What is my application/policy reference number?

An Application Reference Number (ARN) is given to you by the financial service provider after you complete the online application form. Each application for a financial product has a unique number.

How do I find my application reference number? 

There are different types of Application Reference Numbers (ARNs) generated by different providers. 

Click here to view example images as a reference and find your Application Reference Number:

1. Referencing the end of your application form 
2. Referencing the email acknowledgment sent by the provider 
3. By reaching out to the respective provider

We recommend copying and pasting the reference numbers from the providers to prevent accidental errors.

Below are a few samples provided by our partners as a reference:

Provider	Credit Card	Personal Loan	Savings Accounts	Investments
American Express	YYYYxxxxxxxxxxSGD e.g.2021xxxxxxxxxxSGD (17 characters inclusive of the year and letter SGD)	-	-	-
Bank of China (BOC)	SG-A-2021-xxxxx	-	-	-
Citibank	12 alphanumeric characters (e.g. A1B23CD456EF)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the Citibank Loan application form. Eg(xxxx1234)	Citigold: 12 alphanumeric  characters (e.g. A1B23CD456EF) or 17 Numerics (e.g.xxxxxxxxxxxxxxxxx) Citi Plus: 12 alphanumeric characters (e.g. A1B23CD456EF)	-
	Credit Card Personal Loan
CIMB	6-8 alphanumeric characters (e.g. 1-xxxxxxx) For CIMB Preferred, please enter your NRIC number.	23 alphanumeric characters (e.g. CIMBxxxxxxxxxxCashloan)	-	-
DBS	MBAxxxxxxxxxxxxxxAxx	-	-	The application reference number or account number is D - (unique 10 digits)
HSBC	17 Digits Eg(XXXXXXXXXXXXXXXXX) If you did not manage to capture the reference above, you may indicate the last 4 digits of your mobile number which was used in the HSBC application form.  Eg (xxxx1234)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)	No reference number is given. Please include the last 4 digits of your mobile number which was used in the HSBC application form. Eg(xxxx1234)
	HSBC Credit card reference number can be found at the Application Result Screen.
Maybank	15 alphanumeric characters (e.g.  Wxxxxxxxxxxxxxx) or 17 numeric characters (e.g. Ref-xxxxxxxxxxxxxxxxx)	-	-	-
OCBC	For Campaign period before 1 August 2023: No reference number given. Please input the name of the product applied for. Campaign period from 1 August 2023 onwards:  Apply through SingSaver website or affiliates and provide your email address Redirected to OCBC website to complete the application form Complete SingSaver Reward Form that is sent to your email address Complete the promotion criteria where applicable Upon confirmation of eligibility by OCBC, applicants will receive a redemption code from OCBC through SMS 2 months after the campaign ends Complete SingSaver Reward Validation Form that is sent to your email address with this information: Full name Redemption code from OCBC (that was sent in step 5) SingSaver Redemption Email with instruction on gift redemption will be sent out within 8 weeks upon completion of Reward Validation Form Collect your gift at SingSaver redemption center
Standard Chartered  Bank (SCB)	SGYYYYMMDDxxxxxx	SGYYYYMMDDxxxxxx	BonusSaver Account: SGYYYYMMDDxxxxxx UnlimitedSaver Account +Unlimited Card SGR901-xxx  SGR901-xx	-
	For credit card & personal loans only
United Overseas  Bank (UOB)	From 1 March 2019: SG-YYYY-XXXXXXXX Before 1 March 2019: UCC-YYYYMMDD-XXXXXX	SG-YYYY-xxxxxxxx	Stash Account/ One Account: SG-YYYY-xxxxxxxx	-
	Credit Card & Bank Account
Tiger Brokers	-	-	-	The account number consists of  8-digits  eg: 81234567
Longbridge	-	-	-	The Login ID consists of 8 digits, e.g., 12345678. (You can find this Login ID under the “Me” tab at the bottom right corner of the Longbridge app.)
POEMS	-	-	-	The account number is a 7-digit numeric
ProsperUs	-	-	-	Account Number: The account number is 7-digits and always starts with the number'07'  eg: 07XXXXX *You will receive your account number via email once the account is ready.
Moomoo	-	-	-	Moomoo ID Consists of 9 digits eg: 123456789 (Find this ID under the "Me" tab at the bottom right corner of the Moomoo app)
	1. Get directed to moomoo via web or mobile app 2. Click 'Claim Now' 3. Click 'Open Account' and enter your mobile number to sign up 4. Go through the account sign up process 5. If you are on the mooapp, tap on the 'Me' tab to find your unique moomoo ID 6. If you are on web, tap on the  "moomoo" icon on the top right corner to find your unique moomoo ID Via website Via mobile app
Webull SG	1. Tap “Webull icon” and then tap “Detail” 2. Look at the line below "Webull SG" at the top, the information in brackets is the Webull brokerage account number
CMC Invest	-	-	-	CMC Invest account number consists of: - 6 Digits - Starts with number "7" or "8" e.g: 7xxxxx or 8xxxxx
Trust Instant	1. Tap on your Profile icon on the top right side of the app 2. Select 'Invite and earn a S$10 E-Voucher' to view your referral code 3. The referral code will be required for you to fill your SingSaver Reward Redemption From under "Application Reference Number"

Your reference Number submission should include the FULL alphanumeric format, not just the numeric digits.