The most live eGIRO integrations in Singapore.
Built and run for you.
eGIRO lets you pull and receive money straight from a customer's bank — no card, no chargebacks, lower fees. We build every bank connection, run it and maintain it.
Trusted by organisations collecting with eGIRO through Acme
Why Acme is the eGIRO leader
eGIRO in Singapore supports 13+ separate bank integrations, each with its own onboarding, registration and test cycle. We've already done them. Connect once to Acme and reach every participating bank — collections and funding — without touching a bank protocol.
Done for you, end to end
We handle ABS onboarding, keys, certificates and testing with each bank.
Weeks not months
4–6 weeks vs 4–6 months per bank.
You keep custody
Funds move from the payer's bank straight to yours. ISO 27001 certified.
Both sides of the rail
The only partner live for both billing orgs and digital banks.
What eGIRO is
Singapore's instant direct-debit and direct-credit rail. Link a bank in under 2 minutes; collect recurring payments or send funds directly; no card network, no chargebacks, lower MDR.
“50% of new adopters had never used eGIRO before”
“stood up our eGIRO funding flow in weeks”
FAQ
What is eGIRO, and how is it different from paper GIRO?
eGIRO is the digital version of GIRO, Singapore's bank direct-debit scheme, set up by the Association of Banks in Singapore (ABS) and operated by BCS. Your customer authorises a mandate by logging in to their own bank, which takes minutes instead of the roughly three weeks a paper GIRO form takes on average. You can then collect from their account within the limit they set, with no card network and no chargebacks.
Why use Acme instead of integrating eGIRO ourselves?
Doing it yourself means separate onboarding, registration, testing and certificate set-up with each bank, which typically takes 4–6 months per bank. Acme has already built those connections and runs the most live eGIRO integrations in Singapore. We handle ABS onboarding, keys, certificates and testing, and you go live in 4–6 weeks through one API or a hosted page with your logo. After launch, we keep certificates and keys renewed.
Does the money we collect pass through Acme?
No. Your customers authorise the mandate to your own company and bank account, and collected funds move from their bank straight to yours. Acme sends the instructions and returns the status, but never holds or routes the money. Each organisation collecting through Acme is registered as a billing organisation with its own bank. Acme is a non-regulated technology layer, not a bank.
Why does eGIRO cost less than card payments?
Card payments carry a merchant discount rate (MDR): a percentage of every payment, shared between the card issuer, the card network and the acquirer. eGIRO debits move bank to bank, with no card network in the middle and no chargebacks to dispute. Acme itself doesn't take a percentage of what you collect: you pay for the connection, not the volume.
Which banks can customers pay from?
Customers can link accounts at 11 payer banks: Bank of China, CIMB, Citibank, DBS, HSBC, ICBC, MariBank, Maybank, OCBC, Standard Chartered and UOB. Citibank, HSBC and Standard Chartered support retail accounts only. If you collect from businesses, we'll confirm which banks support corporate payers. Banks join the scheme over time, and our API returns each bank's current availability.
How long until we can collect, and how fast does money arrive?
Typically 4–6 weeks to go live. You register as a billing organisation with your own bank, with our guidance, and we handle the ABS onboarding, keys, certificates and testing with each payer bank. Once live, you choose how to collect: on-demand debits over FAST settle within seconds, while scheduled GIRO batch debits settle the next business day (T+1).