Payment & Late Charges

Rent payment modes

You can make payment with any of the following modes:
  • GIRO
  • eNETS debit or PayNow via SGQR
  • Internet banking
  • Cash/ NETS
  • AXS payment channels
  • AXS kiosk/ AXS e-Station/ AXS m-Station (mobile application)


If you would like to pay your monthly rental by GIRO, you will need to complete and submit the Interbank GIRO (IBG) application form to us.

As an existing tenant, you can access the pre-filled IBG application form via My HDBPage using your Singpass.

If you are not the tenant, you can access the online IBG application form via our e-Service and provide your flat/ bank details. The online application form is self-addressed. Please complete and print the form before mailing it to us for the authentication of your signature/ thumbprint by the bank.

Alternatively, if you have an internet banking account with  OCBC or UOB, you can sign up for GIRO online using the access code and PIN assigned by the respective banks.

GIRO commencement and deduction

We will inform you of the GIRO commencement date as soon as the bank approves your GIRO application.

The rent will be deducted from your GIRO bank account on the 28th of each month. If the first deduction is unsuccessful due to insufficient funds in the bank account, a second attempt for deduction will be made on the 6th of the following month. In cases where the date falls on a Saturday, Sunday, or a public holiday, the GIRO deduction will be made on the next working day.

eNETS debit or PayNow via SGQR

These are payment modes where payments are debited real time from the payers’ bank account. You need to apply for an internet banking User ID and PIN with participating banks before using our e-Service to make payment. 

Banks that accept both eNETS debit and PayNow via SGQR

  • DBS / POSB
  • OCBC
  • UOB
  • Citibank
  • Standard Chartered Bank (SCB)

Banks that only accept PayNow via SGQR

  • Bank of China
  • HSBC Bank
  • Industrial and Commercial Bank of China Limited
  • Maybank

Please check with the respective banks on your daily withdrawal limit for these payment modes before making a payment. Do note that some banks may also require 2-factor authentication for payments above a certain amount.

Internet banking

You can make the rental payments using the internet banking services offered by:

  • OCBC
  • UOB

Cash/ NETS

You can pay your rent via cash/ NETS/ cheque at any HDB Branch. You can also pay the current month’s rent via cash and NETS at your Town Council office.

AXS payment channels

You can make payment through any AXS kiosk, AXS e-Station, or the AXS m-Station mobile application.

Late payment charges

Rent is due and payable on the 1st of every month. If payment is not made within the month, a late payment charge will be imposed. This charge is based on the outstanding balance at the end of the month. Payment received will first be used to settle the outstanding late payment charges. Any balance will then be applied towards the payment of other outstanding charges.

If you are currently paying through GIRO, the late payment charges and the arrears amount, including your current monthly charges, will be deducted from your bank account on the 28th of the month. If the first deduction is unsuccessful due to insufficient funds, a second deduction will be attempted on the 6th of the following month.

Revised basis for imposing late payment charges

The computation basis for late payment charges has been revised from 1 April 2008.

The late payment charge is dependent on the average prime lending rate determined by the Ministry of Finance. The current rate is 7.5% (average prime lending rate of 5.5% + 2%) per annum. The rate for late payment is reviewed annually and fixed on 1 April.

Late payment charges will continue to be imposed based on the outstanding rental at the end of every month and is rounded up to the nearest five cents.