Do I need to provide my degree certificate at the time of application, or is a provisional certificate sufficient in Singapore for a Master's?

Yes, a provisional degree certificate is typically sufficient for your master's application to universities in Singapore.

Most universities accept a provisional certificate or an official letter from your university confirming degree completion at the application stage. However, you will need to submit your final degree certificate before enrollment or for your visa application.

Some universities may have specific document requirements, so it's important to check their guidelines.