What You Should Know Before Moving To and Living in Singapore

Dreaming of a life in Singapore? I’ve prepared this Singapore living guide to help make your move smooth.

Beyond its cleanliness, cosmopolitan culture, and career opportunities, Singapore is among the world’s safest and most livable places. This city-state has a way of making you feel right at home.

Many expats stay in Singapore because it’s a place that “never stops surprising you.” From its lush green spaces to its ultra-modern shopping malls, you’re never bored here.

Why Singapore is an Attractive Destination for Expats

Singapore’s appeal starts with its reputation for being impeccably clean and safe. You’ll notice the spotless streets and how easy it is to walk around at any hour without a second thought.

This efficiency also extends to its public transportation system—trains and buses run like clockwork, making commuting almost effortless.

But what stands out is Singapore’s cosmopolitan culture. It’s not just a melting pot; it celebrates diversity.

With four official languages, including English, you’ll never feel lost. Communicating in Singapore is easy, which makes adapting to life here smoother than in many other countries.

People move to Singapore for many reasons, but the thriving job market is one of the biggest draws. It’s a hub for finance, tech, and biomedical science industries, offering plenty of career opportunities for expats.

Companies in Singapore also emphasise work-life balance, which might surprise those expecting a fast-paced corporate grind.

A friend from Bradford, England, moved here for a tech job but ended up staying because of the endless experiences.

One day, he’s feasting at a hawker centre; the next, he appreciates the cultural gems in neighbourhoods. Singapore is small, but it packs in more than you’d ever expect!

Moving to Singapore: A Step-by-Step Guide

Moving to Singapore is an exciting journey for expats, but it requires some planning to get it right.

A few things to tick off your checklist, from visas to housing.

1. Singapore Visa Options for Expats

Before packing your bags and heading to Singapore for work, you must acquire the right visa or work pass. Singapore’s strict about this—you can’t start working without it!

The good news is that various work passes suit professionals, entrepreneurs, and trainees. Check out the following visa options so you know which one fits your situation:

Professionals

Employment Pass

This is for foreign professionals, executives, and managers. To qualify, you must earn at least SGD 5,000 monthly and complete the Complementarity Assessment Framework (COMPASS).

An Employment Pass is ideal for high-level finance, IT, and engineering roles.

EntrePass

If you’re an entrepreneur looking to start an innovative, venture-backed business, the EntrePass is your go-to. Singapore living encourages tech and startup culture, so if your idea has potential, you might find this pass suits your needs.

Personalised Employment Pass (PEP)

This pass offers more flexibility than a standard Employment Pass. It’s designed for high-earning Employment Pass holders or overseas professionals.

You can switch jobs without reapplying for a new pass, allowing you to discover better opportunities while staying in Singapore.

Overseas Networks & Expertise Pass

Singapore welcomes top talent in business, sports, arts, and academia. If you’re a recognised expert in any of these areas, this pass introduces you to Singapore’s elite job market.

Skilled and Semi-Skilled Workers

S Pass

This is perfect for skilled workers in roles that require a specific set of expertise but not necessarily a degree. To qualify, you need to earn at least SGD 3,150 a month.

Industries like construction, manufacturing, and healthcare often look for S Pass holders.

Work Permit for Migrant Workers

You’ll need this work permit if you’re in the marine, construction, manufacturing, service, or process sector. It’s aimed at both skilled and semi-skilled workers.

Work Permit for Migrant Domestic Workers (MDWs)

This permit is for those working as domestic helpers in Singapore. It’s popular with families looking for help around the home.

Work Permit for Performing Artistes

Are you a performer looking to work in Singapore’s entertainment scene? This permit allows you to work at public venues like hotels and bars.

Students and Trainees

Training Employment Pass

You’ll need this employment pass if you’re a foreign professional who undergoes practical training. To qualify, you must earn at least SGD 3,000 monthly.

Training Work Permit

Meanwhile, you can apply for this permit if you’re a student undergoing practical training or a semi-skilled foreign trainee. It allows you to work for up to 6 months.

Work Holiday Pass

This is for students and recent graduates from select countries (New Zealand and Australia). Candidates must be 18-30 years old.

The pass lets you work and holiday in Singapore for a maximum of 12 months.

Family Members

Dependant’s Pass

This is for spouses and children of Employment or S Pass holders. It allows your family to stay with you in Singapore.

Long-Term Visit Pass (LTVP)

If you want to bring your parents, disabled children, common-law spouse, or stepchildren, this is the pass you’ll need. But you must be eligible for an Employment or S Pass.

2. Securing a Job in Singapore: What Expats Need to Know

Now, let’s discuss the job market. Singapore’s economy thrives, and several industries are particularly welcoming to expats.

But where should you focus your job search, and what do you need to know to land that dream role?

Industries with High Expat Demand

Singapore is renowned as one of the world’s most prominent business hubs. Industries here cater to a wide array of professional talents, including expats.

If you’re in accounting, finance, or banking, you’re in luck. These sectors are booming here, offering competitive salaries and numerous career opportunities.

Other flourishing industries include information technology, legal services, healthcare, life sciences, and biotechnology. The demand in these sectors continues to rise as the city-state positions itself as a leader in innovation and sustainability.

Singapore also strives toward self-sufficiency in agriculture and food through its expanding bioscience and technology space.

Tourism, energy, and infrastructure are also integral to Singapore’s economy, highlighting its diverse and robust industrial landscape.

Job Search Tips

Breaking into Singapore’s competitive job market can be challenging, but you’ll set yourself up for success with the right approach. Here are five essential tips to help you land a job:

Tip 1 – Start Early

Many employers prefer candidates already in Singapore or plan to relocate soon. Starting your job hunt a few months before your move can give you a head start.

Tip 2 – Prepare Your Official Documents

Before applying, ensure you have all your essential documents ready, such as your birth certificate, ID, and university transcripts. Singaporean employers may request original copies, and some may even ask for a photograph to accompany your CV.

Having everything organised can streamline the process and impress potential employers.

Tip 3 – Update Your LinkedIn and CV

Make your LinkedIn profile shine—treat it like a personal marketing ad. Use relevant keywords that HR professionals or recruiters might search for in your field.

Similarly, your CV should be concise yet impactful (two pages max), with industry-specific keywords to grab attention.

Tip 4 – Treat Job Hunting Like a Full-Time Job

Dedicate daily time to searching for roles, networking, and improving your applications. Be realistic about salary expectations, but note that Singapore’s low tax rates can often balance out a lower base salary.

Tip 5 – Say Yes to Interviews

Even if you’re not 100% sure about a job, attending interviews (in-person or virtual) can be worthwhile. Companies may create positions for suitable candidates but must meet you first to see if you’re the one.

Recruitment Agencies for Expats in Singapore

When applying for jobs as an expat, a few agencies specialise in helping you land the perfect role. These agencies have experience working with international hires and can guide you through securing a job and navigating work permits.

Some of the top agencies include:

• Robert Walters – A global recruiter with expertise in placing expats in Singapore’s finance, technology, and HR industries.
• Michael Page – Focuses on mid to senior-level positions across various sectors.
• Hudson – Known for helping expats in the accounting, legal, and technology sectors.
• Hays Recruitment – This company specialises in the construction, legal, IT, and finance sectors.

3. Choosing Where to Live in Singapore

Chasing city excitement or looking for a peaceful retreat? A single professional, a couple, or moving with a family?

Wherever you opt to live in Singapore, there’s a neighbourhood that meets every goal and lifestyle.

Downtown

Orchard Road

Living in the Orchard area gives you access to top-notch amenities, from world-class shopping to an exciting food scene. Though rents can be higher, the convenience and green spaces nearby make it a desirable location for many expats.

You’ll also find premier clubs like Tanglin Club and The American Club in the area.

Robertson Quay, River Valley, and Mohammed Sultan Road

Young professionals and couples love this area for its proximity to the CBD and lively nightlife. Perfect for those who enjoy an energetic expat lifestyle.

Robertson Quay, with its stylish riverfront condos and upscale dining spots, is a hub for socialising. Meanwhile, UE Square provides a blend of residential and commercial space.

Duxton Hill, Tanjong Pagar, and Chinatown

If you’re a foodie, these neighbourhoods are a dream come true. Close to the CBD, they boast everything from hawker stalls to international cuisine.

Moreover, housing options vary from modern condos to charming shophouses, offering plenty of character and convenience.

Tiong Bahru

Tiong Bahru is an ideal choice for its trendy yet laid-back vibe. Known for its art deco charm, this heritage district is a hotspot for cafes, boutiques, and fresh markets.

This neighbourhood is less frantic than central locations but still has everything you need within walking distance.

City Outskirts

Bukit Timah and Holland Village

Expats love the bohemian vibe of Holland Village and the nature-filled surroundings of Bukit Timah. With easy access to schools, shopping, and jungle-backed parks, these areas are fantastic for nature lovers and families.

Tanglin

This leafy, embassy-filled area is ideal for those seeking tranquillity while staying close to the action. With a mix of grand houses and low-rise condos, it’s perfect for families looking for spacious living.

Also, it has easy access to the Botanic Gardens and Dempsey Hill.

Newton and Novena

Situated just north of Orchard, Novena and Newton offer a blend of high-rise condos and houses. The iconic Newton Food Centre is a must for food enthusiasts.

With relatively affordable rents, it’s an appealing choice for younger expats.

Kovan, Lorong Chuan, Braddell, and Serangoon

These relaxed residential areas are perfect for families. With spacious homes, many gardens, and international schools nearby, it’s no wonder expats love it here.

You’ll also have access to great shopping at NEX Mall and dining options at Serangoon Gardens.

East

East Coast

Stretching from Kallang Basin to Changi Airport, the East Coast has long been a favourite with expats. Its seaside location, spacious condos, and laid-back vibe make it great for families.

East Coast Park is ideal for weekend activities and is well-connected to the city and international schools.

Pasir Ris, Changi, and Loyang

Living close to the airport has its perks, and these neighbourhoods offer easy access to the sea and outdoor activities. Sailing clubs, parks, and nature walks along Changi Boardwalk make this area feel like a coastal retreat.

Tampines, Bedok, and Siglap

These charming neighbourhoods offer a village-like atmosphere, with plenty of local and Western dining options. International schools are nearby, and the proximity to Changi Airport makes it a convenient base for frequent travellers.

Katong and Joo Chiat

For a more local experience, Katong and Joo Chiat are the perfect neighbourhoods. They’re brimming with colourful shophouses, unique shops, karaoke bars, and fantastic hawker stalls.

West

Jurong

It had transformed into a family-friendly neighbourhood with exciting new developments around Jurong Lake. Malls like JEM and J-Cube, international schools, and transport links offer value for money.

Upper Bukit Timah

This area borders the Bukit Timah Nature Reserve, making it great for expats who love greenery and space. Properties here range from good-value condos to semi-detached houses with incredible forest views.

Schools like Dulwich College and International School are conveniently close. There are also plenty of suburban malls and restaurants for day-to-day living.

North

Woodlands

Woodlands is popular with Americans because of its green spaces and friendly vibe. The area is spacious, with larger homes and a strong community feel.

This neighbourhood is close to the Singapore American School. You’re also next to one of the few border crossings into Malaysia, making weekend getaways easy.

South & Southwest

Faber Park

This Singapore neighbourhood offers a more laid-back suburban feel, with leafy streets and a friendly expat community. It’s close to the expressways and massive malls like VivoCity.

Plus, Mount Faber offers stunning views and cable car access to Sentosa.

Sentosa

Sentosa might be your paradise if you’ve dreamed of living on the oceanfront. This area has some of the most luxurious homes in Singapore.

The neighbourhood has beaches, sea breezes, and exclusive amenities like golf courses and a marina. VivoCity and HarbourFront are also nearby for all your shopping needs.

However, this place is listed as one of the most expensive places in Singapore to reside.

Pasir Panjang

Pasir Panjang is home to many older colonial-style houses, and it’s a convenient spot for those working in the CBD.

You’re near Kent Ridge and Labrador Parks for nature walks, and the Southern Ridges offer beautiful trails along the coast.

Northeast

Yio Chu Kang, Seletar, and Yishun

If you’re looking for space and a more suburban lifestyle, these areas offer great value for money. Seletar has an expat-friendly vibe with colonial homes and nearby international schools.

It’s also a great spot for nature lovers, with reservoirs and parks perfect for a weekend hike or bike ride.

How Expensive is Singapore? Breaking Down the Cost of Living

Expats living in Singapore enjoy a futuristic skyline, world-class infrastructure, and a hard-to-beat standard of living. But with all these perks comes a price tag—Singapore ranks among the world’s most expensive cities.

While expats can enjoy a high quality of life here, the cost of living can catch you off guard if you’re unprepared.

Housing and Rental Prices in Singapore

Housing is likely your biggest expense, and where you live will make a significant difference. If you’re renting in popular expat neighbourhoods like Orchard Road, Holland Village, or Sentosa, expect to pay premium rates.

Condominiums in these areas often have pools, gyms, and security. Depending on size and location, a three-bedroom can start from SGD 4,500 monthly.

If you want something more budget-friendly, consider HDB flats(Housing Development Board apartments). These are government-subsidised homes primarily meant for locals but available for ex-pats under certain conditions.

Renting an HDB flat in local areas like Tampines, Woodlands, or Yishun is much more affordable. The monthly costs for a three-bedroom flat can be between SGD 2,500 and SGD 5,000, depending on the condition, location, and accessibility.

Food, Groceries, and Eating Out

One of the best things about living in Singapore is the food. You can choose from cheap and delicious hawker stalls to fine dining experiences.

You can grab a hearty plate of chicken rice or laksa at a hawker centre for just SGD 3 to SGD 5. Dining at mid-range restaurants starts at SGD 45 per person, while high-end restaurants quickly charge upwards of SGD 100 per person.

Groceries are another story. Imported goods, mainly from Western countries, can be pricey.

Expect to pay more for items like cheese, wine, and certain fresh produce. On average, a family of four can expect to spend about SGD 600 to SGD 900 a month on groceries.

But if you stick to local markets and products, you can save up to 30% on your monthly shopping bill.

Transportation Costs

Singapore’s public transport system is reliable, affordable, and extensive. The MRT (Mass Rapid Transit) and buses are the most common ways to get around,

The fares on MRT range from SGD 1.50 to SGD 2.50 per ride, depending on the distance.

Taxis are more expensive but still a viable option. Fares start around SGD 4.05, wherein the price per kilometre is SGD 0.70. Ride-hailing apps like Grab and Gojek are also widely used, offering competitive prices compared to taxis.

Thinking about owning a car in Singapore? Vehicle ownership is notoriously expensive due to high taxes.

The need to buy a Certificate of Entitlement (COE), which alone can cost upwards of SGD 98,000 (a car up to 1600cc and 97KW). Purchasing a new Toyota Camry Hybrid (standard), for example, will cost approximately SGD 250,000 (including taxes and COE).

So, most expats living in Singapore choose to rely on public transport.

Healthcare Expenses

Living in Singapore offers impressive healthcare services, but it’s important to know what you’re getting into as an expat.

Public healthcare is high-quality and much cheaper than private options. It’s also more accessible to Singaporean citizens and permanent residents.

Expats may turn to private healthcare, which is top-notch but comes with a heftier price tag.

The cost of private health insurance for expats depends on their age, health status, and coverage. A 45-year-old might pay around SGD 3,200 a year, but a 25-year-old could pay as little as SGD 1,920.

It is highly recommended that you get a plan covering outpatient and inpatient services. A trip to the doctor for a common cold, including the prescribed medicines, can cost around SGD 50.

If you need emergency care, expect to pay at least SGD 200 or more. Staying in a hospital can be expensive, ranging from $230 to $1,500 per night (plus treatment fees).

Those who prefer public healthcare will still have to pay out of pocket. But the costs are more manageable.

Adapting to Life in Singapore as an Expat

If you move to Singapore, expect your life to be exciting — and a bit overwhelming. This bustling city-state is also known for its multicultural environment, so there’s a unique local culture to adapt to.

Cultural Adaptation

One of the first things you’ll notice about Singapore is its rich multicultural environment. The population is a diverse mix of ethnic Chinese, Malays, Indians, and expats from around the globe.

This diversity is reflected in everything from the food to the festivals, making Singapore an exciting melting pot of cultures.

While English is the primary working language, don’t be surprised if you hear a lot of Singlish. It’s a local slang that combines English with Malay, Hokkien, Tamil, and other languages.

You’ll quickly pick up phrases like “lah” and “can?” in everyday conversations. It’s casual and fun, but it can take some getting used to.

Another local custom you’ll experience early on is “chope-ing” seats at hawker centres with a packet of tissues. Yes, it’s a thing!

Locals place tissue packets, umbrellas, or even name cards on a seat to “chope” (reserve) it while they’re off ordering food. So, if you see a tissue packet on a table, you know someone’s claimed that spot.

Singaporeans also value respect and courtesy, so be mindful of your behaviour in public spaces. For example, always queue up (food, public transport, or at a bank).

Also, avoid eating or drinking on the MRT as it’s considered rude (and you could face a fine). Understanding these small cultural nuances will help you fit in more smoothly.

Work Culture in Singapore

If you’re moving to Singapore for work, it’s important to know the ins and outs of the local work culture. Singapore’s business environment is fast-paced and competitive, with high expectations for efficiency and productivity.

Hierarchy plays a significant role in most workplaces, particularly in local companies. It’s common to show deference to seniors and bosses.

You’ll also notice a tendency toward collectivism—teamwork and consensus are highly valued over individual achievements.

Singapore’s working hours are standard, typically around 44 hours a week. However, it’s not unusual for employees to work extra hours, specifically in industries like finance or tech.

While overtime is sometimes expected, the government has been promoting better work-life balance in recent years, so it’s becoming more common for people to leave the office on time.

Meetings and business dealings in Singapore are often more formal, emphasising punctuality and professionalism.

Emails and meetings are in English, but depending on your industry, you might hear some local languages. Always bring your business cards, as exchanging them is expected in the first meetings.

Making Friends and Building a Social Life

Singapore might feel like a busy metropolis, but building a thriving social life here is possible. For expats, one of the best ways to meet new people is through expat clubs and social groups.

You can check out organisations like The Expat Club Singapore, InterNations, and Meetup. They host regular events that allow expats to socialise, network, and share their experiences.

Prefer something more active? Joining a sports team or fitness classes can help you connect with like-minded people.

Consider language exchanges or cooking classes if you want to enjoy the local culture while making new friends. Singaporeans are friendly and approachable, and they appreciate when expats are interested in local customs or languages.

Lastly, the expat community in Singapore is quite tight-knit, and word-of-mouth goes a long way. Don’t hesitate to ask fellow expats for recommendations on the best places to hang out or fun things to do.

International Schools in Singapore: What Expats Need to Know

One of the biggest concerns when moving to Singapore with kids is finding the right school. Fortunately, Singapore has many international schools catering to expat families.

These schools offer a variety of curricula, including the International Baccalaureate (IB), British, American, and others. So, you can find a program that suits your child’s needs.

Overview of Popular International Schools

A few popular options include:

• Australian International School (AIS) – This school offers Australian, British, and IB curricula, perfect for those seeking a balance of academia and cultural development.
• Dulwich College Singapore—Following a UK-based curriculum, Dulwich College is well-known for its academic excellence and emphasis on the arts and sports.
• Canadian International School (CIS)—This school offers the full IB programme, ideal for families looking for an internationally recognised curriculum with strong global ties.
• Singapore American School (SAS) – Offering an American curriculum, SAS is one of Singapore’s largest and most well-known international schools.
• Nexus International School – This international school stands out for its focus on creating flexible learning spaces and a student-centred approach.
• Lycée Français de Singapour – This school Delivers French-English education, making it ideal for French-speaking ex-pats or parents who want their children to be fluent in the language.
• Dover Court International School is known for its inclusive approach, which strongly supports children’s success regardless of their ability.

Enrollment Processes, Fees, and How to Choose the Right School

Enrolling in an international school in Singapore can be competitive, so starting the process early is a good idea.

Most schools require you to apply, followed by placement tests or interviews. It’s also common for schools to have waiting lists, mainly for specific age groups.

Tuition fees can range from SGD 20,000 to over SGD 40,000 annually, depending on the school and grade level. This doesn’t include additional costs like registration fees, technology fees, or uniforms, so be prepared for these extras.

And yes, there are a few things you should keep in mind during your school search:

Curriculum

Does the school follow a curriculum aligning with your child’s plans? For example, the American system may be a better option if you plan to return to the US.

Location

Traffic in Singapore can be tricky sometimes. So, try to find a school near home or accessible via public transport.

Academic Excellence

What results do their students achieve, including the IB or A-Level programs? You should also consider teacher qualifications—do they have experienced staff?

Values and Culture

Does the school embrace diversity? How do they teach and celebrate values like respect and responsibility?

You’ll want a school that challenges your child academically and fosters good character.

Extracurricular Programs

Learning doesn’t stop in the classroom, so look at the school’s extracurricular programs too. These activities, from sports to arts and community service, are important for building well-rounded students.

Campus and Facilities

Does the school have state-of-the-art labs and modern classrooms? How big is the library?

If your child is interested in music or sports, check if they have the necessary equipment or sports fields.

Steps to Finding the Best Education for Your Kids

1. Research Online

You can get a feel for the school culture by checking out their social media pages. For more personalised insights, join expat Facebook groups or parenting forums.

2. List Your Top 3 Choices

Next, narrow down your options to the top three. Involve your child in this process—after all, they’ll spend much time there.

3, Schedule School Visits

Once you’ve shortlisted your schools, plan a visit. While virtual tours are helpful, nothing beats experiencing a school in person.

You’ll get to see the classrooms, sports facilities, and common areas, and you can ask the staff questions.

4. Tour the Facilities

Are the classrooms modern? Are the facilities well-maintained?

You can chat with teachers and administrative staff to get a sense of the school’s community vibe and teaching philosophy.

5. Understand the Application Process

Some schools may have strict deadlines, while others require entrance exams and interviews. So, ensure to plan ahead.

If your child needs to do an interview or test, give them plenty of time to prepare.

6. Submit the Application

Schools typically require documents like previous school records, passports, and birth certificates. An application fee is also common, so be prepared for that.

Schools can take a while to process applications, particularly during peak times. But don’t hesitate to follow up with the admissions office if you have concerns or questions.

Options for Higher Education for Expat Families

High-performing universities and polytechnics are available for older children or those seeking higher education in Singapore.

The country’s top universities are the National University of Singapore (NUS) and Nanyang Technological University (NTU). They consistently ranked among the best in the world.

Singapore also offers a range of international universities, like Duke-NUS Medical School, which attract students globally. Additionally, local universities are very welcoming to expats, offering degree programs in English across various fields of study.

Polytechnics are another option, offering practical, career-focused programs to students who want to enter the workforce with specialised skills. Institutions like Singapore Polytechnic and Ngee Ann Polytechnic are popular for expat families seeking affordable, high-quality education options.

Understanding Singapore’s Tax System

Taxes can be a pain, specifically when living in a new country. But worry not; Singapore’s tax system is generally straightforward and favourable.

I’ll also help you understand the basics of tax residency, rates, and the filing process as an expat.

Singapore’s tax system is unique as it operates on a territorial basis. So, you’re only taxed on income earned in Singapore.

As an expat in Singapore, you’ll primarily need to focus on your tax residency status and the corresponding tax rates.

Tax Residency Status

Your tax residency status helps determine how much tax you’ll pay. You’re considered a tax resident if you’re in Singapore for at least 183 days a year.

This status comes with lower tax rates and access to certain reliefs. If you’re classified as a non-resident, you’ll be taxed at a flat rate of 15%.

Tax Rates

Singapore uses a progressive tax system for tax residents. Rates start at 0% and rise to 24%, depending on your income bracket. Non-residents typically face a 15% flat tax rate on employment income. Other income, like director’s fees or freelance earnings, is taxed at 24%.

How to File Taxes as an Expat

Filing your taxes in Singapore isn’t as troublesome as you might think. And here’s how you do it:

1. Check if You Need to File

If you earned over SGD 22,000 last year, you must file taxes. Self-employed? File taxes if your profit exceeds SGD 6,000.

And if you’re a non-resident who earned money in Singapore, you’ll need to file taxes, too.

2. Use the IRAS e-Filing System

The easiest way to file is online through IRAS’s e-filing system. Most employers automatically report your income to IRAS, so you only need to verify the information before submitting.

3. Deadlines

Tax season in Singapore runs from January to April, and the filing deadline for electronic submissions is April 18.

Tax Reliefs and Incentives for Expats

Singapore’s tax system offers several relief options that help reduce your taxable income and maximise savings. Here’s a look at some of the most common ones:

Earned Income Relief

You’re eligible for earned income relief if you’re actively employed or running your own business in Singapore. The amount you can claim depends on your age and how much taxable income you earn.

This relief is automatically granted when you submit your tax return, so applying separately is unnecessary.

Spouse Relief

Supporting a spouse? You can be eligible for spouse relief, which acknowledges the financial support provided to a non-working or low-income spouse.

If your spouse is disabled, you may also qualify for handicapped spouse relief.

Qualifying Child Relief

This tax relief is available to either parent (or split between both) for the financial support of your children. There’s also handicapped child relief if your child meets specific conditions.

Course Fees Relief

If you’re investing in upgrading your skills with business-related courses, you can claim relief on the course fees you’ve paid.

Singapore encourages continuous learning and self-improvement, and this relief makes those professional development courses more affordable.

Life Insurance Relief

Paying for life insurance premiums for yourself or your spouse? You might be able to claim relief on your annual premium payments, provided certain conditions are met.

Supplementary Retirement Scheme (SRS)

Planning for retirement? Contributions to the (SRS) are tax-deductible, with a cap on how much you can contribute each year.

The SRS offers an attractive way to save for your golden years. Once you reach retirement age, only half of your withdrawals will be taxable.

Double Taxation Agreements (DTAs)

Singapore has DTAs with many countries, meaning you won’t be taxed twice on the same income. This is particularly helpful for expats earning in Singapore and their home country.

Navigating Singapore’s Healthcare System

Figuring out how the healthcare system works in Singapore and knowing what’s best for you as an expat can take some prep work.

The country’s healthcare system is a mix of public and private options. Both provide high-quality care, but the experience and costs differ.

Public healthcare is the go-to if you wish to save money. You’ll get access to well-trained doctors and efficient facilities, but the trade-off might be longer wait times.

As an expat, you’ll pay more than locals but still find the public system more affordable than private care. If cost is your primary concern and you don’t mind waiting a little longer, public hospitals will work for you.

Private healthcare, on the other hand, offers quicker access to specialists, shorter wait times, and a more personalised experience. However, it comes at a higher price tag, so having medical insurance is necessary if you choose this route.

Do Expats Need Medical Insurance?

Even though Singapore’s healthcare system is top-notch, medical costs (notably in private hospitals) can be pricey. Many expats get insurance through their employer, but you must check what’s covered.

Does your policy only handle emergencies, or does it cover regular check-ups and specialist visits?

Consider private health insurance if your insurance seems a little light or your employer doesn’t provide coverage. It will protect you from unexpected costs and allow you to choose private healthcare if that’s your preference.

How to Find and Register with a GP

A general practitioner (GP) is advantageous when you need non-urgent medical advice, regular check-ups, or specialist referrals.

Singapore has many GP clinics, both in the public and private sectors. And you can easily find one near your home or workplace.

Ask Around

Word-of-mouth is always helpful when asking friends, coworkers, or other expats for recommendations. If someone you know has had a good experience, that’s a great place to start.

Go Online

If personal recommendations aren’t enough, opt for online resources and forums where you can read reviews and compare clinics.

Walk-in or Call Ahead

Once you’ve chosen a GP, you can register directly at the clinic. Some clinics accept walk-ins, while others require appointments.

Furthermore, if you have private health insurance, double-check if your GP is part of the insurer’s network. This ensures your visits are covered.

Best Expat Groups, Networks, and Resources in Singapore

You’ve just arrived in Singapore, jet-lagged and overwhelmed. You’re trying to navigate the public transport system or find a place to buy groceries.

It can be a lot to handle, but it’s much easier when you have friends to help you.

Expat Living Singapore (Facebook Group)

This Facebook group is a go-to for expats looking to ask questions, share advice, or connect with others. Discussions cover everything from finding a good neighbourhood to recommending schools and doctors.

Singapore Expats Forum

This is a popular online forum where expats ask questions and share information about relocating, working, and living in Singapore. You’ll find serious discussions about taxes and visas alongside lighthearted conversations about local events or the best laksa.

InterNations

You can join online forums or participate in events specifically for expats. These let you connect with people who share your interests professionally or socially.

Meetup

This platform hosts various social gatherings and groups tailored to expats. You’ll quickly find your interests, from yoga classes to hiking trips or networking meetups for entrepreneurs.

Reddit

If you’re more of a Reddit person, this community is helpful for newcomers. Here, you’ll meet expats who have already been through the ups and downs of relocating to Singapore.

The American Association of Singapore (AAS)

AAS has supported Americans in Singapore since 1917 but welcomes all nationalities. They host social events, networking opportunities, and even charity fundraisers.

The British Club Singapore

If you’re from the UK or want to surround yourself with people from over 50 nationalities, join the British Club. The club is a home away from home and offers various activities, from sports to themed events.

Canadian Association of Singapore (CAS)

CAS helps Canadian expats stay connected while living abroad. They organise business networking events and social gatherings, such as barbecues and holiday celebrations.

French Association of Singapore (Alliance Française)

This association offers events, cultural programs, and language courses for French nationals or expats interested in French culture. They also organise networking events where expats can meet like-minded individuals.

Australian and New Zealand Association (ANZA)

ANZA is a reliable network for Australians, New Zealanders, and anyone interested in connecting with this community. You can join them for sports, social events, and volunteer opportunities.

The Swiss Club Singapore

Founded in 1871, the Swiss Club is one of Singapore’s oldest expat clubs. While rooted in Swiss traditions, the club is open to expats worldwide and offers social and recreational activities.

The Tanglin Club

One of the most prestigious expat clubs in Singapore, Tanglin Club, provides a luxurious environment for its members and offers a range of activities, from dining and events to sports.

The Hollandse Club

The Hollandse Club is a family-oriented expat club with a laid-back, friendly atmosphere. It organises activities for both kids and adults, including sports, cultural events, and social gatherings.

Final Thoughts: Is Moving to Singapore Worth It?

Moving to Singapore offers expats safety, career growth, and a high quality of life, but it’s not without challenges. The city’s efficient public transport, world-class healthcare, and rich multicultural mix create a vibrant experience.

Opportunities are abundant for professionals in finance and tech, though high living costs and compact housing can be drawbacks. The tropical climate, too, might require some adjusting.

Ultimately, Singapore is ideal if you value security, career growth, and top-tier services—though the cost and heat could be deal-breakers for some.

Frequently Asked Questions