Home · Exit utilities
Utilities & telecom exit handover
Kill SP, fibre, and GIRO on purpose. Match notice windows to key handover — then keep enough SGD for finals and ETFs.
Last reviewed 2026-09-15
Leaving a flat or leaving Singapore — tear down SP Group / water, fibre, mobile, and condo facilities GIRO so final bills and deposits settle before the bank rail dies.
Inventory every utility UEN on the unit
SP electricity/gas, PUB water (often via SP), fibre ISP, mobile lines, condo MCST / facilities app, and occasional LPG or broadband TV add-ons each have their own closure clock. Screenshot account numbers and the NRIC/FIN on file before you give notice to the landlord.
- List SP, ISP, mobile, MCST, and any GIRO-linked lifestyle apps tied to the address
- Confirm whether the landlord or agent will take over any account mid-cycle
- Export 12 months of bills while e-services still accept your Singpass / FIN login
Match notice windows to key-handover day
Fibre and mobile contracts often need 30–90 days’ notice or early-termination fees. SP / water moves usually want several working days before the meter read. Align cancellation requests with the TA end date and diplomatic-clause exit so you are not paying for an empty week — and not blacked out on move-out day.
- Ask ISP for ETF vs remaining contract months in writing
- Book SP final meter appointment before the agent’s checkout photos
- Keep mobile data alive through Changi day if eIA / banking 2FA still depends on it
Deposits, final bills, and forwarding address
Utility deposits and unused prepaid balances refund slowly if the bank account closes first. Give a forwarding email (and overseas address if asked) on every closure ticket. Keep PDF final invoices for the landlord deposit negotiation and for IRAS if any employer reimbursement is mid-flight.
- Do not close the SGD rail that receives SP / ISP refunds until those credit notes clear — see /journeys/bank-exit-closure when that playbook is on main
- Photograph meter readings at handover as backup to the official read
- Ask MCST how long the condo deposit refund takes after move-out
Kill GIRO and app autopay deliberately
Cancelling the service does not always cancel the bank GIRO mandate. Remove SP eService autopay, ISP card-on-file, and condo app wallets explicitly. A ghost GIRO after you leave can bounce, ding credit, or block bank closure.
- Cancel at the biller and confirm the bank mandate status
- Remove stored cards from ISP / telco apps before deleting the apps
- Watch one billing cycle after cancellation for surprise retries
Company housing and shared accounts
If the unit is company-leased, HR or the housing agent may own the SP and fibre accounts. Confirm who files the closure and who pays ETF before you assume personal liability. Shared housemate accounts need a written novation — not a WhatsApp “I’ll take over.”
- Get HR / agent confirmation of which UENs they will close
- Do not leave your FIN as the registered consumer on a unit you no longer control
- Document any ETF the company will reimburse
Cash float for finals and early-termination fees
Budget one more utility cycle plus any fibre ETF before remitting the last SGD. IR21 salary withhold can collide with these invoices — sketch withhold timing so rent and utilities do not compete for the same frozen payday.
- Use /tools/ir21-withhold to sketch employer clearance timing vs final bills
- Keep first-month cash logic separate from exit float: /tools/setup-cash
- Leaving playbook still owns deposit recovery and shipping sequencing
This playbook is editorial guidance, not legal or tax advice. Confirm current IRAS and MOM requirements before you act.
Related: Leaving playbook · IR21 withhold sketch · Lease notice sketch