Baby Bonus Scheme

Children bring joy to the family. To support couples in their decision to have more children, the Baby Bonus Scheme helps to manage the costs of raising children. The ​Baby Bonus Scheme is part of the Marriage and Parenthood Package and comprises the Baby Bonus Cash Gift and the Child Development Account (CDA) benefits.​

The current scheme for Singapore Citizen children whose date of birth is on or after 14 Feb 2023, is as follows:

Baby Bonus Scheme Benefits ​
​Birth Order ​	Baby Bonus Cash Gift	CDA
		First Step Grant (No initial deposit from parents required)	Maximum Government Co-Matching​
1st Child	$11,000	$5,000	$4,000
2nd Child	$11,000	$5,000	$7,000​
3rd Child	$13,000	$5,000	$9,000
4th Child	$13,000	$5,000	$9,000​
5th and Subsequent Child	$13,000	$5,000	$15,000​

For information on the Baby Bonus Scheme, please visit our FA​Q​​​​​.

You can check if your child is eligible for the Baby Bonus benefits by using the 'Eligibility Check'. ​​​

Joining the Scheme

From 1 July 2024, all parents can apply for the Baby Bonus Scheme at LifeSG​​​ or via LifeSG mobile app. ​

Cash Gift and Child Savings Account (CSA)

From 1 July 2024, when a child is enrolled into the Baby Bonus Scheme, a Child Savings Account (CSA) will be opened automatically at the same time when a CDA is opened for a child. The CSA is a joint-savings account (jointl​y held by the CDA trustee and the child) that allows the child to conveniently receive the Government cash payments such as:

• Baby Bonus Cash Gift
  
• Education awards
  
• Financial assistance
  

You can expect to receive the Baby Bonus cash gift in y​our CSA within 7 to 10 working days of your child's birth registration, or after your child's enrolment into Baby Bonus Scheme, whichever is later. The cash gift is disbursed every 6 months till the child turns six-and-a-half years. You can use the cash gift to pay for your newborn child's expenses.

A child is eligible for the Cash Gift if:

1. He or she is a Singapore Citizen; and
2. His or her parents are lawfully married.
   

​ ​Time ​	​Amount of Cash Gift to be Disbursed​ ​
	1st and 2nd Birth Orders​	​​3rd and Subsequent Birth Orders
At birth	$3,000	$4,000
6 months	$1,500​	$2,000​
12 months	$1,500	$2,000
18 months	$1,000	$1,000
From 2 years until 6.5 years	$400 every 6 months	$400 every 6 months
Total	$11,000	$13,000

CDA

After your child is successfully enrolled into the Baby Bonus Scheme, you will receive an email and a message in your LifeSG inbox with instructions on how to open your child's CDA at your selected bank (DBS/POSB, OCBC or UOB). You can expect the CDA to be opened within the day after you have completed the instructions to open CDA. 

The CDA is a special co-savings account. When a CDA is opened at DBS/POSB, OCBC or UOB, your child will receive the (a) CDA First Step Grant which will be automatically deposited into the CDA without you having to save first; and (b) dollar-for-dollar Government co-matching for each dollar that you deposit in the CDA, up to the maximum Government co-matching cap. You can save into and use the CDA until 31 December of the year your child turns 12 years old. 

You can use the CDA funds at the Baby Bonus Approved Institutions (AIs) to pay for the following expenses of your child:

• Fees for registered childcare centres, kindergartens, special education schools and early intervention programmes​
  
  
• Medical expenses at healthcare institutions such as hospitals and General Practitioner clinics
  
  
• Premiums for MediShield Life or MediSave-approved private integrated plans
  (Note: If premium is paid by MediSave, there must be cash top-up to MediSave before the CDA can be used to reimburse the parent.)
  
  
•  Assistive technology devices
  
  
•  Eye-related products and services at optical shops
  
  
•  Approved healthcare items at pharmacies
  

To search for an AI, visit ‘Approved Institutions’. 

Child Development Account (CDA) related services are directly available from your CDA bank portal/mobile app: