作為台灣商人，您對新加坡的銀行與房地產市場可能充滿好奇。新加坡是亞洲最重要的金融中心之一，但外籍人士在開戶與置業方面面臨截然不同的條件與成本。本指南協助您在拜訪前先掌握關鍵數字。
As a Taiwanese businessperson, you may be curious about Singapore's banking and real estate market. Singapore is one of Asia's most important financial centres, but foreigners face very different conditions and costs. This guide helps you understand the key numbers before your visit.
01
新加坡銀行開戶指南
Singapore Banking Guide
依身份類別整理——有無就業准証（EP）對開戶條件影響極大
Conditions differ significantly depending on whether you hold an Employment Pass (EP)
| 銀行 | Bank | 戶口類型 | Account Type | 最低存款 | Min. Deposit | 持續最低結餘 | Min. Balance | 難度 | Difficulty |
|---|---|---|---|---|---|---|---|---|---|
| ✅ 持有就業准証（EP / S Pass / 家屬准証） | ✅ With Employment Pass (EP / S Pass / Dependant's Pass) | ||||||||
| DBS 星展銀行 |
Multiplier 儲蓄戶口 | Multiplier Savings Account | — | 無手續費 | No fee | 容易Easy | |||
| OCBC 華僑銀行 |
360 儲蓄戶口 | 360 Savings Account | SGD 3,000 | SGD 3,000 | 容易Easy | ||||
| UOB 大華銀行 |
One Account（需親臨分行） | One Account (branch visit required) | SGD 1,000–3,000 | SGD 1,000 | 容易Easy | ||||
| HSBC 滙豐銀行 |
Everyday Global 多幣戶口 | Everyday Global Account | — | 無 | None | 容易Easy | |||
| ⚠️ 無就業准証（非居民 / 純商務訪客） | ⚠️ Without Employment Pass (Non-resident / Business visitor) | ||||||||
| DBS Treasures 私人理財服務 |
非居民私人理財 | Non-resident Private Banking | SGD 350,000 | SGD 350,000 AUM | 中等門檻Moderate | ||||
| OCBC Premier 私人理財服務 |
非居民私人理財 | Non-resident Premier Banking | SGD 350,000 | SGD 350,000 | 中等Moderate | ||||
| UOB Privilege 最具彈性的非居民選擇 |
非居民理財戶口 | Non-resident Banking | SGD 350,000 | SGD 350,000 | 中等Moderate | ||||
| 🏢 在新加坡成立公司（商業戶口） | 🏢 Via Singapore Company (Business Account) | ||||||||
| OCBC Business Growth |
中小企業首選 | SME First Choice | SGD 1,000 | 無最低 | No minimum | 容易Easy | |||
| DBS / UOB Starter 套餐 |
中小企業套餐 | SME Package | SGD 1,000 | 視乎戶口類型 | Depends on account type | 容易Easy | |||
02
外籍人士置業：ABSD 稅率比較
Property Purchase: ABSD Tax Comparison
台灣護照持有人（無 PR / EP）購買新加坡住宅物業，稅負極重
Taiwanese passport holders (no PR/EP) face significant tax burdens on residential property
| 購買方式 | Purchase Method | ABSD 稅率 | ABSD Rate | 以 SGD 300萬計 | On SGD 3M | 評估 | Assessment |
|---|---|---|---|---|---|---|---|
| 🏠 住宅物業（公寓 / 有地房產） | 🏠 Residential Property (Condo / Landed) | ||||||
|
外籍人士直接購買
Foreign Individual Purchase
台灣護照，無 EP
Taiwan passport, no EP
|
60% |
SGD 1,800,000
另加 BSD ≈ SGD 89,600
|
代價沉重Very costly | ||||
|
透過新加坡公司
Via Singapore Company
私人有限公司（Pte Ltd）
Private Limited Company
|
65% |
SGD 1,950,000
比直接購買更貴！
|
最差選擇Worst option | ||||
|
透過信託
Via Trust
生前信託 / 全權信託
Living Trust / Discretionary Trust
|
65% |
SGD 1,950,000
部分可申請退還，條件嚴格
|
複雜且昂貴Complex & costly | ||||
| 💡 值得考慮的替代方案 | 💡 Alternatives Worth Considering | ||||||
|
先取得永久居留權
Obtain PR First
再以個人名義購買（需時 2–5 年）
Then buy as individual (takes 2–5 years)
|
5% |
SGD 150,000
首個物業適用
|
最佳稅率 / 路途長Best rate / long path | ||||
|
購買商業 / 工業物業
Commercial / Industrial Property
店屋、辦公室、工業單位
Shophouses, offices, industrial units
|
0% |
SGD 0
只需繳付買家印花稅
|
外籍人士可自由購買Open to foreigners | ||||
|
房地產投資信託（REIT）
Real Estate Investment Trust (REIT)
如 CapitaLand、Mapletree 等上市 REIT
e.g. CapitaLand, Mapletree listed REITs
|
0% |
SGD 0 ABSD
間接持有，高流通性
|
聰明的替代方案Smart alternative | ||||
🔢 現實試算：外籍人士住宅購置總成本
🔢 Real Cost Calculator: Residential Purchase
03
下一步建議
Recommended Next Steps
在採取行動前，先理解自己的身份與目標
Before taking action, clarify your residency status and investment goals
1
釐清您在新加坡的身份
Clarify your Singapore residency status
您是否計劃申請就業准証（EP）或永久居留權？這將對銀行開戶及置業稅率產生決定性影響。
Are you planning to apply for an Employment Pass (EP) or Permanent Residency? This is the single most important factor affecting both banking and property tax.
2
非居民銀行開戶門檻
Non-resident banking threshold
如無 EP，三大銀行非居民理財戶口門檻均為 SGD 35 萬（約 TWD 805 萬）；建議在開戶前先諮詢銀行關係經理。
Without EP, the threshold at all three major banks is SGD 350,000 (~TWD 8.05M). Consult a bank relationship manager before proceeding.
3
置業優先考慮商業物業或 REIT
Prioritize commercial property or REITs
如以置業為目的，優先考慮商業物業（如店屋）或上市房地產信託（REIT）——兩者均無須繳付 ABSD，對外籍人士最為友善。
If investing in property, prioritize commercial assets (shophouses) or listed REITs — both have 0% ABSD and are fully open to foreigners.
4
諮詢持牌專業人士
Consult licensed professionals
在作任何決定前，務必咨詢新加坡持牌律師及稅務顧問，以確保符合最新法規。TIREA 可協助您對接新加坡合作律師及房產顧問。
Before any decision, consult a Singapore-licensed lawyer and tax advisor.新加坡金融指南 | 銀行開戶 · 置業策略 | TIREA can connect you with our Singapore partner advisors and attorneys.
本指南僅供參考，不構成法律或財務建議。數據以 2026 年初公開資料為準，如有更改恕不另行通知。匯率僅供參考（1 SGD ≈ 23.0 TWD）。ABSD 稅率請以新加坡 IRAS 官方公告為準。請在作出任何決定前咨詢專業人士。
This guide is for informational purposes only and does not constitute legal or financial advice. Data is based on publicly available information as of early 2026 and is subject to change. Exchange rate is indicative only (1 SGD ≈ 23.0 TWD). ABSD rates should be verified with Singapore's IRAS. Please consult a qualified professional before making any decisions.