Short answer
Below are the required documents for Singaporean businesses (KYB):
ACRA Business Profile (≤30 days old) – Official company registration details.
Certificate of Incorporation (COI) – Confirms legal registration.
Company Constitution (Articles of Association) – Governance and operational rules.
Corporate Structure – Shareholder Register / Shareholding Pattern with % holdings.
Director Structure – List of directors, roles, responsibilities.
Board Resolution – Confirms authority to act for the entity.
Proof of Address – ACRA-registered address; if operating elsewhere, utility bill / lease / bank statement (≤3 months).
Proof of Nature of Business – Invoice(s) or Service Agreement(s) confirming active operations.
Shareholder / UBO Information – Identity + Address proof for UBOs (≥25% ownership/control; ≥10% for high-risk; else senior managing official).
Representative Information (if applicable) – Identity + Address proof for authorized signatories + authority (Board Resolution/POA).
Additional Documents (Risk-based): Financial Statements, Source of Funds/Wealth, Sector Licenses, Import/Export Permits.
Long answer
Detailed list of documents required for Singapore KYB:
ACRA Business Profile (≤30 days old)
What it is: Official record issued by the Accounting and Corporate Regulatory Authority (ACRA), showing registration details, activities, and registered address.
Where to obtain: Downloadable from ACRA BizFile+ portal.
Certificate of Incorporation (COI)
What it is: State-issued document confirming the company is legally incorporated.
Where to obtain: ACRA BizFile+ portal.
Company Constitution (Articles of Association)
What it is: Governing document outlining internal rules and shareholder rights.
Where to obtain: Filed with ACRA during incorporation, available via BizFile+.
Alternative: Certified copies may be obtained from the Company Secretary.
Corporate Structure
What it is: Ownership structure with names of shareholders and % holdings.
Where to obtain: Shareholder Register (internal / Company Secretary records), BizFile+ filings.
Alternative: Shareholder Agreement confirming % holdings.
Director Structure
What it is: List of directors, their roles, and responsibilities.
Where to obtain: Filed with ACRA, accessible via BizFile+.
Alternative: Board Resolution or Appointment Letters signed by Company Secretary.
Board Resolution
What it is: Document authorizing persons to act on behalf of the company (e.g., opening account, transactions).
Where to obtain: Company Secretary / Board Records.
Proof of Address (POA)
What it is: Confirms the company’s registered or operating address.
Accepted Documents:
ACRA-registered address (BizFile).
If operating address differs: Utility Bill, Bank Statement, or Lease Agreement (≤3 months).
Proof of Nature of Business
What it is: Validates company’s actual business activity.
Accepted Documents: Invoice(s) issued by company to clients, Service Agreement(s) or Contract(s) with clients/vendors.
Shareholder / UBO Information
What it is: Identity and address details of shareholders and UBOs.
Requirement: UBOs with ≥25% ownership/control (≥10% for high-risk). If no individual meets threshold, verify the senior managing official.
Required Documents: Identity (NRIC/Passport/FIN), Proof of Address (≤3 months).
Representative Information (if applicable)
What it is: Details of authorized person acting for the entity.
Required Documents: Identity (NRIC/Passport), Proof of Address (≤3 months), Board Resolution / POA confirming authority.
Additional Documents (Risk-based)
Examples:
Latest audited financial statements or management accounts.
Source of funds & wealth (bank statements, tax returns).
Sector-specific Licenses (e.g., MAS, healthcare).
Import/Export Permits for cross-border trade.
COMPANY ONBOARDING & KYB DOCUMENTATION CHECKLIST
Document | Purpose | Where to Get It | Tick |
Certificate of Incorporation (COI) | Confirms legal registration of the entity | ACRA BizFile+ portal | ☐ |
ACRA Business Profile (≤30 days old) | Verifies registration details, business activities, and registered address | ACRA BizFile+ portal | ☐ |
Company Constitution (Articles of Association) | Outlines governance and operational rules | ACRA BizFile+ portal / Company Secretary | ☐ |
Shareholder Register / Shareholding Pattern | Confirms ownership structure & % holdings | Company Secretary / Internal corporate records / ACRA filings | ☐ |
Board Resolution authorising account opening/transactions | Confirms authority to act on behalf of entity | Company Secretary / Board records | ☐ |
List of Directors with roles & responsibilities | Identifies controllers of the entity | ACRA BizFile+ portal / Company Secretary | ☐ |
Proof of Registered Address | Confirms registered office location | ACRA BizFile+ portal | ☐ |
Proof of Operating Address (if different) | Verifies actual place of operations | Utility bill / Bank statement / Lease agreement (≤3 months old) | ☐ |
Proof of Nature of Business | Confirms active operations and legitimacy of business | Invoices / Service Agreements / Contracts (company’s accounts team or clients) | ☐ |
Identity Proof of each Director, UBO (≥25%), and Authorised Signatory | Verifies identity of key individuals | NRIC (citizens/PRs), Passport (foreigners), FIN card (pass holders) | ☐ |
Address Proof of each Director, UBO, and Authorised Signatory | Confirms residential address | Utility bill / Bank statement / Tenancy agreement (≤3 months old) | ☐ |
Sector-specific licences (if applicable) | Confirms legal authority to operate in regulated sector | Relevant Singapore regulator (e.g., MAS, CEA) | ☐ |
Latest audited financial statements or management accounts (risk-based) | Demonstrates financial standing and ongoing operations | Company finance department / Auditor | ☐ |
Source of funds / Source of wealth declaration (risk-based) | Confirms legitimacy of funds | Provided by client / Company’s own declaration | ☐ |
Import/export permits (if applicable) | Required for cross-border trade activities | Singapore Customs | ☐ |