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    SMEs Go Digital - SMEs Digitalisation

    SMEs Go Digital - SMEs Digitalisation

    Start Right. Start Digital.

    Why you will love this

    Easy way to start your digital transformation

    Enjoy up to 12 months free subscription for selected apps

    Covers HR, accounting, digital marketing, cybersecurity and e-commerce solutions

    SMEs Go Digital is designed to help SMEs build robust digital capabilities and seize growth opportunities in the digital economy.


    Submit declaration via your email registered with OCBC:


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


    Receive a S$500 rebate in 3 months.
    Accounting & Expense Management

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    Business Financial Management (InvoiceNow)
    Business Financial Management (InvoiceNow)

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    Google Workspace

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    Digital Marketing & CRM

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    Acuity Scheduling

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    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 provider under such third party websites.

    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

    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 IMDA SMEs Go Digital for further information on SMEs Go Digital.

    Setting up your business

    Online Business Incorporation

    Our business account has everything you need to start your business - Incorporation, Corporate Secretarial services, Accounting and more!

    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.

    Common questions
    What is the Start Digital Pack?

    This Pack is offered by OCBC in collaboration with Enterprise Singapore and Info-communications Media Development Authority.

    Housed under the SMEs Go Digital Programme, we have consolidated various digital solutions to help your business grow through digitalisation. You may access this Pack for free for at least 6 months.

    How do I apply for the Start Digital Pack?
    Simply choose your preferred solution curated by OCBC to suit your needs. You will be required to make a declaration and verify that you are an OCBC Business Banking customer.
    Why are the prices different for the different digital solutions?
    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. This is achieved through either a stipulated free access period to the solutions or reimbursements for selected solutions.
    • Terms & Conditions
      1. The Start Digital Pack is subject to any terms and conditions imposed by Enterprise Singapore (“ESG”) and the Info-communications Media Development Authority of Singapore (“IMDA”).
      2. The Start Digital Pack is only applicable for companies which meet the following criteria ("Eligibility Criteria"):
        1. 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;
        2. Have at least 30% ownership/shareholding by Singapore citizens and PRs;
        3. Group annual sales turnover of no more than S$100 million or group employment size not exceeding 200;
        4. Is a first time applicant for the Start Digital Pack; and
        5. Must not already be currently using identical solution it is intending to sign up for the Start Digital Pack.
      3. You acknowledge that Oversea-Chinese Banking Corporation, Limited ("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 your application for the Start Digital Pack.
      4. You agree that you will supply and/or provide any information and/or documentary proof relating to your application for, or participation with, the Start Digital pack 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 (the current list of which is located at, as may be updated by OCBC in its sole discretion from time to time) (hereafter, the “Applications”) for at least 18 months.
      6. You acknowledge and agree that
        1. the 2 Applications referred to in Clause 5 must be purchased within 90 calendar days from the date of this application using the OCBC Business Debit Card issued by OCBC to you;
        2. where one of the Applications purchased by you is the Business Financial Management (InvoiceNow) application:
          1. we must send or receive at least one E-invoice using InvoiceNow (Peppol E-Invoicing) using Business Financial Management (InvoiceNow) in order to (A) have the Business Financial Management (InvoiceNow) application to be considered to be purchased and
          2. receive the Reimbursement Amount (as defined below); and
          3. the Business Financial Management (InvoiceNow) application cannot be bundled with any other Application that is set out in Annex 1 as a “Digital Accounting solution” (or any pre-existing bundle offered on
      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.
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