The following documents are required to complete your KYB verification as a business based in Singapore.
Core business documents
Document | What it confirms |
Certificate of Incorporation (COI) | That your company is legally registered — issued by ACRA |
ACRA Business Profile (not older than 30 days) | Registration details, business activities, and registered address — downloadable from ACRA BizFile+ |
Company Constitution / Articles of Association | How your company is governed — filed with ACRA during incorporation |
Shareholder structure document | Ownership breakdown — Shareholder Register or Shareholding Pattern showing percentage holdings |
Proof of registered business address | ACRA-registered address; if operating address differs, submit utility bill, bank statement, or lease agreement not older than 3 months |
Proof of nature of business | Confirms active operations — invoices issued to clients or service agreements with vendors or customers |
UBO and director verification
For every individual owning or controlling 20% or more of the company, the following are required:
Government-issued ID — NRIC, Passport, or FIN card
Proof of address — utility bill, bank statement, or tenancy agreement not older than 3 months
Liveness check — real-time selfie verification
All directors must also submit identity and address proof.
Documents that may be requested
Depending on your business profile and transaction activity, our compliance team may request:
Board Resolution — confirming authority to act on behalf of the company
Latest audited financial statements or management accounts
Source of funds or source of wealth documentation
Sector-specific licenses (e.g., MAS, healthcare)
Import/Export permits (if applicable)
Submission requirements
All documents must be clear, valid, and legible
Submit as scanned PDF or image files
Ensure company name, address, and director details match exactly across all documents
Questions? Contact us at [email protected]
KYB requirements may vary depending on your business type, structure, and transaction profile. Our compliance team may request additional documents at any stage of the review process.
Detailed document breakdown
Certificate of Incorporation (COI)
State-issued document confirming the company is legally incorporated.
Where to obtain: ACRA BizFile+ portal
ACRA Business Profile (not older than 30 days)
Official record issued by the Accounting and Corporate Regulatory Authority (ACRA), showing registration details, business activities, and registered address.
Where to obtain: ACRA BizFile+ portal
Company Constitution / Articles of Association
Governing document outlining internal rules, structure, and shareholder rights.
Where to obtain: Filed with ACRA during incorporation, available via BizFile+ or from the Company Secretary
Shareholder structure document
Ownership structure listing all shareholders and their percentage holdings.
Accepted documents: Shareholder Register (internal or Company Secretary records), BizFile+ filings, or Shareholder Agreement confirming percentage holdings
Proof of registered business address
Confirms the company's registered or operating address.
Primary: ACRA-registered address via BizFile+
If operating address differs: Utility Bill, Bank Statement, or Lease Agreement not older than 3 months
Proof of nature of business
Validates the company's actual business activity and confirms legitimate operations.
Accepted documents: Invoices issued to clients, Service Agreements or Contracts with clients or vendors
UBO and shareholder information
Identity and address verification for all individuals owning or controlling 20% or more of the company.
Identity: NRIC (citizens and PRs), Passport (foreigners), or FIN card (pass holders)
Address proof: Utility bill, bank statement, or tenancy agreement not older than 3 months
Liveness check required for each UBO
Director information
Identity and address proof for all directors.
Required documents: NRIC, Passport, or FIN card; utility bill, bank statement, or tenancy agreement not older than 3 months
Where to obtain: ACRA BizFile+ or Company Secretary records
Representative information (if applicable)
If an authorised representative is acting on behalf of the company:
Required documents: NRIC or Passport; proof of address; Board Resolution or Power of Attorney confirming authority
Additional documents (risk-based)
Depending on your profile, our compliance team may request:
Latest audited financial statements or management accounts
Source of funds or source of wealth documentation
Sector-specific licenses (e.g., MAS, healthcare regulators)
Import/Export permits for cross-border trade
Document checklist
Document | Purpose | Where to get it |
Certificate of Incorporation (COI) | Confirms legal registration | ACRA BizFile+ portal |
ACRA Business Profile (not older than 30 days) | Verifies registration details and business activities | ACRA BizFile+ portal |
Company Constitution / Articles of Association | Outlines governance and operational rules | ACRA BizFile+ portal or Company Secretary |
Shareholder Register / Shareholding Pattern | Confirms ownership structure and percentage holdings | Company Secretary or internal records |
Proof of registered business address | Confirms registered office location | ACRA BizFile+ portal |
Proof of operating address (if different) | Verifies actual place of operations | Utility bill, bank statement, or lease (not older than 3 months) |
Proof of nature of business | Confirms active and legitimate operations | Invoices, service agreements, or contracts |
Identity proof of each UBO (20% or more), director, and authorised signatory | Verifies identity of key individuals | NRIC, Passport, or FIN card |
Address proof of each UBO, director, and authorised signatory | Confirms residential address | Utility bill, bank statement, or tenancy agreement (not older than 3 months) |
Board Resolution (if applicable) | Confirms authority to act on behalf of the company | Company Secretary or Board records |
Latest financial statements (risk-based) | Demonstrates financial standing | Company finance department or auditor |
Source of funds or wealth documentation (risk-based) | Confirms legitimacy of funds | Company declaration or bank statements |
Sector-specific licenses (if applicable) | Confirms authority to operate in regulated sector | Relevant Singapore regulator (e.g., MAS) |
Import/Export permits (if applicable) | Required for cross-border trade | Singapore Customs |
KYB requirements may vary depending on your business type, structure, and transaction profile. Our compliance team may request additional documents at any stage of the review process.