U-Save & S&CC Rebates January 2026: What Singapore HDB Homes Get

Utility bills and town council charges add up fast, especially with daily expenses still feeling tight. The good news? More than 950,000 Singaporean households living in HDB flats will see some relief this January, thanks to the latest round of U-Save and S&CC rebates.

According to the Ministry of Finance, these rebates are part of ongoing efforts to help households manage the cost of living. If you’re eligible, you don’t need to apply — the rebates are automatically credited.

How Much Will You Actually Get?

The exact amount depends on your HDB flat type, but for this January payout alone, households can receive up to S$190 in U-Save rebates for utilities, plus up to half a month of Service & Conservancy Charges (S&CC) rebates.

Here’s a clear breakdown so you can check your expected benefits quickly.

HDB Flat Type	GSTV U-Save	AP U-Save	S&CC Rebates	January Total
1-room & 2-room	S$95	S$95	0.5 month	S$190 + 0.5 month
3-room	S$85	S$85	0.5 month	S$170 + 0.5 month
4-room	S$75	S$75	0.5 month	S$150 + 0.5 month
5-room	S$65	S$65	0.5 month	S$130 + 0.5 month
Executive / Multi-generation	S$55	S$55	–	S$110

Bigger Picture: Total Rebates for the Whole Financial Year

January is just one part of the support package. Over the full financial year from April 2025 to March 2026, each eligible household can receive up to S$760 in total U-Save rebates and as much as 3½ months of S&CC rebates.

These rebates are credited quarterly — in April, July, October, and January — so the help is spread out across the year instead of coming all at once.

How the Rebates Are Paid (No Action Needed)

There’s no paperwork, no claims, and no forms to submit.

• U-Save rebates are credited directly to your utilities account with SP Services.
• S&CC rebates are credited to your account with your respective town council.

You’ll simply see lower bills, which honestly speaking, is the best kind of help.

Who Is Eligible — And Who Isn’t?

Eligibility rules matter, especially if your flat is rented out or jointly owned.

U-Save Rebates

You’re eligible if:

• There is at least one Singaporean owner or occupier, or
• If the whole flat is rented out, there is at least one Singaporean tenant.

You’re not eligible if anyone in the household owns more than one property.

S&CC Rebates

You won’t qualify if:

• There is no Singaporean owner or occupier
• Any owner or essential occupier owns or has an interest in a private property
• The entire flat is rented out

If you’re unsure, you can check your status by logging in to My HDBPage via Singpass under Housing & Development Board services.

Important Scam Advisory (Read This)

Government officers will never ask you to transfer money or share bank details over the phone. If anything feels off, call the ScamShield helpline at 1799.

Better safe than sorry.

Why This Matters for Most Singaporeans

For many families — whether you’re in the heartlands or the CBD — these rebates quietly reduce monthly outgoings without you lifting a finger. It’s not cash-in-hand, but it helps keep essential costs like electricity, water, and estate maintenance under control.

No need to overthink. If you’re eligible, the savings will show up automatically.

Frequently Asked Questions

When will the January U-Save and S&CC rebates be credited?

The rebates will be credited in January 2026, directly into your utilities and town council accounts.

Do I need to apply for these rebates?

No. All eligible households receive the rebates automatically.

Can households with rented-out flats still qualify?

Yes, but only if there is at least one Singaporean tenant. Flats fully rented out to non-Singaporeans are not eligible.

Sources (Official Singapore Government Websites)

• Ministry of Finance Singapore – https://www.mof.gov.sg
• Government Benefits Portal – https://www.govbenefits.gov.sg
• CPF Board – https://www.cpf.gov.sg
• Singapore Budget – https://www.singaporebudget.gov.sg