Singapore's response to scams is comparatively well coordinated, with banks, police and a national anti-scam function connected. The practical consequence is that reporting within the first hour genuinely improves the chance of funds being held.
The bank first
Every major Singapore bank operates a 24/7 fraud reporting hotline, and several provide a kill-switch to freeze accounts immediately from the banking app. Use it. Freezing an account you control costs you an inconvenience; not freezing it can cost the balance.
The police
File a police report online or in person. The report number is required by banks, insurers and platforms, and requesting it later is slower than filing now. For scams in progress involving an immediate threat, call the police emergency line rather than filing online.
ScamShield and the helpline
ScamShield provides a way to check whether a number, message or website has been reported, and to report new ones. The national anti-scam helpline gives guidance if you are unsure whether what you are experiencing is a scam — worth using before money moves rather than after.
If the dispute is with a registered business
Where a real company has failed to deliver, the Consumers Association handles consumer disputes, and the monetary authority handles complaints about financial institutions once the institution's own process has been exhausted.