A Holistic Wellness Toolkit for Employees

1. Let us help empower your financial wellbeing!

Empower the financial wellbeing of your business and your employees

DBS NAV University

Get better at money and personal finance; NAV Uni equips employees with content and insights that are convenient to access and easy to understand.

Financial Planning Expert

Manage your $ better with NAV Planner

An intuitive digital tool that helps you track, protect and grow your money in a way that works for you.

Find out more

Learn and Grow with our online Communities

Connect with like-minded people with similar concerns and considerations for the future. Learn and share financial planning tips and hacks!

Personal Financial Advisory

We bring banking – and all the answers to your employees’ questions – through personal consultations with a dedicated advisor.

Find out more

NAV Ask-Me-Anything (AMA) series with Lorna Tan

Every month, we introduce a new personal finance topic. If you’ve missed a session or can’t come down to our branches, we’ve got you covered with NAV AMA.

Watch the episode below to get a flavour of this series!

Find out more

Choose content and insights that are relevant to you:

Starting Out – Stop stressing about your money and start taking control of it.



Investing – Building wealth is crucial to financial independence. These tips will ensure you’re on your way to building a great financial foundation.



Protection – Wealth preservation ensures your assets grow while providing a legacy for your family. There are a variety of strategies that are aimed at securing your wealth for the long term.



Retirement & Estate Planning – The reality of retirement has changed. Find out how to make a foolproof plan for your silver years.


2. Empower your physical health from the inside out

Empower the health of your company, from the inside out

Enhanced Protection & Healthcare for everyone!

  • Access to Health and Wellness services at preferred rates
  • Access to protection plans across hospitalisation, personal accident coverage
  • Tap on fully digital platform for seamless, paperless experience for medical and healthcare services
3. Let’s get future-ready with digital tools!

Empower your workforce; make them future-ready

Our extensive digital offerings spanning everyday banking, transfers and remittances and financial planning aim to save time and alleviate pain points.

Manage your money anytime, anywhere with DBS digibank online. On top of everyday banking services, digibank allows you to apply for new accounts and credit cards instantly, manage your finances and more.

Singapore’s favourite payments app PayLah! offers a growing list of >80,000 acceptance points islandwide and a world of exclusive deals for food, shopping, rides, movies and more.

4. Empower your money by making it work harder for you

Empower your money by making it work harder for you

Helping you stretch that dollar with a host of offers and facilities

  • Earn and Save with our accounts and Services
  • Shop, Tap and be Rewarded with our wide range of credit cards
  • Stay Covered with our protection plans
  • Let your dreams take flight by tapping on our financing options
  • Grow your Money and invest like a pro with our tools and solutions
  • Access Deals and Savings across Travel, Car, Energy and Property purchases with DBS Marketplace where we leverage partners to bring more value and convenience to our customers!

Visit our marketplace to do more, save more and enjoy more benefits!

These are some of our special offers available via Workplace Banking

*Published interest rates are subject to change without notice. Privilege does not apply to promotional packages offered by the Bank from time to time.

DBS Remit

DBS Remit

  • Same-day transfers at $0 fees when you transfer money online using DBS Remit.
  • Special Promotion:
  • FX Watch - Auto transfer at your predetermined FX rate
  • Preferential Flexi FX Rates.
DBS Cashline

DBS Cashline

  • DBS Cashline is a line of credit that offers you more flexibility when you need quick access to extra cash
  • Special Promotion for New DBS Cashline Applicants:
  • Interest Rate of 6.88% p.a.* for 1st two (2) years and two (2) years annual fee waiver

    Usual IR: 20.5% p.a.
DBS Multiplier

DBS Multiplier

  • Multiply your money now with higher interest rates on bigger savings up to S$100,000.
  • Multiplier also doubles up as a multi-currency account so you can make cashless payments worldwide when you link it with a DBS Visa Debit Card.
  • You can also save, transact, invest and remit in foreign currencies.
DBS Renovation Loan

DBS Renovation Loan

  • DBS Renovation Loans, gives you flexibility and peace of mind creating your dream home.
  • Special Promotion for Employees of DBS Workplace Banking Partners:
  • Interest Rate of 2.88% p.a.* (till 31st March 2020)

    Usual IR: 4.88% p.a.
5. Care that extends beyond the walls of your company

Care that extends beyond the walls of your business

Education and Awareness

Tap on the DBS Foundation for you and your colleagues to Learn various ethical practices one can adopt to impact the environment and community positively.

McKinsey The Business of Sustainability

Dexter, 25

IT Manager, ambitious, early-adopter, Dexter loves to use technology to make life simple. He understands he is the boss of his money, be it managing his salary or buying that new gadget. He wants to make the most of every opportunity. He is currently saving up to buy his first car.

Dexter really likes these:

DBS Multiplier Account: to multiply his money up to 3.8% p.a., with no minimum salary requirement and credit card spend.
DBS Live Fresh Credit Card: to earn 5% cashback on online and Visa payWave
DBS PayLah!: to pay with ease and enjoy everyday deals
DBS Marketplace: to do more, save more and get more benefits, all because he banks with DBS.

Juliana, 49

She is the pillar of strength of the office and family. Juliana likes to be in the know of the best deals, learning new skills and hopes that one day her hard-earned money will work for her. She has been already using the DBS Multiplier Account and reaping the benefits.

Julianna really likes these:

POSB SAYE: Because she already credits her salary with DBS, she can earn additional 2% p.a. interest by setting a monthly savings plan with POSB.
POSB Everyday Credit Card: Not only is this Singapore’s most-loved rebate card, it’s Julianna’s too!
Insure & Protect: She knows insurance is important in her future and financial security. Juliana makes an informed decision before purchasing any plans by educating herself on all things insurance.
DBS Home Loans: For Juliana, her home is her biggest investment and forms a large part of her monthly expenses, so as a bargain-hunter, finding the most attractive home loan is in her DNA.

Christine, 36

She is the quintessential go-getter, loves exploring new places and is a frequent flyer for work. She regularly uses technology to simplify her journey wherever it might take her.

Christine really likes these:

DBS Multiplier: 24/7 money-changer in one account, with 13 currencies at your fingertips and no FX fees for fuss-free travel.
DBS Altitude Credit Card: with up to 3 miles/S$1 on all spend, miles that never expire and complimentary global airport lounge access, it’s the faster and easier way to fly anywhere.
DBS Remit: Same-day transfers at $0 fees when you transfer money online. And with FX watch, you can set your preferred rate to track and automatically transfer for you.
DBS Car Loans: to get affordable interest rates, redemption plans and more.
DBS Treasures: Our digital wealth management platform DBS iWealth empowers you, giving you access to financial expertise, insights and investment tools to grow your wealth anytime, anywhere.

COVID-19 Relief Programmes

HDB Loan with Super Cash Reward

If you have a HDB loan that is not with DBS/POSB in Singapore, you can consider refinancing with us.

We have specially designed a Super Cash Reward Package to ease your cashflow concerns during this period.  Receive an upfront lump sum cash reward when you refinance your HDB Loan to us, plus other benefits

  1. Get up to S$10,000 cash reward

    Cash RewardLoan Amount
    S$5,000S$200,000 to < S$400,000
    S$8,000S$400,000 to < S$600,000
  2. Defer your home loan monthly instalments till December 2020

    Defer payment of your home loan monthly instalment till December 2020 with no late payment interest and no impact to your Credit Bureau record.

    Monthly instalment payment shall resume from January 2021.

    Note: During the deferment period, interest will continue to accrue.

  3. Pay less Interest

    Pay less interest, compared to the HDB Concessionary Loan, between the second and fifth year.  Enjoy peace of mind as your interest rate will be fixed for the next 5 years. ​

    Year 1:Year 2 - 5:Thereafter :
    2.60% p.a.1.80% p.a.FHR24 + 1.10% p.a.

    FHR24 refers to DBS Bank's prevailing 24 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify. It is currently 0.90% p.a.

    Unlike other fixed rate loan, you will enjoy the flexibility to make prepayment or fully redeem your home loan when you sell your HDB flat, without any penalty.


    John has a S$300,000 HDB Concessionary Loan at 2.60% p.a., with 20-years loan tenor.

    His current home loan monthly instalment payment is S$1,604.

    Assuming John refinances his HDB loan in August with DBS’ Super Cash Reward package, he will:

    • Receive S$5,000 cash upfront upon refinancing;
    • Defer his monthly instalments from August until December 2020; and
    • Lower his monthly instalment to S$1,494 (i.e. S$110 savings per month) from Year 2 to 5.

Apply now


  • Minimum 21 years old.
  • Singaporean Citizen or PR
  • HDB flat is a 3-room flat or larger
  • Have an existing HDB home loan (from either HDB or other Financial Institution) of S$200,000 or more (to qualify for the Super Cash Rewards).

NOTE: Existing Flat owners can choose to refinance their outstanding HDB loans with banks without any financial penalty. Please note that HDB does not let you refinance the same loan back to HDB

Credit Card & Personal Loans Relief

We know with the challenging times ahead, there might be pressure on your loan repayments and cashflow. Let us help you manage your monthly repayments and save on interest with our Credit Cards and Personal Loans Relief.​

If you have outstanding balances on a DBS/POSB Credit Card or Cashline in Singapore, we can:

  • Convert your outstanding balances into a fixed monthly instalment loan for up to 5 years at applied interest rate of 4.25% p.a.
  • Offer a waiver of early repayment penalty

Terms & conditions apply.

Apply now

If you have outstanding balances on credit cards or credit lines with other banks, we can:

  • Consolidate your outstanding balances and clear your existing debt faster with a fixed monthly payment from interest rates as low as 3.58% p.a.
  • Offer a loan tenure up to 8 years

Find out more

If you have short term needs for additional cash, we can help you with:

  • Short term funds at 0% interest for up to 12 months
  • Flexible repayment at $50 or 2.5% of the statement balance, whichever is higher

Find out more

If you need to apply for a credit card, we can:

  • Offer you a 2-year annual fee waiver. Available for applicants whose annual income is more than $30,000 (Singaporeans) and more than $45,000 (Foreigners)

Find out more

Home Loan Payment Relief

Being in an industry impacted by this outbreak, we would like to help ease your cashflow through DBS Home Loan Payment Relief.

If you have an existing residential private property home loan with DBS/POSB in Singapore, the DBS Home Loan Payment Relief allows you to:

  • Defer payment of your home loan monthly instalment till Dec 2020
  • Resume the payment of your monthly instalment from Jan 2021 only
  • Avoid late payment interest, with no impact to your Credit Bureau records

Apply now


  • You must be an employee.
  • Your monthly income has been reduced due to this outbreak
  • You have a good loan repayment history
Renovation Loan Payment Relief

In this challenging period, you may choose to defer payment of the monthly instalments for your renovation loan through our Renovation Loan Payment Relief.​

  • Defer payment of your monthly instalment till December 2020
    (Note: During the deferment period, interest will continue to accrue)​
  • Resume the payment of your monthly instalment from January 2021
  • Avoid late payment interest, with no impact to your Credit Bureau records​


  • Your account is not in arrears for more than 90 days.​

From January 2021, monthly instalment payments will resume and they will be used to pay for the total accrued interest followed by principal repayment. Please note that the total interest payable over the entire loan tenure will be higher as there is no principal repayments during this period and interest will continue to be accrued on the outstanding principal amount.​

Apply now

Please allow us 14 working days to review your application. You will receive a SMS to notify you about the status of your application. Successful applicants will receive a letter with more details on the monthly repayment amount.

For deferment to be effective in the same month, please submit your application by 20th of the month. Applications made after 20th of the month will be processed for deferment to commence in the month after.

Insurance Relief

On 31 March 2020, The Monetary Authority of Singapore (MAS), together with the Association of Banks in Singapore (ABS), the Life Insurance Association (LIA), the General Insurance Association (GIA), and the Finance Houses Association of Singapore (FHAS), announced a package of measures to help ease the financial strain on individuals caused by the COVID-19 pandemic.

We understand that in these challenging times, you may have queries regarding your existing insurance policies with DBS. As such, we have put together the contact information of the relevant insurers for you.

AIA Singapore Pte Ltd

  • 1 Finlayson Green
    Singapore 049246
  • 3 Tampines Grande
    Singapore 528799

Tel: 1800 248 8000 or 65-6248-8000 (from overseas) (Mondays – Fridays: 8:45am – 5:30pm, Public Holidays: Closed)
Email address: [email protected]

Aviva Singapore

4 Shenton Way, SGX Centre 2
#01-01, Singapore 068807

Tel: (+65) 6827 7988 (Mondays – Fridays: 8:45am – 5:30pm, Public Holidays: Closed)
Email address: [email protected]

For more information, please click here.

AXA Insurance Pte Ltd

8 Shenton Way
#01-21/22 AXA Tower
Singapore 068811

Tel: 1800 880 4888 or +65 6880 4888 (International) (Mondays – Fridays: 9:00am – 5:30pm, Public Holidays: Closed)

For more information, please click here.

Chubb Insurance Singapore Limited

Tel: (+65) 6398 8797 (Mondays – Fridays, 9.00am to 5.00pm, Public Holidays: Closed)
Email address: [email protected]

For more information, please click here.

Direct Asia Insurance (Singapore) Pte Ltd

Tel: (+65) 6665 5555 (Mondays – Fridays: 8:00am – 8:00pm, Public Holidays: Closed)
Email address: [email protected]

HSBC Insurance (Singapore) Pte. Limited

9 Battery Road
#12-01 MYP Centre
Singapore 049910

Tel: (+65) 6225 6111 (Mondays – Fridays: 9:00am – 5:00pm, Public Holidays: Closed)
Email address: [email protected]

Manulife (Singapore) Pte. Ltd.

8 Cross Street #01-01A
Manulife Tower
Singapore 048424

Tel: (+65) 6833 8188 (Mondays – Fridays: 9:00am – 6:00pm, Public Holidays: Closed)
Email address: [email protected]

For more information, please click here.

MSIG Insurance (Singapore) Pte. Ltd.

For more information, please click here.

NTUC Income Insurance Co-operative Limited (Income)

75 Bras Basah Road,
Income Centre
Singapore 189557

Tel: (+65) 6788 1122 (for Life Insurance policies) and (+65) 6788 6616 (for General Insurance policies) (Mondays – Fridays: 8:30am – 6:30pm, Public Holidays: Closed)

For more information, please click here.

Tokio Marine Insurance Singapore Ltd.

20 McCallum Street #07-01
Tokio Marine Centre
Singapore 069046

Tel: (+65) 6592 6100 (for Life Insurance Policies) and (+65) 6221 6111 (for General Insurance policies) (Mondays – Fridays: 8:45am – 5:45pm, Public Holidays: Closed)
Email address: [email protected] (for Life Insurance Policies) and [email protected] (for General Insurance policies)

For more information, please click here.

Transamerica Life Bermuda Ltd

1 Finlayson Green
Singapore 049246

Tel: (+65) 6212 0620
Email address: [email protected]

Complimentary coverage against COVID-19 if you are a Manulife policyholder

Manulife is offering complimentary COVID-19 coverage for all its policyholders.

Coverage details:

  • S$1,500 lump sum payout upon diagnosis of COVID-19
  • S$2,000 lump sum payout for hospitalisation of 5 days or more for confirmed diagnosis of COVID-19
  • S$30,000 death benefit from COVID-19 infection

Coverage is automatic for existing and new customers and applies on top of other policies that you may already have, including COVID-19 Hospital Cash Insurance.

Find out more about the Terms & Conditions governing this complimentary coverage by Manulife, or speak to us if you have any questions about your Manulife policy.