Under the Singapore Currency Act, mutilated notes command no value. However, MAS may, out of goodwill, award value to mutilated notes provided there is no evidence suggesting that they have been deliberately mutilated.

You can take your torn or mutilated (damaged) notes to any commercial bank in Singapore where you have a bank account. The bank will authenticate and assess the note before award value according to the Monetary Authority of Singapore's guidelines.

If the bank has assessed that your torn or mutilated (damaged) notes are genuine and were not wilfully or deliberately damaged, the assessed value will be credited directly into your bank account.
 
If the bank is unable to assess the value, the mutilated (damaged) note will be sent to MAS for assessment. After MAS has assessed value, the bank will credit the assessed value to your bank account.

Please let us know details of the bank and name of the counter staff via the feedback form , if the bank is not willing to accept the notes for assessment.