If you’ve been feeling the pinch from rising grocery prices, higher transport fares, and steeper utility bills — you’re definitely not alone. The Singapore government is stepping in again with timely support: a $190 Cost of Living (COL) top-up that starts rolling out from 28 October 2025.
This one-time payout, announced under Budget 2025, aims to help low- and middle-income Singaporeans manage daily expenses more comfortably as inflation continues to strain household budgets. The best part? For most eligible citizens, there’s no need to apply — the funds will be credited directly into your bank account.
Why This $190 Payout Matters Right Now
Let’s be honest — every dollar counts these days. Between rising food costs and transport fees, many households are finding it tougher to stretch their paychecks. The $190 COL top-up is designed as a quick, meaningful way to ease that squeeze before year-end.
According to the Ministry of Finance (MOF), this payout is part of Singapore’s broader Assurance Package, which includes ongoing support measures such as GST Vouchers, CDC vouchers, and U-Save rebates. Together, these initiatives reflect the government’s ongoing effort to ensure that vulnerable groups — seniors, lower-income families, and single-income households — aren’t left behind amid global economic uncertainty.
Who Qualifies for the $190 Cost of Living Top-Up?
Eligibility is automatically determined based on your 2024 income, age, and property ownership. Here’s a simple overview:
| Category | Eligibility | Benefit Amount |
|---|---|---|
| Singapore Citizens | Age 21+, annual income ≤ $34,000 | $190 |
| Seniors (65+) | Living in 1- to 3-room HDB flats | $190 + additional Silver Support |
| Youths (21–30) | Annual income ≤ $24,000 | $190 |
| Homeowners (1 property) | Annual income ≤ $34,000 | $190 |
| Multiple Property Owners | Not eligible | — |
If you meet the criteria, there’s nothing else you need to do. The government will automatically assess your eligibility based on existing records — similar to the GST Voucher scheme.
Make Sure You Get Paid Without Delays
Before the rollout begins, it’s crucial to update your bank and PayNow details by 24 October 2025. Payments will be made only via direct bank transfer — there are no cheques or manual collections.
Here’s what you can do now to ensure a smooth process:
- Link your NRIC to PayNow through your bank’s mobile app.
- Verify your MyInfo profile using Singpass to confirm your bank details are current.
- Check GovCash if you previously opted out of digital payments — re-enrollment may be required.
A few minutes spent reviewing your details today can prevent unnecessary payment delays later.
What This Means for Singaporean Households
This payout is expected to benefit over 1.5 million Singaporeans, helping them handle essentials like food, transport, healthcare, and utilities. It’s especially helpful for seniors living alone, parents juggling school costs, and families planning for year-end expenses.
Beyond the immediate relief, the $190 COL top-up underscores Singapore’s steady approach to building an inclusive economy — one where support is targeted, timely, and fair. The country’s social framework continues to evolve to meet real-world needs, ensuring that as costs rise, so too does the government’s commitment to keeping life affordable for everyone.
Frequently Asked Questions (FAQs)
1. Who qualifies for the $190 Cost of Living Top-Up 2025?
Singapore citizens aged 21 and above with an annual income under $34,000 and owning one or no properties are eligible for the payout.
2. When will the payment be made?
Payouts start from 28 October 2025 and will be credited directly into eligible recipients’ bank accounts.
3. Do I need to apply?
No application is needed. Eligibility will be automatically assessed using existing government data.
4. How do I update my payment details?
Update your PayNow-NRIC linkage and verify your MyInfo records through Singpass before 24 October 2025 to avoid delays.