax Portal
CardUp will transfer the funds directly to IRAS on your behalf. After each payment has been completed, please allow 3-5 business days for it to be reflected in your myTax Portal account. The payment via CardUp will be shown as an "E-payment" on your myTax portal account.
CardUp is not affiliated with IRAS and only acts as a payment service provider for your tax payments. Please note that for larger payment amounts, the CardUp team will get in touch with you after your payment has been scheduled, as we would require additional documents for verification.
If you have further questions or face any issues with your tax payments, please contact us here.