Whether you're on a prepaid SIM or a postpaid plan, this guide covers every reload channel available across Singapore — from instant in-app top-ups to ATMs, convenience stores, telco websites, and physical service centres. Find the method that fits your lifestyle and never run out of data or talk time again.
Expand any section below for a complete, step-by-step breakdown of how each top-up method works in Singapore — including fees, supported carriers, and insider tips.
Not sure which method suits you?
Compare all six top-up channels side-by-side in our quick reference table below.
Compare every top-up channel across Singapore by speed, cost, and availability — so you always pick the best option for your situation.
Click column headers to sort
Method
Availability
Min. Amount
Processing Time
Fees
Best For
MySingTel / MyStarHub App
AppMost Popular
24/7
S$10
Instant
Free
Own-operator subscribers
AXS Station / AXS m-Station
Kiosk
24/7
S$10
Instant
Free
All major operators
SAM Kiosks (SingPost)
Kiosk
24/7
S$10
Instant
Free
Cash & card users island-wide
Retail Stores (7-Eleven, Cheers)
RetailLowest Minimum
Store Hours
S$5
< 5 min
Free
Cash top-up on the go
Operator Website (Online)
Online
24/7
S$10
Instant
Free
Desktop / laptop users
PayNow / Bank Transfer
Online
24/7
S$10
1–15 min
Free
Banked users preferring transfers
IDD / Overseas Top-Up (Roaming)
Online
24/7
S$10
Up to 24 hr
May vary
Top-up while abroad
Telco Operator Stores
Retail
Business Hours
S$10
< 5 min
Free
In-person assistance needed
MySingTel / MyStarHub App
AppMost Popular
24/7
Min. Amount
S$10
Processing
Instant
Fees
Free
Best For
Own-operator subscribers
AXS Station / AXS m-Station
Kiosk
24/7
Min. Amount
S$10
Processing
Instant
Fees
Free
Best For
All major operators
SAM Kiosks (SingPost)
Kiosk
24/7
Min. Amount
S$10
Processing
Instant
Fees
Free
Best For
Cash & card users island-wide
Retail Stores (7-Eleven, Cheers)
RetailLowest Minimum
Store Hours
Min. Amount
S$5
Processing
< 5 min
Fees
Free
Best For
Cash top-up on the go
Operator Website (Online)
Online
24/7
Min. Amount
S$10
Processing
Instant
Fees
Free
Best For
Desktop / laptop users
PayNow / Bank Transfer
Online
24/7
Min. Amount
S$10
Processing
1–15 min
Fees
Free
Best For
Banked users preferring transfers
IDD / Overseas Top-Up (Roaming)
Online
24/7
Min. Amount
S$10
Processing
Up to 24 hr
Fees
May vary
Best For
Top-up while abroad
Telco Operator Stores
Retail
Business Hours
Min. Amount
S$10
Processing
< 5 min
Fees
Free
Best For
In-person assistance needed
Fastest: Instant
Apps, AXS kiosks, SAM kiosks, and operator websites credit your account immediately.
Lowest Entry: S$5
Retail convenience stores like 7-Eleven and Cheers accept top-ups from as little as S$5.
Note on Overseas Top-Up
IDD / roaming top-ups may incur operator charges. Confirm fees with your provider before topping up abroad.
Information is updated regularly but may vary by operator. Always verify details directly with your telco. sirnba-sg is an independent guide and is not affiliated with any operator.