MoneySmart review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
MoneySmart serves Singapore households seeking credit cards, loans and insurance across many categories and learning guides. It brings together card ranges, loan topics, insurance themes and calculators that support confident everyday choices.
Key facts
Personal insurance
Loans
Mortgages
- Initial rate
- 1.28%↗
- Fixed period
- 2 to 5 years↗
- Maximum loan to value
- 75%↗
- Product fee
- SGD 0↗
- Purpose
- Purchase, Remortgage, First-time-buyer, Home-equity↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Covers air miles, cash back, travel, rewards and overseas spending cards
- Includes guides for travel spending, lounge access and foreign applicants
- Offers calculators for stamp duty, property tax and mortgage structures
- Lists personal, home, renovation, education and car loan topics
Cons
- Singapore focus limits relevance for households elsewhere in Europe
- Range centres on cards, loans and insurance without wider money topics
Who it suits
- Travellers who want air miles and lounge access
- Singles and families planning home purchases
- Drivers and homeowners seeking insurance clarity
Who should look elsewhere
- Households outside Singapore
How MoneySmart compares
Frequently asked questions
Which credit card types does MoneySmart cover?+
MoneySmart covers air miles, cash back, travel, rewards, petrol and overseas spending cards alongside options for lounge access. Its guides explain travel spending, overseas use and card selection for foreigners living in Singapore.
Which loan subjects does MoneySmart explain?+
MoneySmart explains personal loans, home loans, refinancing, home equity, debt consolidation, renovation, education, car and short term borrowing. Its materials include guides for singles buying flats, upgrading homes and understanding repayment structures.
Which insurance subjects does MoneySmart explain?+
MoneySmart explains travel, car, maid, home, personal accident, health, life, term and cancer insurance. Its guides explain critical illness, integrated shield plans and medical coverage for trips and cancellations.
Where does MoneySmart focus its information?+
MoneySmart focuses its information on Singapore and Singapore based borrowing, spending and protection needs. Its materials address local housing grants, property tax, stamp duty and motor certificate processes relevant to households there.
What learning tools does MoneySmart provide?+
MoneySmart provides mortgage, stamp duty, property tax, progressive payment and refinancing calculators. Its knowledge hubs gather guides on cards, home loans, renovation loans, health, life, travel, car and home insurance.
Sources
- ms-web-core-production.cdn-moneysmart.com/fonts/Web_EULA.pdf checked September 26, 2026
Backs: Legal entity
“between MoneySmart Singapore Pte Ltd having a place of business at 8 Commonwealth Lane #04-02, Singapore”
- sg.linkedin.com/company/moneysmartgroup checked September 26, 2026
Backs: Founded, Headquarters
“Headquarters, Singapore, Singapore, Type, Privately Held, Founded, 2009”
- moneysmart.sg checked September 26, 2026
Backs: Audience, Premium from
“Foreigner Loan ... Best Credit Cards for Foreigners in Singapore ... International Health Insurance”
- moneysmart.sg/about-us checked September 26, 2026
Backs: Provider type
“MoneySmart helps you compare all the very best personal finance products on the market, while also helping you apply for them quickly and securely.”
- moneysmart.sg/contact-us checked September 26, 2026
Backs: Support channels
“Get Instant Help 24/7 with SmartHelp - Our AI Assistant ... Log a ticket to reach our human support team if you need more help. ... General Enquiry & FAQ”
- moneysmart.sg/home-loan checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Purpose
“Your interest rate stays locked in for an initial period (typically 2-5 years).”
- moneysmart.sg/insurance checked September 26, 2026
Backs: Insurance types, Pricing model, Monthly payments
“Compare Insurance: Travel Insurance, Car Insurance, Maid Insurance, Home Insurance, Personal Accident Insurance, Health Insurance, Life Insurance, Term Insurance, Cancer Insurance, International...”
- moneysmart.sg/loans checked September 26, 2026
Backs: APR, Lender type, Loan types, Use cases
“Check out the Best Personal Loans in Singapore With Interest Rate As Low As 1.00% P.A”
- moneysmart.sg/terms-of-use checked September 26, 2026
Backs: Product fee
“MoneySmart does not charge you a fee for its service in matching you with Lenders unless otherwise stated.”
- moneysmart.sg/travel-insurance checked September 26, 2026
Backs: Claims channels, Cover limit
“Score S$50 Grab Vouchers OR S$50 Shell Vouchers when you're the first to submit a MoneySmart Claim Form at 20:00 SGT daily.”
Compiled from 10 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.