Student Finance Matters

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Payments

Popular FAQs

Fee Payment

Fees are due as follows:

Academic Period
Fee Payment Deadline*
Payment Mode
Semester 1
  • Mid of 5th instructional week in September
  • Mid of 7th instructional week in end September/early October
  • All except GIRO
  • GIRO only
Semester 2
  • Mid of 4th instructional week in February
  • Mid of 7th instructional week in Early March
  • All except GIRO
  • GIRO only
Special Term Part 1
  • June
  • All payment modes
Special Term Part 2
  • July
  • All payment modes

*See https://www.nus.edu.sg/finance/students/student-finance-matters/ for exact fee payment due dates

*SCALE students enrolled in Masters, BTech, Specialist Certificate/Certificate, Graduate Certificate and L3 programmes are to refer to the Fee Payment Deadline conveyed via email before the start of each semester.

*If you have applied successfully (within the application deadlines) for MOE Tuition Fee Loan, Student Loan, CPF Education Loan, PSEA, SkillsFuture Credit (SFC), any awards/financial aid to pay for your fees or you have signed your Service Obligation, please pay only the net amount outstanding. You will not be charged a late fee if your awards/financial aid are disbursed to your Student Account after the payment due date.

All students are advised to pay their fees through Interbank GIRO or E-Payment with PayNow QR / Flywire / Convera / Credit Card / Debit Card / Alipay.

Paying your Student Bill with GIRO

Interbank GIRO is an arrangement where you authorize the Bank to deduct money from your bank account (or your parents’ bank account if the bank account indicated in your GIRO Application Form belongs to your parents) and pay to NUS.

GIRO Bank Account is used for payment of Tuition Fee, Miscellaneous Student Fees (Student Services Fee and Health Service Fee), Hostel Fees and other fees such as Transcript Fee.

 

This arrangement requires no further action from you once it has been set up. However, you should ensure there are sufficient funds in the bank account at the time of deduction. To apply for GIRO facility, please follow the steps below:

For instant approval and online Application (DBS/POSB and OCBC account holders only)
Step 1:
Login to: Education Records System (EduRec)
Step 2:
Navigate to Homepage > Financials > Manage Student Financials > Manage Bank Accounts
Step 3:
Click on “Apply for GIRO (online setup for DBS/POSB and OCBC account holders)”

Note: If you would like to apply for GIRO online using a DBS/POSB or OCBC bank account and the account does not belong to you, please ensure that the account holder is present during the online application. The bank account holder needs to log in with his/her credentials (user ID/PIN or ATM card/PIN). Click here for a detailed step by step guide (pg 4-11).
Step 4:
Submit the application online by the submission deadlines above
Manual Setup
Step 1:

Login to: Education Records System (EduRec)
Step 2:
Navigate to Homepage > Financials > Manage Student Financials > Manage Bank Accounts
Step 3:
Click on “Apply for GIRO (manual setup)” and input the required information

Note: The GIRO application form will be pre-populated with the information you have keyed in. Proceed to “Print GIRO Application Form” (at “GIRO Account Details” page) for the bank account holder to sign in accordance with the bank’s records. For accounts operated by thumbprint, please go to the Bank with your identification. Click here for a detailed step by step guide (pg 12-13).

Please note that:
For ICBC accounts: Please refer to Chapter 13 on this guide to obtain yo ur 11-digit GIRO ID.

For BOC accounts: Please refer to Item 8 on BOC Frequently Asked
Questions website for your 11-digit GIRO ID.

Step 4:
Submit the completed form to Office of Finance by the submission deadlines above
Paying your Student Bill online via E-Payment with PayNow QR / Flywire / Convera / Credit Card / Debit Card / Alipay
  1. Login to NUSFastPay with your NUSNET ID and Password
  2. Under Account Dashboard, please click on “Education Records System”
  3. Upon arriving at the Education Records System payment page, key in the payment amount payable and click on “Add to Fees and Charges Cart” To add another Fees / Charges to Cart – Mouse over to Charges and click on the item to make payment for.
  4. If all items added to Fees and Charges Cart are in order, click on “Process Payment” to check out

For hostel rates, please click on the applicable accommodation type at http://nus.edu.sg/osa/student-services/hostel-admission.

Hostel fee is billed by the respective hostels and payable via the University Hostel Management System (UHMS) by stipulated due dates. To find out more details, please see the respective contacts in the Halls of Residence / Student Residences / Residential Colleges listed at http://nus.edu.sg/osa/contact.

Students’ liability for fee payment with regard to Course Withdrawal is as follows:
Student Type
Fee Payment
Undergraduate & Graduate Students
  • Liable to pay fees for the entire semester if students leave NUS after 2nd instructional week of semester
Non-graduating Students
Students’ liability for fee payment with regard to Leave of Absence (LOA) is as follows:
Leave of Absence
Fee Payment
Applied within 2nd instructional week of semester Exempted from paying fees for the semester
Applied after 2nd instructional week of semester Liable to pay fees for the entire semester

For research students who have submitted their thesis, the Health and Insurance Fee will be payable as long as they remain as full-time students and have not been conferred their degrees.

As an international student, you will be charged non-subsidised fees. After you have completed the signing of Service Obligation with MOE, your Student Bill will be revised to the subsidised “International Students with Service Obligation/Graduate Assistantship Programme” fees within 2 weeks.

To avoid late fee payment charge, you may wish to pay your Student Bill first. After the execution of your Service Obligation Agreement, your Student Bill will be adjusted. Any credit balance arising from the adjustment of your fees will be used to offset your next semester’s fees payable. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). If you wish to get a refund for the excess payment made before the final semester of your studies, please log a case via our FAQ Portal. To facilitate the refund, please update your “Receiving Bank Account (Credit Bank Account)” via Education Records System (EduRec) (see FAQs on GIRO Payment).

After you have successfully applied to Office of Human Resources (OHR) for staff concession, your Student Bill will be updated as follows:

Staff who are:
Staff Concession updated in Student Bill:
Existing StudentsBy 2nd instructional week of semester
New StudentsWithin 3 working days after OHR informs Office of Finance of the list of students

Please refer to https://www.nus.edu.sg/registrar/administrative-policies-procedures/undergraduate/responsibility-for-notices-circulars-and-updates-of-personal-particulars.

Upon submission of documents, your Student Bill will be revised after Office of the University Registrar (OUR) has updated your student records.

A separate submission procedure applies for BTech students. An email regarding MOE subsidy eligibility declaration and change of citizenship/residency will be sent to all BTech students before the start of every semester.

If you have outstanding fees after the fee payment due date,
  • A late fee payment charge of $25 will be imposed
  • A Negative Service Indicator (NSI) will be tagged against your Student Account. To check NSI,
    1. Login to Education Records System (EduRec)
    2. Click “My Homepage” for drop-down menu
    3. Select “Others”
    4. Select “Holds”

Students with NSI will:

  • Not be able to view exam results
  • Not be able to enrol for any course
  • Not be able to receive results transcript
  • Not have their theses examined (for research students)
  • Have their student status / conferment letters withheld
  • Have their degree scrolls withheld (for graduating students)

After you have made full payment of the outstanding fees and the payment reflected in your Student Account, the NSI tagged will be reversed the next working day.

Any excess payment over and above the prevailing fees outstanding will remain as a credit balance in your Student Account. This will be used to offset fees payable in the next semester. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). To facilitate the refund, please update your “Receiving Bank Account (Credit Bank Account)” via Education Records System (EduRec) (see FAQs on GIRO Payment). If you wish to get refunded before your final semester of your studies, please log a case via our FAQ Portal.

Depending on the payment mode, payments received will be updated in your Student Account as shown in the table below.

If there is any payment discrepancy, please log a case via our FAQ Portal with your A-series Student Number and proof of payment.

Turnaround Time for Updating of Payment in Student Account

S/N
Mode of Payment
Number of Working Days to update Student Account, excluding the day on which payment is made*
(1)
 GIRO 2-3 working days from date of fund deduction from payer’s bank account
(2)
 E-Payment (PayNow QR / Flywire / Convera / Credit Card / Debit Card / AliPay) 1 working day
(3)
 Local Electronics Funds Transfer 1 working day
(4)
 Telegraphic Transfer (TT) At least 7 working days, depending on completeness of details in TT payment instructions
*The number of days is counted from the date NUS receives payment

Please perform the steps below to have your sponsorship updated in EduRec:

  1. Complete the attached corporate sponsorship form.
  2. Have it signed off and stamped by an authorized personnel in the company.
  3. Student to scan a copy of the completed form and submit the form at our FAQ Portal. For companies submitting the form directly, please email the completed form to ofnbx114@nus.edu.sg.

Please note:

  1. Billing to your company for payment will take place in :
    • Sep/Oct for Semester 1 fees (UGRD students) & Oct/Nov for Semester 1 fees (GRAD students)
    • Feb/Mar for Semester 2 fees (UGRD students) & Mar/April for Semester 2 fees (GRAD students)
  2. If the miscellaneous fees are not covered by your company, the student has to pay the miscellaneous fees by the payment due dates.

For programmes where the fee structure is such that the acceptance fee paid by the student will be offset against the first semester’s billing in Edurec, NUS will not refund you for acceptance fee paid. We will bill your company the tuition fee less off the acceptance fee. If you have paid for the acceptance fee, you can claim the acceptance fee from your company. Please approach the programme administrator should there be queries regarding fee structure.

GIRO Payment

GIRO or General Interbank Recurring Order is a standing instruction that students (or through their parents/guardians) set up with their preferred local banks in Singapore to allow payment to NUS to be deducted electronically when fees are due. It is hassle-free, requiring only a one-time setup effort at no cost. Once set up, payable fees outstanding in the Student Account and/or UHMS Hostel Account are automatically deducted on scheduled fee payment due dates.

Students who sign up for the GIRO scheme can maintain both a “GIRO Bank Account” (for payment to NUS) and a “Receiving Bank Account” (for refund from NUS). Both the “GIRO Bank Account” and “Receiving Bank Account” are bank accounts such as savings account and current account. The same bank account can be used for “GIRO Bank Account” and “Receiving Bank Account.” Please do not update your debit/credit card details in these pages.

The “GIRO Bank Account” is used for payment of Tuition Fee, Miscellaneous Student Fees (Student Services Fee and Health Service Fee), Hostel Fees and other fees such as Transcript Fee.

The “Receiving Bank Account” is used for payment to students, such as refund of credit balance in Student Account and reimbursement of expenses. It is thus important for recipients of scholarships, student loans or bursaries to maintain an updated and accurate “Receiving Bank Account” so that any credit balances can be refunded after offsetting fees.

Before the start of each semester, students will be informed of the GIRO application dates via email sent to their NUS email account. To apply for GIRO facility, please see GIRO Application section here for details.

(a) Students may regard their application as successful as long as their submission is complete, accurate, and within the stipulated application period. They can also check their GIRO Bank Account status in Education Records System (EduRec) which should reflect the status as “Approved”. In the event that the GIRO application is rejected, students will be informed via their NUS email account.

(b) For DBS/POSB, OCBC online application only, the approval is instant and you will see an acknowledgement page after successful application

The GIRO application will be processed to be ready for the next Semester’s GIRO deduction dates. For example, if the deadline for new GIRO application or change of GIRO Bank Account (Debit Bank Account) is on the 16 August 2019 for Semester 1 of AY19/20 and the form is submitted to Office of Finance on 17 August 2019, it will not be in time for AY19/20 Semester 1’s deduction. The application will be processed for the next Semester’s deduction.

As the deduction is effected by NUS’ bank on behalf of the University, there is a processing time of 2 to 3 working days from date of deduction to the date that the fee payment is updated to your Student Account in Education Records System (EduRec).

No. We do not process partial GIRO deduction. Hence, sufficient funds have to be maintained in the authorised bank account for the full deduction. NUS and some banks will impose late payment charge and administrative fee respectively if the deduction is unsuccessful.

No. Please check the deduction status via your Bank Account or Student Account in Education Records System (EduRec) 3 working days after the scheduled deduction date. To find out the reason for the unsuccessful deduction, please contact your bank directly. You will receive a reminder for your outstanding fees through your NUS email account.

Any change in critical information such as bank account number requires the existing standing instruction to be terminated first. To do this,
  1. Login to: Education Records System (EduRec)
  2. Click “My Homepage” for drop-down menu
  3. Select “Financials” >”Manage Student Financials”
  4. Click “Manage Bank Accounts”
For GIRO application that has NOT been approved (for manual setup only)
  1. Click “Cancel GIRO Bank Account”
  2. Click “Submit”
  3. Click “OK”
  4. Repeat steps to “Apply for GIRO (online setup for DBS/POSB, OCBC account holders” or “Apply for GIRO (manual setup)”.
For GIRO application that has been approved (for online and manual setup)
  1. Click “Print GIRO Termination Form” for bank account holder to sign or affix his/her thumbprint (duly verified in the presence of a bank officer) in accordance with the bank’s records
  2. Hand in completed “GIRO Termination Form” (with bank account holder’s signature or verified thumb-print) to Office of Finance, University Hall, Tan Chin Tuan Wing, UHT #03-02, 21 Lower Kent Ridge Road, Singapore 119077
  3. The termination will take effect within 7 working days. Please login to Education Records System (EduRec) to check that the status is “Terminated” before repeating steps to “Apply for GIRO (online setup for DBS/POSB, OCBC account holders” or “Apply for GIRO (manual setup)”.
Any change in critical information such as bank account number requires the existing standing instruction to be terminated first. To do this,
  1. Login to: Education Records System (EduRec)
  2. Click “My Homepage” for drop-down menu
  3. Select “Financials”
  4. Click “Manage Student Financials”
  5. Click “Manage Bank Accounts”
  6. Click “Terminate Receiving Bank Account”
  7. Click “Submit”
  8. Click “OK”
  9. The termination should take effect within 2 working days. Please login to Education Records System (EduRec) to check before repeating steps to “Add a new Receiving Bank Account” with your new account details

Other Payments Modes

E-Payment with PayNow QR / Flywire / Convera / Credit Card / Debit Card / AliPay

From 1 January 2025, foreign-issued Visa, Mastercard, Amex and AliPay payments via NUSFastPay will incur a 3.15% processing fee, while Singapore-issued credit/debit cards will incur a 1% processing fee.

Example: If the tuition fee is S$1,000 (inclusive of GST), paying with a Singapore-issued card will incur a 1% processing fee of S$10 (inclusive of GST), making the total payment S$1,010. Paying with a foreign-issued card will incur a 3.15% processing fee of S$31.50 (inclusive of GST), making the total payment S$1,031.50.

Please note that the payment mode cannot be changed once payment is made.

Students are encouraged to use payment methods such as GIRO, PayNow QR , Flywire or Convera via NUSFastPay, as these do not incur processing fees. Telegraphic transfers are also accepted but are subject to the usual bank charges.

To pay Student Bill online,
  1. Login to NUSFastPay with your NUSNET ID and Password
  2. Under Account Dashboard, please click on “Education Records System”
  3. Upon arriving at the Education Records System payment page, key in the payment amount payable and click on “Add to Fees and Charges Cart” To add another Fees / Charges to Cart – Mouse over to Charges and click on the item to make payment for.
  4. If all items added to Fees and Charges Cart are in order, Click on “Process Payment” to check out
Upon successful payment, a receipt will be generated onscreen. An official receipt will also be sent to your NUS email address.
If you would like to authorise your parent / guardian to pay your fees on your behalf, click on “Third Party Payer” after “Process payment”. A payment request will be emailed to your parent / guardian, key in the email address and name of parent / guardian who should receive this request. Do note that this payment will have to be completed within 2 weeks and your parent / guardian can complete the payment by accessing the payment URL embedded in the payment request.
Any credit balance arising from excess payment will be used to offset your next semester’s fees payable. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). If you wish to get a refund for the excess payment made before the final semester of your studies, please log a case via our FAQ Portal. To facilitate the refund, please update your “Receiving Bank Account (Credit Bank Account)” via Education Records System (EduRec) (see FAQs on GIRO Payment). You may request for the refund to be made to the credit card from which you originally paid from.

Flywire is an easy-to-use payment solution that provides international payers with a streamlined payment experience, which saves institutions and their payers time and money. Flywire allows you to easily and securely make education payments in your own currency, using local payment methods from the safety and convenience of your home. With real-time tracking and around-the-clock multilingual support, millions of students and families around the world trust Flywire for payment processing.

Please refer to the Flywire video guide for an overview of Flywire and step-by-step instructions on how to make a payment.

The full amount you need to pay will be shown on Flywire’s page when you choose your preferred payment option, with no additional fees imposed by Flywire. The amount you pay may include different components such as Flywire’s fees and any foreign exchange or processing fees charged by our partners.

Please note: This does not include any fees from your payment provider (i.e. your bank). It is always recommended to check with them directly if you’re unsure about any additional charges.

Although Flywire offers several payment methods, we will be using it for international wire transfers only with effect from 1 Jan 2026. We will look into expanding to other payment modes at a later stage.

Yes! Flywire will send status updates to the payer email provided during the booking process when:

  • Your funds are received
  • Your funds have been delivered to NUS

These emails will include a tracking link so you can check your payment status anytime. The tracking link in your email allows you to view your payment status on your tracking page. The link remains active for 90 days from the date your payment was created.

If you opted in for SMS status updates when creating the payment request, Flywire will send you text messages when:

  • Your funds are received
  • Your funds have been delivered to NUS

Upon Flywire receiving your funds, the funds should be delivered to NUS within 2-3 days.

Once Flywire delivers the funds to NUS, which will be indicated in your tracking page as “Payment Delivered”, your payment will be reflected in EduRec on the following day.

Please reach out to Flywire’s multilingual support team (available 24/7 via phone, chat, email) immediately for further assistance.

Flywire aims to provide the best price for international payments via bank transfer. If you find a better FX rate at your local bank within two hours of booking a bank transfer payment in your local currency through Flywire, please visit Flywire’s Best Price Guarantee page to find out more and see if Flywire can match the rate offered by your bank. Do note that you may find a better exchange rate on websites such as Google, but these are often interbank rates and are not available to the general public.

When requesting for a Best Price Guarantee application, you will need to provide Flywire with an official bank document or screenshot of your bank’s exchange rate for the same amount booked on Flywire, with a clear date and time stamp within 2 hours of making the payment booking with Flywire.  Flywire will review and determine eligibility within 1 – 2 business days, and our support team will contact you via email with approval or denial and an explanation. Do not send funds before receiving our decision.

If you accidentally close your browser, please refer to the email notification that Flywire sends you. It contains a tracking link that will bring you back to your booking page, where you can retrieve the payment instructions.

All available payment options are automatically displayed when creating a payment booking. If you do not see your preferred payment option in your local currency, unfortunately, it means we do not offer it at this time from your country to your institution.

If there are no options to pay in your local currency, you can select to pay via international bank transfer (SWIFT) in another major currency (e.g. USD, GBP, EUR…).

Do note that your bank may charge additional processing fees when initiating an international wire transfer, which is out of Flywire’s control.

Yes, you can. When creating your payment booking, the second step is to select your preferred payment method. Scroll down to click the button “I want to pay in another currency” and you will be provided with international bank transfer options in other currencies. Please note, if you transfer funds in a non-local currency, your bank may charge additional processing fees for an international wire transfer, which is out of Flywire’s control.

The “Convera” payment mode is for international students to pay your tuition fees and other fees billed in EduRec. Please note that this payment mode can be used to pay for fees from “Education Records System” only. If you add any other fees to your cart, the “Convera” tile will not appear for you to choose. You can also refer to the Convera website for more information.

Please refer to the 📝Convera userguide for the detailed steps.

Local Electronic Funds Transfer

(for alumni or students who have not matriculated only*)

For Current students, these are the recommended payment options. For step-by-step instructions, please refer to this Payment Guide. Only the payment options listed below will be automatically updated in EduRec once received by NUS.
  1. GIRO payment* – Automatic deductions each semester from your authorised Singapore bank account on the scheduled date.
  2. PayNow QR via NUSFastPay – Fast, simple, and secure. Scan the unique QR code linked to your EduRec account for instant payments. Remember to increase your PayNow transfer limit beforehand to avoid transaction issues.
  3. Flywire (for International students) via NUSFastPay – Flywire offers some of the best rates for international bank transfers, enabling students and families to make secure education payments in their own currency using local payment methods, with real-time tracking and 24/7 multilingual support. It also provides a Price Promise Guarantee:, where Flywire may match a better FX rate from a local bank within two hours of booking, noting that publicly displayed interbank rates are not generally available to the public.
  4. Convera (for International students) via NUSFastPay – Competitive rates with no hidden fees, secure and trackable international transfers, and the ability to lock in rates for 72 hours. Includes a Price Promise Guarantee: if your bank offers a lower total price, Convera will match it. Pay in your local currency to reduce exchange rate fluctuations.
  5. Credit/Debit card, Alipay payments via NUSFastPay – Flexible and convenient for quick payments. A processing fee applies: 1% for Singapore-issued cards and 3.15% for foreign-issued cards. The fee is to be borne by the payer.

Important: Options 1–4 are free of additional charges. Once a payment is made, the payment mode cannot be changed.

If you are under a personal bank loan or your company is paying on your behalf, please login here to view our bank details, or contact us via the FAQ Portal for further guidance.

For Alumni and non-matriculated students, kindly submit your request through our FAQ Portal and our team will provide you with the correct payment instructions.

Telegraphic Transfer (TT)

We strongly recommend that international students make fee payments via Flywire or Convera through NUSFastPay. Both platforms offers competitive exchange rates with no hidden fees, are secure and reliable, and payments are automatically updated in EduRec once received by NUS. Payments are made in your local currency to minimise exchange rate fluctuations. Step-by-step instructions are available in the Flywire video and Convera Payment Guide.

Flywire and Convera also offer Best Price Guarantee and Price Promise Guarantee respectively, which may match a lower exchange rate offered by your bank. Please refer to their respective websites for details and terms.

If you are unable to use Flywire or Convera (e.g. payments made under a home country bank loan or company sponsorship), please log in here to view our bank details, or contact us via the FAQ Portal. Our team will advise you on the appropriate next steps.

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