DBS Business Multi-Currency
Account – Starter Bundle

S$398 cash rewards + up to S$265
in savings per FX and overseas transfer

DBS Business Multi-Currency
Account – Starter Bundle

S$398 cash rewards + up to S$265
in savings per FX and overseas transfer

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Is your business more than 3 years old? You deserve an upgrade to the Business Multi-Currency Account. Apply now to get started.

Current Promotions
S$138 Cash for your new account¹ S$80 Cash when you activate and spend min. $1,000 on your BAC+ debit card¹ Up to S$180 cashback with a min. spend of S$1,000 per month for first 3 months on your BAC+ debit card² Enjoy S$15 flat fee for every overseas payment during the offer period^3# Up to S$250 in FX savings per transaction on DBS IDEAL during the offer period^4# Enter the campaign code “DBS4SMES” in the campaign code field of the online account opening form to enjoy this offer.

Current Promotions

S$138 Cash for your new account¹
S$80 Cash when you activate and spend min. $1,000 on your BAC+ debit card¹
Up to S$180 cashback with a min. spend of S$1,000 per month for first 3 months on your BAC+ debit card²
Enjoy S$15 flat fee for every overseas payment during the offer period^3#
Up to S$250 in FX savings per transaction on DBS IDEAL during the offer period^4#

Enter the campaign code “DBS4SMES” in the campaign code field of the online account opening form to enjoy this offer.

_{¹Limited to the first 200 sign ups each in Jul, Aug and Sep 2026.}

_{²Find out more here.}

_{³S$15 flat fee applies to each OTT transaction during the offer period, excluding agent bank charges. No minimum or maximum transaction count and amount applies.}

_{⁴Estimated FX savings of up to S$250 are based on a single transaction amount of S$200,000. Actual savings may vary depending on transaction amount (capped at S$200,000 per transaction) and market conditions. There is no cap on the number of transactions.}

_{^#Applicable to all new customers who open accounts from 1 Jul 2026 to 30 Sep 2026. The offer period is applicable for 3 consecutive months starting from the month after account opening (cut-off: 24th each month; for accounts opened after the 24th, the offer period will start in the month following the next month).}

_{Terms & Conditions apply here.}

_{Please refer to link for disclaimers relating to Global Financial Markets sales and/or trading materials of DBS Bank Ltd. This advertisement/material has not been reviewed by the Monetary Authority of Singapore.}

The perfect new business account to lift off your young business

Start Strong with Zero Barriers

Save more from Day 1 with no monthly service charge and unlimited free FAST & GIRO payments.
Flat S$30 telegraphic transfer fee, excluding agent bank fees.
Complimentary DBS Business Advance+ Debit Card with S$0 FX fees, unlimited 1% cashback, plus insurance protection.
Access exclusive partner discounts on accounting solutions, digital marketing platforms and SaaS.

Simplify Global Payments and Save on Foreign Exchange

Avoid conversion fees when receiving overseas payments or paying vendors.
Lock in preferred FX rates for up to 1 month with SecureFX - no credit lines needed.

Get Paid Without the Chase

One-stop platform (DBS IDEAL) to manage all your banking needs.
Automated accounting integration with Xero and more - save hours on reconcilliation.
DBS MAX App: collect payments faster and at lower cost, so your cash flow never stalls.

Exclusive Benefits designed for Startups

Open a Starter Bundle and enjoy a complimentary DBS Fixed Deposit Account - giving your business ways to save and grow:

No account fees
Flexible maturity periods
Attractive fixed deposit rates
Placements in 11 currencies

Account Fees Overview

S$10 monthly account fee
S$0 account set up fee for businesses with fully local ownership
No monthly service charge

Apply for a Business Starter Bundle Now

By clicking Apply now , you agree to the DBS Privacy Policy and General Banking Terms and Conditions.

Note: Fees are inclusive of GST where applicable. View the Pricing Guide for details.

How to Open A Business Multi-Currency Account – Starter Bundle

1

Step 1: Get ready

Have your company’s UEN and the contact details of all account users on hand to apply quickly.

2

Step 2: Complete your application online

Missing some information? You can always save as draft to continue later.

3

Step 3: Look out for our good news

We'll email your account access info upon successful application.

Apply for a Business Starter Bundle Now

Third Party Accounting Software Integration

Link your Business Multi-Currency Account – Starter Bundle with leading accounting software like Xero and Financio. This integration simplifies your financial management by seamlessly providing banking transactions and data, saving you time and reducing manual effort. Automate your reconciliation and streamline your financial workflows.

Accounting Software	Details
	Connect your DBS account to Info-Tech Get your transactions updated automatically, giving you better visibility over your business finances. Find out more
	Connect your DBS account to Xero Delivers daily bank statements, helping SMEs stay on top of your cashflow and run your business more efficiently. Find out more
	Connect your DBS account to QuickBooks Get up-to-date transactions automatically, giving you the confidence to make smarter business decisions every day. Find out more
	Connect your DBS account to Financio Get your daily bank transactions automatically updated and initiate payments from the platform, less manual work and more time to grow your business. Find out more

Frequently Asked Questions

	What documents do I need to prepare to apply for a Business Multi-Currency Account – Starter Bundle?
	Singapore incorporated companies fully owned by Singapore citizens or PRs may not need to submit documents. However, some businesses might require additional documents as shown within this checklist and a relationship manager will contact you if needed. For businesses with foreign beneficiaries, please apply here.

	I am unable to find my company on the 'ACRA Details' step in the online application form. Why?
	Try keying in your company name without 'Pte Ltd', etc. and you should be able to locate your company. Please note that if your company is newly registered, it will take 2 working days before your company details can be retrieved via ACRA search.

	Am I missing anything if I apply for this Business Multi-Currency Account – Starter Bundle?
	Absolutely not! You’re getting the same DBS Business Multi-Currency Account that supports 13 currencies. If your business is a young enterprise or start-up, you would be happy to know that the Starter Bundle was specially created to support your budding company with affordable and accessible banking services.

	Can you consider my application for Business Multi-Currency Account – Starter Bundle if my company has been incorporated for more than 3 years?
	We’re afraid you would have to apply for DBS Business Multi-Currency Account instead.

	I've just started my business and opened a Business Multi-Currency Account – Starter Bundle. What happens when my business turns three years old?
	Congratulations on your new venture! You'll seamlessly transition to our Business Multi-Currency Account designed for established businesses. We'll reach out proactively closer to your three-year anniversary to notify you on the conversion, ensuring a smooth switch with minimal disruption to your banking.

	Why should I open a Business Multi-Currency Account – Starter Bundle instead of using my personal account?
	Protect your personal assets and simplify your finances. A dedicated business account provides a clear separation between your business and personal transactions, making accounting easier and offering liability protection. Plus, it builds credibility and professionalism for your business.

	Why should I choose a Business Multi-Currency Account – Starter Bundle, even if I mostly use SGD?
	With the DBS Business Multi-Currency Account, you can transact in SGD and 12 other currencies. Best of all, you only need to manage all these different currencies from one account.

	Which currencies are supported by the Business Multi-Currency Account – Starter Bundle?
	With just one account, you can hold 13 major currencies, including SGD, AUD, CAD, CHF, CNH, EUR, GBP, HKD, JPY, NOK, NZD, SEK, and USD.

What are the benefits of online and mobile banking for my business?

DBS IDEAL can be accessed at any given time, on any given day, including, weekends and Public Holidays. In addition, you can bank on-the-go by downloading the DBS IDEAL Mobile app.

A variety of online banking services are available on DBS IDEAL Mobile. You can also make immediate payments with Scan & Pay with PayNow using IDEAL Mobile. You can even perform COE bidding and apply online loan for business via DBS IDEAL.

	Why do I still need a Business Debit Card?
	It’s free! What’s more, enjoy true $0 FX fees for all currencies across 200+ countries & territories, unlimited 1% cashback, and up to US$1.6M complimentary corporate liability insurance when you apply for the DBS Business Advance+ Card.

	How can I make use of the unlimited free FAST and GIRO transactions?
	You can make as many FAST and GIRO payment transactions as you need for free. These payment transactions must be made via DBS IDEAL. From Q4 2022, unlimited free FAST and GIRO payment transactions for the Starter Bundle excludes Bulk Payments or Payroll transactions —these are chargeable at standard rates as listed on our pricing guide.

	Can I still make over-the-counter transactions in person at DBS Bank branches?
	Yes, you can. Kindly note that there is an over-the-counter charge of S$40 per transaction. You can save money by performing payment issuance and collections transactions digitally. To make cash deposits, you can use our cash deposit machines for free.

	Can I get business loans or credit facilities as a new company?
	DBS Quick Finance enables fast access to financing of up to S$50,000 with no documents required for new customers and up to S$300,000 for DBS SME customers with a working capital loan.

Ways to get help

We are ready to assist you with any enquiries, feedback, or complaints you may have.

Chat with us

Our chatbot Joy will answer your questions and connect you with our customer support team, BusinessCare.

To start chatting, go to the bottom right corner of the page. Select the chat icon.
Learn more about it, including the live chat operating hours.

Alternatively, leave a message with our chatbot, Joy. We will get back to you within 3 working days.

Call us

Operating hours: Monday–Friday, 8.30am–8.30pm (excluding public holidays)

Reporting a scam can be done 24/7, at any time.
In Singapore: 1800 222 2200
From overseas: +65 6222 2200

Locate us

To drop off forms and for cash transactions, visit a DBS bank branch.

For other issues, contact BusinessCare. If in-person help is needed, they can set up an appointment at an SME Branch.

DBS Business Multi-Currency Account – Starter Bundle