Get your DBS IDEAL accounts and payments through an API

What you can build on IDEAL

• Get account balance and transactions

  Build this

  Opens one account from Accounts and reads its balance and the transactions for the date range you give.

  Takes

  Account number, from date, to date

  Returns

  Account number, currency, balance, and each transaction's date, description, reference and amount

• Get payment history

  Build this

  Reads Payment History under Pay & Transfer, filtered by date range, debiting account, payment type or status, for payments made in IDEAL in the last 6 months.

  Takes

  From date, to date, account (optional), payment type (optional), status (optional)

  Returns

  Payment date, debiting account, payee, payment type, amount, currency, reference, status

• List payments waiting for approval

  Build this

  Reads the Payment/Transaction section of Approvals: the transactions your account can approve or reject.

  Takes

  Nothing

  Returns

  Transaction type, debiting account, payee, amount, currency, payment date, reference

• Submit a payment to a saved payee

  Build this

  Fills in Pay Local/ Overseas Payee for an existing payee and selects Submit, which sends the payment to your approvers.

  Takes

  Debiting account, payee, payment date, amount, currency, reference on bank statements

  Returns

  Payee, amount, currency, payment date, reference, status

Automate IDEAL with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• New transactions on every account, each morning

  Build this

  Starts

  Every weekday at 8:00 Singapore time

  Step 1

  For each account you name, get the balance and the transactions since the previous business day.

  Step 2

  Keep the transactions that were not there on the last run.

  Step 3

  Email you the balances and new transactions, one section per account.

• Payments waiting in Approvals, posted to Slack

  Build this

  Starts

  Every weekday at 9:00 and 14:00 Singapore time

  Step 1

  List the transactions in the Payment/Transaction section of Approvals.

  Step 2

  Stop when there are none, and keep the ones not there on the last run.

  Step 3

  Post each one, with payee, amount, currency and payment date, to your Slack webhook.

• Payment status changes, posted to your ERP

  Build this

  Starts

  Every weekday at 17:30 Singapore time

  Step 1

  Get the Payment History for the last 7 days.

  Step 2

  Keep the payments whose status changed since the last run.

  Step 3

  Post payment date, payee, amount, currency, reference and status to your ERP webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get account balance and transactions” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "ideal.dbs.com/get_account_transactions",
    "input": {
      "account_number": "072-123456-7",
      "from_date": "2026-11-10",
      "to_date": "2026-11-11"
    }
  }'

{
  "status": "completed",
  "data": {
    "account_number": "072-123456-7",
    "currency": "SGD",
    "balance": 184250.72,
    "transactions": [
      {
        "date": "2026-11-11",
        "description": "FAST payment from Northwind Logistics",
        "reference": "INV-20931",
        "amount": 12480
      },
      {
        "date": "2026-11-10",
        "description": "GIRO payment to Globex Supplies",
        "reference": "PO-5521",
        "amount": -3615.5
      }
    ]
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

IDEAL’s own options

DBS offers two connections to your own systems, both set up with DBS rather than switched on in IDEAL: RAPID, its real-time REST API, and IDEAL Connect, a host-to-host file link. DBS says each takes 4 to 6 weeks to set up and lists no fees for either on its pages. IDEAL itself has its setup and monthly fees waived.

Read on November 12, 2026: DBS RAPID, IDEAL Connect, DBS IDEAL online banking.

Signing in to IDEAL

IDEAL signs you in with your Organisation ID, User ID and PIN, with your email, or with a QR code, and you approve the login with a tap and swipe in the IDEAL mobile app, your digital token. With Fous you sign in once through IDEAL's own sign-in with your own account: the login is sealed with AES-256, phone approval is handled, and an expired session is signed back in.

Worth knowing

Payment History covers 6 months

Payment History shows payments made in IDEAL in the last 6 months. Payments made at a branch or through RAPID do not appear there: you find them in the account statement.

Your approval policy decides who approves

The number of approvers or approval groups a payment needs can differ by payment type, as your company's policy sets it. A submitted payment is completed only when all of them have approved it.

One device, and a 12-hour cooling period

The digital token works on one device at a time. For 12 hours after it is set up on a device, you cannot add or edit a payee or change contact information.

Parent and subsidiary companies

If you have access to several companies in a parent and subsidiary relationship, Payment History can show all of them: under Additional filters, select Organisation, then Show All.

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