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Mon - Fri: 9:00am - 6.30pm

Sat-Sun-Public Holiday: Closed.

Contact Numbers

6348 5167 / 6348 5176

Address

Blk 86, #03-216
Marine Parade Central,
Singapore 440086.

Singapore Mercantile Co-operative Society Limited

The Co-operative is regulated by the Registry of Co-operatives Societies under the Ministry of Culture, Community and Youth.

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OUR SAVINGS SCHEME

The Society promotes savings by offering two Savings Schemes.
Click the button to find out more.

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NEED A LOAN?

The Society offers loans at reasonable interest rates to members to help meet financial commitments

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HAVE A QUESTION ABOUT

OUR SAVINGS AND LOANS SCHEMES?

HAVE A QUESTION ABOUT

OUR SAVINGS AND LOANS SCHEMES?

SMCS

SMCS

We started from a humble beginning in the 1920s when some 50 commercial employees got together to form the Co-operative Society to help one another in times of financial needs.

BE A MEMBER!

BE A MEMBER!

Membership is open to all employees of commercial firms in Singapore i.e. non-government and non-government related companies. 
Membership Information

SAVINGS SCHEMES

SAVINGS SCHEMES

SMCS has schemes to promote savings among members. You can get started easily and affordably. Save with us for as low as $10 per month!
View Savings Schemes

LOANS SCHEMES

LOANS SCHEMES

The Society offers loans at reasonable interest rates to members to help meet their medical, education, renovation and other personal financial purposes. 
View Loans Schemes

OUR CO-OPERATIVE SOCIETY

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Who We Are

The Singapore Mercantile Co-operative Society Ltd started from a humble beginning in the 1920s when some 50 commercial employees got together to form the Co-operative Society to help one another in times of financial needs.

WHY JOIN US

If you are an employee of a commercial firm in Singapore i.e. non-government and non-government related company, join us!

Membership is open to all employees of commercial firms in Singapore i.e. non-government and non-government related companies.

Be a co-owner of the Co-operative

Save regularly through salary deduction arrangement with employers

Have readily available financial assistance when in need

Enjoy dividend as return for membership

Receive grants for hospitalization, funeral, scholarship and other common good purposes

Latest Update

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Cyber Security Seminar Held in Phnom Penh, Cambodia

Representatives from SMCS travelled to Phnom Penh to attend a seminar on Cyber Security. The event was organised over 4 days, from 27 October to 30 October 2023. 

Notice of 94th Annual General Meeting

NOTICE IS HEREBY GIVEN THAT THE NINETY-FOURTH (94TH) ANNUAL GENERAL MEETING of the Members of Singapore Mercantile Co-operative Society Limited will be held at the Suntec Singapore Convention & Exhibition Centre, 1 Raffles Boulevard Suntec City, Room: Summit 1, Level 3, Singapore 039593 on Wednesday, June 25, 2025 at 6.45pm.

Read full notice

Dividend Claim Form (for financial year 2024)

Members who wish to claim their 2024 dividends may do so by filling and submitting the Dividend Claim form (closing date 24 Sep 2025).

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SAVINGS SCHEMES

Subscription Credit

Subscription credit represents members’ regular savings which may be withdrawn upon cessation of membership.

Specific Deposit Account

Specific Deposits are regular savings which may be withdrawn upon giving the Co-operative a minimum notice period.

LOAN SCHEMES

Secured Loan

Loans granted are secured or partially secured up to 100% of members’ Subscription Credit.

Unsecured Loan

Loans are granted without collateral and based largely on the members’ repayment abilities.

JOIN OUR MAILING LIST

Sign up to keep yourself updated with the latest SMCS news.

JOIN OUR MAILING LIST

Sign up to keep yourself updated with the latest SMCS news.

mercantilecoop-logo.png
Established since 18 December 1926

Block 86, Marine Parade Central
#03-216, Singapore 440086

ABOUT SMCS

OUR SCHEMES

LEGAL / GENERAL

mercantilecoop-logo.png

Established on 18 December 1926

Block 86, Marine Parade Central
#03-216, Singapore 440086.

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