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A Guide on How To Write a Cheque in Singapore: Instructions and Tips

Author Gabi Bellairs-LombardGabi Bellairs-Lombard

5 min read
Better Business

Learn how to write a cheque in Singapore with our comprehensive guide. From step-by-step instructions to ensuring accuracy and understanding the cheque-clearing process, we cover it all.

A Guide on How To Write a Cheque in Singapore: Instructions and Tips

Welcome to our step-by-step overview of how to write a cheque that provides essential instructions and security measures to ensure accurate transactions in Singapore.

Writing a cheque may seem like a simple task, but there are certain guidelines and precautions you need to follow to ensure accuracy and security. In this article, we will provide a step-by-step guide on how to write a cheque in Singapore, along with some tips and tricks to make the process efficient and effective.

Understanding the Basics of Writing a Cheque

Before we dive into the specifics, let's start by understanding the basics of writing a cheque. A cheque is a written order instructing your bank to pay a specific amount to a designated recipient. It serves as a form of payment, often used for various transactions, such as bill payments, rent, or personal expenses.

When writing a cheque, you must have sufficient funds in your bank account to cover the amount you intend to pay. Failure to do so may result in the cheque being bounced, incurring additional charges and potential legal consequences. Business owners often use company secretary services to handle this part of business for them so that they don’t make mistakes and remain compliant.

Step-by-step Guide to Writing a Cheque in Singapore

Now, let's move on to the step-by-step guide on how to write a cheque in Singapore:

Step 1: Date and currency

Begin by writing the current date on the top right-hand corner of the cheque. This is important for record-keeping purposes and to establish the validity of the cheque. Then, specify the currency (Singapore dollars) by writing "SGD" or "S$" next to the amount box.

Step 2: Payee's name

In the "Pay" field, write the full name of the person or organisation you are paying on the "Pay" line. Make sure to spell the name correctly to ensure clarity and timely processing.

Step 3: Amount in words and figures

Write the amount in words, starting from the far left of the cheque. Be as specific as possible, including both the dollars and cents. For example, if you are paying $100.50, write "One hundred dollars and fifty cents" or "One hundred and 50/100."

In the box provided, write the numerical amount corresponding to the words you just wrote. For example, for $100.50, write "100.50."

Step 4: Signature and account details

Sign the cheque in the bottom right-hand corner using your consistent signature. Additionally, write your bank account number on the line provided at the bottom of the cheque.

Step 5: Memo or reference (optional)

If desired, write a memo or reference on the line labelled "Memo" or "For." This step is optional and can be used to note the purpose of the payment or any relevant information.

Remember to take your time and double-check all the information before finalising the cheque. Any mistakes or discrepancies may lead to complications and delays in the payment process.

Ensuring Accuracy and Security in Writing a Cheque

When writing a cheque, accuracy and security are of utmost importance. Here are some tips to ensure the process goes smoothly:

  • Use a pen with indelible ink: To prevent alterations or forgeries, always use a pen with indelible ink, preferably black or blue.
  • Write legibly: Make sure your handwriting is clear and legible. Illegible writing may lead to misinterpretation of the amount or recipient's name.
  • Avoid leaving blank spaces: Fill in all the fields on the cheque, including the payee name and amount, to prevent unauthorised modifications.
  • Keep your cheques secure: Store your unused cheques in a safe place, and avoid carrying them around unnecessarily. Report any lost or stolen cheques immediately to your bank.

By following these simple tips, you can minimise the risk of fraudulent activities and ensure the integrity of your cheques. Whether you’re a non-executive director of the business or not, being armed with this knowledge if you ever have to prepare a cheque is essential.

Understanding the Cheque Clearing Process in Singapore

Once you have written a cheque, it undergoes a clearing process to ensure the funds are transferred from your account to the recipient's account. The cheque-clearing process typically involves the following steps:

  1. Deposit of the cheque: The recipient will deposit the cheque into their bank account.
  2. Verification and processing: The recipient's bank verifies the cheque's authenticity and processes it for payment.
  3. Cheque clearing: The amount is debited from your account and credited to the recipient's account through the clearing system. This process may take a few business days to complete.

It's important to note that the clearing process can be delayed if there are discrepancies or issues with the cheque. To avoid delays, always ensure that you have sufficient funds in your account and that the cheque is properly filled out.

Overview of the cheque clearing system in Singapore

Cheque clearing in Singapore involves the banks' processing and verification of cheques. It follows a standardised system to ensure safe and efficient transactions. The process includes presenting the cheque to the bank, verification, clearing, and final settlement.

Timelines and considerations for cheque processing

The time for a cheque to clear in Singapore varies, typically from one to three working days. Factors such as public holidays and cut-off times for cheque depositing can affect the processing timeline. Considering these factors when issuing and receiving cheques is important to manage expectations and maintain proper cash flow.

Common Mistakes To Avoid When Writing a Cheque

Even with proper guidance, mistakes can happen. Here are some common errors to avoid when writing a cheque:

Spelling errors and incorrect amount representation

One common mistake is misspelling the payee's name or incorrectly writing the payment amount. Double-check the spelling and ensure the amount written in words and figures match to avoid confusion or disputes. Failing to do so will make bookkeeping difficult and less streamlined since transactions can’t be reconciled with precise figures and correctly spelled names.

Omissions and mistakes in signature or account details

Neglecting to sign the cheque or providing incorrect account details can lead to rejection or delays in processing. Always ensure you have signed the cheque using your consistent signature and accurately provided your bank account number.

Tips for Writing a Cheque Efficiently and Effectively

Writing a cheque doesn't have to be a daunting task. Here are some tips to help you make the process more efficient and effective:

Using a consistent signature and maintaining chequebook security

Develop a consistent signature that you can replicate accurately. This helps banks verify your identity and prevents fraudulent activities. Keep your chequebook in a secure location to protect it from unauthorised use.

Keeping track of cheque transactions and maintaining records

Maintain a record of cheque transactions, including the payee, date, and amount. This record will help you reconcile your accounts and ensure accurate financial management and is crucial when learning how to write a cash cheque.


Writing a cheque is a fundamental skill useful in various financial situations. You can write cheques confidently and securely in Singapore by understanding the basics, following the step-by-step guidelines, and implementing best practices. If you’re a business owner regularly using cheques for transactions and want to learn more about how to best manage this method along with your accounting, get in touch with our team!

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