Hiring a migrant domestic worker (MDW) is a big decision, and the agency you pick shapes the whole experience. We mapped 8 Singapore agencies to start your shortlist, pulled the MOM EA licence number each one publishes, and then looked all 14 of them up ourselves on MOM's EA Directory: Nation 12C5507/09C5332, Best Home 96C5039, Universal 87C4847, HomeKeeper 09C5350/09C5352/22C0891, Budget Maid 17C8574 and four more, Comfort 02C3307 and Sunrise Link 25C3065. Re-run on 9 September 2026, and three findings you cannot get from the agencies' own sites. First, MOM publishes its OWN customer rating out of 5 for every licensed agency, from 3.6 to 4.1 across this list, alongside retention and transfer rates measured against a 63.17% / 1.03% industry average. Second, those numbers move fast: in three weeks HomeKeeper International fell from 4.0 to 3.8 and Nation Employment rose to 4.1, so look yours up on the day you engage. Third, three of the licences these agencies advertise have placed ZERO helpers in the past 12 months, on two checks three weeks apart, including the one Budget Maid leads with. Two corrections worth knowing before you browse: eMaid is not an agency at all but a portal carrying listings from many agencies, so check the licence behind the listing; and Universal's employer site has moved to universalmaidagency.com, because universal.sg is now its helper-facing site. Plus the real 2026 costs nobody itemises: the levy is $300/month for your first helper, $450 for each subsequent one, or $60 if your household qualifies; medical insurance must carry a $60,000 annual claim limit with a 25% employer co-payment above $15,000; first-time employers must sit the $30-$76 EOP at least 2 working days BEFORE applying; a first-time helper cannot start work until she has done the $76-$93 Settling-in Programme within 7 days of landing; and two grants most families never claim are worth up to $600 a month and $400 a year on top of the levy concession.
Hiring a migrant domestic worker (MDW) is one of the bigger household decisions you will make, and the agency you choose shapes the whole experience.
> Quick view: 8 agencies, and all 14 of the MOM EA licence numbers they publish, looked up by us on MOM's own directory on 9 September 2026. Highest MOM rating: Nation Employment (09C5332), 4.1. Best retention: Home Employment Service Centre (05C3492), 75.86%. Levy: $300 / $450 / $60 a month. The catch nobody prints: 3 of the 14 licences placed zero helpers in the past year, so a "clean" look-up can simply mean dormant.
First, the check that matters more than any ranking
> Verify the agency's MOM Employment Agency (EA) licence, and its demerit points, on MOM's online EA Directory. Never engage an unlicensed agency.
It is free, it takes two minutes, and it gives you more than a yes or no on the licence. Alongside years in operation and live demerit points, MOM publishes four things that tell you more about an agency than any review page:
- A customer rating out of 5, with the review count. Yes, MOM itself rates maid agencies. This is the "MOM maid agency rating" people go hunting for on forums, and it sits right next to the licence number. You can even filter the whole directory down to Good (3-4) or Very Good (4+).
- MDW retention rate: the share of helpers who stay with the same employer for at least 6 months. The closest thing to an objective quality signal in this industry.
- MDW transfer rate: the share who transfer to 3 or more employers within a year. Read it against the retention rate.
- Placement volume: the number of MDW work passes actually approved for that agency in a year, as opposed to the scale it advertises.
The averages you are measuring against (12 months to 6 September 2026): retention 63.17%, transfer 1.03%, placement volume 48. MOM prints those industry averages on the page and labels each agency "Better" or "Worse" than them, which is what makes the numbers usable in two minutes. MOM also lists EAs under revocation, suspension or surveillance on a separate tab. We read that tab on 9 September 2026: it carries 16 agencies, and none of the 14 licences on this page is on it.
What MOM's directory says about these 8 (all 14 licences re-run on 9 September 2026)
| Licence (registered name) | MOM rating | Retention | Transfer | Placements | Licensed |
|---|
| 12C5507 Nation Human Resources | 4.0 (1,018) | 71.21% | 1.92% | 2,556 | 14 yr |
| 09C5332 Nation Employment | 4.1 (111) | 65.55% | 0.31% | 333 | 17 yr |
| 96C5039 Best Home Employment Agency | 3.8 (657) | 61.29% | 3.47% | 1,616 | 30 yr |
| 87C4847 Universal Employment Agency | 3.6 (310) | 68.8% | 0.65% | 832 | 39 yr |
| 09C5350 HomeKeeper International | 3.8 (544) | 63.27% | 0.76% | 1,331 | 17 yr |
| 09C5352 HomeKeeper Jobsplacement | 4.0 (532) | 63.83% | 0.47% | 1,406 | 17 yr |
| 22C0891 HomeKeeper Solutions | no reviews | N.A. | N.A. | 0 | 4 yr |
| 02C3307 Comfort Employment | no reviews | N.A. | N.A. | 0 | 24 yr |
| 17C8574 Budget Employment Agency | no reviews | N.A. | N.A. | 0 | 9 yr |
| 14C7260 Budget Employment | 4.0 (153) | 70.05% | 0.96% | 338 | 11 yr |
| 13C6756 Budget Employment Service Centre | 3.9 (191) | 67.92% | 0.48% | 461 | 12 yr |
| 05C3492 Home Employment Service Centre | 3.9 (40) | 75.86% | 0.00% | 69 | 20 yr |
| 02C3210 Home Employment Agency | 4.0 (70) | 69.82% | 1.53% | 153 | 24 yr |
| 25C3065 Sunrise Link | no reviews yet | 66.67% | 0.00% | 13 | 1 yr |
Four things that table changes about how you use the list above:
- A valid licence is not the same as a working licence. Three of these, HomeKeeper Solutions (22C0891), Comfort Employment (02C3307) and Budget Employment Agency (17C8574), placed no MDWs at all in the past 12 months, and carry no rating because nobody has reviewed them. All three read exactly the same way when we checked them again three weeks later. Look one of those up, see a clean record, and you may conclude you have vetted an agency when you have really only confirmed it is dormant.
- These numbers move, and faster than you would think. In the three weeks between our August and September readings, HomeKeeper International's rating fell from 4.0 to 3.8, Nation Employment's rose from 4.0 to 4.1, Home Employment Service Centre's slipped from 4.0 to 3.9, and the industry retention average itself moved from 62.43% to 63.17%. Every figure in the table above is a snapshot, including the ones printed in this article. Look up the agency on the day you engage it.
- Search the REGISTERED name, or better, the number. The licences sit under names you would not guess from the shopfront: Nation's largest licence belongs to Nation Human Resources, and two of Budget Maid's five belong to Home Employment. Searching the trading name can quietly return the wrong entity, or nothing. The same trap catches eMaid: search "eMaid" and the directory returns an unrelated agency, Homemaid Service (19C9774), that merely matches on letters.
- The biggest name here has the weakest retention. Best Home has the largest single-licence review count of the eight (657) and 1,616 placements, but 61.29% retention, below the 63.17% average, and a 3.47% transfer rate, more than triple the 1.03% average. Volume and longevity are not the same thing as placements that last. The best retention on the whole page belongs to one of the small licences: Home Employment Service Centre (05C3492) at 75.86% on 69 placements.
The 8 by type
| Type | Agencies | Best for |
|---|
| Large full-service | Nation Employment, Best Home Employment, Universal Employment | Big selection, end-to-end handling |
| Established mid-size | HomeKeeper, Comfort Employment | Attentive matching, eldercare |
| Value | Budget Maid | Cost-conscious route (no fee published, so get a quote) |
| Online listing portal | eMaid | Browse biodata across many agencies |
| Transfer, Mizo and Mandarin service | Sunrise Link | Interview in person, faster start, Chinese-language handling |
What it costs in 2026
| Cost | Figure |
|---|
| Agency placement fee (upfront) | ~S$1,000-3,000+ (most publish nothing; get it in writing) |
| MDW monthly salary | ~S$600-700+ (varies by nationality and experience) |
| MDW levy, 1st helper | S$300/month (S$9.87 a day) |
| MDW levy, subsequent helper | S$450/month (S$14.80 a day) |
| MDW levy, concessionary | S$60/month (S$1.98 a day) if your household qualifies |
| Security bond (non-Malaysian MDW) | S$5,000, a banker's or insurer's guarantee, separate from the insurance below |
| Medical insurance | Annual claim limit at least S$60,000, covering inpatient care and day surgery. Above S$15,000 of claims, insurers pay 75% and you co-pay 25% |
| Personal accident insurance | Sum assured at least S$60,000 a year |
| Employers' Orientation Programme (EOP) | S$29.98-S$35.65 online, S$34.88-S$76.30 classroom, incl GST. First-time employers only |
| Settling-in Programme (SIP) | S$76.40-S$92.65 incl GST, paid by you. First-time helpers only |
| Medical | 6-monthly medical exam (6ME) |
Many households budget ~S$1,000-1,300+/month all-in (salary, levy, insurance, food and amenities), on top of the upfront agency fee.
The two deadlines first-time employers miss
Both of these are easy to overlook and both can stall the hire:
- The EOP is yours, and it comes first. If you have never employed a helper, you must complete the 3-hour Employers' Orientation Programme at least 2 working days before you submit the Work Permit application. Not after approval, before submission. It runs online (about 2 hours, S$29.98 to S$35.65) or in a classroom (3 hours, S$34.88 to S$76.30), in English, Mandarin, Malay or Tamil, through three MOM-appointed providers. If you have a chronic medical condition, cannot walk, are 60 or above with physical discomfort, or are a new or expectant mother, you may be allowed to send a representative.
- The SIP is hers, and it blocks her from starting. A first-time helper must attend the 1-day Settling-in Programme within 7 days of arriving, excluding Sundays and public holidays, and she is not allowed to start work until she has attended. She also cannot attend on her arrival day. It costs S$76.40 (Absolute Kinetics), S$77.00 (NTUC LearningHub) or S$92.65 (Grace Management), all incl GST and all payable by you, and it is conducted in her own language.
One more sequencing trap: the S$5,000 security bond must already be in effect when she lands. If it is not, the immigration officer will refuse her entry, MOM will not backdate the effective date, and you have to send her straight home.
Two payouts most families never claim
The S$60 concessionary levy is the one everybody knows. There are two more, and both can be used towards a helper:
- Levy concession, worth S$240 a month or S$2,880 a year. Per MOM, the S$60 rate applies if your household includes a Singapore-citizen child under 16, an elderly person aged 67 or above (a PR aged 67+ can also qualify where a citizen spouse or child is involved), or a person with disabilities certified by a Singapore-registered doctor as needing help with at least one activity of daily living. Note the step agency sites leave out: for the disability route you must also apply through the Agency for Integrated Care (AIC) and obtain a recommendation letter, not just a doctor's certification. The concession is granted for one helper per eligible person, capped at two helpers per household, and the eligible person must live at the same address and be registered as a household member on the FDW eService.
- Home Caregiving Grant, up to S$600 a month. If your helper is caring for someone who permanently needs help with at least 3 of the 6 activities of daily living, AIC pays a monthly cash grant that can be used towards hiring her: S$600 where monthly household income per person is S$0-S$1,500 (or the property's annual value is S$21,000 or under with no income), S$400 at S$1,501-S$3,600, and S$200 at S$3,601-S$4,800. Owning more than one property drops you to the S$200 tier. Worth reading carefully, because MOM's own levy page still describes this grant as "up to S$400" while AIC, which administers it, publishes S$600.
- Caregivers Training Grant, S$400. A separate AIC grant of S$400 in the first year, topped up by S$200 each financial year to a S$400 cap, for training the main caregiver of someone aged 65+ or with an assessed disability. A migrant domestic worker qualifies as the caregiver being trained, including for the Basic Eldercare Course.
Who is even eligible
MOM sets the rules on both sides, and they are stricter than most people assume:
- The helper must be female, aged 23 to below 50 at the time of the Work Permit application (helpers already 50+ can renew only up to age 60), hold at least 8 years of formal education with a recognised certificate, come from an approved source country, work at your NRIC-registered address, and not be related to you. She must be outside Singapore when the application is made, unless she is Malaysian.
- You must be at least 21, not an undischarged bankrupt, and have the mental capacity to supervise a helper. MOM also weighs your caregiving needs and your financial ability to house and maintain her.
Where helpers come from now, including Mizoram
MOM's approved source list runs wider than the three countries most agencies advertise: Bangladesh, Cambodia, Hong Kong, India, Indonesia, Macau, Malaysia, Myanmar, the Philippines, South Korea, Sri Lanka, Taiwan and Thailand. The practical change on this page is India, and specifically helpers from the Mizo community in Mizoram, which three of the agencies here (Best Home, HomeKeeper and Sunrise Link) have added to their line-ups since our last check. If you are offered a Mizo helper, she is hired under exactly the same rules as any other: same levy, same S$5,000 bond, same insurance minimums, same SIP. What differs is language and cooking background, so ask about both rather than assuming.
Agency vs direct hire vs transfer
- Agency (new worker): most convenient, full support and a replacement guarantee; best for first-timers.
- Direct hire (DIY): cheapest, with no placement fee, but you handle all the admin and have no replacement safety net; best for experienced employers or a helper you already know.
- Transfer maid: hiring an MDW already in Singapore lets you interview in person, get references and start faster, at lower upfront cost. Ask why she is transferring and check her references.
The vetting checklist (do not skip)
- MOM EA licence, demerit points and retention rate on the EA Directory. Non-negotiable step one, and use the licence numbers in the table above.
- Fee transparency: a full written breakdown. Be wary of vague "all-in" quotes, and of a value positioning with no published number behind it.
- Ethical recruitment: a suspiciously low employer fee can mean the helper has been loaded with excessive debt.
- Replacement policy: what happens, and on what conditions.
- Real reviews: patterns in after-sales support and dispute handling.
- Biodata and references: accurate information, and references from the current employer for transfers.
Your responsibilities as an employer
Keep the work permit valid and pay the levy on time, pay salary in full and on time, provide a weekly rest day (or compensation in lieu), maintain insurance and the 6ME, provide decent accommodation and adequate food, and send first-timers to the Settling-in Programme. Beyond the rules: communicate clearly and kindly, allow time to adjust, and respect her rest and privacy. A fairly treated helper does better work and stays longer.
Pair with
*Cover image: Nation Employment's own office photo, from its official site. Agency details are general positioning to start a shortlist, NOT endorsements. On 9 September 2026 we re-ran all 14 licence numbers through MOM's own EA Directory, read the revocation, suspension and surveillance tab, re-verified every agency website, and re-checked the levy, concession, security bond, insurance, EOP and SIP figures on MOM's own pages plus the two grants on AIC's. The MOM ratings, retention rates, transfer rates, placement volumes and licence tenures quoted here are MOM's, for the 12 months to 6 September 2026, and they move over time (several moved in the three weeks before this update). Licence numbers are reproduced as each agency states them. Always look them up yourself on MOM's official EA Directory, where the live demerit points sit, and confirm current fees, levy rates and rules with the agency and MOM before committing.*
Related reads
- Best Confinement Nanny Agencies in Singapore 2026: the other licensed-agency hire many families make, and the same licence checks apply
- Best Home Cleaning Services in Singapore 2026: the part-time alternative if you do not need live-in help
- Best Tuition & Enrichment Centres in Singapore 2026: where the rest of the household budget tends to go