Singapore $760 Relief Payment 2025 – Who Qualifies, How To Claim, And When It Will Be Paid

The Singapore $760 relief payment 2025 refers to the total U-Save utilities rebates that eligible HDB households receive in FY2025 (April 2025–March 2026).

It is not a cash transfer to your bank. Instead, it’s automatically credited to your SP Services utilities account to lower what you owe on your bills across the year.

In FY2025, the combined support — made up of regular GSTV–U-Save, the Assurance Package (AP) U-Save, and the Budget 2025 Cost-of-Living (COL) U-Save — adds up to as much as S$760 for 1- and 2-room flats, with proportionate totals for larger flat types.

The credits arrive quarterly and appear as bill offsets, not cash.

Who Qualifies In 2025

To receive the FY2025 U-Save (the so-called $760 relief for smaller flats), your household must satisfy all of the following:

• Housing Type: You must live in an HDB flat (private housing is not eligible for U-Save).
• Citizenship Presence (based on rental status):
  • If your flat is not rented or partially rented, at least one Singapore citizen must be an owner or essential occupier.
  • If your flat is fully rented out, at least one Singapore citizen tenant must live there.
• Property-Ownership Rule:
  • If your flat is not/partially rented, no owner or essential occupier may own more than one property.
  • If your flat is fully rented out, no tenant may own more than one property.
• Automatic Crediting: When you meet the rules above and qualify for GSTV–U-Save, the AP U-Save and Budget 2025 COL U-Save are added automatically. No application is required.

Good to know: Eligibility is household-based and tied to the HDB flat and its SP Services utilities account.

Make sure your utilities account reflects the correct eligible household for the address.

How Much You’ll Get (By Flat Type)

The “up to S$760” total applies to 1- and 2-room flats.

Other flat types receive lower (but still significant) totals. Credits are spread across four quarters in FY2025 and offset your bill automatically.

U-Save Totals For FY2025 (April 2025–January 2026)

HDB Flat Type	Apr 2025	Jul 2025	Oct 2025	Jan 2026	FY2025 Total
1- & 2-Room	S$190	S$190	S$190	S$190	S$760
3-Room	S$170	S$170	S$170	S$170	S$680
4-Room	S$150	S$150	S$150	S$150	S$600
5-Room	S$130	S$130	S$130	S$130	S$520
Executive / Multi-Gen	S$110	S$110	S$110	S$110	S$440

Behind the scenes, each quarter combines components such as Regular GSTV–U-Save, AP U-Save, and/or Budget 2025 COL U-Save.

The quarterly totals above are what you’ll see credited to your SP Services account.

When It Will Be Paid (Credited)

FY2025 U-Save rebates are credited in four payout months: April 2025, July 2025, October 2025, and January 2026.

In each of these months, your SP Services bill will show a U-Save rebate line that reduces your payable amount.

Two practical tips:

• No bank deposit: U-Save is a bill credit, not a cash payout.
• Notification: You may receive a note via the SP app or a bill insert indicating that the quarterly credit has been applied.

How To Claim (Exactly What To Do)

There is nothing to claim — but do these quick checks to make sure you receive the full benefit:

• Confirm Eligibility: Ensure your setup meets the HDB, citizenship, and one-property rules in the Who Qualifies section.
• Verify Your Utilities Account: Confirm your SP Services account for the address is active and under the eligible household (owner/essential occupier, or eligible tenant for fully-rented flats).
• Check Your Bill In Payout Months: Look for the U-Save line item on bills for April, July, October 2025 and January 2026. If it’s missing and you believe you’re eligible, contact SP Services.
• If You Move House: Open/close utilities accounts correctly so the credit follows the active, eligible account for your new address.

How The Credit Works On Your Bill

• Bill Credit, Not Cash: The U-Save amount lowers your SP Services bill directly; you won’t see a bank deposit.
• Offset Order: For most households, U-Save first offsets non-electricity SP charges (such as water, gas, refuse collection). Any remaining balance then offsets electricity charges (including OEM retailer bills, if applicable).
• Rollover & No Expiry: U-Save does not expire within the account. If your monthly bill is smaller than the credit, the unused amount rolls over to offset future bills. It cannot be encashed.

Why The Amount Is “Up To” S$760

U-Save is designed to be progressive, directing more support to households living in smaller HDB flats who typically have tighter budgets.

That’s why 1- and 2-room flats receive S$760 in total for FY2025, while 3-room get S$680, 4-room S$600, 5-room S$520, and Executive/Multi-Gen S$440.

Real-World Eligibility Scenarios

Scenario A — Owner-Occupied Or Partially Rented HDB

• Your household includes at least one Singapore citizen as owner or essential occupier; and
• No owner/essential occupier owns more than one property.
  Outcome: Eligible. U-Save is credited automatically to the SP account for the flat in Apr, Jul, Oct 2025 and Jan 2026.

Scenario B — Entire Flat Rented Out

• There is at least one Singapore citizen tenant, and
• No tenant owns more than one property.
  Outcome: The tenant household can qualify for U-Save at that address; the credit offsets the SP Services account serving the flat.

Scenario C — Bill Smaller Than Credit

• Your U-Save credit is more than your monthly bill.
  Outcome: The unused amount rolls over automatically to offset future months (no cash out).

Quick Facts At A Glance

• Programme: U-Save (combining GSTV–U-Save, AP U-Save, Budget 2025 COL U-Save)
• Nature Of Payment: Automatic bill credit to SP Services (utilities offset, not cash)
• Maximum Annual Total (FY2025): Up to S$760 (1- & 2-room flats)
• Other Annual Totals: S$680 (3-room), S$600 (4-room), S$520 (5-room), S$440 (Executive/Multi-Gen)
• Payout Months: April 2025, July 2025, October 2025, January 2026
• Application Needed? No — credited automatically if your household is eligible
• Eligibility Basics: HDB flat + citizenship presence + one-property rule (applies to owners/occupiers or tenants, depending on rental status)
• Rollover: Yes — unused U-Save carries forward; cannot be encashed

Detailed Information

Item	Details (FY2025)
What is the “S$760 relief”?	The U-Save utilities rebate for FY2025 that is credited to your SP Services bill. The “up to S$760” total applies to 1- & 2-room flats; larger flats receive proportionate totals.
Who qualifies?	HDB households with citizenship presence (owner/occupier for not/partially-rented; citizen tenant if fully rented) and where no owner/essential occupier (or tenant, if fully rented) owns more than one property.
How much by flat type?	S$760 (1- & 2-room), S$680 (3-room), S$600 (4-room), S$520 (5-room), S$440 (Executive/Multi-Gen) — split into four quarterly credits.
When is it credited?	Apr 2025, Jul 2025, Oct 2025, Jan 2026 (automatic credits to your utilities account).
Cash or bill credit?	Bill credit only — not cash. The credit reduces what you owe.
Order of offset	Non-electricity SP charges first (water, gas, refuse), then electricity (including OEM retailer bills).
Rollover	Unused U-Save rolls over to future bills. No expiry within the account and cannot be encashed.
What to do now	No application. Ensure your SP Services account is active and under the eligible household; monitor your bill in payout months.

Common Mistakes To Avoid

• Expecting a cash deposit: The $760 is not banked to you; it offsets utilities bills.
• Overlooking the one-property rule: If any owner/essential occupier (or any tenant in a fully rented flat) owns more than one property, the household is not eligible.
• Missing the schedule: The annual total is split into four quarters — April, July, October 2025; January 2026 — not a one-time lump sum.
• Assuming it’s automatic for private housing: U-Save is for HDB households; private properties do not qualify.

FAQs