DBS Resilience Package

DBS Resilience Package

Take your business online with our
digital solutions and get bonus payouts

DBS Resilience Package

Take your business online with our
digital solutions and get bonus payouts

About Digital Resilience Bonus

The Digital Resilience Bonus (DRB) by IMDA was initiated to uplift the digital capabilities of a broad base of enterprises, starting with the F&B and Retail sectors. To help streamline the digital solutions you’d need to qualify and claim up to S$10,000 from the different categories of payouts, we have launched the DBS Resilience Package with our partners. 

Check out your eligibility and solutions we have curated for the different sectors and build your business resilience step by step! 

How to claim the payout
Step 1
Complete the prerequisites
Step 2
Complete to get S$2,500
Step 3
Complete to get S$2,500
Step 4
Complete to get S$5,000
Ensure you have PayNow Corporate and use InvoiceNow (Peppol e-invoicing). Use digital solutions that help streamline your operations in accounting, HR/Payroll and ordering (F&B) /e-commerce (retail).

Use digital solutions to set up your digital presence and digital ordering (F&B) /e-commerce (retail) as an additional channel of revenue to grow your business. This qualifies you for Category 1 and Category 2 under the DRB.

Use Data Mining & Analytics solutions for more valuable insights to make informed business decisions.

Please check back for solutions under this category.


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Let Uncle Lim show you how easy it is to qualify and claim for the Digital Resilience Bonus with DBS.


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Our Partners



  • Financio is a Peppol ready accounting software that offers real time reports, automated bookkeeping, cash flow and tax management features. What’s more, it integrates with DBS Bank Feeds for daily reconciliation and FAST payments so you can make direct payments to your suppliers without switching platforms! Sign up now and receive 18-months free subscription. 


  • Xero is a Peppol ready accounting software that connects to 800 over apps across HR/payroll, inventory, point-of-sale and more, to suit your business needs. What’s more, it integrates with DBS Bank Feeds for daily reconciliation and FAST payments! Sign up now and receive 6-months free subscription.
Human Resource



  • Talenox is a user-friendly web-based solution and can be integrated to accounting software for easy payroll and leave management. Sign up now and receive S$720 credits.


  • Payboy is a cloud-based HRMS with payroll, leave, claims, time attendance and shift-scheduling functions used by more than 300 companies and 15,000 users. Sign up now and receive S$540 credits.
Accounting and Human Resource



  • A local cloud-based integrated Accounting and Human Resource software that allows your accounting module to integrate with your HR and inventory functions. Dashbod is IRIAS compliant and Peppol ready and enables you to keep track of inventory and maintain a general ledger. The HR module enables tracking of attendance, management of leave and issue MOM-compliant payslips. Sign up now and receive 12-months free subscription.
Digital marketing and e-commerce



  • FirstCom is a web design and digital marketing agency that can help F&B and Retail SMEs create their own online shopfront / e-commerce that can be fully integrated with DBS bank feeds (through DBS MAX client integration) – so business owners can get a consolidated view of online and offline receivables and increase revenue streams! Sign up now and receive up to 80% off (valued at S$8,000). 
What is the Digital Resilience Bonus (DRB)?

The Digital Resilience Bonus (DRB) was announced during the Fortitude Budget speech made by Deputy Prime Minister Heng Swee Keat in May 2020. The DRB provides additional support to enterprises seeking to uplift their digital capabilities to adapt to safe management practices after the circuit breaker period. As a pilot, the Bonus will be targeted at the Food Services and Retail sectors. More information on the Digital Resilience Bonus can be found here.

How can a SME receive the Digital Resilience Bonus (DRB) payout and how much can a SME receive?

According to the Infocomm Media Development Authority (IMDA), enterprises incorporated in Singapore on or before 26 May 2020 in the food services and retail industries can receive DRB payouts of up to S$10,000, if they meet the eligibility criteria and requirements of the DRB which includes:

  1. Adopting PayNow Corporate (UEN Proxy only) and InvoiceNow; and 
  2. Adopting the digital solutions in each of the 3 required categories stipulated by the IMDA for the food services or retail industries (as applicable) and utilising each digital solution at least once a month.

The DRB payout for Category 1 (Business Process Solutions) and 2 (Digital Presence) is S$2,500 per enterprise per category, while the DRB payout for Category 3 (Data Mining and Analytics) is S$5,000 per enterprise. Eligible enterprises that fulfil the requirements of all categories will receive S$10,000.

For further information on the eligibility criteria and requirements for the DRB and details of the various categories can be found here.

What are the mandatory criteria to be eligible for the Digital Resilience Bonus (DRB)?

According to the IMDA, before you are eligible for any of the 3 categories of DRB payouts, the mandatory baseline criteria that needs to be met includes the following, your UEN:

  1. needs to fall under the Food Services or Retail sectors as at 26 May 2020:
    1. Generally, food services enterprises include restaurants, cafes, snack bars and food kiosks, bakeries, fast food outlets, food caterers, canteens, food courts, coffee shops and eating houses. For more details, you can refer to the SSIC codes provided by IMDA here.
    2. Generally, retail enterprises include those in footwear, bags, clothing, furniture, jewellery, watches, cosmetics, hardware, pet supplies, toys, books, handphones and computer hardware. For more details, you can refer to the SSIC codes provided by IMDA here.
  2. must be incorporated in Singapore on or before 26 May 2020
  3. must have an active PayNow Corporate (UEN proxy only)
  4. must be registered on the Peppol E-invoicing network.
    You can refer to this link for more information on the Nationwide E-invoicing initiative
Do I need to be a DBS SME banking customer to sign up for the DBS Resilience Package?

Yes, the DBS Resilience Package is available to DBS SME customers only who have a DBS business account.

How do I receive Digital Resilience Bonus (DRB) payout into my DBS business account?

According to the IMDA, the first enterprises that adopt the pre-defined solutions will receive their first DRB payouts in August 2020. Those that adopt these solutions later will receive their DRB payouts in later months. IMDA will have a monthly cycle
of assessing enterprises’ eligibility for the DRB and making the DRB payouts. Processing time will take about 1 month, upon the submission of UENs by Providers of Qualified Solutions (or Supporting Banks) to IMDA. For DBS customers under the DBS Resilience
 Package, the payout will be via PayNow Corporate to your DBS Business Account.

In addition, you will need to ensure that your: 

  1. PayNow Corporate is linked to your DBS business account and;
  2. PayNow Corporate proxy is UEN only without any 3-digit alpha-numeric suffix behind

For more information on PayNow Corporate, please click here.

For more information on the eligibility criteria and other requirements of the DRB, please click here.

How can I seek help to understand how to fulfil the eligibility criteria?

If your UEN is incorporated on and before 26 May 2020 and falls under the approved SSIC codes in the Food Services and Retail sector as stipulated by IMDA, please reach out to us by applying for the DBS Resilience Package using the application form here. A DBS representative will reach out to see how we can assist you in this respect.

How has the DBS Resilience Package been designed with the Digital Resilience Bonus (DRB) in mind?

The DBS Resilience Package has been structured to connect your business with various service providers offering digital solutions which fall within the categories of qualifying digital solutions for the DRB, as stipulated by the IMDA.

For more information on IMDA’s classification of the respective categories please click here.

For example, a food services business incorporated in Singapore on or before 26 May 2020 could qualify for the DRB by taking the steps shown below:

Step 1 - To meet the other mandatory baseline criteria and qualify for a DRB payout under Category 2 (Digital Presence):

  1. Register for PayNow Corporate with your UEN and link it to your DBS business account. Click here to access a PayNow Corporate registration guidebook. 
  2. Sign up for Financio or Xero through DBS Start Digital to be Peppol ready
  3. Sign up with FirstCom to establish your digital online presence and have at least one transaction a month. 

Step 2: -To qualify for a DRB payout under Category 1 (Business Process Solutions):

  1. Accounting: Utilise (at least once a month) either Financio or Xero; 
  2. HR/Payroll: Sign up for Talenox and utilise Talenox (at least once a month); and  
  3. Digital Ordering for Dine-in/Takeaway: Sign up for Oddle and utilise Oddle (at least once a month)

Further details on the eligibility criteria and requirements for receiving DRB payouts can be found here.

Take note that we are in the process of rolling out a retail edition of the DBS Resilience Package. This will be announced in the coming weeks.

What if my business is in the retail sector?

Businesses in the retail sector can sign up for the DRP and DBS will conduct the necessary checks on the company’s behalf to determine if they qualify for the Digital Resilience Bonus payout.

What if I have taken up Start Digital solutions with another provider or already adopted a digital solution from the list of approved IMDA vendors and platforms?

Please check with your respective service providers on how you can receive your DRB payout.

When does the Digital Resilience Bonus (DRB) end?

According to IMDA, all solutions must be adopted by 30 June 2021.