Regularly Updated · 2025

Complete Guide to Topping Up Mobile in Singapore

Whether you're on a prepaid SIM or a postpaid plan, this guide covers every major top-up method available in Singapore — from convenience stores and ATMs to apps, online banking, and carrier portals. We review each method for speed, fees, and ease of use, and keep this page current as operators update their services.

Updated Monthly
10+ Top-Up Methods
All Major SG Carriers
Mobile top-up in Singapore

Average top-up time

Under 2 minutes

SG Guide
Complete Method Guide

Every Top-Up Method, Explained Step by Step

From mobile apps to physical kiosks — here's everything you need to know about topping up your prepaid SIM in Singapore, including fees, supported carriers, and practical tips.

Method 1

Mobile App Top-Up

Step-by-Step Instructions

  1. 1Download your carrier's official app — Singtel MySingtel, StarHub+, M1 MyAccount, or GOMO/Circles.Life app.
  2. 2Log in with your registered mobile number or MyInfo/SingPass for first-time users.
  3. 3Navigate to 'Top-Up', 'Add Value', or 'Recharge' — the label differs by carrier.
  4. 4Enter the amount (usually $5, $10, $20, $30, $50 denominations are offered).
  5. 5Select a payment method: credit/debit card, PayNow QR, or stored card on file.
  6. 6Confirm the transaction. You'll receive an SMS confirmation within seconds.
  7. 7Restart your phone if top-up credits don't appear immediately (rarely needed).

Fees & Surcharges

No additional surcharges for card payments within your carrier's own app. PayNow top-ups are always free.

Supported Carriers

SingtelStarHubM1GOMOCircles.LifeTPG MobileSimba
Quick Summary
Pros
  • Available 24/7 from anywhere
  • Instant credit — no waiting
  • Full transaction history in-app
  • PayNow option is fee-free
Cons
  • Requires smartphone and internet access
  • App login can be tricky for elderly users
  • Some older prepaid plans not supported in newer apps
Method 2

AXS Machines

Step-by-Step Instructions

  1. 1Locate an AXS kiosk — over 600+ stations island-wide including MRT stations, malls, and community clubs.
  2. 2Touch the screen to wake and select 'Telco & Mobile Services' from the main menu.
  3. 3Choose your carrier from the list (Singtel, StarHub, M1, and selected MVNOs).
  4. 4Enter your 8-digit Singapore mobile number and confirm it is correct.
  5. 5Select your preferred top-up denomination — amounts range from $5 to $100.
  6. 6Insert cash (notes accepted: $2, $5, $10, $50) or tap your NETS/credit card.
  7. 7Collect your receipt. Credits appear in your account within 5–10 minutes.

Fees & Surcharges

No service fees for cash payments. NETS or card payments may incur a $0.50–$1.00 convenience charge depending on kiosk location.

Supported Carriers

SingtelStarHubM1Circles.LifeTPG Mobile
Quick Summary
Pros
  • Accepts cash — great for those without bank cards
  • Widely distributed across Singapore
  • Bilingual (English & Chinese) interface
  • Receipts provided for recordkeeping
Cons
  • Not all MVNOs supported
  • Slight delay (5–10 min) vs instant app top-up
  • Some machines have long queues at peak hours
  • No 24/7 access if kiosk is inside a mall
Method 3

7-Eleven & Cheers Convenience Stores

Step-by-Step Instructions

  1. 1Visit any 7-Eleven (over 400 outlets) or Cheers store (attached to Esso stations) in Singapore.
  2. 2Approach the cashier and say 'mobile top-up' — most staff are accustomed to this request.
  3. 3State your carrier name clearly and provide your 8-digit mobile number.
  4. 4Confirm the mobile number the cashier reads back to you — errors cannot be reversed.
  5. 5Specify the top-up amount (standard: $5, $10, $20, $30, $50).
  6. 6Pay in cash or by NETS/PayWave. Most 7-Eleven outlets now accept PayNow.
  7. 7The cashier processes the transaction via their POS terminal; you'll receive an SMS confirmation.

Fees & Surcharges

No service fee is charged. Prices match the face value of the top-up. Some Cheers locations add a $0.30 handling fee — confirm before paying.

Supported Carriers

SingtelStarHubM1TPG MobileGOMOCircles.Life
Quick Summary
Pros
  • No bank account required — full cash transactions
  • 7-Eleven is open 24/7
  • Convenient if you're already shopping
  • Friendly for tourists and new residents
Cons
  • Human error risk — double-check your number
  • Limited top-up amounts vs online
  • Queue times vary at peak periods
  • Not all 7-Eleven locations support all carriers
Method 4

Internet Banking (DBS, OCBC, UOB & More)

Step-by-Step Instructions

  1. 1Log in to your bank's internet banking portal or mobile banking app (DBS digibank, OCBC Digital, UOB TMRW, etc.).
  2. 2Navigate to 'Bill Payment', 'Pay Bills', or 'Mobile Top-Up' — terminology differs by bank.
  3. 3Search for your carrier in the biller list (e.g., 'Singtel Prepaid', 'StarHub Mobile Top-Up').
  4. 4Enter your registered mobile number as the 'Biller Account Number'.
  5. 5Key in the top-up amount. Most banks support $10–$500 in one transaction.
  6. 6Authorise with your PIN, OTP, or biometric authentication.
  7. 7Note the transaction reference number. Credits may take up to 30 minutes for some carriers.

Fees & Surcharges

Most major Singapore banks charge zero fees for bill payment to registered telco billers. Always verify in your bank's fee schedule.

Supported Carriers

SingtelStarHubM1Circles.Life (select banks)
Quick Summary
Pros
  • Secure — uses bank-grade authentication
  • High top-up limits useful for group or bulk top-ups
  • Full paper trail in your bank statement
  • No cash handling required
Cons
  • Processing can take up to 30 minutes
  • Fewer MVNOs listed as billers
  • Requires existing internet banking registration
  • Not suitable for urgent, immediate top-ups
Method 5

Top-Up Cards (FairPrice, Watsons, Guardian & More)

Step-by-Step Instructions

  1. 1Purchase a prepaid top-up card at FairPrice supermarkets, Watsons, Guardian, Popular bookstores, or selected petrol kiosks.
  2. 2Choose the card for your specific carrier — cards are carrier-specific and NOT interchangeable.
  3. 3Pay at the cashier. The card PIN is activated at point of purchase (scratch-off or sealed PIN).
  4. 4Dial your carrier's top-up short code (e.g., Singtel: *100*PIN#, StarHub: *122*PIN#, M1: *141*PIN#) from your SIM.
  5. 5Alternatively, log into your carrier's app or website and enter the PIN under 'Redeem Voucher / Top-Up Code'.
  6. 6Press call or submit. An automated voice or on-screen message confirms the top-up.
  7. 7Keep the card or receipt as proof — PINs cannot be reissued if lost.

Fees & Surcharges

No fees — the card face value equals the credit added. Retailer prices are fixed by the carrier.

Supported Carriers

SingtelStarHubM1TPG Mobile
Quick Summary
Pros
  • Ideal gift for elderly relatives or children
  • No internet or bank account needed
  • Widely sold island-wide
  • Cards are physical proof of payment
Cons
  • Carrier-specific — cannot be used cross-network
  • PIN can be scratched off accidentally
  • Retailer stock may run out
  • Less flexible top-up denominations than online
Method 6

International Top-Up Platforms

Step-by-Step Instructions

  1. 1Visit a platform such as Ding, MobileRecharge.com, Recharge.com, or Airtime (commonly used by overseas families).
  2. 2Select 'Singapore' as the destination country and enter the recipient's mobile number.
  3. 3The platform auto-detects the carrier; verify it matches the recipient's actual SIM.
  4. 4Choose a top-up amount. Note that amounts are often in SGD equivalent but you pay in your local currency.
  5. 5Review the exchange rate and platform fee — these vary significantly between services.
  6. 6Pay via credit card, PayPal, or international payment methods available on the platform.
  7. 7The recipient receives an SMS notification once the top-up is applied, usually within 5–15 minutes.

Fees & Surcharges

Platform fees range from 2{decdee9d830f0629083b6cc2440ceeeaf046cc2adb7946ae5332d6473741b0c6}–8{decdee9d830f0629083b6cc2440ceeeaf046cc2adb7946ae5332d6473741b0c6} of the top-up value plus currency conversion charges. Always compare the effective rate before confirming.

Supported Carriers

SingtelStarHubM1TPG MobileGOMO (platform-dependent)
Quick Summary
Pros
  • Send top-ups from anywhere in the world
  • Great for families abroad supporting relatives in SG
  • Multiple payment methods accepted
  • Competitive rates on trusted platforms
Cons
  • Platform fees and FX charges add cost
  • Delays possible (up to 30 min) on first-time use
  • Scam platforms exist — use only verified services
  • Less control for the recipient vs self-service top-up

Not sure which method suits you?

Our Comparison Table ranks all six methods by speed, cost, and convenience — side by side.

View Comparison Table
Side-by-Side Comparison

All Top-Up Methods at a Glance

Use this table to find the fastest, cheapest and most convenient way to top up your prepaid SIM in Singapore. Our editors' pick is highlighted in blue.

Mobile AppEditor's Pick
SpeedInstant
Convenience⭐⭐⭐⭐⭐
Min / Max AmountS$5 / S$500
FeeFree
Carriers SupportedSingtel, StarHub, M1, GOMO, Circles.Life
Availability24/7
Online Portal
SpeedInstant
Convenience⭐⭐⭐⭐
Min / Max AmountS$10 / S$500
FeeFree
Carriers SupportedSingtel, StarHub, M1
Availability24/7
AXS Machine
SpeedInstant
Convenience⭐⭐⭐
Min / Max AmountS$10 / S$200
FeeS$0.50
Carriers SupportedSingtel, StarHub, M1
AvailabilitySelected hours
7-Eleven / Cheers
SpeedWithin 5 min
Convenience⭐⭐⭐
Min / Max AmountS$5 / S$100
FeeFree
Carriers SupportedSingtel, StarHub, M1, GOMO
Availability24/7 (selected outlets)
Carrier Retail Store
SpeedInstant
Convenience⭐⭐
Min / Max AmountS$10 / S$500
FeeFree
Carriers SupportedSingtel, StarHub, M1, TPG
AvailabilityStore hours only
SMS Top-Up
SpeedWithin 10 min
Convenience⭐⭐⭐
Min / Max AmountS$5 / S$100
FeeFree
Carriers SupportedSingtel, StarHub
Availability24/7
PayNow / Bank Transfer
SpeedWithin 15 min
Convenience⭐⭐⭐⭐
Min / Max AmountS$10 / S$300
FeeFree
Carriers SupportedM1, GOMO, Circles.Life
Availability24/7
Instant / Free / 24/7
Editor's Pick — Best Overall
Fee applies

* Data accurate as of June 2025. Always verify current terms with your carrier before topping up.

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