Singapore AI Accounting Platform

Minimal effort.
Maximum compliance.

Minloq gives Singapore businesses and accounting firms an AI team that handles bookkeeping, GST, payroll, corporate secretary and financial statements — so you can focus on your clients.

Singapore-specific compliance built in
IRAS · ACRA · CPF · MAS
Data hosted in Singapore

Five AI specialists.
One connected platform.

Most firms cobble together 5–6 separate tools with no intelligence between them. Minloq's bots talk to each other — so your data flows without you touching it.

📄
Ben — Bookkeeping
Upload bank statements, invoices and receipts. Ben reads every Singapore bank format, categorises transactions and builds your review queue automatically.
AVAILABLE NOW
🧾
Gary — GST
GST compliance advisor and F5 summary generator. FYE-aware quarters, Box 7 flagging and PDF export ready for myTax Portal submission.
AVAILABLE NOW
💼
Maya — Payroll
CPF calculations, SDL, payslip generation and IR8A preparation. Staff submit claims via WhatsApp. Maya reconciles and prepares the payroll run.
AVAILABLE NOW
🏛️
Lucy — Corporate Secretary
Share issuance, director resolutions, AGM minutes and Annual Return guidance. ACRA deadline alerts and eSigning-ready documents.
AVAILABLE NOW
📊
Felix — Financial Statements
SFRS-compliant financial statements prepared from Ben's data. P&L, Balance Sheet and Directors' Report — ready for review and filing.
AVAILABLE NOW
🔗
Integration IS the product
Ben's transactions feed Gary's GST return. Maya links payroll to Ben's ledger. Felix pulls from all four. No exports. No manual reconciliation between tools.
MINLOQ DIFFERENCE

From document to compliance.
In minutes, not days.

No complicated setup. No training required. Most clients are live within one business day.

01
Submit documents your way
Upload bank statements and documents via the portal. Staff submit expense receipts directly from their phones. Ben handles every Singapore bank format — PDF or CSV.
Portal · WhatsApp · Email
02
Ben extracts and categorises
Ben reads every transaction, matches it to your chart of accounts and builds a review queue. Confidence scoring shows you exactly what needs attention and what can be approved in bulk.
AI extraction · Vendor memory · COA matching
03
Review and approve in the portal
Your accountant reviews flagged items, corrects where needed and approves. Ben learns from every correction — so next month, fewer items need review.
Split-screen viewer · Bulk approve · Audit log
04
Compliance outputs ready
Gary generates the GST F5 summary. Maya prepares payroll. Felix compiles financial statements. Lucy drafts resolutions. Everything linked — nothing re-entered.
GST · Payroll · FS · CorpSec

Simple, transparent pricing.

All plans include a 14-day free trial. No credit card required. Founding firm discount available — ask us.

SSME
Basic
S$30
per month
  • Ben bookkeeping bot
  • 50 messages / month
  • Portal document upload
  • 1 company
  • Excel export
Start free trial
SSME
Pro
S$50
per month
  • Ben + Gary bots
  • 150 messages / month
  • GST F5 summary
  • 1 company
  • Excel + PDF export
Start free trial
SME
Basic
S$100
per month
  • All 5 bots
  • 500 messages / month
  • Expense claims module
  • 1 company
  • Staff WhatsApp intake
Start free trial
FIRM
Firm
S$349
per month
  • All 5 bots
  • Up to 30 client companies
  • Xero / QuickBooks integration
  • Multi-client portal
  • 3,000 messages / month
  • Unlimited staff submitters
Start free trial
FIRM
Growth
S$699
per month
  • Everything in Firm
  • Up to 100 client companies
  • 5,000 messages / month
  • Priority support
  • Dedicated onboarding
Start free trial

Overage messages charged at S$0.08–0.10 per message depending on plan. All prices exclude GST.

💡 Qualifying expenditure on Minloq subscriptions may be eligible for the 400% tax deduction under Singapore's Enterprise Innovation Scheme (EIS). Speak to your tax advisor.

Common questions.

Which Singapore banks does Ben support?
Ben reads PDF and CSV statements from DBS/POSB, OCBC, UOB, Maybank, Aspire, Wise and ANEXT. CSV export works for most other banks. Contact us if your bank isn't listed.
Do I need to set up Xero bank feeds?
No. Upload PDF or CSV bank statements directly via the portal. Xero integration is available on Firm and Growth plans for those who want it — but it's optional, not required.
Is the output audited or reviewed by Minloq?
No. All outputs are AI-assisted compilations prepared from information provided by management. No audit or review has been performed by Minloq. Management and their accountant remain responsible for accuracy. Every output carries a compilation notice.
Can multiple staff submit documents?
Yes. Register multiple staff numbers per company. Ben identifies who is submitting from their registered number and routes documents to the correct client queue automatically.
How does Minloq handle missing receipts?
Ben records what exists and flags what is missing — with clear notes rather than silent gaps. Clients are prompted to reconstruct or declare missing items. Ben knows Singapore documentation thresholds and guides accordingly.
What languages do the bots support?
All bots respond in the language you type — English, Mandarin, Bahasa Melayu, Tamil or Singlish. Regulatory references (IRAS, ACRA, CPF) remain in their official form.
Is my data secure and PDPA compliant?
Yes. All data is hosted in Singapore (AWS ap-southeast-1). Each subscriber's data is completely isolated using row-level security. Your data is never used to train AI models. Minloq is PDPA compliant.
Can I import my existing chart of accounts?
Yes. Import your COA via CSV from Xero, QuickBooks or any standard format. Ben learns your account mappings over time — the more you use it, the fewer manual corrections you need.
Is there a founding discount for accounting firms?
Yes — we have 10 founding firm slots at 50% off for the first 3 months. These are for firms willing to provide feedback during our early access period. Contact us to check availability.
What accounting software does Minloq work with?
Xero and QuickBooks Online on Firm and Growth plans. For SME and SSME plans, Ben generates a formatted Excel bookkeeping file. Standalone mode — no external accounting software needed.

Start your free trial.

Tell us about your business and we'll get you set up — usually within one business day.

✉️
💬
WhatsApp
📍
Address
73 Ubi Road 1, #09-51
Singapore 408733
🏢
Legal entity
Minloq Pte. Ltd.
UEN 202615062H
🔒
Data
Hosted in Singapore · PDPA compliant · Never used to train AI

Privacy Policy

Last updated: April 2026 · Minloq Pte. Ltd. (UEN 202615062H)

1. Who we are

Minloq Pte. Ltd. (UEN 202615062H), 73 Ubi Road 1, #09-51, Singapore 408733, operates the Minloq platform accessible at minloq.sg. We are committed to protecting your personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

2. Data we collect

We collect information you provide when signing up and using the platform, including your name, email address, company name and UEN, financial documents uploaded to the platform (bank statements, invoices, receipts), and usage data such as log files and session information.

3. How we use your data

Your data is used solely to provide the Minloq service — to process documents, generate compliance outputs and operate the platform. We do not sell your data to third parties. We do not use your data to train AI models.

4. Data storage and security

All data is stored in Singapore (AWS ap-southeast-1) in compliance with PDPA data residency principles. Each subscriber's data is isolated using row-level security. Access is restricted to authorised personnel only. Documents are stored in private, access-controlled storage.

5. Data retention

We retain your data for as long as your account is active or as required by Singapore law. You may request deletion of your account and associated data at any time by emailing [email protected]. We will process deletion requests within 30 days.

6. Third-party processors

We use the following third-party processors to operate the platform: Amazon Web Services (document processing and storage, Singapore region), Supabase (database, Singapore region), Vercel (application hosting). All processors are bound by appropriate data processing agreements.

7. Your rights

Under the PDPA, you have the right to access personal data we hold about you, correct inaccurate personal data, and withdraw consent for data processing (subject to legal or contractual restrictions). To exercise these rights, contact us at [email protected].

8. Cookies

We use only essential cookies necessary to operate the platform (session management and authentication). We do not use tracking or advertising cookies.

9. Changes to this policy

We may update this policy from time to time. Material changes will be communicated to subscribers via email. Continued use of the platform after changes constitutes acceptance of the updated policy.

10. Contact

For any privacy-related queries or to exercise your rights, contact our Data Protection Officer at [email protected].