Indulge your inner


Indulge your inner


Indulge your inner


Win your dream holiday
Experience local food cultures on a tasty trip worth S$12,000 for you and a friend.

2 winners / month from April to June 2024
Each winner gets a S$12,000 travel voucher from EU Holidays. 

T&Cs apply.
Style your

Dream home

Style your

Dream home

Style your

Dream home

Win your dream home makeover
Dress up your home with stylish furniture and snazzy home appliances.

S$5,000 Commune furniture voucher
(2 winners / month for April & May 2024)

S$2,000 Singtel voucher for lifestyle products
(4 winners for June 2024)
T&Cs apply.

Rock a new

Win your dream phone + 1-year free Singtel bills
Stay connected with a new iPhone 15 and have your Singtel mobile postpaid bill covered for one year.

5 winners / month from April to June 2024
Each winner gets iPhone 15 (128GB, black) and S$1,500 Singtel mobile postpaid bill rebate. T&Cs apply.
Need another reason to sign up?
Get a S$50 Grab voucher when you sign up and draw a GXS FlexiLoan from April to June 2024.*

S$50 ON US

S$50 ON US

Apply now
*For the first 1,000 eligible customers each month from April to June 2024. T&Cs and disclaimers apply.
From 3 April to 30 June, stand to win a dream prize and get your S$50 Grab voucher in 3 easy steps.

Download the app.

and sign up for GXS FlexiLoan.

Download now

Draw a loan

of min. S$3,000, with a min. tenure

of 6 months, by 30 June 2024.


Maintain an active loan

with at least 50% balance until 17 July 2024.

For the full list of prizes and promotion terms, click here.

A monthly lucky draw will be conducted for the months of April, May and June 2024.

Existing GXS FlexiLoan customers are eligible for the lucky draw 

(if step 2 is completed during the 3 months), and are not eligible for the S$50 Grab voucher.

Low rates.

Get quick cash at low interest rates. It's a personal loan that finally puts you first.


(EIR 5.65% p.a.)

No fees.

We don’t charge annual, processing, early repayment or late fees with GXS FlexiLoan.

Late interest is chargeable upon late repayment.


Whether it's S$200 or S$10,000, draw multiple
loans from your GXS FlexiLoan credit line whenever you need.

No interest is charged if no drawdowns are made.

Flexible repayments.

Choose your repayment date and loan tenure. Save on interest when you repay your loan early.
loans taken
Total interest saved with early repayment, thanks to our daily interest calculation


Got questions?

We got answers.

What is a GXS FlexiLoan?

The GXS FlexiLoan is a credit line you can draw multiple loans from, up to your credit limit. Apply within minutes, choose your tenure and repayment date, all within your GXS app. You can even save on interest when you repay early, with no fees charged. We don't call it a FlexiLoan for nothing!

Am I eligible for a GXS FlexiLoan?

You can apply for a GXS FlexiLoan if you are:

  • Aged between 21 and 65 years old;
  • A Singapore Citizen or a Singapore Permanent Resident; and
  • With a minimum annual income of S$20,000

Where can I find my GXS FlexiLoan interest rate?

Your interest rate (APR and EIR) will be shared with you upon successful application along with your assigned credit limit, so that you have all the details you need to make an informed decision on whether you wish to take on the GXS FlexiLoan.

You may also find your interest rate within the GXS FlexiLoan home screen right beneath your credit limit.

How is my GXS FlexiLoan interest calculated?

Interest is calculated on a daily, non-compounding basis. This means that interest is only charged on your outstanding GXS FlexiLoan balance of the day. So you get to enjoy interest savings if you repay early, since your outstanding GXS FlexiLoan balance has been further reduced.

What are the fees I need to pay for my GXS FlexiLoan?

Lucky you! There are zero fees involved, whether for prepayment, processing or late payment. We won't even charge you for paying early, and on top of that, you get to enjoy interest savings!

While there are no fees, you will still be charged late interest at a default rate of 18% p.a. for late payments. Simply repay early or on time to avoid this.

How do I qualify for the lucky draw and S$50 Grab voucher?

Easy! If you aren’t a GXS FlexiLoan customer, download the GXS app and click “Sign Up” to apply for a GXS FlexiLoan.

Next, you’ll need to:

  • Draw a single loan of minimum S$3,000; and
  • Select a loan tenure of minimum 6 months.
  • The loan must be drawn between 3 April 2024 and 30 June 2024.

You’ll also need to ensure that your loan is still active and you have not prepaid more than 50% of your loan by 17 July 2024.

Only new GXS FlexiLoan customers will get to enjoy the S$50 Grab voucher. The S$50 Grab vouchers will be limited to the first 1,000 eligible new GXS FlexiLoan customers each month from April to June 2024.

If you already have a GXS FlexiLoan account, you will still be able to participate in the lucky draw as long as you meet the above eligibility criteria.

When will the lucky draw be conducted?

The lucky draw will be conducted on 6 May 2024, 5 June 2024 and 3 July 2024 between 10am to 6pm in the presence of external auditors at our office located at 3 Media Close, #09-00, Singapore 138498.

How many lucky draw winners will there be, and what is the prize?

There will be 29 winners in total, where 9 winners will be drawn at random each in April and May 2024, and 11 winners will be drawn at random in June 2024. Winners will receive prizes across 3 prize categories – Travel, Home and Tech.

For the full list of prizes, please click here.

How do I know if I have won?

Winners will receive official communication from GXS within 7 days from the relevant draw dates of 6 May 2024, 5 June 2024 and 3 July 2024 in the form of emails and/ or push notifications informing them that they have won. Winners may also receive a follow-up call from our customer support. Your full name and partially masked NRIC number will also be published on our website within 7 days from the relevant draw dates mentioned.

When and how will I receive my lucky draw prize or S$50 Grab voucher?

You will receive your lucky draw prize and/or voucher or be provided with information on how to claim or redeem your lucky draw prize and/or voucher by 31 July 2024.

The S$50 Grab voucher will be sent to your GXS registered email address in the form of an alphanumeric code. Please refer to to learn how to redeem your Grab voucher.  

Lucky draw winners will receive instructions from the Bank on how to claim or redeem their prizes via their GXS registered email address.

Homegrown bank, backed by homegrown parents

GXS holds a bank license issued by the Monetary Authority of Singapore.

It is backed by a consortium consisting of Grab Holdings Inc., Southeast Asia’s leading super app and Singtel, Asia’s leading communications technology group.

GXS is a separate entity and is not associated with Grab Holdings, Singtel and their entities. The GXS Savings Account is provided by GXS.

For the full promotion terms and conditions, click here.

1. 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 2024 to 1 Jan 2026.

2. The FlexiLoan Dreams Come True Campaign is organised by GXS Bank Pte Ltd ("Bank” or “GXS”) and is valid from 3 April 2024 to 30 June 2024 (“Promotion Period”).

(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 during the 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.

(d) If you do not wish to participate in the Lucky Draw, please call us prior to each monthly Lucky Draw at (+65) 3105 2055 by 30 April 2024, 31 May 2024 and 30 June 2024 respectively (each a "Draw Cut-off Date") to let us know. If you do not withdraw your participation in the Lucky Draw before a Draw Cut-off Date, you consent to GXS (and any other necessary third party) collecting, using and disclosing your information (including your personal data) for purposes relating to your participation in the Lucky Draw. GXS has the sole discretion to amend, modify or vary the timing of the fulfilment of the rewards or prizes described in this page and the terms of this promotion without notice or liability to any person.

Approval of all GXS FlexiLoan applications 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.

Click here for the GXS FlexiLoan Terms and Conditions that apply. GXS is a separate entity and is not associated with the businesses of Grab Holdings, Singtel and their entities. The GXS FlexiLoan is provided by GXS. GXS holds a banking licence and is regulated by the Monetary Authority of Singapore.