Parents’ Guide to Baby Bonus in Singapore: Eligibility, Payout & More

Last updated on February 8, 2024

What is the Baby Bonus Scheme?

The Baby Bonus Scheme was first introduced in 2001 to address low fertility rates by encouraging married couples to have more babies. It aims to do so by helping parents manage the costs of raising a child in Singapore.

This guide to the Baby Bonus Scheme explains more on the Baby Bonus benefits, eligibility criteria, as well as the application process.

What Does the Baby Bonus Scheme Constitute?

The Baby Bonus Scheme comprises the Baby Bonus Cash Gift (BBCG) and a Child Development Account (CDA) – a special co-savings scheme for your child.

The CDA has two components –  the First Step Grant, and Government co-matching of parents’ savings.

Cash gift 

The cash gift is an amount of cash given to parents of a new-born to help defray the cost of raising and caregiving. Parents can use the money however they like.

The Government has increased the BBCG by $3,000 for children in all birth orders, and adjusted the payout schedule to provide financial support on a regular basis, once every six months till the child turns six-and-a-half years. This way, parents can receive sustained support all the way till their child enters primary school. In total, for children born on or after 14 February 2023, parents will receive receive a total of S$11,000 each for the first and second child, and S$13,000 each for the third and subsequent child

The table below sets out the cash gift payout schedule:

When Amount of Cash Gift Per Child
For 1st and 2nd Child For 3rd and Subsequent Child
At birth S$3,000 S$4,000
Child turns 6 months old S$1,500 S$2,000
Child turns 12 months old S$1,500 S$2,000
Child turns 18 months old S$1,000 S$1,000
Child turns 2 until 6.5 years +S$400 every 6 months +S$400 every 6 months
Total S$11,000 S$13,000

CDA benefits

The CDA is a special savings account for your child.

Under the CDA benefits, there is the CDA First Step Grant and the Dollar-for-Dollar Matching Cap.

The CDA First Step Grant is a government grant of $5,000 that is deposited into your child’s CDA account.

The Dollar-for-Dollar Matching allows parents to enjoy dollar-for-dollar matching from the government when they save into your child’s CDA, up to the Government co-matching cap. The Government has increased the co-matching cap by $1,000 for children in the first and second birth orders. You can save into and use the CDA at any time before 31 December of the year your child turns 12 years old.

The Baby Bonus Scheme has been enhanced for eligible children born on or after 14 February 2023. These are set out in the table below:

Birth order

Baby Bonus Scheme (enhanced)

Baby Bonus Cash Gift 

Child Development Account (for approved uses, such as healthcare and preschool fees)

First Step Grant 
(parents’ savings not required)

Maximum Government co-matching

1st Child

$11,000

$5,000

$4,000

2nd Child

$5,000

$7,000

3rd Child

$13,000

$5,000

$9,000

4th Child

$5,000

$9,000

5th & Subsequent Child

$5,000

$15,000

What Can the Funds of the Baby Bonus Scheme be Used For? 

The cash gift can be used flexibly to defray any cost as the parents deem fit (e.g. purchase of diapers, as savings for the child’s future education).

The funds in the CDA account have certain restrictions on what they can be used for. They cannot be withdrawn in cash and may be used on the newborn child and their siblings only. The funds may only be used at/for:

  • 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
  • Assistive technology devices
  • Eye-related products and services at optical shops
  • Approved healthcare items at pharmacies

You can visit the Ministry of Social and Family Development’s Approved Institution webpage for the full list of organisations where the CDA savings can be used at.

Any savings left in the CDA after the year your child turns 12 will be transferred to his or her Post-Secondary Education Account (which helps parents save for their children’s post-secondary education needs). Parents who have not saved up to the co-matching cap can continue to contribute to the Post-Secondary Education Account and receive the matching amount until the cap is reached, or when the child turns 18 years old, whichever is earlier.

The table below sets out the CDA First Step Grant and government co-matching contribution caps:

Type of CDA benefits Amount of Benefits Per Child
1st Child 2nd Child 3rd and 4th Child 5th Child or More
Dollar-for-dollar Matching S$5,000
First Step Grant Up to S$4,000 Up to S$7,000 Up to S$9,000 Up to S$15,000
Total Maximum Support Up to S$9,000 Up to S$12,000 Up to S$14,000 Up to S$20,000

What are the Eligibility Criteria to Receive the Baby Bonus Benefits?  

To be eligible for the Baby Bonus Cash Gift:

  1. The child must be a Singapore Citizen; and
  2. The child’s parents are lawfully married (subject to the exception below).

You can check your eligibility for the cash gift here.

These same eligibility requirements apply for the CDA benefits.

Are children of single parents eligible for the baby bonus?

Children of unwed/single parents may be eligible for CDA benefits if they are born on or after 1 September 2016. However, they will are not eligible for the cash gift.

It should also be noted that only single mothers are eligible to receive the benefits in the CDA accounts and not single fathers.

What if unwed parents get married after the child’s birth? 

If unwed parents get married after the birth of their child, they may apply for the Baby Bonus Scheme after they have received their marriage certificate. This is provided that:

  • The father’s name is included in the child’s birth certificate;
  • Your child is a Singapore citizen; and
  • Your child is below 12 years old.

Are adopted children eligible for the Baby Bonus Scheme?

Adopted children may be eligible for the Baby Bonus after the adoption process is completed. Therefore, parents should apply for the Baby Bonus Scheme only after completing the adoption process.

Are the child(ren) of Singaporean parents based overseas child eligible for the Baby Bonus?

Your child will need to obtain Singapore Citizenship by the age of 12 to qualify for the full amount of Baby Bonus benefits. You can submit your application for the Baby Bonus Scheme through the LifeSG mobile application, or at go.gov.sg/bbo.

Do note that if you and your spouse are not Singapore Citizens at the time of your child’s birth, your child must obtain Singapore Citizenship before reaching:

(a) 24 months of age to be eligible for the Baby Bonus Cash Gift, and

(b) 12 years of age to be eligible for the Child Development Account.

The Baby Bonus benefits will be pro-rated according to the date your child obtains Singapore Citizenship.

If either you or your spouse is a Singapore citizen at the time of your child’s birth, the child will also be eligible for the full Baby Bonus benefits. Your child must obtain Singapore Citizenship and join the scheme before reaching 12 years of age.

When Do I Apply for the Baby Bonus Scheme and How? 

Do I apply before or after the child’s birth?

The Baby Bonus Scheme may be applied before or after the child’s birth. Parents may apply for the Baby Bonus Scheme as early as 8 weeks before their child’s due date, or join the scheme after their child’s birth registration.

However, the child has to join the scheme before the end of the year that they turn 12 years old.

If the child is not a Singapore Citizen at the time of birth, the amount of benefits they will receive under the scheme will be pro-rated based on when they became a Singapore Citizen (and hence become eligible to join the scheme) as discussed above.

Procedure and documents to apply 

You can submit your application on the LifeSG mobile application, or on go.gov.sg/bbo

Before submitting your application, do ensure that you check your child’s eligibility at https://www.babybonus-eservices.msf.gov.sg/parent-helper/

If your child meets the eligibility requirements, you may proceed to apply by following these steps:

Step 1: Click “Join Baby Bonus” at go.gov.sg/bbo

Step 2:  Log in using your SingPass.

Step 3: Complete the relevant sections in the application form.

What Happens to the Baby Bonus Benefits in the Event of the Parents’ Divorce or the Child’s Death?

In the event of a divorce, any remaining cash gift will be credited into the bank account of the parent with custody, care and control of the child.

In the event where the CDA trustee dies, the personal representative of the deceased trustee becomes the new CDA trustee.

If the child passes away, the CDA account will be closed and any remaining balance will be transferred to the Public Trustee for disbursement according to the Interstate Succession Act or Syariah Law.

Any outstanding cash gift amounts will be disbursed to the CDA bank account holder in one lump sum.

When Must All the Baby Bonus Funds be Used?

The CDA closes at the end of the year that the child turns 12. However, this does not mean that any unused CDA balance will expire.

Instead, the unused funds will be transferred to the child’s Post-Secondary Education Account (PSEA) to be used for school programmes and/or study loans to further the child’s education.

Raising a child in Singapore can be a costly endeavour, and initiatives like the Baby Bonus Scheme help lighten the financial burden on parents.

To learn more about the Baby Bonus Scheme, visit the Baby Bonus website.

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