To ensure timely processing of your payments, you are required to upload supporting documents for all payments made on CardUp. Please also make sure you enter the payment reference correctly, so that your recipient can easily identify the source of funds and avoid any unnecessary delays.
Here are the key guidelines on the supporting documents required:
- All documents must be issued within 6 months of the payment date.
- The documents should include information such as the purpose of the payment, your name, the payment amount, and the recipient's bank account details.
- If the recipient's bank details are not already displayed on the main document, you can supplement it with an additional document like a WhatsApp or email snapshot showing the full bank account information.
- A UEN (Unique Entity Number) alone is not sufficient - you must provide the full bank account details of the recipient.
Here is a breakdown of the document requirements for different payment types:
1. Rental (to a landlord):
- Valid Tenancy Agreement with the landlord and your name, address, and bank account number
- WhatsApp/email snapshot with bank account details if not included in Tenancy Agreement
2. Rental Deposits (to a landlord):
- Valid Tenancy Agreement
- Signed Letter of Intent with landlord and your name, address, and bank account number
- WhatsApp/ email snapshot with bank account details if not included in documents
3. Mortgage
- Official loan agreement with your name, address, loan amount, tenure, and interest rate
- Bank statement to verify existing GIRO arrangement
4. MCST/ Condo Fees
- Valid MCST invoice with your name and address
4. Education
- Valid invoice from the school with their bank account details
- WhatsApp/ email snapshot with bank account details if not included in documents
5. Insurance Premiums (if your recipient on our database)
- Valid insurance policy invoice with insurance company's bank account details
- Supporting document with bank account details if not stated on the invoice
6. Income/ Property/ Corporate & GST Tax
- Latest Notice of Assessment, Statement of Account, or Payment GIRO Plan
7. Season Parking
- Valid invoice with recipient's bank account details
- Supporting document with recipient's bank account details if not on the invoice
8. Car Loans
- Hire Purchase Agreement with your details
- Bank statement to verify existing GIRO arrangement
9. Miscellaneous
- Valid invoice issued by a registered business, with recipient's UEN and full bank account details
- Supporting document with bank account details if not stated on the invoice
10. Supplier
- Valid invoice with supplier's full company details, including their UEN and full bank account details
- Supporting document with bank account details if not stated on the invoice
11. Payroll
- CPF Record of Statement
- Monthly Payroll Summary
- Company bank statement
12. Helper's Salary
- Front and back copy of the domestic helper's Work Permit issued by MOM
- Bank statement or passbook with the helper's bank account details
13. Electricity
- Valid electricity bill statement with the bank account details included
- Supporting document with bank account details if not stated on the bill statement