Expense Claim In Singapore: How To Manage, Automate, And Simplify Reimbursements

An expense claim is a process by which employees get reimbursed for work-related costs they’ve paid out of pocket.

When employee expense claim management runs smoothly, the books stay clean and people get paid on time. When it doesn’t, receipts disappear, approvals get stuck, and month-end turns chaotic.

This guide breaks down the expense claim process, explains what qualifies as a valid expense, and shows how an expense claim system (or expense claim software Singapore teams use) streamlines everything.

You’ll also see how pairing software with the Wise Business Card removes most reimbursements entirely, so employees spend directly while finance stays in control.

Table of contents
What is an expense claim, and how it works in Singapore Common business expenses you can claim in Singapore Traditional expense claim process: where things go wrong How the manual claim process works How to manage and fix common expense claim issues How does pairing the Wise Business card with an expense claim software simplify expense management? Handle expense claims the smarter way

What is an expense claim, and how it works in Singapore

An expense claim is a formal request to be reimbursed for business costs an employee has paid personally.

A reimbursement is the company’s payment to that employee after approval, while a disbursement covers expenses paid directly in the company’s name (for example, by an authorised agent).

Handled well, expense claims protect budgets, reduce out-of-pocket stress for staff, and leave a clear trail for audits. Handled poorly, they slow teams down and mask overspending until it’s too late.

What qualifies for an expense claim

For a claim to go through, it should:

• Be necessary and reasonable for work, with a clear business purpose
• Follow company policy: the right category (travel, meals, training) and within limits
• Include proof (readable originals or digital copies):
• Grab/taxi/MRT: e-receipt or trip history showing date, time, route, and fare
• Meals and entertainment: itemised receipt; noting who attended and why helps speed approval
• SaaS (Service as a Subscription)/subscriptions: invoice or PDF with vendor name, billing period, and amount
• If GST-registered: record the amount shown on the receipt; finance handles GST treatment per policy
• Be submitted on time with the right project or cost-centre tags

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Common business expenses you can claim in Singapore

Most day-to-day claims fall into a few familiar buckets.

For Singapore teams, this usually involves travel and accommodation, meals and entertainment related to work, office supplies and peripherals, communications and software (such as mobile plans and SaaS), and training or certifications related to the role.

The list below outlines the most common expense claim categories, helping employees understand what typically qualifies and allowing finance to keep records tidy.

Travel and accommodation expenses

Work trips typically include airfare, train or bus tickets, car rental, and hotel stays. In Singapore, local travel often covers Grab/taxi fares and public transport for meetings, site visits, or airport transfers.

Other work-related expenses

• Meals and entertainment for client meetings, interviews, or approved overtime
• Office supplies and peripherals such as stationery, adapters, and laptop accessories
• Communications and software, including mobile plans and business SaaS tools
• Training and certifications relevant to the role: professional courses, exam fees, or renewals

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Traditional expense claim process: where things go wrong

Before digital tools, the expense claim process was mostly manual — paper receipts, spreadsheets, and back-and-forth emails. It still works for small teams, but as the volume of claims increases, the cracks start to show.

How the manual claim process works

1. Employee pays first. They cover a work-related cost with personal funds.
2. Receipts get collected. Every slip or e-receipt is stored for later submission.
3. Expense report prepared. Details are entered into a form or spreadsheet and categorised.
4. Manager reviews and approves. Finance checks amounts and ensures policy compliance.
5. Reimbursement processed. The employee is paid back via payroll or transfer, and records are filed.

Why manual expense claims no longer work

• Receipts go missing, especially after travel
• Manual data entry eats up time and invites small errors
• Approvals get delayed as forms move between inboxes
• No real-time visibility, so overspending often goes unnoticed
• Reimbursements take weeks, leaving employees out of pocket

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How to manage and fix common expense claim issues

Even with clear rules, expense claims can still get messy. Errors, missing details, or unclear spending reasons lead to rejections or long approval chains. Knowing the usual pitfalls helps keep things smooth.

Common reasons expense claims get rejected

• Incomplete details, like missing dates or project codes
• Missing receipts with no valid proof of spend
• Unclear business purpose that approvers can’t verify
• Policy limits exceeded for meals, hotels, or travel
• Late submissions weeks after the spend
• Unauthorised approvals that skip the correct reviewer

Best practices for smoother expense management

• Keep it simple. Make policies clear and easy to find.
• Go digital. Use an expense claim system to snap receipts instantly and avoid lost paperwork.
• Get pre-approvals for large or unusual expenses to prevent back-and-forth later.
• Link corporate cards to an expense management software. Employees spend directly, and finance gains real-time visibility and control.

💡Need to manage your team’s expenses more efficiently? Give them their own Wise Business Cards and connect them to your Wise Business account. No more using personal cards for business expenditure. No more manually reconciling personal card reimbursements. Wise Business lets you monitor and approve card payments instantly.

• Get your first Wise Business card for free when you open a Wise Business account.
• Give your team their own corporate debit cards to keep expense management clean.
• Receive instant spending notifications and track expenses in the Wise app.
• Approve payments, set spending limits, and freeze your card if you've lost it.
• Always get the mid-market rate with transparent conversion fees starting from 0.26%.
• Say goodbye to monthly fees and foreign transaction fees.

➡️Get your Wise Business Card today

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How does pairing the Wise Business card with an expense claim software simplify expense management?

If you’ve ever chased receipts or waited weeks for reimbursements, you already know the limits of a manual expense claim process; spreadsheets and email chains might work for a few claims, but they don’t scale.

That’s where expense claim software makes a difference. Designed to automate repetitive tasks, it helps Singapore businesses track, approve, and reimburse expenses faster without the paperwork headache.

When paired with the Wise Business Card, it becomes even more powerful.

Employees can pay directly for approved expenses, and every transaction flows into your expense claim system automatically — no manual data entry, no waiting for reimbursements.

Feature	Manual process	Expense claim software
Receipt capture	Paper or emailed receipts submitted later	Snap photos or upload directly from mobile
Policy checks	Approvers check manually	Auto-flags missing info or overspend
Approval routing	Email threads or printed forms	Instant digital approval with audit trail
Expense visibility	Seen only at the month-end	Real-time dashboard and spending limits
Accounting sync	Requires manual data entry	Integrates with Xero or QuickBooks
Reimbursement speed	Weeks after submission	Days after approval

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How the Wise Business Card works with expense management software

Here’s how a modern setup looks in practice:

1. An employee pays using their Wise Business Card
2. The transaction appears instantly in the Wise app with the amount, merchant, and currency
3. The employee uploads or auto-matches the receipt from their phone
4. The expense claim software flags missing info or out-of-policy spend
5. The manager approves in app, and finance has a clean record ready for accounting

The result? Faster reimbursements, fewer manual claims, and better visibility across teams and currencies.

With Wise Business Card, companies can also avoid foreign transaction fees and always convert currencies at the mid-market rate with a low, transparent conversion fee starting from 0.26%¹ — ideal for Singapore SMEs handling regional transactions.

How anyIP uses Wise Business Cards to manage team spend
anyIP, a proxy infrastructure company scaling across borders, issued Wise Business Cards to every employee and synced transactions to its accounting stack, gaining real-time visibility and cutting reconciliation time by nearly half, making cross-border spend easier to track and control. ➡️Dive into how AnyIP streamlined expense claims with Wise Business here.

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Handle expense claims the smarter way

Mastering expense claims doesn't need to be complicated.

It’s about building a simple, reliable system that keeps everyone accountable. When the process is smooth, employees get reimbursed faster, finance teams close books with less stress, and management sees where money’s going in real time.

Digital tools make that easy. An expense claim system or expense claim software Singapore businesses can rely on captures receipts instantly, enforces policy rules, and syncs directly with accounting tools.

And when those systems connect to the Wise Business Card, you remove most reimbursements entirely. Your team can spend in multiple currencies for ad-hoc business expenses with no foreign transaction fees and transparent conversion at the mid-market rate.

➡️Get started with Wise Business today

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Sources:

1. Wise Business Singapore pricing

Sources checked on 14 October 2025