🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 28 (from laksa146)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa028.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.moneysmart.sg/covid-19/relief-ms\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.moneysmart.sg/covid-19/relief-ms\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.moneysmart.sg\/covid-19\/relief-ms","crawl_time":1775363135,"first_indexed_time":1588713487,"http_code":200,"src_unparsed":"sg,moneysmart!www,\/covid-19\/relief-ms s443","src_root_hash":"13205646038179025628","history_drop_reason":null,"meta_title":"Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore? | MoneySmart","meta_descriptions":["The Singapore government has launched several relief schemes to help employees, self-employed individuals and businesses steer through Covid-19’s economic blow. But with so many schemes to keep track of, things can get a little confusing. So we've compiled the list of financial assistance packages in Singapore and sorted them by who they're for."],"attrs_boilerpipe_text":"You probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get:\nCovid-19 Support Grant\nThis grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S$800 a month in financial assistance over a period of 3 months.\nThe Courage Fund\nThe Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice.\nJob Loss\nYou can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i.\nHousehold Income\nPrior to unemployment, your household income did not exceed S$10,000 a month, or S$3,100 per capita. In addition, the home you live in must have a property annual value under S$21,000.\nOther Requirements\nThe Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified.\nDependants of Covid-19 Victims\nFamilies of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S$10,000 to S$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital.\nHealthcare & Frontline Workers\nHealthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S$3,000 to S$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg\/thecouragefund\nLow-Income Households\nLow-income households (≤S$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO\/SHN\/LOA, and suffered a loss of income. Affected households get S$500 to S$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event.\nThe Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs.\nSEP Income Relief Scheme (SIRS)\nThe most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S$3,000 a month in May, July and October 2020. That makes a total amount of S$9,000, to last for at least the next half a year.\nSEP Training Support Scheme\nCo-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period.\nSelf Employment\nYou are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S$100,000 a year.\nEmployment Income\nIf you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S$2,300 a month.\nAdditional Requirements\nYou home's annual value must not exceed S$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S$70,000.\nAs everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types:\nCash Flow Assistance\nThese comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance.\nBusiness Loan Schemes\nDespite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S$20 billion in loan capital, to be disbursed under various business loan schemes.\nAviation & Tourism\nThe aviation and tourism will receive 75% co-funding for the first $4,600 gross monthly income of each local employee.\nFood & Beverage\nThe F&B sector will be given 50% support for the first $4,600 gross monthly income of each local employee.\nAll Other Sectors\nAll other sectors will receive 25% co-funding for the first $4,600 gross monthly income of each local employee.\nEnhanced Enterprise Financing Scheme (EEFS)\nTo help enterprises with their trade financing needs, the maximum loan quantum has been increased to $10 million. Moreover, the government’s risk-share has been raised from 70% to 80%.\nLoan Insurance Scheme\nEnterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government.\nExpanded Temporary Bridging Loan Programme\nUnder the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to $5 million from participating financial institutions. The interest rate will be capped at 5% p.a.\nEnhanced EFS-SME Working Capital Loan\nTo help SMEs with their working capital needs, the maximum loan quantum has been increased from $300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies).\nDeferred Capital Payments\nCompanies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme.\nEnhanced Property Tax Rebate\nFor 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%.\nHawker Stall Rental Waivers\nStalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver.\nFreeze on Government Fees\nFees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others.\nThe government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg.\nThe Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund\/scheme's website or hotline.\nUnfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options.","attrs_markdown":"[![MoneySmart Logo](https:\/\/assets.cdn-moneysmart.com\/assets\/cargo\/svg\/w5vwxizv54d1kcnlfsds.svg)](https:\/\/www.moneysmart.sg\/)\n\n- [Cards](https:\/\/www.moneysmart.sg\/credit-cards)\n  #### Compare Credit Cards\n  [All Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards) [Air Miles Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/air-miles) [Cash Back Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/cash-back) [No Annual Fee Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/no-annual-fee) [Overseas Spending Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/overseas-spending) [Promo Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/promo) [Petrol Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/petrol) [Rewards Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/rewards) [Travel Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/travel) [0% Installment Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/0-instalment)\n  \n  #### Popular Credit Card Guides\n  [Complete Guide to Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/credit-card-bank-application-basics-ms) [Singapore Credit Cards Reviews](https:\/\/blog.moneysmart.sg\/credit-cards\/credit-card-reviews-list\/) [Best Credit Card Promotions in Singapore](https:\/\/blog.moneysmart.sg\/credit-cards\/best-credit-card-promotions-singapore\/) [Best Cards For Travel & Overseas Spending](https:\/\/www.moneysmart.sg\/credit-cards\/best-credit-cards-for-travel-ms) [Best Airport Lounge Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/airport-lounge-credit-cards-ms) [Best Air Miles Credit Cards](https:\/\/blog.moneysmart.sg\/credit-cards\/best-air-miles-credit-cards-singapore\/) [Best Credit Cards for Foreigners in Singapore](https:\/\/www.moneysmart.sg\/credit-cards\/best-credit-card-foreigners-expats-ms)\n  \n  [Start learning about Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/knowledge-hub-ms)\n  \n  #### MoneySmart Exclusive Promotions\n  [HSBC \\| S\\$430 Cash or SmartPoints](https:\/\/www.moneysmart.sg\/credit-cards\/hsbc) [Citi \\| S\\$400 Cash or SmartPoints](https:\/\/www.moneysmart.sg\/credit-cards\/citibank\/promo) [SCB \\| S\\$350 Cash or SmartPoints](https:\/\/www.moneysmart.sg\/credit-cards\/standard-chartered\/promo) [UOB \\| Apple AirPods Pro 3](https:\/\/www.moneysmart.sg\/credit-cards\/uob\/promo) [OCBC \\| S\\$200 Cash or SmartPoints](https:\/\/www.moneysmart.sg\/credit-cards\/ocbc\/promo) [AMEX \\| S\\$160 eCapitaVoucher](https:\/\/www.moneysmart.sg\/credit-cards\/american-express\/promo)\n  \n  [Claim MoneySmart Rewards](https:\/\/www.moneysmart.sg\/dashboard\/claims)\n  \n  #### Best Credit Cards by Bank\n  [American Express Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/american-express) [Airwallex Debit Card](https:\/\/www.moneysmart.sg\/credit-cards\/airwallex) [CIMB Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/cimb) [Citibank Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/citibank) [DBS Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/dbs) [HSBC Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/hsbc) [Maybank Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/maybank) [OCBC Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/ocbc) [POSB Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/posb) [Trust Bank Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/trust-bank) [Standard Chartered Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/standard-chartered) [UOB Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/uob) [WorldFirst Debit Card](https:\/\/www.moneysmart.sg\/credit-cards\/worldfirst)\n- [Loans](https:\/\/www.moneysmart.sg\/loans)\n  #### Compare Loans\n  [Personal Loan](https:\/\/www.moneysmart.sg\/personal-loan) [Home Loan](https:\/\/www.moneysmart.sg\/home-loan) [Home Loan Refinancing](https:\/\/www.moneysmart.sg\/refinancing) [Home Equity Loan](https:\/\/www.moneysmart.sg\/home-equity-loan) [Debt Consolidation Loan](https:\/\/www.moneysmart.sg\/debt-consolidation-plan) [Renovation Loan](https:\/\/www.moneysmart.sg\/personal-loan\/renovation-loan) [Education Loan](https:\/\/www.moneysmart.sg\/personal-loan\/education-loan) [Instant Loan](https:\/\/www.moneysmart.sg\/personal-loan\/instant-loans) [Alternate Lender](https:\/\/www.moneysmart.sg\/personal-loan\/alternate-lenders) [Car Loan](https:\/\/www.moneysmart.sg\/car-loan)\n  \n  #### Popular Loan Guides\n  [Upgrading from an HDB to Condo Guide](https:\/\/www.moneysmart.sg\/home-loan\/hdb-to-condo-upgrade-ms) [Guide For Singles Buying HDB\/Condo](https:\/\/www.moneysmart.sg\/home-loan\/housing-guide-for-singles-ms) [Top Licensed Money Lenders in Singapore](https:\/\/www.moneysmart.sg\/personal-loan\/best-moneylenders-singapore-ms) [Understanding Debt Repayment Scheme](https:\/\/www.moneysmart.sg\/personal-loan\/debt-repayment-scheme-ms) [Can I Get a Loan with a Bad Credit Score?](https:\/\/www.moneysmart.sg\/personal-loan\/bad-credit-personal-loan-ms) [CPF Housing Grant Guide](https:\/\/blog.moneysmart.sg\/property\/hdb-cpf-housing-grant-guide\/) [BTO Application Guide](https:\/\/blog.moneysmart.sg\/property\/hdb-bto-flat-guide\/) [COE Guide: Bidding Process & Loan Options](https:\/\/www.moneysmart.sg\/personal-loan\/coe-singapore-guide-ms)\n  \n  [Personal Loan Knowledge Hub\\!](https:\/\/www.moneysmart.sg\/personal-loan\/knowledge-hub-ms)\n  \n  #### Home Loans Tools & Resources\n  [Mortgage Calculator](https:\/\/www.moneysmart.sg\/home-loan\/mortgage-calculator) [TDSR Calculator](https:\/\/www.moneysmart.sg\/home-loan\/tdsr-calculator) [Stamp Duty Calculator](https:\/\/www.moneysmart.sg\/home-loan\/stamp-duty-calculator) [Property Tax Calculator](https:\/\/www.moneysmart.sg\/home-loan\/property-tax-calculator) [Progressive Payment Calculator](https:\/\/www.moneysmart.sg\/home-loan\/progressive-payment-calculator) [MSR Calculator](https:\/\/www.moneysmart.sg\/home-loan\/msr-calculator) [Refinancing Calculator](https:\/\/www.moneysmart.sg\/refinancing\/refinancing-calculator)\n  \n  #### Best Home Loans By Bank\n  [DBS Home Loans](https:\/\/www.moneysmart.sg\/home-loan\/dbs) [Maybank Home Loans](https:\/\/www.moneysmart.sg\/home-loan\/maybank) [OCBC Home Loans](https:\/\/www.moneysmart.sg\/home-loan\/ocbc) [UOB Home Loans](https:\/\/www.moneysmart.sg\/home-loan\/uob)\n  \n  #### Best Personal Loans by Bank\n  [Standard Chartered Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan\/standard-chartered) [CIMB Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan\/cimb) [UOB Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan\/uob) [Trust Bank Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan\/trust-bank) [HSBC Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan\/hsbc)\n  \n  [See All Home Loan Articles](https:\/\/blog.moneysmart.sg\/category\/home-loans\/)\n  \n  [See All Personal Loan Articles](https:\/\/blog.moneysmart.sg\/category\/personal-loans\/)\n  \n  [See All Renovation Loan Articles](https:\/\/blog.moneysmart.sg\/category\/renovation-loans\/)\n- [Insurance](https:\/\/www.moneysmart.sg\/insurance)\n  #### Compare Insurance\n  [Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance) [Car Insurance](https:\/\/www.moneysmart.sg\/car-insurance) [Maid Insurance](https:\/\/www.moneysmart.sg\/maid-insurance) [Home Insurance](https:\/\/www.moneysmart.sg\/home-insurance) [Personal Accident Insurance](https:\/\/www.moneysmart.sg\/personal-accident-insurance) [Health Insurance](https:\/\/www.moneysmart.sg\/health-insurance) [Life Insurance](https:\/\/www.moneysmart.sg\/life-insurance) [Term Insurance](https:\/\/www.moneysmart.sg\/term-life) [Cancer Insurance](https:\/\/www.moneysmart.sg\/cancer-insurance) [International Health Insurance](https:\/\/www.moneysmart.sg\/health-insurance\/international-health-insurance) [Mortgage Insurance](https:\/\/www.moneysmart.sg\/term-life\/mortgage-insurance)\n  \n  #### Popular Life Insurance Guides\n  [Ultimate Guide on Term Life Insurance](https:\/\/www.moneysmart.sg\/term-life\/term-insurance-guide-ms) [Ultimate Guide On Health Insurance](https:\/\/www.moneysmart.sg\/health-insurance\/guide-ms) [Health Insurance Terms You Should Know](https:\/\/www.moneysmart.sg\/health-insurance\/health-insurance-glossary-ms) [Ultimate Guide On Life Insurance](https:\/\/www.moneysmart.sg\/life-insurance\/life-insurance-guide-ms) [Singapore Health Insurance 101](https:\/\/blog.moneysmart.sg\/health-insurance\/health-insurance-singapore\/) [Integrated Shields Plans Guide](https:\/\/blog.moneysmart.sg\/health-insurance\/integrated-shield-comparison\/) [Whole Life vs Term Insurance 101](https:\/\/blog.moneysmart.sg\/life-insurance\/life-insurance-singapore\/)\n  \n  [See All Health Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/health-insurance\/)\n  \n  [See All Life Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/life-insurance\/)\n  \n  [See All Mortgage Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/mortgage-insurance\/)\n  \n  #### Popular General Insurance Guides\n  [Ultimate Guide To Car Insurance](https:\/\/www.moneysmart.sg\/car-insurance\/car-insurance-guide-ms) [Best Endowment Plans](https:\/\/www.moneysmart.sg\/car-insurance\/best-endowment-plans-ms) [Maid Insurance 101](https:\/\/blog.moneysmart.sg\/health-insurance\/maid-insurance-singapore\/)\n  \n  #### Popular Travel Insurance Guides\n  [Best Trip Cancellation Coverage](https:\/\/www.moneysmart.sg\/travel-insurance\/travel-insurance-with-trip-cancellation-coverage-ms) [Best Medical Coverage](https:\/\/www.moneysmart.sg\/travel-insurance\/travel-insurance-with-best-medical-coverage-ms)\n  \n  [Travel Insurance Knowledge Hub](https:\/\/www.moneysmart.sg\/travel-insurance\/knowledge-hub-ms)\n  \n  [See All Travel Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/travel-insurance\/)\n  \n  [See All Car Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/car-insurance\/)\n  \n  [See All Home Insurance Articles](https:\/\/blog.moneysmart.sg\/category\/home-insurance\/)\n  \n  #### Best Travel Insurance by Provider\n  [Allianz Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/allianz-travel) [DirectAsia Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/direct-asia) [FWD Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/fwd) [HL Assurance Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/hong-leong-group) [Income Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/income) [MSIG Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/msig) [Singlife Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/singlife) [Starr Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/starr) [Sompo Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/sompo) [Tiq by Etiqa Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/tiq) [Zurich Travel Insurance](https:\/\/www.moneysmart.sg\/travel-insurance\/zurich)\n  \n  [Travel Insurance Promo](https:\/\/www.moneysmart.sg\/travel-insurance\/holiday-promo-ms)\n- [Accounts](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  #### Compare Accounts\n  [Savings Accounts](https:\/\/www.moneysmart.sg\/savings-account) [Fixed Deposit Accounts](https:\/\/www.moneysmart.sg\/fixed-deposit) [Money Transfer](https:\/\/www.moneysmart.sg\/money-transfer) [Multi-Currency Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/multi-currency-savings-account) [Digital Multi-Currency Account](https:\/\/www.moneysmart.sg\/digital-multi-currency-account) [Broadband Plan](https:\/\/www.moneysmart.sg\/broadband)\n  \n  #### Popular Bank Account Guides\n  [Best Savings Account Rates 2025](https:\/\/blog.moneysmart.sg\/savings-accounts\/best-savings-accounts-singapore\/) [Best Fixed Deposit Rates 2025](https:\/\/blog.moneysmart.sg\/fixed-deposits\/best-fixed-deposit-accounts-singapore\/) [Best Priority Banking Accounts](https:\/\/blog.moneysmart.sg\/priority-banking\/priority-banking-benefits\/) [Best Savings Accounts with No Minimum Balance](https:\/\/blog.moneysmart.sg\/savings-accounts\/no-minimum-balance\/) [OCBC 360 Account Review](https:\/\/blog.moneysmart.sg\/savings-accounts\/ocbc-360-account-review\/) [UOB One Account Review](https:\/\/blog.moneysmart.sg\/savings-accounts\/uob-one-account-review\/) [Citibank MaxiGain Review](https:\/\/blog.moneysmart.sg\/savings-accounts\/citibank-maxigain\/)\n  \n  [See All Savings Account Articles](https:\/\/blog.moneysmart.sg\/category\/savings-accounts\/)\n  \n  [See All Priority Banking Articles](https:\/\/blog.moneysmart.sg\/category\/priority-banking\/)\n  \n  [See All Fixed Deposit Articles](https:\/\/blog.moneysmart.sg\/category\/fixed-deposits\/)\n  \n  #### Popular General Account Guides\n  [Wifi Speed Explained](https:\/\/www.moneysmart.sg\/broadband\/wifi-speed-explained-ms) [Open Electricity Market Guide](https:\/\/blog.moneysmart.sg\/budgeting\/open-electricity-market-singapore\/) [Cheapest Electricity Retailers](https:\/\/blog.moneysmart.sg\/budgeting\/sembcorp-keppel-cheapest-electricity-retailers\/) [Cheapest Sim Only Plans](https:\/\/blog.moneysmart.sg\/budgeting\/cheapest-sim-only-plans\/) [Best Fibre Broadband Plans](https:\/\/blog.moneysmart.sg\/budgeting\/best-fibre-broadband-singapore\/) [Your Rainy Day Fund](https:\/\/blog.moneysmart.sg\/budgeting\/emergency-fund\/) [Finance For Couples](https:\/\/blog.moneysmart.sg\/savings-accounts\/joint-account-spouse\/) [Alternative Cash Stashes](https:\/\/blog.moneysmart.sg\/invest\/singapore-savings-bonds-review\/)\n  \n  #### Best Savings Accounts by Bank\n  [CIMB Savings Accounts](https:\/\/www.moneysmart.sg\/savings-account\/cimb) [Citibank Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/citibank) [DBS Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/dbs) [HSBC Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/hsbc) [OCBC Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/ocbc) [POSB Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/posb) [RHB Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/rhb) [Standard Chartered Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/standard-chartered) [UOB Savings Account](https:\/\/www.moneysmart.sg\/savings-account\/uob)\n- [Investments](https:\/\/www.moneysmart.sg\/investments)\n  #### Compare Investments\n  [Best Investment Platforms](https:\/\/www.moneysmart.sg\/investments) [Online Brokers for Trading CFDs](https:\/\/www.moneysmart.sg\/investments\/cfd) [Online Brokers for Trading US Stocks](https:\/\/www.moneysmart.sg\/investments\/us-stocks) [Online Brokers for Trading SG Stocks](https:\/\/www.moneysmart.sg\/investments\/sgx-stocks) [Online Brokers for Forex Trading](https:\/\/www.moneysmart.sg\/investments\/forex) [Online Brokers for Trading ETFs](https:\/\/www.moneysmart.sg\/investments\/exchange-traded-fund) [Online Brokers for Trading REITs](https:\/\/www.moneysmart.sg\/investments\/reits) [Best Robo Advisors](https:\/\/www.moneysmart.sg\/investments\/robo-advisory)\n  \n  #### Popular Investment Guides\n  [Which Investment Brokerage in Singapore is Best?](https:\/\/blog.moneysmart.sg\/invest\/investment-brokerage-singapore-guide\/) [Guide to Investing in ETFs](https:\/\/blog.moneysmart.sg\/invest\/index-fund-etf-singapore\/) [Guide to Investing in REITs](https:\/\/blog.moneysmart.sg\/invest\/singapore-reits-investing\/) [Investing with \\$1000 Dollars](https:\/\/www.moneysmart.sg\/investments\/investing-with-1000-dollars-ms) [Investing During a Recession](https:\/\/www.moneysmart.sg\/investments\/investing-during-a-recession-ms)\n  \n  [See All Investment Articles](https:\/\/blog.moneysmart.sg\/category\/invest\/)\n  \n  #### Read and Learn\n  [Robo Advisors 101](https:\/\/blog.moneysmart.sg\/invest\/robo-advisors-singapore\/) [Investing with CPF Guide](https:\/\/blog.moneysmart.sg\/invest\/cpf-investment-scheme-cpfis\/) [Singapore Savings Bond 101](https:\/\/blog.moneysmart.sg\/invest\/singapore-savings-bonds-review\/) [Investing vs Trading](https:\/\/www.moneysmart.sg\/investments\/investing-vs-trading-ms) [How to Buy Stocks in SG](https:\/\/blog.moneysmart.sg\/invest\/how-to-buy-stocks-singapore\/)\n  \n  #### Best Brokerage Accounts by Provider\n  [CMC](https:\/\/www.moneysmart.sg\/investments\/cmc) [FOREX.com](https:\/\/www.moneysmart.sg\/investments\/forex-com) [IG](https:\/\/www.moneysmart.sg\/investments\/ig) [Interactive Brokers](https:\/\/www.moneysmart.sg\/investments\/interactive-brokers) [Longbridge Securities](https:\/\/www.moneysmart.sg\/investments\/longbridge) [moomoo](https:\/\/www.moneysmart.sg\/investments\/moomoo) [OANDA](https:\/\/www.moneysmart.sg\/investments\/oanda-singapore) [Plus 500](https:\/\/www.moneysmart.sg\/investments\/plus500) [SAXO](https:\/\/www.moneysmart.sg\/investments\/saxo) [Syfe](https:\/\/www.moneysmart.sg\/investments\/syfe) [Tiger Brokers](https:\/\/www.moneysmart.sg\/investments\/tiger-brokers) [uSMART](https:\/\/www.moneysmart.sg\/investments\/usmart) [Webull](https:\/\/www.moneysmart.sg\/investments\/webull)\n- [Blog](https:\/\/blog.moneysmart.sg\/)\n  #### Browse All\n  [Blog Homepage](https:\/\/blog.moneysmart.sg\/) [See All Latest Articles](https:\/\/blog.moneysmart.sg\/latest\/) [MoneySmart study: Over half of Singaporeans now turn to social media for financial advice](https:\/\/www.moneysmart.sg\/investments\/social-medias-influence-on-financial-decisions-ms) [Press Resources](https:\/\/www.moneysmart.sg\/press) [What's Trending](https:\/\/blog.moneysmart.sg\/category\/trends\/)\n  \n  #### Personal Finance\n  [Budgeting](https:\/\/blog.moneysmart.sg\/category\/budgeting\/) [Business](https:\/\/blog.moneysmart.sg\/category\/business\/) [Career](https:\/\/blog.moneysmart.sg\/category\/career\/) [Education](https:\/\/blog.moneysmart.sg\/category\/education\/) [Healthcare](https:\/\/blog.moneysmart.sg\/category\/healthcare\/) [Property](https:\/\/blog.moneysmart.sg\/category\/property\/) [Opinion](https:\/\/blog.moneysmart.sg\/category\/opinion\/)\n  \n  #### Lifestyle\n  [Dining](https:\/\/blog.moneysmart.sg\/category\/dining\/) [Entertainment](https:\/\/blog.moneysmart.sg\/category\/entertainment\/) [Fitness & Beauty](https:\/\/blog.moneysmart.sg\/category\/fitness-beauty\/) [Shopping](https:\/\/blog.moneysmart.sg\/category\/shopping\/) [Transportation](https:\/\/blog.moneysmart.sg\/category\/transportation\/) [Travel](https:\/\/blog.moneysmart.sg\/category\/travel\/) [Wedding](https:\/\/blog.moneysmart.sg\/category\/wedding\/) [Family](https:\/\/blog.moneysmart.sg\/category\/family\/)\n  \n  #### Money\n  [Credit Cards](https:\/\/blog.moneysmart.sg\/category\/credit-cards\/) [Personal Loans](https:\/\/blog.moneysmart.sg\/category\/personal-loans\/) [Home Loans](https:\/\/blog.moneysmart.sg\/category\/home-loans\/) [Renovation Loans](https:\/\/blog.moneysmart.sg\/category\/renovation-loans\/) [Car Loans](https:\/\/blog.moneysmart.sg\/category\/car-loans\/) [Invest](https:\/\/blog.moneysmart.sg\/category\/invest\/) [Fixed Deposit](https:\/\/blog.moneysmart.sg\/category\/fixed-deposits\/) [Priority Banking](https:\/\/blog.moneysmart.sg\/category\/priority-banking\/) [Savings Accounts](https:\/\/blog.moneysmart.sg\/category\/savings-accounts\/)\n  \n  #### Insurance\n  [Car Insurance](https:\/\/blog.moneysmart.sg\/category\/car-insurance\/) [Travel Insurance](https:\/\/blog.moneysmart.sg\/category\/travel-insurance\/) [Health Insurance](https:\/\/blog.moneysmart.sg\/category\/health-insurance\/) [Home Insurance](https:\/\/blog.moneysmart.sg\/category\/home-insurance\/) [Life Insurance](https:\/\/blog.moneysmart.sg\/category\/life-insurance\/) [Mortgage Insurance](https:\/\/blog.moneysmart.sg\/category\/mortgage-insurance\/) [Personal Accident Insurance](https:\/\/blog.moneysmart.sg\/category\/personal-accident-insurance\/)\n  \n  #### Announcements\n  [See All Lucky Draw Winners](https:\/\/blog.moneysmart.sg\/category\/announcements\/)\n- [Rewards](https:\/\/www.moneysmart.sg\/store)\n  #### Rewards\n  [Rewards Store](https:\/\/www.moneysmart.sg\/store) [What are SmartPoints?](https:\/\/blog.moneysmart.sg\/announcements\/what-are-smartpoints-and-how-to-use-them\/) [Claim Rewards](https:\/\/www.moneysmart.sg\/dashboard\/claims) [Claim Status](https:\/\/www.moneysmart.sg\/dashboard\/claims\/history)\n- [Login](https:\/\/www.moneysmart.sg\/identity\/signin?callback_url=https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n\n[![MoneySmart Logo](https:\/\/assets.cdn-moneysmart.com\/assets\/cargo\/svg\/w5vwxizv54d1kcnlfsds.svg)](https:\/\/www.moneysmart.sg\/)\n\n- [Login](https:\/\/www.moneysmart.sg\/identity\/signin?callback_url=https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Cards](https:\/\/www.moneysmart.sg\/credit-cards)\n  - [Compare Credit Cards](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular Credit Card Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [MoneySmart Exclusive Promotions](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Best Credit Cards by Bank](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Loans](https:\/\/www.moneysmart.sg\/loans)\n  - [Compare Loans](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular Loan Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Home Loans Tools & Resources](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Best Personal Loans by Bank](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Insurance](https:\/\/www.moneysmart.sg\/insurance)\n  - [Compare Insurance](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular Life Insurance Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular General Insurance Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Best Travel Insurance by Provider](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Accounts](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Compare Accounts](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular Bank Account Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular General Account Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Best Savings Accounts by Bank](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Investments](https:\/\/www.moneysmart.sg\/investments)\n  - [Compare Investments](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Popular Investment Guides](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Read and Learn](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Best Brokerage Accounts by Provider](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Blog](https:\/\/blog.moneysmart.sg\/)\n  - [Browse All](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Lifestyle](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Money](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n  - [Insurance](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n- [Rewards](https:\/\/www.moneysmart.sg\/store)\n  - [Rewards](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n\n- Follow Us\n\n1. [Home](https:\/\/www.moneysmart.sg\/)\n2. [Covid 19](https:\/\/www.moneysmart.sg\/covid-19)\n3. [Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore?](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n\n# Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore?\nThe Singapore government has launched several relief schemes to help employees, self-employed individuals and businesses steer through Covid-19’s economic blow. But with so many schemes to keep track of, things can get a little confusing. So we've compiled the list of financial assistance packages in Singapore and sorted them by who they're for.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/2843\/content_image\/3cbfdff50da5319cf186eada159e114b.png)\n\n## Which Financial Relief Scheme Are You Looking for?\n[![related-landing-pages-media](https:\/\/lps-images.moneysmart.co\/content\/2992\/content_image\/ff6a33af8fa74ea5e63b6ca105098805.png)Individuals & Employees](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms#covid-19-relief-for-individuals-&-retrenched-employees)\n\n[![related-landing-pages-media](https:\/\/lps-images.moneysmart.co\/content\/2992\/content_image\/8ac577e87433296c367b4c4562c9a675.png)Self-Employed](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms#covid-19-relief-for-self-employed-persons-\$seps\$)\n\n[![related-landing-pages-media](https:\/\/lps-images.moneysmart.co\/content\/2992\/content_image\/7981fc07cc5ae0818ed3a73660aef3ca.png)Business Owners](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms#covid-19-relief-for-businesses)\n\n[![related-landing-pages-media](https:\/\/lps-images.moneysmart.co\/content\/2992\/content_image\/15d691e902cdf21c95d2bb92fb8dd56b.png)FAQs](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms#frequently-asked-questions)\n\n## Covid-19 Relief for Individuals & Retrenched Employees\n###\nYou probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S\\$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get:\n\n### Covid-19 Support Grant\nThis grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S\\$800 a month in financial assistance over a period of 3 months.\n\n### The Courage Fund\nThe Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2949\/content_image\/5e01c7727fc8d301655478d7120c5e08.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2949\/content_image\/2bf7be4db81e5a58d83cfe9d59d321fe.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2906\/content_image\/26d22171834bebe450e8ae616d3bb305.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2906\/content_image\/41922621cfd71b34d26e2a0538ba0e4a.png)\n\n## Covid-19 Support Grant\nIf you have lost your job due to Covid-19, you may be eligible for the Covid-19 Support Grant, which would support you for 3 months while you look for a new job or undergo training for new skills. Eligible individuals will receive a monthly cash grant amounting to S\\$800 a month. To submit your application, you can reach out to any Social Service Office (SSO) or Community Centre in your neighbourhood.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/2902\/content_image\/2d7fd2adb57de877780e7848737aa382.png)\n\n## Who is eligible for the Covid-19 Support Grant?\nTo qualify for the Covid-19 Support Grant, you should fulfil the following requirements:\n\n### Job Loss\nYou can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i.\n\n### Household Income\nPrior to unemployment, your household income did not exceed S\\$10,000 a month, or S\\$3,100 per capita. In addition, the home you live in must have a property annual value under S\\$21,000.\n\n### Other Requirements\nThe Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified.\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2854\/content_image\/1c483ff9ec7bfbbc34b6190d70fad7dc.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2854\/content_image\/07df33f71d4e12afcbd1acd569adcdf8.png)\n\n## The Courage Fund\nThe Courage Fund is a Community Chest initiative that aids those who contracted Covid-19, as well their families. These benefits are open to Singapore Citizens and PRs as well as Employment Pass, Work Permit, Dependant's Pass or Long-Term Social Visit Pass holders. The fund also extends to Singapore citizen\/PR low-income households whose members contracted the coronavirus, or had to serve a quarantine order, stay-home notice or leave of absence.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/2910\/content_image\/d428ef44d3d3c8d2f13b21d0490f5891.png)\n\n## Who is eligible for the Courage Fund?\nThe Courage Fund offers financial support to those who were hardest-hit by Covid-19. First, the dependants of those who died from the coronavirus. Next, the heroes in healthcare and on the frontline who contracted the virus. And finally, low-income households who were affected by a quarantine order, stay-home notice, or the coronavirus itself.\n\n### Dependants of Covid-19 Victims\nFamilies of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S\\$10,000 to S\\$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital.\n\n### Healthcare & Frontline Workers\nHealthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S\\$3,000 to S\\$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg\/thecouragefund\n\n### Low-Income Households\nLow-income households (≤S\\$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO\/SHN\/LOA, and suffered a loss of income. Affected households get S\\$500 to S\\$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event.\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2914\/content_image\/d933c744f1d743498db334c31f34f3dd.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2914\/content_image\/dc61b1fb654323a4f664870a3c0ca2bf.png)\n\n## Covid-19 Relief for Self-Employed Persons (SEPs)\n###\nThe Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs.\n\n### SEP Income Relief Scheme (SIRS)\nThe most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S\\$3,000 a month in May, July and October 2020. That makes a total amount of S\\$9,000, to last for at least the next half a year.\n\n### SEP Training Support Scheme\nCo-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2964\/content_image\/b46536fc5fb5ae00dd21df67092b477a.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2964\/content_image\/58a1f8d0d67191140342cca3c5d66151.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2921\/content_image\/487b9bf28541630e43723e02376e039e.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2921\/content_image\/05d2ef749565eff9d6f955526e504c0c.png)\n\n## SEP Income Relief Scheme (SIRS)\nSIRS is a Covid-19 relief scheme that's targeted specifically at self-employed persons or SEPs, whose livelihoods were affected by the coronavirus outbreak. Eligible SEPs will receive S\\$3,000 in May, July, and October 2020 under SIRS. There are several eligibility criteria to meet, but if you are at least 37 years old and declared your net trade income to IRAS last year, you will be automatically included.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/2918\/content_image\/5852d383aaf776b1ffba38bcfefe6199.png)\n\n## Who is eligible for SEP Income Relief Scheme (SIRS)?\nTo qualify for the SEP Income Relief Scheme, you should fulfill the following requirements:\n\n### Self Employment\nYou are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S\\$100,000 a year.\n\n### Employment Income\nIf you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S\\$2,300 a month.\n\n### Additional Requirements\nYou home's annual value must not exceed S\\$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S\\$70,000.\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2925\/content_image\/6c4fa81885a70977066cb14b27c7e62c.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2925\/content_image\/fd0b9e68f3319966fa03e39a6ea4cc11.png)\n\n## SEP Training Support Scheme\nThe SEP Training Support Scheme works hand-in-hand with SIRS. Under this training scheme, you are encouraged to use the Covid-19 downtime to up-\/re-skill. SEPs will receive up to \\$10 per hour training allowance for all courses under SkillsFuture and other sector-specific training courses. Once you complete the course, you just need to submit your Training Certification Slip to obtain endorsement from the Training Provider (TP) or Institute of Higher Learning (IHL) within 30 days to claim your allowance.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/2926\/content_image\/ae9800575f0200545db8a30db67dfa30.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2932\/content_image\/824af3728e2dd12ea6efed0f1d627933.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2932\/content_image\/5a3ac2bd61e36c397a1714af77830f03.png)\n\n## More SEP Resources\nHead over to our special resource page created just for SEPs. Here's everything you need to know about surviving Covid-19 as a self-employed person, from the details of the Covid-19 relief schemes to tips on improving your cashflow.\n\n[Read More](https:\/\/www.moneysmart.sg\/covid-19\/self-employed-ms)\n\n## Covid-19 Relief for Businesses\n###\nAs everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types:\n\n### Cash Flow Assistance\nThese comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance.\n\n### Business Loan Schemes\nDespite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S\\$20 billion in loan capital, to be disbursed under various business loan schemes.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2968\/content_image\/df8fdfb4d3d6db14085b291843b68999.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2968\/content_image\/82f05328aee554d11ca453e32dc1e051.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2935\/content_image\/e0939c0f8cb54a1d9566ee8f0e5d0351.png)\n\n![footer-banner-image-media](https:\/\/lps-images.moneysmart.co\/content\/2935\/content_image\/3d8746a827b768c8bf0632b2330f317b.png)\n\n## Jobs Support Scheme (JSS)\nUnder the Jobs Support Scheme (JSS), the government will co-fund the first \\$4,600 of each local employee’s gross monthly income, for 9 months. This is meant to help with cashflow and to encourage employers to keep their staff employed. The support for employers will vary depending on sector:\n\n### Aviation & Tourism\nThe aviation and tourism will receive 75% co-funding for the first \\$4,600 gross monthly income of each local employee.\n\n### Food & Beverage\nThe F\\&B sector will be given 50% support for the first \\$4,600 gross monthly income of each local employee.\n\n### All Other Sectors\nAll other sectors will receive 25% co-funding for the first \\$4,600 gross monthly income of each local employee.\n\n## Other Support to Help Businesses Get Through Covid-19\nEnhanced Enterprise Financing Scheme (EEFS)\n\n###\n\nTo help enterprises with their trade financing needs, the maximum loan quantum has been increased to \\$10 million. Moreover, the government’s risk-share has been raised from 70% to 80%.\n\nLoan Insurance Scheme\n\n###\n\nEnterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government.\n\nExpanded Temporary Bridging Loan Programme\n\n###\n\nUnder the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to \\$5 million from participating financial institutions. The interest rate will be capped at 5% p.a.\n\nEnhanced EFS-SME Working Capital Loan\n\n###\n\nTo help SMEs with their working capital needs, the maximum loan quantum has been increased from \\$300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies).\n\nDeferred Capital Payments\n\n###\n\nCompanies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme.\n\nEnhanced Property Tax Rebate\n\n###\n\nFor 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%.\n\nHawker Stall Rental Waivers\n\n###\n\nStalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver.\n\nFreeze on Government Fees\n\n###\n\nFees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others.\n\n## What If You Still Need More Cash?\nNot everyone in Singapore qualifies for the government assistance schemes here. If you find yourself in need of a personal loan for extra cash, find the right loan package for your needs and income level with MoneySmart's personal loan calculator.\n\n[Compare Now](https:\/\/www.moneysmart.sg\/personal-loan)\n\n## Frequently Asked Questions\n### Where can I find the latest on Covid-19 relief schemes?\nThe government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg.\n\n### What if I narrowly miss the eligibility criteria?\nThe Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund\/scheme's website or hotline.\n\n### Do foreigners qualify for any of these Covid-19 relief schemes?\nUnfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options.\n\n## The MoneySmart Covid-19 Survival Guide\nApart from getting financial aid from these Covid-19 relief schemes, what else can you do to get through this? Head over to our main Covid-19 resource hub to get practical advice on the circuit breaker, dealing with debt, and how to make the most of your personal finances during the coronavirus period.\n\n[Read More](https:\/\/www.moneysmart.sg\/covid-19\/survival-guide-ms)\n\n1. [Home](https:\/\/www.moneysmart.sg\/)\n2. [Covid 19](https:\/\/www.moneysmart.sg\/covid-19)\n3. [Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore?](https:\/\/www.moneysmart.sg\/covid-19\/relief-ms)\n\n![MoneySmart Logo](https:\/\/assets.cdn-moneysmart.com\/assets\/cargo\/svg\/w5vwxizv54d1kcnlfsds.svg)\n\n- [About](https:\/\/www.moneysmart.sg\/about-us)\n- [Careers](https:\/\/moneysmart.com\/)\n- [Contact Us](https:\/\/www.moneysmart.sg\/contact-us)\n\n- [Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards)\n- [Insurance](https:\/\/www.moneysmart.sg\/insurance)\n- [Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan)\n\n[Blog](https:\/\/blog.moneysmart.sg\/)\n\n[Budgeting](https:\/\/blog.moneysmart.sg\/category\/budgeting\/)\n\n[Opinion](https:\/\/blog.moneysmart.sg\/category\/opinion\/)\n\n[Invest](https:\/\/blog.moneysmart.sg\/category\/invest\/)\n\nDisclaimer: At MoneySmart, we aim to provide accurate, objective and up-to-date information. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty. The list of financial products displayed on this website are not exhaustive.\n\nFollow us\n\n© 2009-2026 MoneySmart Singapore Pte Ltd. All rights reserved. Use of this site constitutes acceptance of our [Terms of Use](https:\/\/www.moneysmart.sg\/terms-of-use), [Privacy Policy](https:\/\/www.moneysmart.sg\/privacy-policy) and [Fair Dealing Policy](https:\/\/www.moneysmart.sg\/fair-dealing-policy)","attrs_readable_markdown":"You probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S\\$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get:\n\nCovid-19 Support Grant\n\nThis grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S\\$800 a month in financial assistance over a period of 3 months.\n\nThe Courage Fund\n\nThe Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2949\/content_image\/5e01c7727fc8d301655478d7120c5e08.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2949\/content_image\/2bf7be4db81e5a58d83cfe9d59d321fe.png)\n\nJob Loss\n\nYou can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i.\n\nHousehold Income\n\nPrior to unemployment, your household income did not exceed S\\$10,000 a month, or S\\$3,100 per capita. In addition, the home you live in must have a property annual value under S\\$21,000.\n\nOther Requirements\n\nThe Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified.\n\nDependants of Covid-19 Victims\n\nFamilies of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S\\$10,000 to S\\$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital.\n\nHealthcare & Frontline Workers\n\nHealthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S\\$3,000 to S\\$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg\/thecouragefund\n\nLow-Income Households\n\nLow-income households (≤S\\$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO\/SHN\/LOA, and suffered a loss of income. Affected households get S\\$500 to S\\$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event.\n\nThe Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs.\n\nSEP Income Relief Scheme (SIRS)\n\nThe most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S\\$3,000 a month in May, July and October 2020. That makes a total amount of S\\$9,000, to last for at least the next half a year.\n\nSEP Training Support Scheme\n\nCo-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2964\/content_image\/b46536fc5fb5ae00dd21df67092b477a.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2964\/content_image\/58a1f8d0d67191140342cca3c5d66151.png)\n\nSelf Employment\n\nYou are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S\\$100,000 a year.\n\nEmployment Income\n\nIf you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S\\$2,300 a month.\n\nAdditional Requirements\n\nYou home's annual value must not exceed S\\$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S\\$70,000.\n\nAs everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types:\n\nCash Flow Assistance\n\nThese comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance.\n\nBusiness Loan Schemes\n\nDespite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S\\$20 billion in loan capital, to be disbursed under various business loan schemes.\n\n![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2968\/content_image\/df8fdfb4d3d6db14085b291843b68999.png)![three-column-vertical-media](https:\/\/lps-images.moneysmart.co\/content\/2968\/content_image\/82f05328aee554d11ca453e32dc1e051.png)\n\nAviation & Tourism\n\nThe aviation and tourism will receive 75% co-funding for the first \\$4,600 gross monthly income of each local employee.\n\nFood & Beverage\n\nThe F\\&B sector will be given 50% support for the first \\$4,600 gross monthly income of each local employee.\n\nAll Other Sectors\n\nAll other sectors will receive 25% co-funding for the first \\$4,600 gross monthly income of each local employee.\n\nEnhanced Enterprise Financing Scheme (EEFS)\n\nTo help enterprises with their trade financing needs, the maximum loan quantum has been increased to \\$10 million. Moreover, the government’s risk-share has been raised from 70% to 80%.\n\nLoan Insurance Scheme\n\nEnterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government.\n\nExpanded Temporary Bridging Loan Programme\n\nUnder the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to \\$5 million from participating financial institutions. The interest rate will be capped at 5% p.a.\n\nEnhanced EFS-SME Working Capital Loan\n\nTo help SMEs with their working capital needs, the maximum loan quantum has been increased from \\$300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies).\n\nDeferred Capital Payments\n\nCompanies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme.\n\nEnhanced Property Tax Rebate\n\nFor 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%.\n\nHawker Stall Rental Waivers\n\nStalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver.\n\nFreeze on Government Fees\n\nFees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others.\n\nThe government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg.\n\nThe Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund\/scheme's website or hotline.\n\nUnfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options.","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

3 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.1 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.moneysmart.sg/covid-19/relief-ms
Last Crawled	2026-04-05 04:25:35 (3 days ago)
First Indexed	2020-05-05 21:18:07 (5 years ago)
HTTP Status Code	200
Meta Title	Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore? \| MoneySmart
Meta Description	The Singapore government has launched several relief schemes to help employees, self-employed individuals and businesses steer through Covid-19’s economic blow. But with so many schemes to keep track of, things can get a little confusing. So we've compiled the list of financial assistance packages in Singapore and sorted them by who they're for.
Meta Canonical	null
Boilerpipe Text	You probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get: Covid-19 Support Grant This grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S$800 a month in financial assistance over a period of 3 months. The Courage Fund The Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice. Job Loss You can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i. Household Income Prior to unemployment, your household income did not exceed S$10,000 a month, or S$3,100 per capita. In addition, the home you live in must have a property annual value under S$21,000. Other Requirements The Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified. Dependants of Covid-19 Victims Families of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S$10,000 to S$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital. Healthcare & Frontline Workers Healthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S$3,000 to S$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg/thecouragefund Low-Income Households Low-income households (≤S$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO/SHN/LOA, and suffered a loss of income. Affected households get S$500 to S$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event. The Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs. SEP Income Relief Scheme (SIRS) The most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S$3,000 a month in May, July and October 2020. That makes a total amount of S$9,000, to last for at least the next half a year. SEP Training Support Scheme Co-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period. Self Employment You are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S$100,000 a year. Employment Income If you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S$2,300 a month. Additional Requirements You home's annual value must not exceed S$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S$70,000. As everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types: Cash Flow Assistance These comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance. Business Loan Schemes Despite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S$20 billion in loan capital, to be disbursed under various business loan schemes. Aviation & Tourism The aviation and tourism will receive 75% co-funding for the first $4,600 gross monthly income of each local employee. Food & Beverage The F&B sector will be given 50% support for the first $4,600 gross monthly income of each local employee. All Other Sectors All other sectors will receive 25% co-funding for the first $4,600 gross monthly income of each local employee. Enhanced Enterprise Financing Scheme (EEFS) To help enterprises with their trade financing needs, the maximum loan quantum has been increased to $10 million. Moreover, the government’s risk-share has been raised from 70% to 80%. Loan Insurance Scheme Enterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government. Expanded Temporary Bridging Loan Programme Under the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to $5 million from participating financial institutions. The interest rate will be capped at 5% p.a. Enhanced EFS-SME Working Capital Loan To help SMEs with their working capital needs, the maximum loan quantum has been increased from $300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies). Deferred Capital Payments Companies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme. Enhanced Property Tax Rebate For 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%. Hawker Stall Rental Waivers Stalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver. Freeze on Government Fees Fees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others. The government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg. The Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund/scheme's website or hotline. Unfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options.
Markdown	[![MoneySmart Logo](https://assets.cdn-moneysmart.com/assets/cargo/svg/w5vwxizv54d1kcnlfsds.svg)](https://www.moneysmart.sg/) - [Cards](https://www.moneysmart.sg/credit-cards) #### Compare Credit Cards [All Credit Cards](https://www.moneysmart.sg/credit-cards) [Air Miles Credit Cards](https://www.moneysmart.sg/credit-cards/air-miles) [Cash Back Credit Cards](https://www.moneysmart.sg/credit-cards/cash-back) [No Annual Fee Credit Cards](https://www.moneysmart.sg/credit-cards/no-annual-fee) [Overseas Spending Credit Cards](https://www.moneysmart.sg/credit-cards/overseas-spending) [Promo Credit Cards](https://www.moneysmart.sg/credit-cards/promo) [Petrol Credit Cards](https://www.moneysmart.sg/credit-cards/petrol) [Rewards Credit Cards](https://www.moneysmart.sg/credit-cards/rewards) [Travel Credit Cards](https://www.moneysmart.sg/credit-cards/travel) [0% Installment Credit Cards](https://www.moneysmart.sg/credit-cards/0-instalment) #### Popular Credit Card Guides [Complete Guide to Credit Cards](https://www.moneysmart.sg/credit-cards/credit-card-bank-application-basics-ms) [Singapore Credit Cards Reviews](https://blog.moneysmart.sg/credit-cards/credit-card-reviews-list/) [Best Credit Card Promotions in Singapore](https://blog.moneysmart.sg/credit-cards/best-credit-card-promotions-singapore/) [Best Cards For Travel & Overseas Spending](https://www.moneysmart.sg/credit-cards/best-credit-cards-for-travel-ms) [Best Airport Lounge Credit Cards](https://www.moneysmart.sg/credit-cards/airport-lounge-credit-cards-ms) [Best Air Miles Credit Cards](https://blog.moneysmart.sg/credit-cards/best-air-miles-credit-cards-singapore/) [Best Credit Cards for Foreigners in Singapore](https://www.moneysmart.sg/credit-cards/best-credit-card-foreigners-expats-ms) [Start learning about Credit Cards](https://www.moneysmart.sg/credit-cards/knowledge-hub-ms) #### MoneySmart Exclusive Promotions [HSBC \\| S\$430 Cash or SmartPoints](https://www.moneysmart.sg/credit-cards/hsbc) [Citi \\| S\$400 Cash or SmartPoints](https://www.moneysmart.sg/credit-cards/citibank/promo) [SCB \\| S\$350 Cash or SmartPoints](https://www.moneysmart.sg/credit-cards/standard-chartered/promo) [UOB \\| Apple AirPods Pro 3](https://www.moneysmart.sg/credit-cards/uob/promo) [OCBC \\| S\$200 Cash or SmartPoints](https://www.moneysmart.sg/credit-cards/ocbc/promo) [AMEX \\| S\$160 eCapitaVoucher](https://www.moneysmart.sg/credit-cards/american-express/promo) [Claim MoneySmart Rewards](https://www.moneysmart.sg/dashboard/claims) #### Best Credit Cards by Bank [American Express Credit Cards](https://www.moneysmart.sg/credit-cards/american-express) [Airwallex Debit Card](https://www.moneysmart.sg/credit-cards/airwallex) [CIMB Credit Cards](https://www.moneysmart.sg/credit-cards/cimb) [Citibank Credit Cards](https://www.moneysmart.sg/credit-cards/citibank) [DBS Credit Cards](https://www.moneysmart.sg/credit-cards/dbs) [HSBC Credit Cards](https://www.moneysmart.sg/credit-cards/hsbc) [Maybank Credit Cards](https://www.moneysmart.sg/credit-cards/maybank) [OCBC Credit Cards](https://www.moneysmart.sg/credit-cards/ocbc) [POSB Credit Cards](https://www.moneysmart.sg/credit-cards/posb) [Trust Bank Credit Cards](https://www.moneysmart.sg/credit-cards/trust-bank) [Standard Chartered Credit Cards](https://www.moneysmart.sg/credit-cards/standard-chartered) [UOB Credit Cards](https://www.moneysmart.sg/credit-cards/uob) [WorldFirst Debit Card](https://www.moneysmart.sg/credit-cards/worldfirst) - [Loans](https://www.moneysmart.sg/loans) #### Compare Loans [Personal Loan](https://www.moneysmart.sg/personal-loan) [Home Loan](https://www.moneysmart.sg/home-loan) [Home Loan Refinancing](https://www.moneysmart.sg/refinancing) [Home Equity Loan](https://www.moneysmart.sg/home-equity-loan) [Debt Consolidation Loan](https://www.moneysmart.sg/debt-consolidation-plan) [Renovation Loan](https://www.moneysmart.sg/personal-loan/renovation-loan) [Education Loan](https://www.moneysmart.sg/personal-loan/education-loan) [Instant Loan](https://www.moneysmart.sg/personal-loan/instant-loans) [Alternate Lender](https://www.moneysmart.sg/personal-loan/alternate-lenders) [Car Loan](https://www.moneysmart.sg/car-loan) #### Popular Loan Guides [Upgrading from an HDB to Condo Guide](https://www.moneysmart.sg/home-loan/hdb-to-condo-upgrade-ms) [Guide For Singles Buying HDB/Condo](https://www.moneysmart.sg/home-loan/housing-guide-for-singles-ms) [Top Licensed Money Lenders in Singapore](https://www.moneysmart.sg/personal-loan/best-moneylenders-singapore-ms) [Understanding Debt Repayment Scheme](https://www.moneysmart.sg/personal-loan/debt-repayment-scheme-ms) [Can I Get a Loan with a Bad Credit Score?](https://www.moneysmart.sg/personal-loan/bad-credit-personal-loan-ms) [CPF Housing Grant Guide](https://blog.moneysmart.sg/property/hdb-cpf-housing-grant-guide/) [BTO Application Guide](https://blog.moneysmart.sg/property/hdb-bto-flat-guide/) [COE Guide: Bidding Process & Loan Options](https://www.moneysmart.sg/personal-loan/coe-singapore-guide-ms) [Personal Loan Knowledge Hub\!](https://www.moneysmart.sg/personal-loan/knowledge-hub-ms) #### Home Loans Tools & Resources [Mortgage Calculator](https://www.moneysmart.sg/home-loan/mortgage-calculator) [TDSR Calculator](https://www.moneysmart.sg/home-loan/tdsr-calculator) [Stamp Duty Calculator](https://www.moneysmart.sg/home-loan/stamp-duty-calculator) [Property Tax Calculator](https://www.moneysmart.sg/home-loan/property-tax-calculator) [Progressive Payment Calculator](https://www.moneysmart.sg/home-loan/progressive-payment-calculator) [MSR Calculator](https://www.moneysmart.sg/home-loan/msr-calculator) [Refinancing Calculator](https://www.moneysmart.sg/refinancing/refinancing-calculator) #### Best Home Loans By Bank [DBS Home Loans](https://www.moneysmart.sg/home-loan/dbs) [Maybank Home Loans](https://www.moneysmart.sg/home-loan/maybank) [OCBC Home Loans](https://www.moneysmart.sg/home-loan/ocbc) [UOB Home Loans](https://www.moneysmart.sg/home-loan/uob) #### Best Personal Loans by Bank [Standard Chartered Personal Loans](https://www.moneysmart.sg/personal-loan/standard-chartered) [CIMB Personal Loans](https://www.moneysmart.sg/personal-loan/cimb) [UOB Personal Loans](https://www.moneysmart.sg/personal-loan/uob) [Trust Bank Personal Loans](https://www.moneysmart.sg/personal-loan/trust-bank) [HSBC Personal Loans](https://www.moneysmart.sg/personal-loan/hsbc) [See All Home Loan Articles](https://blog.moneysmart.sg/category/home-loans/) [See All Personal Loan Articles](https://blog.moneysmart.sg/category/personal-loans/) [See All Renovation Loan Articles](https://blog.moneysmart.sg/category/renovation-loans/) - [Insurance](https://www.moneysmart.sg/insurance) #### Compare Insurance [Travel Insurance](https://www.moneysmart.sg/travel-insurance) [Car Insurance](https://www.moneysmart.sg/car-insurance) [Maid Insurance](https://www.moneysmart.sg/maid-insurance) [Home Insurance](https://www.moneysmart.sg/home-insurance) [Personal Accident Insurance](https://www.moneysmart.sg/personal-accident-insurance) [Health Insurance](https://www.moneysmart.sg/health-insurance) [Life Insurance](https://www.moneysmart.sg/life-insurance) [Term Insurance](https://www.moneysmart.sg/term-life) [Cancer Insurance](https://www.moneysmart.sg/cancer-insurance) [International Health Insurance](https://www.moneysmart.sg/health-insurance/international-health-insurance) [Mortgage Insurance](https://www.moneysmart.sg/term-life/mortgage-insurance) #### Popular Life Insurance Guides [Ultimate Guide on Term Life Insurance](https://www.moneysmart.sg/term-life/term-insurance-guide-ms) [Ultimate Guide On Health Insurance](https://www.moneysmart.sg/health-insurance/guide-ms) [Health Insurance Terms You Should Know](https://www.moneysmart.sg/health-insurance/health-insurance-glossary-ms) [Ultimate Guide On Life Insurance](https://www.moneysmart.sg/life-insurance/life-insurance-guide-ms) [Singapore Health Insurance 101](https://blog.moneysmart.sg/health-insurance/health-insurance-singapore/) [Integrated Shields Plans Guide](https://blog.moneysmart.sg/health-insurance/integrated-shield-comparison/) [Whole Life vs Term Insurance 101](https://blog.moneysmart.sg/life-insurance/life-insurance-singapore/) [See All Health Insurance Articles](https://blog.moneysmart.sg/category/health-insurance/) [See All Life Insurance Articles](https://blog.moneysmart.sg/category/life-insurance/) [See All Mortgage Insurance Articles](https://blog.moneysmart.sg/category/mortgage-insurance/) #### Popular General Insurance Guides [Ultimate Guide To Car Insurance](https://www.moneysmart.sg/car-insurance/car-insurance-guide-ms) [Best Endowment Plans](https://www.moneysmart.sg/car-insurance/best-endowment-plans-ms) [Maid Insurance 101](https://blog.moneysmart.sg/health-insurance/maid-insurance-singapore/) #### Popular Travel Insurance Guides [Best Trip Cancellation Coverage](https://www.moneysmart.sg/travel-insurance/travel-insurance-with-trip-cancellation-coverage-ms) [Best Medical Coverage](https://www.moneysmart.sg/travel-insurance/travel-insurance-with-best-medical-coverage-ms) [Travel Insurance Knowledge Hub](https://www.moneysmart.sg/travel-insurance/knowledge-hub-ms) [See All Travel Insurance Articles](https://blog.moneysmart.sg/category/travel-insurance/) [See All Car Insurance Articles](https://blog.moneysmart.sg/category/car-insurance/) [See All Home Insurance Articles](https://blog.moneysmart.sg/category/home-insurance/) #### Best Travel Insurance by Provider [Allianz Travel Insurance](https://www.moneysmart.sg/travel-insurance/allianz-travel) [DirectAsia Travel Insurance](https://www.moneysmart.sg/travel-insurance/direct-asia) [FWD Travel Insurance](https://www.moneysmart.sg/travel-insurance/fwd) [HL Assurance Travel Insurance](https://www.moneysmart.sg/travel-insurance/hong-leong-group) [Income Travel Insurance](https://www.moneysmart.sg/travel-insurance/income) [MSIG Travel Insurance](https://www.moneysmart.sg/travel-insurance/msig) [Singlife Travel Insurance](https://www.moneysmart.sg/travel-insurance/singlife) [Starr Travel Insurance](https://www.moneysmart.sg/travel-insurance/starr) [Sompo Travel Insurance](https://www.moneysmart.sg/travel-insurance/sompo) [Tiq by Etiqa Travel Insurance](https://www.moneysmart.sg/travel-insurance/tiq) [Zurich Travel Insurance](https://www.moneysmart.sg/travel-insurance/zurich) [Travel Insurance Promo](https://www.moneysmart.sg/travel-insurance/holiday-promo-ms) - [Accounts](https://www.moneysmart.sg/covid-19/relief-ms) #### Compare Accounts [Savings Accounts](https://www.moneysmart.sg/savings-account) [Fixed Deposit Accounts](https://www.moneysmart.sg/fixed-deposit) [Money Transfer](https://www.moneysmart.sg/money-transfer) [Multi-Currency Savings Account](https://www.moneysmart.sg/savings-account/multi-currency-savings-account) [Digital Multi-Currency Account](https://www.moneysmart.sg/digital-multi-currency-account) [Broadband Plan](https://www.moneysmart.sg/broadband) #### Popular Bank Account Guides [Best Savings Account Rates 2025](https://blog.moneysmart.sg/savings-accounts/best-savings-accounts-singapore/) [Best Fixed Deposit Rates 2025](https://blog.moneysmart.sg/fixed-deposits/best-fixed-deposit-accounts-singapore/) [Best Priority Banking Accounts](https://blog.moneysmart.sg/priority-banking/priority-banking-benefits/) [Best Savings Accounts with No Minimum Balance](https://blog.moneysmart.sg/savings-accounts/no-minimum-balance/) [OCBC 360 Account Review](https://blog.moneysmart.sg/savings-accounts/ocbc-360-account-review/) [UOB One Account Review](https://blog.moneysmart.sg/savings-accounts/uob-one-account-review/) [Citibank MaxiGain Review](https://blog.moneysmart.sg/savings-accounts/citibank-maxigain/) [See All Savings Account Articles](https://blog.moneysmart.sg/category/savings-accounts/) [See All Priority Banking Articles](https://blog.moneysmart.sg/category/priority-banking/) [See All Fixed Deposit Articles](https://blog.moneysmart.sg/category/fixed-deposits/) #### Popular General Account Guides [Wifi Speed Explained](https://www.moneysmart.sg/broadband/wifi-speed-explained-ms) [Open Electricity Market Guide](https://blog.moneysmart.sg/budgeting/open-electricity-market-singapore/) [Cheapest Electricity Retailers](https://blog.moneysmart.sg/budgeting/sembcorp-keppel-cheapest-electricity-retailers/) [Cheapest Sim Only Plans](https://blog.moneysmart.sg/budgeting/cheapest-sim-only-plans/) [Best Fibre Broadband Plans](https://blog.moneysmart.sg/budgeting/best-fibre-broadband-singapore/) [Your Rainy Day Fund](https://blog.moneysmart.sg/budgeting/emergency-fund/) [Finance For Couples](https://blog.moneysmart.sg/savings-accounts/joint-account-spouse/) [Alternative Cash Stashes](https://blog.moneysmart.sg/invest/singapore-savings-bonds-review/) #### Best Savings Accounts by Bank [CIMB Savings Accounts](https://www.moneysmart.sg/savings-account/cimb) [Citibank Savings Account](https://www.moneysmart.sg/savings-account/citibank) [DBS Savings Account](https://www.moneysmart.sg/savings-account/dbs) [HSBC Savings Account](https://www.moneysmart.sg/savings-account/hsbc) [OCBC Savings Account](https://www.moneysmart.sg/savings-account/ocbc) [POSB Savings Account](https://www.moneysmart.sg/savings-account/posb) [RHB Savings Account](https://www.moneysmart.sg/savings-account/rhb) [Standard Chartered Savings Account](https://www.moneysmart.sg/savings-account/standard-chartered) [UOB Savings Account](https://www.moneysmart.sg/savings-account/uob) - [Investments](https://www.moneysmart.sg/investments) #### Compare Investments [Best Investment Platforms](https://www.moneysmart.sg/investments) [Online Brokers for Trading CFDs](https://www.moneysmart.sg/investments/cfd) [Online Brokers for Trading US Stocks](https://www.moneysmart.sg/investments/us-stocks) [Online Brokers for Trading SG Stocks](https://www.moneysmart.sg/investments/sgx-stocks) [Online Brokers for Forex Trading](https://www.moneysmart.sg/investments/forex) [Online Brokers for Trading ETFs](https://www.moneysmart.sg/investments/exchange-traded-fund) [Online Brokers for Trading REITs](https://www.moneysmart.sg/investments/reits) [Best Robo Advisors](https://www.moneysmart.sg/investments/robo-advisory) #### Popular Investment Guides [Which Investment Brokerage in Singapore is Best?](https://blog.moneysmart.sg/invest/investment-brokerage-singapore-guide/) [Guide to Investing in ETFs](https://blog.moneysmart.sg/invest/index-fund-etf-singapore/) [Guide to Investing in REITs](https://blog.moneysmart.sg/invest/singapore-reits-investing/) [Investing with \$1000 Dollars](https://www.moneysmart.sg/investments/investing-with-1000-dollars-ms) [Investing During a Recession](https://www.moneysmart.sg/investments/investing-during-a-recession-ms) [See All Investment Articles](https://blog.moneysmart.sg/category/invest/) #### Read and Learn [Robo Advisors 101](https://blog.moneysmart.sg/invest/robo-advisors-singapore/) [Investing with CPF Guide](https://blog.moneysmart.sg/invest/cpf-investment-scheme-cpfis/) [Singapore Savings Bond 101](https://blog.moneysmart.sg/invest/singapore-savings-bonds-review/) [Investing vs Trading](https://www.moneysmart.sg/investments/investing-vs-trading-ms) [How to Buy Stocks in SG](https://blog.moneysmart.sg/invest/how-to-buy-stocks-singapore/) #### Best Brokerage Accounts by Provider [CMC](https://www.moneysmart.sg/investments/cmc) [FOREX.com](https://www.moneysmart.sg/investments/forex-com) [IG](https://www.moneysmart.sg/investments/ig) [Interactive Brokers](https://www.moneysmart.sg/investments/interactive-brokers) [Longbridge Securities](https://www.moneysmart.sg/investments/longbridge) [moomoo](https://www.moneysmart.sg/investments/moomoo) [OANDA](https://www.moneysmart.sg/investments/oanda-singapore) [Plus 500](https://www.moneysmart.sg/investments/plus500) [SAXO](https://www.moneysmart.sg/investments/saxo) [Syfe](https://www.moneysmart.sg/investments/syfe) [Tiger Brokers](https://www.moneysmart.sg/investments/tiger-brokers) [uSMART](https://www.moneysmart.sg/investments/usmart) [Webull](https://www.moneysmart.sg/investments/webull) - [Blog](https://blog.moneysmart.sg/) #### Browse All [Blog Homepage](https://blog.moneysmart.sg/) [See All Latest Articles](https://blog.moneysmart.sg/latest/) [MoneySmart study: Over half of Singaporeans now turn to social media for financial advice](https://www.moneysmart.sg/investments/social-medias-influence-on-financial-decisions-ms) [Press Resources](https://www.moneysmart.sg/press) [What's Trending](https://blog.moneysmart.sg/category/trends/) #### Personal Finance [Budgeting](https://blog.moneysmart.sg/category/budgeting/) [Business](https://blog.moneysmart.sg/category/business/) [Career](https://blog.moneysmart.sg/category/career/) [Education](https://blog.moneysmart.sg/category/education/) [Healthcare](https://blog.moneysmart.sg/category/healthcare/) [Property](https://blog.moneysmart.sg/category/property/) [Opinion](https://blog.moneysmart.sg/category/opinion/) #### Lifestyle [Dining](https://blog.moneysmart.sg/category/dining/) [Entertainment](https://blog.moneysmart.sg/category/entertainment/) [Fitness & Beauty](https://blog.moneysmart.sg/category/fitness-beauty/) [Shopping](https://blog.moneysmart.sg/category/shopping/) [Transportation](https://blog.moneysmart.sg/category/transportation/) [Travel](https://blog.moneysmart.sg/category/travel/) [Wedding](https://blog.moneysmart.sg/category/wedding/) [Family](https://blog.moneysmart.sg/category/family/) #### Money [Credit Cards](https://blog.moneysmart.sg/category/credit-cards/) [Personal Loans](https://blog.moneysmart.sg/category/personal-loans/) [Home Loans](https://blog.moneysmart.sg/category/home-loans/) [Renovation Loans](https://blog.moneysmart.sg/category/renovation-loans/) [Car Loans](https://blog.moneysmart.sg/category/car-loans/) [Invest](https://blog.moneysmart.sg/category/invest/) [Fixed Deposit](https://blog.moneysmart.sg/category/fixed-deposits/) [Priority Banking](https://blog.moneysmart.sg/category/priority-banking/) [Savings Accounts](https://blog.moneysmart.sg/category/savings-accounts/) #### Insurance [Car Insurance](https://blog.moneysmart.sg/category/car-insurance/) [Travel Insurance](https://blog.moneysmart.sg/category/travel-insurance/) [Health Insurance](https://blog.moneysmart.sg/category/health-insurance/) [Home Insurance](https://blog.moneysmart.sg/category/home-insurance/) [Life Insurance](https://blog.moneysmart.sg/category/life-insurance/) [Mortgage Insurance](https://blog.moneysmart.sg/category/mortgage-insurance/) [Personal Accident Insurance](https://blog.moneysmart.sg/category/personal-accident-insurance/) #### Announcements [See All Lucky Draw Winners](https://blog.moneysmart.sg/category/announcements/) - [Rewards](https://www.moneysmart.sg/store) #### Rewards [Rewards Store](https://www.moneysmart.sg/store) [What are SmartPoints?](https://blog.moneysmart.sg/announcements/what-are-smartpoints-and-how-to-use-them/) [Claim Rewards](https://www.moneysmart.sg/dashboard/claims) [Claim Status](https://www.moneysmart.sg/dashboard/claims/history) - [Login](https://www.moneysmart.sg/identity/signin?callback_url=https://www.moneysmart.sg/covid-19/relief-ms) [![MoneySmart Logo](https://assets.cdn-moneysmart.com/assets/cargo/svg/w5vwxizv54d1kcnlfsds.svg)](https://www.moneysmart.sg/) - [Login](https://www.moneysmart.sg/identity/signin?callback_url=https://www.moneysmart.sg/covid-19/relief-ms) - [Cards](https://www.moneysmart.sg/credit-cards) - [Compare Credit Cards](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular Credit Card Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [MoneySmart Exclusive Promotions](https://www.moneysmart.sg/covid-19/relief-ms) - [Best Credit Cards by Bank](https://www.moneysmart.sg/covid-19/relief-ms) - [Loans](https://www.moneysmart.sg/loans) - [Compare Loans](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular Loan Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Home Loans Tools & Resources](https://www.moneysmart.sg/covid-19/relief-ms) - [Best Personal Loans by Bank](https://www.moneysmart.sg/covid-19/relief-ms) - [Insurance](https://www.moneysmart.sg/insurance) - [Compare Insurance](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular Life Insurance Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular General Insurance Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Best Travel Insurance by Provider](https://www.moneysmart.sg/covid-19/relief-ms) - [Accounts](https://www.moneysmart.sg/covid-19/relief-ms) - [Compare Accounts](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular Bank Account Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular General Account Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Best Savings Accounts by Bank](https://www.moneysmart.sg/covid-19/relief-ms) - [Investments](https://www.moneysmart.sg/investments) - [Compare Investments](https://www.moneysmart.sg/covid-19/relief-ms) - [Popular Investment Guides](https://www.moneysmart.sg/covid-19/relief-ms) - [Read and Learn](https://www.moneysmart.sg/covid-19/relief-ms) - [Best Brokerage Accounts by Provider](https://www.moneysmart.sg/covid-19/relief-ms) - [Blog](https://blog.moneysmart.sg/) - [Browse All](https://www.moneysmart.sg/covid-19/relief-ms) - [Lifestyle](https://www.moneysmart.sg/covid-19/relief-ms) - [Money](https://www.moneysmart.sg/covid-19/relief-ms) - [Insurance](https://www.moneysmart.sg/covid-19/relief-ms) - [Rewards](https://www.moneysmart.sg/store) - [Rewards](https://www.moneysmart.sg/covid-19/relief-ms) - Follow Us 1. [Home](https://www.moneysmart.sg/) 2. [Covid 19](https://www.moneysmart.sg/covid-19) 3. [Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore?](https://www.moneysmart.sg/covid-19/relief-ms) # Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore? The Singapore government has launched several relief schemes to help employees, self-employed individuals and businesses steer through Covid-19’s economic blow. But with so many schemes to keep track of, things can get a little confusing. So we've compiled the list of financial assistance packages in Singapore and sorted them by who they're for. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/2843/content_image/3cbfdff50da5319cf186eada159e114b.png) ## Which Financial Relief Scheme Are You Looking for? [![related-landing-pages-media](https://lps-images.moneysmart.co/content/2992/content_image/ff6a33af8fa74ea5e63b6ca105098805.png)Individuals & Employees](https://www.moneysmart.sg/covid-19/relief-ms#covid-19-relief-for-individuals-&-retrenched-employees) [![related-landing-pages-media](https://lps-images.moneysmart.co/content/2992/content_image/8ac577e87433296c367b4c4562c9a675.png)Self-Employed](https://www.moneysmart.sg/covid-19/relief-ms#covid-19-relief-for-self-employed-persons-$seps$) [![related-landing-pages-media](https://lps-images.moneysmart.co/content/2992/content_image/7981fc07cc5ae0818ed3a73660aef3ca.png)Business Owners](https://www.moneysmart.sg/covid-19/relief-ms#covid-19-relief-for-businesses) [![related-landing-pages-media](https://lps-images.moneysmart.co/content/2992/content_image/15d691e902cdf21c95d2bb92fb8dd56b.png)FAQs](https://www.moneysmart.sg/covid-19/relief-ms#frequently-asked-questions) ## Covid-19 Relief for Individuals & Retrenched Employees ### You probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S\$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get: ### Covid-19 Support Grant This grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S\$800 a month in financial assistance over a period of 3 months. ### The Courage Fund The Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2949/content_image/5e01c7727fc8d301655478d7120c5e08.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2949/content_image/2bf7be4db81e5a58d83cfe9d59d321fe.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2906/content_image/26d22171834bebe450e8ae616d3bb305.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2906/content_image/41922621cfd71b34d26e2a0538ba0e4a.png) ## Covid-19 Support Grant If you have lost your job due to Covid-19, you may be eligible for the Covid-19 Support Grant, which would support you for 3 months while you look for a new job or undergo training for new skills. Eligible individuals will receive a monthly cash grant amounting to S\$800 a month. To submit your application, you can reach out to any Social Service Office (SSO) or Community Centre in your neighbourhood. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/2902/content_image/2d7fd2adb57de877780e7848737aa382.png) ## Who is eligible for the Covid-19 Support Grant? To qualify for the Covid-19 Support Grant, you should fulfil the following requirements: ### Job Loss You can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i. ### Household Income Prior to unemployment, your household income did not exceed S\$10,000 a month, or S\$3,100 per capita. In addition, the home you live in must have a property annual value under S\$21,000. ### Other Requirements The Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified. ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2854/content_image/1c483ff9ec7bfbbc34b6190d70fad7dc.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2854/content_image/07df33f71d4e12afcbd1acd569adcdf8.png) ## The Courage Fund The Courage Fund is a Community Chest initiative that aids those who contracted Covid-19, as well their families. These benefits are open to Singapore Citizens and PRs as well as Employment Pass, Work Permit, Dependant's Pass or Long-Term Social Visit Pass holders. The fund also extends to Singapore citizen/PR low-income households whose members contracted the coronavirus, or had to serve a quarantine order, stay-home notice or leave of absence. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/2910/content_image/d428ef44d3d3c8d2f13b21d0490f5891.png) ## Who is eligible for the Courage Fund? The Courage Fund offers financial support to those who were hardest-hit by Covid-19. First, the dependants of those who died from the coronavirus. Next, the heroes in healthcare and on the frontline who contracted the virus. And finally, low-income households who were affected by a quarantine order, stay-home notice, or the coronavirus itself. ### Dependants of Covid-19 Victims Families of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S\$10,000 to S\$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital. ### Healthcare & Frontline Workers Healthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S\$3,000 to S\$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg/thecouragefund ### Low-Income Households Low-income households (≤S\$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO/SHN/LOA, and suffered a loss of income. Affected households get S\$500 to S\$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event. ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2914/content_image/d933c744f1d743498db334c31f34f3dd.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2914/content_image/dc61b1fb654323a4f664870a3c0ca2bf.png) ## Covid-19 Relief for Self-Employed Persons (SEPs) ### The Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs. ### SEP Income Relief Scheme (SIRS) The most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S\$3,000 a month in May, July and October 2020. That makes a total amount of S\$9,000, to last for at least the next half a year. ### SEP Training Support Scheme Co-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2964/content_image/b46536fc5fb5ae00dd21df67092b477a.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2964/content_image/58a1f8d0d67191140342cca3c5d66151.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2921/content_image/487b9bf28541630e43723e02376e039e.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2921/content_image/05d2ef749565eff9d6f955526e504c0c.png) ## SEP Income Relief Scheme (SIRS) SIRS is a Covid-19 relief scheme that's targeted specifically at self-employed persons or SEPs, whose livelihoods were affected by the coronavirus outbreak. Eligible SEPs will receive S\$3,000 in May, July, and October 2020 under SIRS. There are several eligibility criteria to meet, but if you are at least 37 years old and declared your net trade income to IRAS last year, you will be automatically included. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/2918/content_image/5852d383aaf776b1ffba38bcfefe6199.png) ## Who is eligible for SEP Income Relief Scheme (SIRS)? To qualify for the SEP Income Relief Scheme, you should fulfill the following requirements: ### Self Employment You are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S\$100,000 a year. ### Employment Income If you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S\$2,300 a month. ### Additional Requirements You home's annual value must not exceed S\$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S\$70,000. ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2925/content_image/6c4fa81885a70977066cb14b27c7e62c.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2925/content_image/fd0b9e68f3319966fa03e39a6ea4cc11.png) ## SEP Training Support Scheme The SEP Training Support Scheme works hand-in-hand with SIRS. Under this training scheme, you are encouraged to use the Covid-19 downtime to up-/re-skill. SEPs will receive up to \$10 per hour training allowance for all courses under SkillsFuture and other sector-specific training courses. Once you complete the course, you just need to submit your Training Certification Slip to obtain endorsement from the Training Provider (TP) or Institute of Higher Learning (IHL) within 30 days to claim your allowance. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/2926/content_image/ae9800575f0200545db8a30db67dfa30.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2932/content_image/824af3728e2dd12ea6efed0f1d627933.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2932/content_image/5a3ac2bd61e36c397a1714af77830f03.png) ## More SEP Resources Head over to our special resource page created just for SEPs. Here's everything you need to know about surviving Covid-19 as a self-employed person, from the details of the Covid-19 relief schemes to tips on improving your cashflow. [Read More](https://www.moneysmart.sg/covid-19/self-employed-ms) ## Covid-19 Relief for Businesses ### As everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types: ### Cash Flow Assistance These comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance. ### Business Loan Schemes Despite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S\$20 billion in loan capital, to be disbursed under various business loan schemes. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2968/content_image/df8fdfb4d3d6db14085b291843b68999.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2968/content_image/82f05328aee554d11ca453e32dc1e051.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2935/content_image/e0939c0f8cb54a1d9566ee8f0e5d0351.png) ![footer-banner-image-media](https://lps-images.moneysmart.co/content/2935/content_image/3d8746a827b768c8bf0632b2330f317b.png) ## Jobs Support Scheme (JSS) Under the Jobs Support Scheme (JSS), the government will co-fund the first \$4,600 of each local employee’s gross monthly income, for 9 months. This is meant to help with cashflow and to encourage employers to keep their staff employed. The support for employers will vary depending on sector: ### Aviation & Tourism The aviation and tourism will receive 75% co-funding for the first \$4,600 gross monthly income of each local employee. ### Food & Beverage The F\&B sector will be given 50% support for the first \$4,600 gross monthly income of each local employee. ### All Other Sectors All other sectors will receive 25% co-funding for the first \$4,600 gross monthly income of each local employee. ## Other Support to Help Businesses Get Through Covid-19 Enhanced Enterprise Financing Scheme (EEFS) ### To help enterprises with their trade financing needs, the maximum loan quantum has been increased to \$10 million. Moreover, the government’s risk-share has been raised from 70% to 80%. Loan Insurance Scheme ### Enterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government. Expanded Temporary Bridging Loan Programme ### Under the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to \$5 million from participating financial institutions. The interest rate will be capped at 5% p.a. Enhanced EFS-SME Working Capital Loan ### To help SMEs with their working capital needs, the maximum loan quantum has been increased from \$300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies). Deferred Capital Payments ### Companies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme. Enhanced Property Tax Rebate ### For 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%. Hawker Stall Rental Waivers ### Stalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver. Freeze on Government Fees ### Fees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others. ## What If You Still Need More Cash? Not everyone in Singapore qualifies for the government assistance schemes here. If you find yourself in need of a personal loan for extra cash, find the right loan package for your needs and income level with MoneySmart's personal loan calculator. [Compare Now](https://www.moneysmart.sg/personal-loan) ## Frequently Asked Questions ### Where can I find the latest on Covid-19 relief schemes? The government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg. ### What if I narrowly miss the eligibility criteria? The Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund/scheme's website or hotline. ### Do foreigners qualify for any of these Covid-19 relief schemes? Unfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options. ## The MoneySmart Covid-19 Survival Guide Apart from getting financial aid from these Covid-19 relief schemes, what else can you do to get through this? Head over to our main Covid-19 resource hub to get practical advice on the circuit breaker, dealing with debt, and how to make the most of your personal finances during the coronavirus period. [Read More](https://www.moneysmart.sg/covid-19/survival-guide-ms) 1. [Home](https://www.moneysmart.sg/) 2. [Covid 19](https://www.moneysmart.sg/covid-19) 3. [Covid-19 Relief Schemes - What Financial Support Can You Get in Singapore?](https://www.moneysmart.sg/covid-19/relief-ms) ![MoneySmart Logo](https://assets.cdn-moneysmart.com/assets/cargo/svg/w5vwxizv54d1kcnlfsds.svg) - [About](https://www.moneysmart.sg/about-us) - [Careers](https://moneysmart.com/) - [Contact Us](https://www.moneysmart.sg/contact-us) - [Credit Cards](https://www.moneysmart.sg/credit-cards) - [Insurance](https://www.moneysmart.sg/insurance) - [Personal Loans](https://www.moneysmart.sg/personal-loan) [Blog](https://blog.moneysmart.sg/) [Budgeting](https://blog.moneysmart.sg/category/budgeting/) [Opinion](https://blog.moneysmart.sg/category/opinion/) [Invest](https://blog.moneysmart.sg/category/invest/) Disclaimer: At MoneySmart, we aim to provide accurate, objective and up-to-date information. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty. The list of financial products displayed on this website are not exhaustive. Follow us © 2009-2026 MoneySmart Singapore Pte Ltd. All rights reserved. Use of this site constitutes acceptance of our [Terms of Use](https://www.moneysmart.sg/terms-of-use), [Privacy Policy](https://www.moneysmart.sg/privacy-policy) and [Fair Dealing Policy](https://www.moneysmart.sg/fair-dealing-policy)
Readable Markdown	You probably already know about the Temporary Relief Fund, an immediate, one-off cash payout of S\$500 to help Singapore Citizens and PRs who have lost their jobs or income as a result of Covid-19. But as the name suggests, it's only a temporary measure. Here are 2 other forms of Covid-19 support you can get: Covid-19 Support Grant This grant supports low- and middle-income Singaporeans who have lost their jobs due to Covid-19. While these individuals look for a new job or attend skills training, they will receive S\$800 a month in financial assistance over a period of 3 months. The Courage Fund The Courage Fund provides support to the hardest-hit among us: Those who have contracted Covid-19, especially those in the frontlines. The fund also extends to low-income families whose incomes are affected by a quarantine order or stay-home notice. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2949/content_image/5e01c7727fc8d301655478d7120c5e08.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2949/content_image/2bf7be4db81e5a58d83cfe9d59d321fe.png) Job Loss You can apply if you lost your permanent or contract job due to Covid-19. However, you must agree to actively search for a new job, or attend a training programme under Workforce Singapore or e2i. Household Income Prior to unemployment, your household income did not exceed S\$10,000 a month, or S\$3,100 per capita. In addition, the home you live in must have a property annual value under S\$21,000. Other Requirements The Covid-19 Support Grant is open to Singapore Citizen and PRs aged 16 years and above. Those currently receiving ComCare Short-to-Medium Term Assistance (SMTA) or ComCare Interim Assistance are disqualified. Dependants of Covid-19 Victims Families of those who tested positive for Covid-19 and eventually succumbed to the virus can receive S\$10,000 to S\$30,000 under the Courage Fund. Dependants may also receive an additional Education Grant to cover tertiary education and living expenses. More information is available at the hospital. Healthcare & Frontline Workers Healthcare workers, frontline workers and community volunteers put their lives at risk daily. Those who contracted Covid-19 in the line of duty are eligible for a S\$3,000 to S\$5,000 payout under the Courage Fund. To apply, fill in the form at www.ncss.gov.sg/thecouragefund Low-Income Households Low-income households (≤S\$3,900 a month) with at least 1 member who tested positive for Covid-19, or was placed on a QO/SHN/LOA, and suffered a loss of income. Affected households get S\$500 to S\$1,000 in financial assistance. To apply, head to any Social Service Office (SSO) within 6 months of the event. The Singapore government has identified self-employed persons (or SEPs) as a particularly vulnerable group - their incomes take a direct hit due to Covid-19. So there are 2 additional schemes to aid SEPs. SEP Income Relief Scheme (SIRS) The most important scheme for the self-employed is SIRS, which gives eligible SEPs a cash payout of S\$3,000 a month in May, July and October 2020. That makes a total amount of S\$9,000, to last for at least the next half a year. SEP Training Support Scheme Co-funded by the government and Income, this is a training scheme for SEPs which also offers an hourly training allowance to encourage individuals to upskill or re-skill during the Covid-19 period. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2964/content_image/b46536fc5fb5ae00dd21df67092b477a.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2964/content_image/58a1f8d0d67191140342cca3c5d66151.png) Self Employment You are a Self-Employed Person, and started work as a SEP on or before 25 March 2020. Your Net Trade Income does not exceed S\$100,000 a year. Employment Income If you are both an employee and self-employed worker, you can also apply. Your income from being an employee must not exceed S\$2,300 a month. Additional Requirements You home's annual value must not exceed S\$21,000, and you do not own more than 1 property. For married SEPs, your spouse's income must not exceed S\$70,000. As everyone knows, Covid-19 has been really bad for businesses big and small. It goes beyond just the tourism and aviation industries: Practically every sector, from food & beverage to finance, is affected. In a bid to help these businesses through a tough financial situation - and to save jobs - the government has a number of Covid-19 relief schemes. They can broadly be grouped into 2 types: Cash Flow Assistance These comprise co-funding schemes, fee waivers, tax rebates, and so on - to reduce the outgoing costs that businesses face. The Jobs Support Scheme, where the government co-funds local employee salaries, is the best example of this type of Covid-19 assistance. Business Loan Schemes Despite the abovementioned assistance schemes, many businesses still face cash flow issues. So to support companies during this challenging period, the government has allocated S\$20 billion in loan capital, to be disbursed under various business loan schemes. ![three-column-vertical-media](https://lps-images.moneysmart.co/content/2968/content_image/df8fdfb4d3d6db14085b291843b68999.png)![three-column-vertical-media](https://lps-images.moneysmart.co/content/2968/content_image/82f05328aee554d11ca453e32dc1e051.png) Aviation & Tourism The aviation and tourism will receive 75% co-funding for the first \$4,600 gross monthly income of each local employee. Food & Beverage The F\&B sector will be given 50% support for the first \$4,600 gross monthly income of each local employee. All Other Sectors All other sectors will receive 25% co-funding for the first \$4,600 gross monthly income of each local employee. Enhanced Enterprise Financing Scheme (EEFS) To help enterprises with their trade financing needs, the maximum loan quantum has been increased to \$10 million. Moreover, the government’s risk-share has been raised from 70% to 80%. Loan Insurance Scheme Enterprises that secure short-term trade financing loans via the Loan Insurance Scheme will receive 80% in subsidies (previously 50%) from the government. Expanded Temporary Bridging Loan Programme Under the Expanded Temporary Bridging Loan Programme, eligible enterprises can borrow up to \$5 million from participating financial institutions. The interest rate will be capped at 5% p.a. Enhanced EFS-SME Working Capital Loan To help SMEs with their working capital needs, the maximum loan quantum has been increased from \$300,000 to 1 million. Moreover, the government’s risk-share was also raised to 90% (previously 50% and 70% for young companies). Deferred Capital Payments Companies facing difficulties with their capital payments may request for a 1-year deferment on their EFS-Working Capital Loan and the Temporary Bridging Loan Programme. Enhanced Property Tax Rebate For 2020, businesses such as hotels, serviced apartments, tourist attractions, shops, and restaurants will pay no Property Tax, while other businesses in non-residential properties will receive a property tax rebate of 30%. Hawker Stall Rental Waivers Stalls in hawker centres managed by the National Environment Agency (NEA) or operators recognised by NEA will get a 3-month rental waiver. Freeze on Government Fees Fees and charges for services provided by the government will not be increased until 31 March 2021. Examples of these fees and charges are school fees, HDB carpark charges, and NEA inspection fees, among others. The government has been extremely responsive in dealing with the Covid-19 crisis in Singapore. To see if there are any updates, such as new schemes, extensions to deadlines, or changes to the eligibility criteria, we recommend checking on www.gov.sg. The Covid-19 relief schemes have cut-offs for household income and property value to ensure that the funds go to those who are the most needy among us. But if you narrowly miss the qualifying criteria, you can submit an appeal through the respective fund/scheme's website or hotline. Unfortunately, the majority of the Covid-19 relief schemes are for Singapore citizens and PRs, except for certain payouts under the Courage Fund. Foreigners can check the Singapore embassies of their home countries to see if they can help. If you are a foreigner in grave need of financial help, speak to your local MP or Social Service Office to explore the options.
Shard	28 (laksa)
Root Hash	13205646038179025628
Unparsed URL	sg,moneysmart!www,/covid-19/relief-ms s443