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Jurisdiction · Asia-Pacific

Singapore

Singapore shi ne babban cibiyar kudi ta duniya tare da mai kulawa guda daya, Hukumar Kudi ta Singapore (MAS), wanda ke kula da bankuna, kamfanonin biyan kuɗi, kasuwannin hannun jari masu tsaka-tsaki, masu inshora da kasuwancin dijital. An san shi da arziki da sarrafa dukiya, cinikin musayar waje da tsarin biyan kuɗi wanda ke rufe e-dalar Amurka, canja wurin iyakoki da kuma katin biyan kuɗi na dijital a karkashin wani Dokar.

Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes12
Kudin kudiSGD
S&P ratingAAA
Zaben gabada aka biya a cikin 2030

Ba a kan FATF grey ko black lists after the June 2026 plenary, not on the EU high-risk third country list (Delegated Regulation (EU) 2016/1675 as amended, latest by Delegated Regulation (EU) 2026/46), and not on Annex I of the EU tax list updated 17 February 2026. Checked 7 October 2026.

Gwamnati da siyasa

Gwamnati
Parliamentary republic
Gwamna
Tharman Shanmugaratnam · tun Satumba 2023
Prime Minister
Lawrence Wong (Jam'iyyar Aiki ta Mutane)
Jam'iyyun siyasa
Jam'iyyar Tattalin Arziki ta Mutane
Zabe na ƙarshe
Zaben kasa, 3 ga Mayu, 2025
Zaben gaba
Zaɓen jama'a, da aka yi a 2030. 2029
Legislature
Parliament (unicameral; 97 elect seats plus non-constituency and nominated members)
Sistema Legal
English common law

Ƙasa da kudi

Jami'a
6.1m (2025)
GDP
USD 603.9bn (2025)
GDP per person
USD 99,365 (2025)
Kudin kudi
Singapore dollar (SGD), managed float against an undisclosed trade-weighted basket (S$NEER policy band)
Bankin Cibiyar
Monetary Authority of Singapore
Credit rating
S&P AAA (stable) · Moody's Aaa (stable) · Fitch AAA (stable) (as of May 2026)

Singapore ita ce cibiyar tattalin arzikin duniya, kula da dukiyar jama'a da kuma kasuwanci tare da ci gaban lantarki da kuma samar da petrochemicals, kuma Hukumar Kudi ta Singapore tana aiki a matsayin banki mai tsakiya da kuma mai kula da kudi.

Banki

Full bank license

Minimum capitalBa a wallafa ba
Layin lokaciMAS states processing usually takes about three to four months once the application is completed
AuthorityMAS
Dokar
Banking Act 1970
Farashin
Kudin shigar da aikace-aikacen SGD 20,000 (MAS shafi na lasisin banki)
Passporting
Babu takardar izinin shiga; lasisin yana da inganci ga Singapore kawai
Buƙatun Maɓalli
  • Tsarki na kudi, tarihin tafiya, matsayi a duniya da kuma suna na mai neman aiki, mahaifi da manyan masu saka hannun jari
  • Yarjejeniyar rubutu daga mai kula da ƙasar gida da kuma kulawa mai ƙarfi a cikin gida
  • Sauƙin shirin kasuwanci da tsarin kulawa da haɗari wanda ya dace da kasuwancin da aka gabatar
  • MAS a halin yanzu tana bayar da sabon lasisi na banki ga bankunan waje kawai bisa yarjejeniyoyin kasuwancin kyauta
Sources(2)
  1. MAS: Licensing and Authorisation for Banking Business · checked 2026-10-07
  2. MAS: FAQs on Digital Full Bank and Digital Wholesale Bank Licences · checked 2026-10-07
Banki

Wholesale bank license

Minimum capitalUSD 78m
Layin lokaciGame da watanni uku zuwa huɗu lokacin da aikace-aikacen ya cika
AuthorityMAS

SGD 100 miliyan mafi ƙarancin kudin da aka biya don wani banki na Singapore wanda aka haɗa shi, kamar yadda aka bayyana ta MAS ga bankuna masu yawa a cikin buƙatun banki na dijital

Dokar
Banking Act 1970
Farashin
Kudin shigar da aikace-aikacen SGD 20,000
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Rashin yarda da hadin gwiwar mai kula da gida da MAS
  • Tsarin kudi da amincin kungiyar mai neman aiki
  • Sound business plan for Singapore operations
  • Bankuna masu sayar da kaya na kansu ba za su iya karbar ajiyar SGD ba
Sources(2)
  1. MAS: Licensing and Authorisation for Banking Business · checked 2026-10-07
  2. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
Banki

Digital full bank license

Minimum capitalUSD 11.7m
Layin lokaciBa a wallafa ba
AuthorityMAS

SGD 15 miliyan da aka biya a hannun jari a lokacin shiga a matsayin wani banki na dijital mai iyaka (aggregate deposit cap SGD 50 miliyan, SGD 75,000 ga kowane mutum), yana tashi zuwa SGD 1.5 biliyan lokacin da yake aiki sosai

Dokar
Banking Act 1970; MAS digital bank framework
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Wanda ya shigar da aikace-aikacen dole ne ya kasance yana zaune a Singapore, an kula da shi ta hanyar Singaporeans kuma an kafa shi a Singapore
  • Dakatar da biyan kuɗaɗe ko kuma shirin samar da kuɗaɗe na musamman don isa ga SGD biliyan 1.5 da aka biya
  • Kaidojin tattalin arzikin da ke dogaro da haɗari a kan daidaito tare da bankuna masu muhimmanci na gida
  • Ma’aikatar Harkokin Cikin Gida
  • Wannan wuri ne na kasuwanci; babu damar shiga tashar ATM ko tashar ajiyar kudi
Sources(2)
  1. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
  2. MAS: Annex A Digital Full Bank Framework · checked 2026-10-07
Banki

Digital wholesale bank license

Minimum capitalUSD 78m
Layin lokaciBa a wallafa ba
AuthorityMAS

SGD 100 miliyan mafi ƙarancin jarin da aka biya, kamar yadda ake samu a bankuna masu sayar da kayayyaki

Dokar
Banking Act 1970; MAS digital bank framework
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Ya kamata a haɗa shi cikin Singapore
  • Buɗe ga duk kamfanoni (ba buƙatar sarrafa Singapore ba)
  • Kashi na rikitarwa da aka dogara a kan tattalin arziki, kudi, rikitarwa ta fasaha da AML/CFT bukatun kamar bankuna masu sayar da kayayyaki
  • Yana aiki da SMEs da kuma ɓangarorin da ba na siyarwa ba
Sources(1)
  1. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
Mai ba da sabis na biyan kuɗi (PSP)

Ma'aikatar biyan kudi ta farko (MPI)

Minimum capitalUSD 195k
Layin lokaciBa a wallafa ba
AuthorityMAS

SGD 250,000 mafi ƙarancin jarin farko, tare da tsaron SGD 100,000 ko SGD 200,000 (deposit na kudi tare da MAS ko banki garanti)

Dokar
Payment Services Act 2019, s 6
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Singapore-incorporated company or Singapore branch of a foreign corporation
  • Ma'aikacin kasuwanci ko ofishin da aka yi rajista a Singapore
  • Aƙalla manajan gudanarwa guda wanda shi ne ɗan ƙasar Singapore ko PR, ko kuma mai riƙe da EP tare da wani dan ƙasa ko manajan PR
  • Fit da daidaitattun masu kulawa da shugabanni; hadin gwiwa da tsarin bincike
  • Yaƙin shiga na sabis na intanet kafin lasisi
  • Bai da tsare-tsaren adadin zirga-zirga ko e-dalar ruwa (ana buƙata a sama da SGD miliyan 3 na watanni don sabis ɗaya, SGD miliyan 6 ga biyu ko fiye, ko SGD miliyan 5 na yau da kullun e-dalar)
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Mai ba da sabis na biyan kuɗi (PSP)

Lasisi na cibiyar biyan kuɗi ta ɗabi'a (SPI)

Minimum capitalUSD 78kSGD 100,000 mafi ƙarancin jarin farko
Layin lokaciBa a wallafa ba
AuthorityMAS
Dokar
Payment Services Act 2019, s 6
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Aiki yana zaune cikin SGD miliyan 3 na wata ga kowane sabis, SGD miliyan 6 na watanni biyu ko fiye da sabis, da SGD miliyan 5 na yau da kullun e-dalar
  • Singapore-incorporated company or Singapore branch
  • Ka'idar mai kula da gudanarwa na yanki kamar yadda take ga MPI
  • Fit da daidaitattun masu kulawa; hadin kai da tsarin bincike
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
E-money institution

E-money issuance under an MPI or SPI license

Minimum capitalUSD 195k
Layin lokaciBa a wallafa ba
AuthorityMAS

Babu lasisin e-dalar daban-daban; mai fitarwa sama da SGD 5 miliyan na yau da kullun da ke ci gaba da biyan kuɗi yana buƙatar lasisin MPI (SGD 250,000), a ƙarƙashin wannan lasisin SPI (SGD 100,000)

Dokar
Payment Services Act 2019 (e-money issuance is a regulated payment service)
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Ka'idojin daidaitacce da nazari kamar MPI ko lasisin SPI
  • Yawan kudin da ake samu a kowace rana na SGD miliyan 5 ya yanke shawarar MPI ko SPI
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Mai ba da sabis na biyan kuɗi (PSP)

Lasisin musanya kudi

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityMAS
Dokar
Payment Services Act 2019
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Don kasuwancin da ke saye ko siyar da takardun kudi na waje kawai
  • Singapore citizens ownership and control for sole proprietors, partnerships and Singapore-owned companies
  • Masu neman aiki daga kasashen waje sun iyaka ne ga kamfanoni masu zaman kansu na bankuna ko masu musayar kudi da aka yi wa dokoki.
  • Kwarewar canja kudi da AML/CFT
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Mai ba da sabis na kayan kwamfutoci (VASP)

Digital payment token service under an MPI license

Minimum capitalUSD 195k
Layin lokaciBa a wallafa ba
AuthorityMAS

Base capital follows the MPI or SPI license held (SGD 250,000 for an MPI); MAS has not stated a separate DPT capital figure on the pages opened

Dokar
Payment Services Act 2019 (digital payment token service)
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • License a karkashin PS Act don kasuwanci ko musayar DPTs, ko samar da DPT tsare ko canja wurin, ga abokan ciniki a Singapore
  • Fit da daidaitattun masu kulawa, AML/CFT sarrafawa da fasahar kula da haɗari
  • Tokens na kayayyakin kasuwannin hannun jari sun fadi a karkashin Dokar Tattalin Arziki da Ta Gaba
Sources(2)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
  2. MAS: MAS Clarifies Regulatory Regime for Digital Token Service Providers (6 June 2025) · checked 2026-10-07
Mai ba da sabis na kayan kwamfutoci (VASP)

Digital token service provider license (DTSP)

Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityMAS
Dokar
Financial Services and Markets Act 2022, Part 9 (s 137)
Passporting
Ba a iya amfani da shi ba
Buƙatun Maɓalli
  • Yana aiki daga 30 ga Yuni, 2025 zuwa kamfanonin Singapore-based da ke ba da sabis kawai ga abokan ciniki a waje da Singapore
  • MAS ya ce ba zai fitar da wannan lasisi ba
  • DTSPs ba tare da lasisin ba ya kamata su daina irin wannan kasuwancin a ranar 30 ga Yuni, 2025
Sources(2)
  1. MAS: MAS Clarifies Regulatory Regime for Digital Token Service Providers (6 June 2025) · checked 2026-10-07
  2. MAS: Guidelines on Licensing for Digital Token Service Providers · checked 2026-10-07
Kamfani na zuba jari

Lissafin sabis na kasuwannin hannun jari (CMS), kasuwanci a cikin kayayyakin kasuwannin hannun jari da sauran ayyukan da aka tsara

Minimum capitalUSD 39k
Layin lokaciMAS yana tsammanin har zuwa watanni 6 don duba wani shirin ayuka na cikakke; masu riƙe da IPA sai suna da har zuwa watanni 6 domin su cika sharuɗɗan
AuthorityMAS

Kashi na farko daga SGD 50,000 zuwa SGD miliyan 5 ga masu sayar da kayayyaki bisa ga samfuran, abokan ciniki da kuma zama abokin tarayya; SGD 250,000 ga masu ba da shawara kan kudi na kamfani; mafi girman adadin yana amfani a cikin ayyukan

Dokar
Securities and Futures Act 2001; Securities and Futures (Financial and Margin Requirements for Holders of Capital Markets Services Licences) Regulations, First Schedule
Farashin
Kudin shigar da aikace-aikace SGD 1,000; kuɗin lasisin shekara SGD 2,000 zuwa 8,000 bisa ga ayyukan
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Mai neman aiki mai kyau, masu saka hannun jari da mutane masu mahimmanci
  • Wasu wakilai sun yi rajista da MAS
  • Abubuwan da ake bukata na kudi a sama da matsalolin haɗari gaba ɗaya a kan wani tsari mai gudana
  • Margin collection for product financing, CFDs and leveraged FX
Sources(1)
  1. MAS: Capital Markets Services (CMS) Licence · checked 2026-10-07
FX broker

Lasisi na CMS don kasuwanci a cikin yarjejeniyoyin FX na wuri don cinikin musayar waje mai amfani

Minimum capitalUSD 3.9m
Layin lokaciHar zuwa watanni 6 don sake dubawa na cikakke CMS aikace-aikace
AuthorityMAS

SGD 5 miliyan a matsayin babban hannun jari idan yana aiki da abokan cinikin sayar da kaya; SGD 1 miliyan idan yana aiki ne kawai da masu saka hannun jari na kwararru ko kungiyoyi

Dokar
Securities and Futures Act 2001; SF(FMR) Regulations, First Schedule item 4
Farashin
1,000
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
  • Ka'idoji na margin a karkashin reg 24A SF(FMR)R
  • Abubuwan da ake bukata na kudi a sama
  • Daidaitacce da daidaitacce
Sources(2)
  1. Singapore Statutes Online: SF(FMR) Regulations, First Schedule · checked 2026-10-07
  2. MAS: Capital Markets Services (CMS) Licence · checked 2026-10-07
Supervisors

Wane ke sarrafawa

  • Monetary Authority of Singapore (MAS) · websitebanks, E-money institutions, Payment service providers, Virtual asset service providers (VASPs), Investment firms, FX brokers, Insurance
  • Ma'aikatar Shari'a ta Najeriya (NSC) · web siteOnline gaming

Gambling: Dokar Kula da Gambling 2022 da dokar GRA sun shiga aiki a ranar 1 ga Agusta, 2022, ta rushe Dokar Gambling na Yanzu; caca ba ta doka ba sai an ba da izini, lasisin ko ya sauka, kuma babu lasisin buɗewa ga masu amfani da gidan caca na kan layi ko masu saka hannun jari (Singapore Pools yana tafiyar da dandalin yanar gizo na doka kawai). MAS A watan Agusta na shekarar 2023, gwamnatin tarayya ta amince da wani tsari don samar da kudaden musayar kudi guda daya (Single Currency Stablecoins) wanda zai hada da kudin Sin (SGD) ko kuma wata kudade daga kasashen G10 da aka fitar a kasar Singapore, tare da bukatun ajiya, jarin kai-tsaye da bayyanawa, kuma ta yi shawarwari kan gyaran dokar PS domin aiwatar da ita; ba a tabbatar da adadin jarin farko ba daga shafin da aka bude. MAS takardun sanya SGD 1.5 biliyan ga wani cikakken aiki digital cikakke banki.

Bayanai na Gabaɗaya

About Singapore

Singapore on the globe
Map of Singapore Singapore
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
Singapore
Area
719 km²
Yarukan hukuma
English, Malay, Mandarin, Tamil
Yana da Lokaci
UTC+08:00

Main exports

  • integrated circuits
  • Dakata
  • ma'aikatan
  • vakcines
  • color
  • sabis na kuɗi

Main export partners

  • Hong Kong
  • China
  • United States
  • Malaysia
  • Koriya ta Kudu
Sources for the country information(9)

Bayanin ƙasar da aka bincika 9 Oktoba 2026. Bayanan lasisi an sabunta su 7 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; bukatun sun canja. Labari na dokoki.