Remittance is her money — you help with process, not control
When helper sends money home: remittance process (Singapore) is how employers support a migrant domestic worker’s remittances without inventing figures or taking over her account. First payday sits in Helper’s First Payday Checklist (Singapore). Bank account opening sits in Helping Your MDW Open a Bank Account in Singapore. Advances sit in When Your Helper Asks for a Salary Advance or Loan (Singapore). This page owns the remittance support process.
General guidance only. MOM: mom.gov.sg. SmartMaid.com.sg is a marketplace. Licensed EAs may advise. No transfer fees or salary amounts on this page.
Neighbouring hubs:
- Helper’s first payday checklist
- Helping MDW open a bank account
- MDW salary discussion process
- Salary advance or loan process
- Phone and social media boundaries
- Written house rules sheet
- When to loop the agency
- How Smart Maid differs from a maid agency
- This article: remittance process
Step 1 — Align remittance with payday rhythm
Help her plan sends after salary clears — not mid-cycle panic that triggers endless advances (When Your Helper Asks for a Salary Advance or Loan (Singapore)). Keep the payday record habit (Helper’s First Payday Checklist (Singapore)).
Step 2 — She chooses the channel
Bank app, remittance desk, or other lawful channels she prefers. You may help with directions or language once; you do not keep her PINs or force a channel that lets you monitor every send (Helping Your MDW Open a Bank Account in Singapore, Setting Phone and Social Media Boundaries Fairly).
Step 3 — Scam and pressure awareness
Warn gently about:
- Urgent “family emergency” messages that demand secrecy
- Strangers asking her to receive/send money for a fee
- Anyone (including employers) demanding her OTP
If something feels like coercion or trafficking risk, loop EA / MOM channels (When to Loop the Agency Into Early Issues).
Step 4 — What employers should not do
- Hold salary “for safekeeping” without her written request and clear process
- Rank remittance habits by nationality stereotype
- Shame her for supporting family
- Invent public “typical monthly send” figures
Step 5 — Document only when you are financially involved
If you lend for a remittance, use the written advance process (When Your Helper Asks for a Salary Advance or Loan (Singapore)). Otherwise her sends are her business.
MOM rules
Fair wage payment and welfare matter; remittance choices are hers. Confirm employment practice on mom.gov.sg.
Checklist
- Payday rhythm clear before remittance planning
- She controls account / PIN / OTP
- Scam caution shared calmly
- Any employer loan via written advance process
- No salary withholding as “help”
Scripts
To helper: After payday you can send money home your usual way. Keep your OTP private — we will never ask for it. If someone pressures you to send urgently in secret, tell us or the agency.
To EA: Helper asked about remittance timing vs payday. Please advise any common pitfalls we should mention — we will not control her account.
Bottom line
Support remittances with payday clarity and scam awareness — not control. Browse on SmartMaid; employment practice through a licensed EA under MOM rules.
