Gym membership in Singapore: how to limit what you prepay

If you are choosing a gym membership in Singapore after the True Fitness and True Yoga closures, pay in a way that keeps the unused part of your money small at every point: monthly or per class rather than a long package upfront, unless the business protects prepayments. In the True Fitness and True Yoga provisional liquidation, the liquidators say members' claims for unused packages will generally rank as ordinary unsecured claims, and that it is too early to tell whether members will recover any money.

The risk is not limited to one chain. In a written parliamentary reply on 6 October 2026, Dr Tan See Leng, Minister for Energy, Trade and Industry (Energy and Industry), said that based on the feedback and complaints received by the Consumers Association of Singapore (CASE), the beauty and wellness and the fitness sectors face the highest risks of significant prepayment losses.

What happened to True Fitness and True Yoga memberships?

The liquidators' page describes provisional liquidation as a temporary step to safeguard the companies' assets, before a creditors' voluntary liquidation in which the liquidators realise the assets, adjudicate claims and pay out what is available in the order the law sets.

Claims for unutilised packages or memberships will generally rank as ordinary unsecured claims, and any payout depends on what is left after the costs of the liquidation and preferential claims. The page also says the provisional liquidators are instructing payment processors to stop future recurring deductions.

Under section 170 of the Insolvency, Restructuring and Dissolution Act 2018, the page adds, no action may be started or continued against the companies without the court's permission. The courts' small claims eligibility page makes the same point for the Small Claims Tribunals: if the respondent is a company in liquidation or winding up, you cannot proceed against it without the High Court's permission.

How do I claim for an unused gym package?

For True Fitness or True Yoga members, these steps follow the liquidators' page unless marked as ours or credited to another source.

1. Gather your evidence. Our list: the membership agreement, receipts, statements showing what you paid, and how many months or classes were unused on 11 September 2026.
2. File a Proof of Debt, with supporting documents, on the liquidators' Creditors' Portal (cdp.rsmsingapore.sg), giving the UEN of the company you paid: 199705759N for True Fitness Pte Ltd or 200410345Z for True Yoga Pte Ltd.
3. Check your statements for deductions after 11 September. Our suggestion: if a recurring payment still goes through, tell the liquidators and your card issuer, or your bank if you paid by GIRO.
4. Ask about belongings left at a club by emailing your name, email address, contact number and the club's name to RF-TFitnessMembers@rsmsingapore.sg (True Fitness) or RF-TYogaMembers@rsmsingapore.sg (True Yoga); the liquidators say they will contact you to make arrangements. The same addresses take other questions, which the liquidators aim to answer within five working days.
5. Get help if you are stuck. CASE is the first point of contact for local consumers' complaints, and the issues it may help with include a supplier that cannot be contacted, according to the Competition and Consumer Commission of Singapore's consumer FAQ. Its hotline is 6277 5100, weekdays except public holidays, 9am to 5pm.

How much does a prepaid gym package put at risk?

These figures are illustrative, not any gym's prices. Suppose a gym offers three ways to pay for the same membership:

• Two years upfront: S$1,920, or S$80 a month.
• One year upfront: S$1,080, or S$90 a month.
• Month to month: S$110, charged at the start of each month.

Paying monthly costs S$2,640 over two years, S$720 more than the two-year package. What the extra S$720 buys is a much smaller sum at risk. If the gym closed, the unused balance you would have to claim back would be:

• Two-year package: S$1,920 on day one, S$1,440 after six months, S$960 after a year, S$480 after 18 months.
• One-year package: S$1,080 on day one, S$540 after six months.
• Monthly: at most S$110, the month already paid.

Averaged over the two years, the two-year member has about S$960 unused at any time: in effect an unsecured, interest-free loan to the gym (our framing).

A simple test, our own rule rather than official guidance: compare what prepaying saves with the most you could lose. Here the two-year package saves S$720 against a day-one exposure of S$1,920; the one-year package saves S$240 against S$1,080. If the saving is small next to the exposure, pay monthly, or prepay only what you would be prepared to lose. Class packs work the same way: 20 classes used twice a week are spent in ten weeks, but used twice a month they are still half unused after five months.

What should I check before I sign a gym or studio package?

• Is the business CaseTrust-accredited, with prepayment protection? The minister's reply encourages consumers to use CaseTrust-accredited businesses "where applicable", because they provide prepayment protection that lets consumers claim a refund of the unused portion if the business ceases. Ask to see the accreditation and how the protection works, in writing. Mr Melvin Yong, the MP whose question prompted the reply, stated in it that only three percent of prepayment losses in the first half of 2026 involved CaseTrust-accredited businesses with prepayment protection; that is his figure, and the written answer did not repeat or comment on it.
• Can you pay monthly or per class? If the only good price is a long upfront package, run the test above first.
• How do you cancel or freeze? Ask for the notice period, fee and steps before you pay; our cancel-path test for free trials works for memberships too. CCS's dark patterns page describes a "subscription trap" as making it very easy to start but unnecessarily difficult or confusing to cancel.
• Is the deadline real? The same page says businesses must be prepared to back up urgency or scarcity claims, and CCS's guidance for the beauty industry reminds consumers it is fine to stop a sales pitch and say no.
• Is everything in writing? Keep the contract, receipt, package terms and screenshots of the offer; our checkout records guide lists what to save.

If a studio that is still trading refuses to honour a package, you have more options. CCS's overview of the Consumer Protection (Fair Trading) Act lists, as an example of an unfair practice, a supplier accepting payment despite knowing it cannot supply within a specified or reasonable period. CASE is the first point of contact; the Small Claims Tribunals can hear disputes over services or unfair practices worth up to S$20,000, or S$30,000 with both sides' Memorandum of Consent, filed within two years of the event the claim arises from. Our Small Claims Tribunals guide and small claims limit and fee checker take you through it.

What happens next for prepaid packages?

The 6 October reply says the Panel has studied whether prepayment protection is adequate in these sectors, and that the Government will consider its recommendations and follow up with "the necessary measures". Because the question asked whether the Government would consider making prepayment protection mandatory in these sectors, and the reply presents CaseTrust as a choice consumers are encouraged to make, our reading (not legal advice) is that no rule yet requires a gym to protect members' prepayments.

Until the Panel reports and the Government says what will follow, the protection you control is how you pay. For more on rights after a purchase, see the ownership topic; if you bought a beauty package at a DNA Brands outlet, a separate refund scheme may apply, covered in our DNA Brands refund guide.

Common questions