Having a child is a joyful experience, but it also brings new financial responsibilities. To help parents manage these costs, Singapore has launched the updated Baby Bonus Scheme 2025. This program provides both cash payments and savings support to make raising children a little easier.
The Baby Bonus is part of Singapore’s Marriage and Parenthood Package. It gives parents regular cash gifts during the early years of their child’s life and helps build long-term savings through the Child Development Account (CDA). This ensures children get a good start in life while also easing the pressure on parents.
This year, the scheme offers even more support. From 2025, the total benefits for the third child onwards can go up to $13,000 in cash. In addition, families with three or more children can now receive bigger savings grants through the Large Families Scheme. Whether you’re a first-time parent or expanding your family, this guide will help you understand how to get all the benefits.
What Is the Baby Bonus Scheme About?
The Baby Bonus Scheme includes two main parts:
- Cash Gift: Direct payments given to parents in stages.
- Child Development Account (CDA): A savings account with government contributions.
These help families with both immediate costs and long-term savings. The scheme also includes a Child Savings Account (CSA) where the cash gift is deposited, making it easier for parents to access the money.
Who Can Receive the Baby Bonus?
To be eligible for the Baby Bonus, your child must:
- Be a Singapore citizen.
- Be born on or after 14 February 2023 (enhanced payouts from 18 February 2025).
- Be born to lawfully married parents.
- Children who become citizens after birth can still get partial benefits.
Parents can use the LifeSG app or website to check if their child qualifies.
What Is the Child Development Account (CDA)?
The CDA is a special savings account opened for each child. It comes with:
- A First Step Grant (given automatically).
- Dollar-for-dollar matching by the government for parent savings.
Starting 2025, the grant for the third child onwards is increased from $5,000 to $10,000.
What Can CDA Funds Be Used For?
Money in the CDA can be used at Approved Institutions for:
- Preschool and childcare fees
- Health services at clinics and hospitals
- Special education support
- Buying child-related medical items
This makes the CDA a great tool for handling many child-related expenses.
How to Sign Up for the Baby Bonus
Parents can apply for the Baby Bonus starting 1 July 2024 through:
- The LifeSG website
- The LifeSG mobile app
Early application ensures that the benefits are received quickly, and payments start as soon as possible.
Extra Help for Bigger Families
The Large Families Scheme gives more benefits to parents with three or more children. Starting from 2025, the CDA First Step Grant is increased to $10,000 for each third or later child.
This makes it easier for bigger families to manage their finances and care for all their children with added government support.
Why This Scheme Is Important
Raising children can be costly, but this scheme helps lighten that load. With both immediate and long-term financial aid, the Baby Bonus Scheme helps parents focus on their children’s needs rather than just the bills.
It also shows the government’s support for growing families and ensures that every child in Singapore has the opportunity to grow up with the right care and support.