SMEs Go Digital

Start Right. Start Digital.

“Singapore SMEs who embrace digital transformation expect to see average revenue gains of 26%.”
(Source: ASME-Microsoft study 2018)

Start with clarity

SMEs Go Digital was announced by the government at Budget 2017 to help SMEs build stronger digital capabilities to seize the opportunities for growth in the digital economy. Supporting this initiative, we are offering the Start Digital Pack across HR, Accounting, Digital Marketing, Digital Transactions and Cybersecurity, exclusively for our business banking customers.

Get started

Step 1

Submit declaration via your email registered with OCBC:
- PDF form

Step 2

Purchase any 2 of the apps below using your OCBC Business Debit Card within 90 days of declaration.

Step 3

Receive a S$500 rebate in 3 months.

Choose your preferred apps

Clicking on the links will direct you to a third party website for registration and payment.
Developed by ASME, with support from Enterprise Singapore, ACRA and IRAS, SMECEN integrates your accounting, HR and business compliance reporting all in one place.


Generate quotations and invoices, manage expenses, review outstanding invoices and connect with OCBC business account for quick reconciliation.


Compute itemised salary slips, manage leave schedules, and process employee claims without hassle.


Create Annual Reports, Financial Statements, Corporate Tax, and GST for ACRA and IRAS reporting.
FREE for the first 12 months.
Pay only S$48/month for months 13 to 18*.
* 18 Months subscription applies.
You will be directed to SMECEN's website for registration. Please note that you will need your Business Debit Card for verification purposes.
Ensure business continuity with BroadBand Protect and Business Protect Basic.
Business Protect Basic
Business Protect Basic ensures your endpoints are protected anytime, anywhere, on any device against ransomware and its latest variants.

Broadband Protect
Broadband Protect is a 3-in-1 solution comprising of anti-virus, anti-spam and content filtering to ensure protection against the known threats to company network.

You will be directed to Singtel's website for registration. Please note that you will need your Business Debit Card for verification purposes.
This solutions package is supported by ESG and IMDA, under the Start Digital Pack. For more information on the Start Digital Pack, visit

If you have any comments and feedback on Start Digital Pack, you can send us via the Start Digital feedback form.
Other support available for SMEs
If you need more advanced digital solutions or other support, please visit for further information on SMEs Go Digital.

Popular FAQ

The Start Digital Pack is offered by OCBC in collaboration with Enterprise Singapore and Info-communications Media Development Authority under the SMEs Go Digital Programme. Through the programme, OCBC has put together various digital solutions which can be enjoyed for free for a period of at least 6 months in a bid to help your business grow through digitalisation.
The Start Digital Pack is applicable for all companies who met the eligibility criteria as set out by ESG. Please refer to our Terms and Conditions for the full Eligibility Criteria.
Simply choose your preferred solution curated by OCBC that suits your needs. You will be required to make a declaration and verify that you are an OCBC Business Banking customer in order to qualify for the Start Digital Pack.
The Digital Business Dashboard is offered free with every OCBC business account signed up and provides a consolidated view of all your business data in one place. Simply log on to your dashboard with your Velocity credentials to start seeing patterns and trends that can help you manage and grow your business. Learn more about the Digital Business Dashboard.
Prices are subject to the individual solution provider's contract terms and conditions. With the Start Digital Pack, the costs for SMEs to adopt digital solutions will be lowered and that is achieved through either a stipulated free period for access to the solutions or reimbursement to the customer for selected solutions.
Terms & Conditions 
  1. The Start Digital Pack is subject to any terms and conditions imposed by Enterprise Singapore and Info-communications Media Development Authority of Singapore.
  2. The Start Digital Pack is only applicable for companies which met the following criteria ("Eligibility Criteria"):
    • Registered and incorporated with a valid UEN issued by ACRA in Singapore for the following business entity types - Sole Proprietors, Partnerships, Limited Partnership, Limited Liability Partnerships, Companies
    • Have at least 30% ownership/shareholding by Singapore citizens and PRs
    • Group annual sales turnover of no more than S$100 million or group employment size not exceeding 200
    • Is a first time applicant for the Start Digital Pack
    • Must not already be currently using identical solution it is intending to sign up for the Start Digital Pack.
  3. Oversea-Chinese Banking Corporation ("OCBC") may supply any governmental agency (including without limitation Enterprise Singapore and Info-communications Media Development Authority of Singapore) with documents and information relating to you or provided by you for purposes in connection with your application for the Start Digital Pack.
  4. 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.
  5. You must first submit a declaration of eligibility for the Start Digital Pack and then purchase at least two (2) eligible applications for at least 18 months. The list of eligible applications will be determined in the sole and absolute discretion of OCBC. The applications to be purchased by you shall be referred to as the "Applications".
  6. The Applications must be purchased using the OCBC Business Debit Card issued by OCBC within 90 calendar days from the date of your declaration of eligibility.
  7. Any benefit provided by OCBC to you in connection with this application shall be determined by OCBC in its absolute discretion, and may be in the form of the stated period of free-of-charge service from the respective service provider or in the form of a one-time reimbursement, amounting to S$500 (the "Reimbursement Amount"). In the latter case, 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 the Applications are purchased. For the avoidance of doubt, if more than 2 Applications are purchased, the Reimbursement Amount will not change.
  8. You agree that, notwithstanding anything to the contrary, if you fail to satisfy or comply with any of the Eligibility Criteria; or any declaration, information and/or documents given by us are untrue or inaccurate, you shall immediately return to OCBC all the benefits given to you in connection with the Start Digital Pack (which shall either be the Reimbursement Amount, or the monthly fees payable for the free period of service as stated on the website of the respective service provider) and you further agree to indemnify OCBC 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.
  9. You agree that OCBC does not own the Applications 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 Applications, and OCBC shall not be liable for any loss and/or damage suffered or incurred by or in connection with the use thereof.
  10. OCBC reserves the right to update, amend or change any of the above terms and conditions from time to time without consent.