# AI tells a foreign business owner in Singapore to use SingPass for corporate bank account opening, ignoring ACRA registration and COR requirements

- **ID:** `banking/singpass-digital-signature`
- **Domain:** banking
- **Category:** auth_error
- **Error Code:** `MAS_CORPPASS_REQUIRED`
- **Verification:** ai_generated
- **Fix Rate:** 91%

## Root Cause

SingPass is for individual Singapore residents only; corporate bank account opening requires ACRA-registered entity with a Certificate of Registration (COR) and authorization via CorpPass, not SingPass, as per MAS guidelines.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| SingPass v2.0 | active | — | — |
| CorpPass v3.1 | active | — | — |
| ACRA BizFile+ 2024 | active | — | — |

## Workarounds

1. **Register for CorpPass via ACRA BizFile+: go to https://www.bizfile.gov.sg, select 'Register for CorpPass', submit company UEN and director details; then use CorpPass credentials to authorize bank account opening** (91% success)
   ```
   Register for CorpPass via ACRA BizFile+: go to https://www.bizfile.gov.sg, select 'Register for CorpPass', submit company UEN and director details; then use CorpPass credentials to authorize bank account opening
   ```
2. **Appoint a local corporate secretary who already has CorpPass access; they can authorize the bank application on behalf of the foreign director** (85% success)
   ```
   Appoint a local corporate secretary who already has CorpPass access; they can authorize the bank application on behalf of the foreign director
   ```
3. **Use DBS IDEAL or OCBC Velocity for corporate banking; these platforms support CorpPass integration and guide foreign directors through authorization** (80% success)
   ```
   Use DBS IDEAL or OCBC Velocity for corporate banking; these platforms support CorpPass integration and guide foreign directors through authorization
   ```

## Dead Ends

- **Using SingPass to authenticate for corporate account application** — Bank portal checks entity type; SingPass returns 'RESIDENT_INDIVIDUAL_ONLY' error and blocks application (95% fail)
- **Registering company under a local director's SingPass without CorpPass** — MAS requires CorpPass for corporate authorization; bank rejects application until CorpPass is linked (90% fail)
- **Attempting to use foreign digital signature (e.g., MyInfo) for corporate verification** — ACRA only accepts CorpPass for corporate filings; foreign signatures are invalid (85% fail)