Zero interest, zero hassle.

0% interest
A loan with zero interest (EIR 4.13% p.a.)¹.
Zero in on your goals, easily.
Low monthly repayments​
Repay as little as 1% of your loan every month. Make your money work harder, right from the start.​
Flexible loan tenure​
Choose your preferred tenure of 4 to 12 months.​
Low one-time processing fee
That's it. No other fees, no surprises.

Apply for a GXS FlexiLoan Balance Transfer and get your funds within minutes.

Find out more

Say hello to the GXS Debit Card.

Instant rewards

Unlock an instant reward for each eligible transaction of at least S$10 spent on your GXS Debit Card!

Let's get physical

Get a physical GXS Debit Card for all your offline spending needs. Pick from 3 designs to match your style.

No cap, no hoops, no kidding

There is absolutely no cap on how many rewards you can earn. Plus, no monthly minimum spend required. Go crazy – we're ready for it.

Made with love (and recyclable materials)

If you opt for a physical card, the GXS Debit Card is made of recycled materials, so you can use it sustainably!

Sign up and make a difference today.

GXS has also fostered 3 leatherback turtles with the Sea Turtle Conservancy. When you apply for a GXS Debit Card, you help us support their programmes and spread awareness about turtle conservation, contributing to a positive change for our planet!

Daily interest and daily wins with GXS.

Earn interest interest every day with GXS

Saving made better
with daily interest

Earn 2.38% p.a. interest on funds in your GXS Saving Pockets, and 2.08% p.a. interest on funds in your Main Account. Interest is credited every day.

Create up to 8 saving pockets in GXS

Saving Pockets for
everything you love

Open up to 8 Saving Pockets to save even more for your goals. Personalise every pocket – add names and photos to truly make them yours.

No lock-ins & hidden fees - GXS

No lock-ins,
no hidden fees

You can withdraw your money anytime.
Plus, no minimum balance needed.
No catches, no kidding.

You can open 1 GXS Savings Account in your own name and deposit up to a maximum amount as stated in your GXS app. Insured up to S$100,000 with SDIC. T&Cs apply. Please visit gxs.com.sg/tnc for the full T&Cs.

​Grow your business with daily interest and a low-interest loan.

GXS Biz Account

GXS Biz Account

Daily interest for every deposit. Up to 2.38% p.a. daily interest. No fees, no minimum balance. Instant account opening¹.

GXS FlexiLoan Biz

GXS FlexiLoan Biz

Standby credit line up to S$150,000, at low rates from 4.99% p.a. (EIR 9.32% p.a.)².​ No fees, no early repayment charges. Always ready when you need.

Extra special deals

Extra special deals​

worth S$2,032 from Singtel
and Grab.

GXS Bank is a digital bank proudly backed by Singtel and Grab.

Stay tuned for more Singtel-exclusive GXS perks.

GXS FlexiLoan

1 Effective Interest Rate (EIR) for Balance Transfer is calculated with an average loan amount of $10,000, with a 4-month repayment period, from 1 Jan 2024 and a minimum monthly due of 1% of loan principal. 

By applying for the GXS FlexiLoan, you confirm that you are at least 21 years old, a Singaporean citizen or permanent resident, and earn a minimum income of S$20,000 p.a., and you consent to GXS reporting to, or conducting checks with, Credit Bureau (Singapore) Pte Ltd for the purposes of your loan application.
 

GXS Debit Card

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Card Account Terms and Rewards Terms shall apply. GXS Debit Card transactions will be processed by debiting from the Main Account of your GXS Savings Account. GXS Debit Card Rewards will be credited into the Main Account. For full terms and conditions, please visit www.gxs.com.sg/tnc.

GXS Savings Account

You can open 1 GXS Savings Account in your own name and deposit up to a maximum amount as stated in your GXS app. Insured up to S$100K by SDIC.

If you are new to GXS and have an existing Dash account, or have a new Dash account opened by Thursday, you will be able to link your GXS Savings account to your Dash account by the following Monday (only for Singtel Mobile customers).

By proceeding, you agree that only you shall be the applicant for the GXS Savings Account and such application shall not be made by any other person. You also agree that you shall not allow your GXS Savings Account to be linked with any other Dash accounts not belonging to you. The Bank shall have the right to close the GXS Savings Account in accordance with its governing terms and conditions.

Visit gxs.com.sg/tnc for full GXS Savings Account terms and conditions that apply.

GXS Business Banking

Terms and conditions: Business Account Terms, GXS FlexiLoan Biz Terms, Biz Ecosystem Terms - Grab and Biz Ecosystem Terms - Singtel shall apply. For full terms and conditions, please visit business.gxs.com.sg.

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

¹ Applicable for Grab Merchants who link their Grab Merchant account to their GXS Biz Account and receive at least 1 cashout transaction into their GXS Biz Account in a calendar month. And for Singtel users who are GXS Biz Account holder AND existing/new-to-Singtel retail with at least 1 Singtel postpaid service (Postpaid or GOMO), Broadband, TV or Fixed Line or SMB customer who meet the eligibility criteria. Earn 0.5% bonus interest on top of base interest of 1.88% p.a (2.38%p.a.) on GXS Biz Account balances .

Biz Ecosystem Terms - Grab and Biz Ecosystem Terms - Singtel shall apply.

Account opening is subject to GXS Bank's approval and may require additional supporting documents and processing time.

² Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 24-month repayment period, from 1 Jan 2025 to 1 Jan 2027. Approval of your application is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Late interest charges may apply in the event of late repayment. Your loan is subject to review from time to time, and may be cancelled by GXS at its discretion. Terms and Conditions apply.

³ Fulfillment of the exclusive Grab and Singtel benefits are subjected to conditions mentioned in Biz Ecosystem Terms - Grab and Biz Ecosystem Terms - Singtel. The benefits are managed by Grab and Singtel. Eligibility and fulfillment of said rewards will be based on Grab and Singtel T&C and discretion.

Stay tuned for GXS updates.

   

GXS Bank is a separate entity and is not associated with the businesses of Singtel and its entities. The GXS Savings Account, GXS Debit Card, GXS FlexiLoan GXS FlexiCard, GXS Biz Account and GXS FlexiLoan Biz are provided by GXS Bank. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore.

Singtel is not involved, whether as an agent or otherwise, in providing the GXS FlexiLoan and GXS FlexiLoan Biz. Details provided here on the GXS FlexiLoan and GXS FlexiLoan Biz are for general reference only, and not represented or warranted by Singtel to be free of errors, inaccuracies or omissions. You are responsible for finding out more from GXS Bank and independently verifying the information provided by GXS Bank. All matters concerning the GXS FlexiLoan and GXS FlexiLoan Biz including eligibility and/or enrolment shall be handled by or made directly to GXS Bank.

You will be re-directed to a website that is owned or operated by GXS Bank. Such websites are not under Singtel’s control and Singtel is not liable for any errors, omissions, delays, interruptions, harmful components, inaccuracy or any other objectionable material contained therein, or the consequences of accessing any linked website. You agree that your access to or use of such linked websites is entirely at your own risk.

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