SMES GO DIGITAL - SMES DIGITALISATION

Start Right. Start Digital.

Why you will love this

Easy way to start your digital transformation at a fraction of the cost

Customise your digital journey by selecting up to 2 solutions of your choice, or choose from one of our curated bundles for every business need

Covers accounting, HR, marketing, digital payments & collections, cybersecurity and other solutions

The OCBC Start Digital Pack is designed to help SMEs build robust digital capabilities and seize growth opportunities in the digital economy.

4 easy steps to get your OCBC Start Digital Pack

1

Submit your application

2

Receive a confirmation on your application

3

Purchase up to two solutions from the list below using your OCBC Business Debit Card within 90 days

4

Receive up to S$500 reimbursement and preferential promotions
Select what you need for your business

To be eligible for the reimbursement, you must purchase the approved solutions from the dedicated links above. You may be directed to third party websites. OCBC Bank shall not be liable for any losses suffered or incurred by any party for accessing such third party websites or in relation to any product and/or services provided by any Service Provider under such third party websites.

4 easy steps to get your OCBC Start Digital Pack

1

Submit your application

2

Receive a confirmation on your application

3

Make payment to the bundle Service Provider of your choice using your OCBC Business Debit Card within 90 days

4

Enjoy curated bundles to kickstart your digital journey at a fraction of the cost
SELECT WHAT YOU NEED FOR YOUR BUSINESS

Discover bundle solutions for

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Incorporation Package (with Xero + Payboy)

HeySara offers company incorporation services to help set up your business in Singapore. Backed up by AI-driven technology and innovative digital solutions, you can start your business instantly and effortlessly with its hassle-free process.

Check out HeySara – OCBC Start Digital Incorporation package which includes:

  • Corporate secretarial services
  • Xero Starter subscription
  • Payboy HR subscription
  • Web hosting services
  • (Optional add-on) F&B advisory and license application assistance - Recommended for F&B businesses
Find out more

You may be directed to third party websites. OCBC Bank shall not be liable for any losses suffered or incurred by any party for accessing such third party websites or in relation to any product and/or services provided by any Service Provider under such third party websites.

Additional information

This solutions package is supported by ESG and IMDA, under the Start Digital Pack. For more information on the Start Digital Pack, visit IMDA Start Digital.





Other support available for SMEs

If you need more advanced digital solutions or other support, please visit IMDA SMEs Go Digital for further information on SMEs Go Digital.

Join our digital academy

Speak to an expert today to learn how to
digitalise your business.

Our Customer Stories

Jumaiyah Mahathir, Chief Executive and Co-founder of Halalfoodhunt

Jumaiyah Mahathir, Chief Executive and Co-founder of Halalfoodhunt

Ms Jumaiyah, was able to make use of a number of software programs such as QuickBooks, an automated accounting system, and Mailchimp, a marketing automation software. "It takes our focus off administrative tasks, and we can channel our energies to sales and marketing so that the business can grow."

Read the full article

Thomas Lim, Millionparcel

Thomas Lim, Millionparcel

Using Xero and Shopify early in our business, we were able scale our business more efficiently. Starting on cloud, we did not need to worry about transferring our data to a new platform or adopting new process while running our business.

FAQS
Common questions
Who can apply

Any business entity with an active OCBC SGD current account that also meets the criteria set out below can apply:

  • It is registered and incorporated in Singapore with a valid UEN issued by ACRA and is of one of the following business entity types: Sole Proprietorships, Partnerships, Limited Partnership, Limited Liability Partnership and Companies;
  • It has at least 30% local shareholding / ownership;
  • The group’s annual sales turnover does not exceed S$100 million OR group employment size is not more than 200 employees;
  • It is a first time applicant to the Start Digital Pack (and has not applied for the Start Digital Pack with any other Start Digital partners);
  • It is not currently using an identical solution to the one that it is intending to sign up for under this Start Digital Pack.

Other eligibility criteria apply. Please refer to the full terms and conditions at the bottom of this page.

The application form must be submitted by the director / owner / shareholder / managing partner / sole proprietor of the business entity.

How many OCBC Start Digital Packs can I apply for

Each business entity is entitled to apply for one OCBC Start Digital Pack only. This means you can only choose to apply for either Pick 2 Solutions or Bundle Solutions.

What’s the difference between Pick 2 or Bundle Solutions?

Pick 2 Solutions allows you to customise your digital journey. You can choose up to any 2 solutions from our list of offerings and receive up to $500 reimbursement upon meeting the disbursement requirements (please refer to more details below).

Bundle Solutions are highly discounted curated packages for various business needs to effortlessly kickstart your digital journey. No disbursements will be received under Bundle Solutions (please refer to more details below).

Can I purchase OCBC Start Digital Packs solutions from other websites / resellers other than those hyperlinked on this page?

You must purchase the approved bundles or digital solution(s) directly through the links on the OCBC Start Digital webpage.

Only the approved solutions are eligible for the Start Digital preferential rates and reimbursement. For the list of approved solutions please refer to the full terms and conditions at the bottom of this page.

Pick 2 solutions requirements

How many solutions do I have to purchase, and do I have to take up both solutions at the same time?

You may purchase one or two solutions.

The solutions do not have to be purchased on the same day. However, they must be purchased within 90 days from your date of application using your OCBC Business Debit Card. If you do not manage to do this within the 90-day period, you must submit a new Pick 2 Solution application to renew the validity period.

What are the requirements to receive the reimbursement?

To receive the reimbursement, you must be able to evidence the payment or utilisation of the solutions taken up.

In the case of OCBC OneCollect, you must utilise the app to collect at least one payment a month for 3 consecutive calendar months. For instance, if your first collection was on 15 January, you must have a second collection in February (any date) and a third collection in March (any date).

In the case of OCBC Business Financial Management (InvoiceNow), you must issue or receive an E-invoice using InvoiceNow at least once a month for 3 consecutive calendar months.

For all other solutions, you must pay subscription for the solution for at least 3 consecutive calendar months using your OCBC Business Debit Card.

If you miss a month of transaction or payment for the solutions taken up, you will not be eligible for reimbursement.

How will the reimbursement be made?

The reimbursement will be credited to your OCBC SGD business account within 3 months after completion of the above.

For the first solution, the reimbursement amount is S$200. For the second solution, the reimbursement amount is S$300.

Bundle Solutions requirements

How many Bundles can I purchase?

You can only purchase one Bundle.

The bundle must be purchased, with the approved Bundle service provider of your choice, within 90 days from your date of application using your OCBC Business Debit Card. If you do not manage to do this within the 90-day period, you must submit a new Bundle Solution application to renew the validity period.

If I have applied for Bundle Solution, can I change my mind and apply for Pick 2 Solution instead?

If payment has already been made to the Bundle service provider, you will not be eligible for Pick 2 Solution.

Terms and conditions

OCBC Start Digital Terms and Conditions

The OCBC Start Digital Pack is supported by Enterprise Singapore (“ESG”) and the Info-communications Media Development Authority (“IMDA”) and is offered by Oversea-Chinese Banking Corporation, Limited ("OCBC") to its business banking customers.

  1. The Start Digital Pack is subject to any terms and conditions imposed by ESG and IMDA.
  2. You must meet each of the following criteria (“Eligibility Criteria”) to be eligible for the OCBC Start Digital Pack:
    1. Be registered and incorporated in Singapore with a valid UEN issued by ACRA and have one of the following business entity types: Sole Proprietorships, Partnerships, Limited Partnership, Limited Liability Partnership and Companies;
    2. Have at least 30% local shareholding / ownership;
    3. Have group annual sales turnover of not more than S$100 million OR Group employment size of not more than 200 employees (as determined by OCBC in its sole and absolute discretion);
    4. First time applicant to the Start Digital Pack* (each business can sign up for only one Start Digital Pack across the Start Digital partners**);
    5. Must not already be currently using identical solution it is intending to sign up for Start Digital Pack; and
    6. Have an active SGD business current account with OCBC.

    *“Start Digital Pack” includes both Start Digital 1.0 and Start Digital 2.0.

    **“Start Digital partners” refers to the participating partners in collaboration with ESG and IMDA.

  3. You acknowledge and declare the information provided in any form submitted to OCBC in relation to our application for the Start Digital Pack is true and accurate in all respects.
  4. You agree that OCBC may supply any governmental agency (including without limitation ESG and IMDA) with documents and information relating to you or provided by you for purposes in connection with our application.
  5. You agree that OCBC may collect and share your contact details with ESG and IMDA for the verification purposes of the Start Digital Pack application.
  6. You agree that you will supply and/or provide any information and/or documentary proof as OCBC may require from time to time and such information and documents shall thereby become and remain the property of OCBC.
  7. You agree that OCBC does not own any of the approved solutions, with the exception of OCBC OneCollect and OCBC Business Financial Management (InvoiceNow), offered under the Start Digital Pack (a full list of which can be found at www.ocbc.com/startdigital) (the “Solutions”) or provide them to you. No warranty of any kind, including without limitation of merchantability, satisfactory quality, fitness for a particular purpose, freedom from malicious code, or non-infringement of third party rights is given in conjunction with the Solutions, and OCBC shall not be liable for any loss and/or damage suffered or incurred by or in connection with the use thereof.
  8. You acknowledge and are aware that the Start Digital Pack is governed by Enterprise Singapore and Info-communications Media Development Authority of Singapore.
  9. You agree that OCBC reserves the right to update, amend or change any of the above terms and conditions from time to time without your consent.

 


OCBC Start Digital Pack (Pick 2 Solutions) Terms and Conditions

Start Digital Eligibility Criteria (“Eligibility Criteria”)

  1. To be eligible for the Start Digital Pack, an entity must fulfil the following criteria: It is registered and incorporated in Singapore with a valid UEN issued by ACRA and is of one of the following business entity types: Sole Proprietorships, Partnerships, Limited Partnership, Limited Liability Partnership and Companies;
  2. It has at least 30% local shareholding / ownership;
  3. Its group annual sales turnover does not exceed S$100 million OR Its group employment size is not more than 200 employees (as determined by Oversea-Chinese Banking Corporation, Limited (“OCBC”) in its sole and absolute discretion);
  4. It is a first time applicant to the Start Digital Pack (and has not applied for the Start Digital Pack with any other Start Digital partners*) and I further acknowledge that by signing up for this application, we will not be eligible for another Start Digital Pack;
  5. It is not currently using an identical solution to the one that it is intending to sign up for under this Start Digital Pack; and
  6. It has an active SGD business current account with OCBC.

  1. To apply for OCBC Start Digital Pack, you must:
    1. fulfil the Eligibility Criteria;
    2. access the OCBC Start Digital Webpage and submit to OCBC a completed online application form;
    3. receive a confirmation email from OCBC;
    4. purchase up to 2 approved Start Digital Solutions (“Solutions”) as listed in Annex 1 using your OCBC Business Debit Card within 90 days of submitting your application form as per clause 1b, with exception to OCBC OneCollect and OCBC Business Financial Management (InvoiceNow) for which Clauses 13 and 14 would apply;
    5. pay subscription for the Solutions for at least three consecutive months, with exception of OCBC OneCollect and OCBC Business Financial Management (InvoiceNow), in respect of which Clauses 13 and 14 would apply instead; and
    6. fully comply with the terms & conditions governing the respective Solutions.

  2. By submitting this application, you acknowledge and agree that:
  3. you have agreed to the Start Digital Programme Terms and Conditions as listed on Start Digital website;
  4. the information provided by you in this application is true and accurate in all respects;
  5. you acknowledge that OCBC works with service providers as listed in Annex 1 to offer you the Solutions and agree for your utilisation data on the Solutions to be shared by the service providers to OCBC, ESG and IMDA for the purposes in connection with this application;
  6. you consent to OCBC sharing your application details which includes your contact details with the respective service providers for subsequent follow up;
  7. you will supply and/or provide any information and/or documentary proof as OCBC may require from time to time and such information and documents shall thereby become and remain the property of OCBC;
  8. you acknowledge that unless otherwise stated, each service has a contract term of 12 months, during which the respective promotional subscription rates will apply. Prevailing subscription rates will be payable after the respective promotional contract terms;
  9. the fees are paid directly to the service providers and OCBC is not liable for any payment;
  10. in the event of any cancellation request, you will notify the service provider(s) in writing (by letter or email) with a notice period of 1 month and there will be no reimbursement or refund for any unconsumed services included in the OCBC Start Digital Pack. You agree that the service providers shall have the right to charge fees where you fail to comply with such notice requirements;
  11. the Solutions must be purchased within 90 calendar days from the date of this application using the OCBC Business Debit Card issued by OCBC to you.
  12. any benefit provided by OCBC to you in connection with this application shall be determined by OCBC in its absolute discretion, and will be in the form of a one-time reimbursement, amounting up to S$500 (the “Reimbursement Amount”). OCBC is authorised to credit the Reimbursement Amount into any of your OCBC bank accounts (as determined by OCBC in its absolute discretion) within three (3) calendar months from the date from which you satisfy the relevant criteria (including Clause 1(e) above). For the avoidance of doubt, if more than 2 Solutions are purchased, the Reimbursement Amount will not change;
  13. the Reimbursement Amount may be paid out in one or two tranches depending on when the Solutions are purchased / utilised, or in such other manner as determined by OCBC in its sole and absolute discretion. The first purchased / utilised Solution will be entitled to a reimbursement of S$200. The second purchased / utilised app will be entitled to reimbursement of S$300. The aggregate Reimbursement Amount shall be capped at a total of S$500 per entity. 
  14. In relation to OCBC OneCollect, you must receive payment collections using OCBC OneCollect at least once a month for three consecutive months to meet the utilisation requirement;
  15. In relation to OCBC Business Financial Management (InvoiceNow), you must issue or receive an E-invoice using InvoiceNow at least once a month for three consecutive months to meet the utilisation requirement;
  16. notwithstanding anything to the contrary, if you fail to satisfy or comply with any of the Eligibility Criteria, or if any declaration, information and/or document given by you is untrue or inaccurate, you shall immediately return to OCBC the Reimbursement Amount and you further agree to indemnify OCBC on first written demand for any losses, damages, liabilities, claims, expenses, fees and costs that may be incurred or suffered by OCBC as a result of such failure or such declaration, information and/or documents being untrue or inaccurate; and
  17. OCBC reserves the right to update, amend or change any of the above terms and conditions from time to time without your consent.

Annex 1 - List of Approved Solutions

Approved Solutions

Service Provider

OCBC Business Financial Management (InvoiceNow)

Oversea-Chinese Banking Corporation, Limited

OCBC OneCollect

Oversea-Chinese Banking Corporation, Limited

Quickbooks Essentials and Plus

TNB Global Outsource Pte. Ltd.

OCBC Skale Start Digital Pack

Drea Asia Pte. Ltd.

Shopify Basic

Engine Studio Pte. Ltd. 

Talenox Suite

Talenox Pte. Ltd.

Xero Starter

Xero Inc.

 


OCBC Start Digital Pack (Bundle Solutions) Terms and Conditions

Start Digital Eligibility Criteria (“Eligibility Criteria”)

  1. To be eligible for the Start Digital Pack, an entity must fulfil the following criteria: It is registered and incorporated in Singapore with a valid UEN issued by ACRA and is of one of the following business entity types: Sole Proprietorships, Partnerships, Limited Partnership, Limited Liability Partnership and Companies;
  2. It has at least 30% local shareholding / ownership;
  3. Its group annual sales turnover does not exceed S$100 million OR Its group employment size is not more than 200 employees (as determined by Oversea-Chinese Banking Corporation, Limited (“OCBC”) in its sole and absolute discretion);
  4. It is a first time applicant to the Start Digital Pack (and has not applied for the Start Digital Pack with any other Start Digital partners) and I further acknowledge that by signing up for this application, we will not be eligible for another Start Digital Pack;
  5. It is not currently using an identical solution to the one that it is intending to sign up for under this Start Digital Pack; and
  6. It has an active SGD business current account with OCBC.
  1. To apply for OCBC Start Digital Pack (Bundle Solutions), you must:
    1. fulfil the Eligibility Criteria;
    2. access the OCBC Start Digital Webpage and submit to OCBC a completed online application form;
    3. receive a confirmation email from OCBC;
    4. purchase one of the Start Digital Bundle Solutions (“Bundle”) as listed in Annex 1 using your OCBC Business Debit Card within 90 days of submitting your application form as per clause 1b;
    5. fully comply with the terms & conditions governing the respective Bundle.
  2. By submitting this application, you acknowledge and agree that:
  3. you have agreed to the Start Digital Programme Terms and Conditions as listed on the Start Digital website;
  4. the information provided by you in this application is true and accurate in all respects;
  5. you acknowledge that OCBC works with service providers as listed in Annex 1 to offer you the Bundle and agree for your utilisation data on the Solutions to be shared by the service providers to OCBC, ESG and IMDA for the purposes in connection with this application;
  6. you consent to OCBC sharing your application details which includes your contact details with the respective service providers for subsequent follow up if required;
  7. you will supply and/or provide any information and/or documentary proof as OCBC may require from time to time and such information and documents shall thereby become and remain the property of OCBC;
  8. you acknowledge that unless otherwise stated, each service has a contract term of 12 months, during which the respective promotional subscription rates will apply. Prevailing subscription rates will be payable after the respective promotional contract terms;
  9. the fees are paid directly to the service providers and OCBC is not liable for any payment;
  10. in the event of any cancellation request, you will notify the service provider(s) in writing (by letter or email) with a notice period of 1 month and there will be no reimbursement or refund for any unconsumed services included in the OCBC Start Digital Pack. You agree that the service providers shall have the right to charge fees where you fail to comply with such notice requirements;
  11. the Solutions must be purchased within 90 calendar days from the date of this application using the OCBC Business Debit Card issued by OCBC to you.
  12. notwithstanding anything to the contrary, if you fail to satisfy or comply with any of the Eligibility Criteria, or if any declaration, information and/or document given by you is untrue or inaccurate, you, acknowledge and agree that the respective service provider may terminate the Bundle without notice to you. You further agree to indemnify OCBC on first written demand for any losses, damages, liabilities, claims, expenses, fees and costs that may be incurred or suffered by OCBC as a result of such failure or such declaration, information and/or documents being untrue or inaccurate; and
  13. OCBC reserves the right to update, amend or change any of the above terms and conditions from time to time without your consent.

Annex 1 - List of Approved Bundle Solutions

Service Provider Approved Bundle Solutions
HeySara Pte Ltd
  1. Incorporation Services + 1 st Year Digital Secretary Plan + Xero Starter + Payboy HR
  2. 1 st Year Digital Secretary + Xero Starter + Payboy HR
  3. Accounting & Tax Services + Xero Starter + Payboy HR

For more details click here.

Exabytes Network (Singapore) Pte Ltd
  1. Google Workspace + Acronis Cyber Protect

For more details click here.


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