Buy Now, Pay Later

Are you frustrated with other unit trust providers that place your orders only after you have made payment? Do you prefer to time your entry into a particular fund?

Place an order through POEMS and your order will be transacted on the same day!* Upfront cash payment is not required for orders submitted through POEMS.

*Note: Orders must be placed before the cut-off time each day i.e. 3pm. Orders placed after 3pm will be executed on the next business day. On the eve of certain holidays, the cut-off time will be 12pm.

  1. Via bank ATM/internet banking facility:
    • Electronic Payment for Shares (EPS) – Lump Sum Payment
      (preferred option); or
    • GIRO, if you have applied for it. (Not applicable for Cash Management Accounts)
  2. Via cash or cheque payment:
    • Send us a cheque; or
    • Make payment by cash at our main office cashier – Raffles City Tower

    Note: Nets and Credit card payments are not accepted. Payment for trades cannot be made at any of the branches.

  3. Via Bank Internet Banking service:
    • Make payment via the Bill Payment function
      • Participating banks: POSB/DBS, UOB, OCBC, MayBank, Standard Chartered Bank, Citibank
      • Simply enter the full 7 digits of your trading account number.
        If your account has less than 7 digits, please enter the relevant number of zeros before your account number e.g. trading account
        “12345” to be entered as “0012345”

      Note: It usually takes 2-3 working days for us to receive your payment. For Citibank bill payment, it will take 5-7 working days.


  • EPS – Lump Sum Payment should be done by 9pm on T (Transaction) day.
  • For existing DBS/POSB GIRO applicants with Phillip Securities, deduction will be caried out on T + 1 day after 3.00 pm.
  • Online Bill Payment via internet banking should be performed on T day.
  • All cheques/cash payments must reach cashier latest by 5pm on T+2 day.
  • Investment Account (Margin/Custodian/PCMA) clients should ensure that there are sufficient funds in their accounts before submitting orders.
  • Before the use of CPF-OA money to trade, please ensure that a standing instruction with your CPF investment bank is signed and CPF Investment account Number submitted to Phillip Securities.
  • Phillip Securities Pte Ltd reserve the right to force sell any outstanding purchases. Any losses incurred shall be borne by clients.

Login to POEMS     Open an Account

Phillip Securities Pte Ltd reserves the right to force-sell any purchases made by you if payment is not received within reasonable time span. Any losses incurred shall be borne by you.