The Singaporean government has announced that in January 2026, qualified citizens will receive substantial U-Save and service and conservancy fee (S&CC) reimbursements. These rebates are a component of the larger cost-of-living assistance programs offered by the Assurance Package and the permanent GST Voucher program, which are intended to reduce daily costs for families with lower and moderate incomes.
Large Utility Rebates for HDB Families
Official releases state that the refund program will assist over 950,000 households residing in Housing and Development Board (HDB) apartments. Next January, eligible households will receive their last quarterly tranche of U-Save and S&CC refunds without having to submit an application because the money will be credited directly to their energy accounts with SP Services and S&CC accounts run by the corresponding town councils.
The U-Save aspect of the refund is supposed to cover a part of the household utility bills. Under the U-Save rebates, homes can receive up to SGD190 U-Save rebates on the January 2026 dividend based on the type of flat. Such quarterly refunds will accumulate to SGD760 in U-Save rebates to every qualifying home during the fiscal year, which is between April 2025 and March 2026.
Extra Assistance via S&CC Rebates
In January, homeowners will receive S&CC reimbursements totaling up to half a month’s worth of costs in addition to the U-Save rebates. Eligible homes will receive the equivalent of around three and a half months’ worth of S&CC rebates during the fiscal year. The S&CC rebate helps residents by lowering their conservancy and service fees, which pay for upkeep and maintenance of the estate.
Eligibility for Rebates and Automatic Payment
If the apartment is partially rented or inhabited, the household must have at least one Singaporean owner or occupier in order to be eligible for the U-Save refunds. At least one Singaporean tenant must live in the apartment if it is fully rented out. These discounts are not available to households with multiple property owners. Recipients won’t need to take any action as all eligible rebates will be disbursed immediately.
Expanded Cost-of-Living Assistance Programs
The U-Save and S&CC rebates are two of several financial assistance programs designed to lower living costs for Singaporeans. In order to mitigate the effects of inflation and increasing goods and services taxes, these measures—which have been included in several recent national budgets—include additional financial aid, such as CDC credits and vouchers.
What will the U-Save Rebate be?
The last quarterly U-Save rebate to all eligible Singaporean households in HDB flats will be in January 2026 in the Financial Year (FY) 2025. Such a disbursement comprises of the elements of permanent GST Voucher (GSTV) scheme, the improved Assurance Package (AP) and the provisions of the Budget 2025 Cost-of-Living (COL) support.
What will be the amount of U-Save rebate on my household in January 2026?
The price depends on the type of HDB flat. In January 2026, the households are to receive up to 190 in U-Save rebates. On the Government Benefits site, the exact amounts of each type of flats in the whole FY2025 (totaling up to $760) are outlined.
Should I be eligible to use the U-Save rebate?
No, there is no step to be made by eligible households. The rebates automatically have a direct credit into your utilities account at SP Services Limited.
How can I use my U-Save rebates?
The rebates of the utility bills (electricity, water, gas and refuse collection bills) are offset by the U-Save rebates. Any balance will be held up in order to offset the bills on utilities in the future and this can only expire after your utilities account is closed. The rebate is not uncashable.
What are the other rebates offered during January 2026?
Besides the U-Save rebate, qualified households will also get up to half a month of Service and Conservancy Charges (S&CC) rebates in January 2026. Moreover, the second portion of $300 CDC Vouchers of the improvements in the Budget 2025 can be redeemed since January 2026.