How to Apply Pag-IBIG Membership in Singapore for OFWs

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Pag-IBIG membership for OFWs (Overseas Filipino Workers) in Singapore is essential for those who want to save and invest in the Philippines. Pag-IBIG, or the Home Development Mutual Fund (HDMF), is a Philippine government program that offers housing loans, savings, and investment opportunities for Filipinos.

Enrolling in Pag-IBIG membership while working in Singapore allows OFWs to access these financial services and benefits, helping them save, invest, and secure their future. The process of becoming a Pag-IBIG member in Singapore involves visiting the Philippine Embassy, filling out a Membership Registration/Remittance form, providing necessary documents, and paying membership contributions either at the embassy or through accredited remittance centers.

pagibig membership singapore


The Home Development Mutual Fund Law of 2009, also known as Republic Act 9679, has expanded the PAG-IBIG Fund’s mandatory coverage.  Filipinos working abroad and other people employed by companies with overseas offices must now register with this Pag-IBIG Fund as members.

PAG-IBIG is now able to provide all OFWs the same opportunities that were previously exclusively available to PAG-IBIG members, including the ability to save for their family’s future needs and buy their own homes in the country.


The following benefits are available to all PAG-IBIG members:

  • Savings opportunity: Members contribute a minimum of PHP 200 per month, which helps them build their savings over time. The savings earn dividends annually, which can be a good long-term investment.

  • Housing loans: Members can apply for affordable housing loans to finance their dream homes in the Philippines. These loans have competitive interest rates and flexible repayment terms.

  • Short-term loans: Pag-IBIG members are eligible for short-term loans to address immediate financial needs, such as emergencies or educational expenses.

  • Investment opportunities: The Pag-IBIG Fund also offers investment schemes, like the Modified Pag-IBIG II (MP2) Program, which allows members to invest in a higher-yielding savings plan with a five-year maturity period.

You can also benefit from a variety of programs and services that PAG-IBIG provides as an OFW. These include:

  • Calamity loan assistance
  • Death and disability benefits
  • Financial Assistance Programs
  • Housing programs
  • Livelihood programs
  • Multipurpose Loan Programs
  • Retirement benefits


The following will be needed to apply for membership in the PAG-IBIG Fund as of January 1, 2010, following the signing of Republic Act No. 9679:

  • All SSS and GSIS members who are employees, workers, professionals, officers, and companies
  • Everyone who serves on constitutional commissions and the judiciary
  • Filipinos working for foreign-based companies, either locally or abroad
  • Overseas Filipino Workers (OFWs)
  • Uniformed members of the Philippine National Police, the Bureau of Fire Protection, the Bureau of Jail Management and Penology, and the Armed Forces of the Philippines


The following are the requirements for PAG-IBIG membership:

  • Completely filled-up Members Registration Form (MRF)
  • Original or photocopy of Philippine Passport, NRIC, E-Pass, S-Pass, or Work Permit

There are many ways to apply and pay for PAG-IBIG membership in Singapore.

How to Register PAG-IBIG Membership in Singapore via Philippine Embassy / MWO Office

Step 1: Gather all of the necessary requirements.

Step 2: Go to the Philippine Embassy / MWO-POLO office.

Step 3: The assigned security personnel will ask what your inquiry is. To avoid long lines, bring the complete set of requirements.

Step 4: Get a token number from the assigned personnel.

Step 5: Go to the processing window and submit your documents.

Step 6: Pay membership fees.

Step 7: Wait for the PAG-IBIG Fund receipt.

You are now a member of PAG-IBIG!

how to access pagibig fund online ofw

How to Register Virtual PAG-IBIG Membership in Singapore? – Online

Step 1: Visit the PAG-IBIG Website here –

Step 2: Scroll down and click the “Virtual PAG-IBIG Members” under e-Services.

Step 3: Click “Be a Member” and “Register” buttons.

Step 4: Fill in all the needed information then click the “Submit” button.

Step 5: After that, fill in all the member information then click the “Next” button.

Step 6: Fill in all the information in Other info, choose the method of your payment, then click the “Next” button.

Step 7: Input your complete permanent and present address then click the “Next” button.

Step 8: Input your present contact details then click the “Next” button.

Step 9: Following that, input your beneficiary or family member and their information, click “Save” then click the “Next” button.

Step 10: Choose your membership category then click the “Next” button.

Step 11: Review all the details before clicking the “Submit Registration” button.

Step 12: There will appear a successful registration page.  Read it, then scroll down to get your membership data form, which should also include your RTN (Reference Tracking Number).

Step 13: Your official membership ID number will be texted to you by PAG-IBIG in a few days.

Step 14: You can now pay your contributions!

You can pay your contributions by opening the link and clicking the “Pay Online” button here –

Pag-IBIG Payment Branches in Singapore

Other ways to continue the contribution, the members can pay on the following list:

  • Metro Remittance (S) Pte Ltd- #03-30 Lucky Plaza
  • Iremit (S) Pte Ltd – #03-69/70 Lucky Plaza
  • Philippine National Bank – #02-30/31 & #03-02/07 Lucky Plaza
  • Pinoy Express – 02-47 Lucky Plaza
  • Brunphil – #02-83 Lucky Plaza

For more details, you can reach MWO/POLO Singapore via:

  • Email:
  • Contact Number: (65) 6737 3977 Loc. 106 / (65) 9853 3147

Video: How to Register In PAG IBIG Online Registration | PAG-IBIG Membership Online Register Tutorial 2022

Watch the video below to know more about how to register for PAG-IBIG Online. The Youtuber shares her experience and outlines how to apply for PAG-IBIG membership online.

Frequently Asked Questions

If you have any further questions regarding “How to apply for and pay PAG-IBIG membership in Singapore”, see the list of frequently asked questions and answers below.

1. How does an OFW join PAG-IBIG?

There are numerous methods to join PAG-IBIG. You may apply by paying the membership fee to PAG-IBIG directly or through an authorized PAG-IBIG savings bank.

2. What benefits come with PAG-IBIG membership?

Members of PAG-IBIG are eligible for several kinds of benefits, including home loans, death and disability insurance, as well as money to help pay for educational and medical expenses.

3. How frequently do I have to contribute?

You have a choice of making monthly, quarterly, semi-annual, or annual contributions. To keep the benefits active, you must make your contributions on a regular, monthly basis.

4. What happens if I don’t make any more PAG-IBIG contributions?

Your PAG-IBIG benefits will be terminated if you stop making contributions to the account. The needed contributions plus interest must be paid to reactivate your account.

5. When is it possible for a PAG-IBIG member who is enrolled in PAG-IBIG (1) to withdraw his or her contributions?

After 20 years of Fund membership and 240 monthly contributions, a member is eligible to claim his Total Accumulated Value (TAV).

Under the following legal justifications, a member may also take their savings before the 20-year maturity:

  • Death of the member
  • Insanity
  • Optional withdrawal after 10 or 15 years of continuous contributions
  • Permanent departure from the country
  • Permanent or total physical disability
  • Retirement
  • Termination from service by reason of health


OFWs and Filipino migrant workers can make substantial savings by joining PAG-IBIG. This fund provides OFWs with the financial security and assistance they need to create a better life for themselves and their family through its numerous benefits and programs.

Through the PAG-IBIG website and Philippine Embassy in Singapore or the POLO/POEA office in Singapore, OFWs can apply for PAG-IBIG membership. If you have any inquiries about joining or enjoying your membership benefits, you can get in touch with PAG-IBIG, the Philippine Embassy in Singapore, or POLO/POEA Singapore via its customer service hotline or website.

Contact Information

Pag-IBIG Office in Singapore
Address: Singapore (Asia), c/o Philippine Embassy, 20 Nassim Road Singapore 258395
Telephone: (+65) 6737 3977 loc 106 (+65) 98533147 (Mobile)
Contact Person: Christian Jan T. Oliveros

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