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Big birthday giveaway with GXS FlexiLoan

Celebrate with us as GXS FlexiLoan turns 1!

Over S$250,000 worth of prizes to be won when you get a GXS FlexiLoan from 2.99% p.a. (EIR 5.65% p.a.)1 with no fees.

To celebrate 12 months of making dreams come true, GXS is giving away an adventure of a lifetime, a dream home makeover, or iPhone 15 and 1-year free Singtel mobile bill2!

Plus, get an additional S$50 Grab voucher3 when you sign up and use your GXS FlexiLoan.

3 easy steps to unlock these prizes:

  1. Download the GXS app
    and sign up for a GXS FlexiLoan account4.
  2. Draw a loan
    of minimum S$3,000, with a minimum tenure of 6 months.
  3. Maintain an active loan
    Ensure your loan is active between 3 April - 17 July 2024.

For customers with an existing GXS FlexiLoan account, only steps 2 and 3 apply. Terms and conditions apply.

Low rates with GXS FlexiLoan

Draw now or later

Draw now or later

Draw multiple loans from your credit line anytime you need, from 2.99% p.a. (EIR 5.65% p.a)1. Your credit line is on standby 24/7 upon approval. No interest is charged if no drawdowns are made.

You call the shots

You call the shots

With flexible repayments, you're able to choose your own tenure (2 to 60 months) and preferred repayment date to pay what you can, when you can.

Approved in minutes

Approved in minutes

Open a GXS FlexiLoan account and receive your funds in minutes4, no strings attached. It's that easy.

A loan that helps you save

A loan that helps you save

Save on interest when you repay your loan early, with no early repayment fees. The earlier you repay, the more you save.

No fees

No fees

You read that right. We don't charge annual, processing, early repayment or late fees. Late interest is however chargeable upon late repayment.

GXS Debit Card

Say hello to the GXS Debit Card.
Start your rewards journey and make a difference with GXS.

Instant rewards

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

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.

Let's get physical

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

Made with love (and recyclable materials)

If you opt for a physical card, the GXS Debit Card (and the packaging it comes in) is made of recycled materials, so you can use it sustainably!

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How to get started

  1. Sign up on the app
    Apply for GXS Debit Card via the GXS app.
  2. Fund your Main Account
    Fund your GXS Savings Account's Main Account easily using PayNow or Bank Transfer to ensure smooth transactions on your GXS Debit Card.
  3. Start spending with your new GXS Debit Card!
    Spend online with your virtual GXS Debit Card or sign up for a physical debit card if you haven't already done so, to spend at retail shops and start earning your rewards!

Sign up for a GXS Debit Card

GXS has also fostered 3 leatherback turtles with the Sea Turtle Conservancy in support of their programmes and to help spread awareness about turtle conservation, contributing to a positive change on our planet!

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Supercharge your savings with GXS Savings Account! Earn 2.68% p.a. interest with Saving Pockets, credited daily. Watch your money grow with no hoops, no minimum balance and no fees!

Up your savings game with GXS.

Saving made better with daily interest

Earn 2.68% p.a. interest on funds in your GXS Saving Pockets, and 2.38% p.a. interest on funds in your Main Account. Interest is credited every day.

Saving Pockets for everything you love

Create up to 8 Saving Pockets for everything that matters to you. Each can be personalised – add names and photos to truly make them yours.

No lock-ins, no hidden fees

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

Thank you for your support.

Slots for the GXS Savings Account are presently filled. Register on the Dash app for early access to future slots!

5 simple steps to link your GXS Savings Account to
Dash Wallet Account

How to link GXS Savings Account to Dash Wallet Account
Say hello to GXS!

Ready for a bank that fits your pocket and your lifestyle? GXS is here to help you do more with your money – more than you’ve ever imagined.

Backed by Singtel and Grab Holdings Inc, GXS is a digital bank on a mission to make banking better for Singapore’s everyday consumers and businesses.

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

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.

GXS FlexiLoan

1Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 24-month repayment period, from 1 Jan 2024 to 1 Jan 2026.

2Dreams Lucky Draw:
(a) To be eligible to participate in the Lucky Draw, a customer must:
(i) be an existing holder of a GXS FlexiLoan account or have successfully applied for a GXS FlexiLoan between 3 April and 30 June 2024 (both dates inclusive) ("Promotion Period), and in each case such GXS FlexiLoan account must remain active and in good standing with the Bank at all material times, including until the Lucky Draw prizes are fulfilled;
(ii) have drawn down a single loan of at least S$3,000 during the Promotion Period; and
(iii) such loan must have a loan tenure of not less than 6 months.

(b) A customer will not be eligible if more than 50% of the loan is repaid on or before 17 July 2024.

(c) Each monthly Lucky Draw will be conducted on 6 May 2024, 5 June 2024 and 3 July 2024 respectively.

For the full promotion terms and conditions, visit GXS has the sole discretion to amend, modify or vary the timing of the fulfillment of the rewards or prizes described in this page and the terms of this promotion without notice or liability to any person.

3$50 Grab Voucher:
Limited to the first 1,000 eligible customers of each month during the Promotion Period.

4Approval of your application is subject to receipt of all supporting documents and further review. GXS 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. Visit the GXS FlexiLoan page on GXS’ website for the GXS FlexiLoan Terms and Conditions that apply.

Before using the GXS app, do make sure you’ve read and agree to the Terms of Use and Acceptable Use Policy on GXS' website.

For the full terms and conditions of GXS FlexiLoan and the promotion, visit By applying for the GXS FlexiLoan and to be eligible to participate in the GXS promotions set out herein, you confirm that you are between 21 to 65 years old (inclusive), 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

Terms and conditions: Deposit Account Terms, Card Account Terms, Rewards Terms, Ecosystem Terms - Grab and Ecosystem Terms - Singtel Dash 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, subject to the maximum balance amount of your GXS Savings Account. For full terms and conditions, please visit

GXS Bank Pte. Ltd. is the donor and adopter of the three leatherback turtles with Sea Turtle Conservancy. No payment is required from you for the adoption. The content on the sea turtles on our website and/or app is for general information only. GXS' Card Account Terms and Rewards Terms are not applicable to GXS' adoption of the Sea Turtle Conservancy. GXS is not an agent of Sea Turtle Conservancy. GXS' terms and conditions are separate from Sea Turtle Conservancy's terms and conditions. GXS does not have control over the contents of any third-party sites or resources, including the Sea Turtle Conservancy website, and you may need to comply with their applicable terms and conditions.

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.

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 for full GXS Savings Account terms and conditions that apply.

Click here for the full Terms & Conditions for Accessing GXS Services from Dash.
Click here here for GXS Bank Ecosystem Terms for Dash.
Click here here for GXS Deposit Account Terms.

Frequently Asked Questions

How do I sign up for a GXS Savings Account via the Dash app ?

We are glad to hear your excitement to be a part of the GXS banking revolution! Currently, GXS sign-ups are exclusively by invitation, and will only be rolled out progressively to selected Dash customers over the coming months.

How do I link my GXS Savings Account to my Dash Wallet account ?

On the homepage of your Dash app, click on the GXS tile. You will be redirected to GXS pages.
If you already have a GXS Savings Account, select “Link my existing GXS Savings Account”.
If you do not have a GXS Savings Account, select “Sign up for GXS via Singpass”. The GXS Savings Account created through this step will automatically be linked to your Dash Wallet account.

Will I be charged a fee to link my GXS Savings Account to my Dash Wallet account ?

No, there will be no fees charged.

What are the benefits of linking my GXS Savings Account to my Dash Wallet account?

No more toggling between apps for the little things (such as viewing your GXS Savings Account balance)! Terms and conditions apply.

What is the maximum per transaction amount I can top up my Dash Wallet account using my GXS Savings Account?

The daily top-up limit is S$2,000 and monthly top-up limit is S$10,000. The maximum wallet limit for Dash at any point in time is up to S$3,000 if you have cleared Dash’s know-your-customer (KYC) processes. Don’t forget to verify your account if you wish to maximize your Dash wallet limit!
For more details on topping up your Dash Wallet, please visit

I can no longer perform credit/debit card top-ups on Dash after signing up for a GXS Savings Account. Why is this so?

Users who have registered for a GXS Savings Account through the Dash app will not be able to cash out funds in their Dash Wallet sourced from credit/debit card facilities. You can now use your linked GXS Savings Account to top-up your Dash Wallet instead. Please note that you will not be able to re-enable credit/debit card top-ups even if you un-link your GXS Savings Account from the Dash app.

How can I unlink my GXS Savings Account from my Dash Wallet account?

Tap on “Account” at the bottom right corner of your Dash app, tap on “GXS Savings Account”, then tap on “Unlink account from Dash”.

What does unlinking my GXS Savings Account from Dash mean? Will I still see my GXS Savings Account in my Dash app?

You will not be able to access and use GXS Bank’s services and products within the Dash app. You will not see GXS Savings Account in your Dash app, but may always re-link the account via the GXS tile on the Dash app.

When I access my GXS Savings Account from my Dash app, am I providing my banking account information to Dash?

No. Your privacy and security is paramount. Once you click on the GXS tile on your Dash app, you will be redirected to GXS pages. Everything you do on the GXS pages (including onboarding and accessing your account) is kept secure by GXS.

GXS Bank contact details

If you have any questions about GXS Bank or require further assistance, here’s how you can get in touch:

Via email:
Via phone: +65 3105 2055

GXS operating hours are 24/7. Please be patient with them as they may be experiencing a high call volume, and they’ll do their best to assist you as soon as they can!