Notices

With effect from 28 June 2026 onwards, the existing GXS FlexiLoan Terms will be restructured under the new FlexiCredit Terms. As part of this transition, your total approved credit limit will now be defined as “FlexiCredit”. This single credit limit is shared dynamically across all unsecured borrowing options, including your Instalment Loan, Balance Transfer, and FlexiPay.

Here is an overview of the new FlexiCredit Terms:

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In addition, an Overdue Interest Rate on FlexiPay will be introduced to encourage healthy financial habits:

Under FlexiCredit, the Normal Interest Rate for active FlexiPay balances remains unchanged at 26% p.a. However, if a minimum repayment amount is missed by the repayment date, an explicit Overdue Interest Rate of 29% p.a. will apply to the overdue principal amount from the day after your repayment date until the date full payment on the total overdue amount is received.

Head to the link below to view the revised terms and conditions which will take effect from 28 June 2026:

www.gxs.com.sg/flexicredit-terms-jun2026 

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Updated as of 28 May 2026

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With effect from 28 May 2026, GXS Bank will no longer offer complimentary insurance coverage associated with the Fullerton SGD Cash Fund (Share Class G).

Please note that insurance coverage associated with units of the Fullerton SGD Cash Fund (Share Class G) previously purchased through GXS Bank will also cease on this date. Accordingly, the terms governing your investments will be updated.

Head to the below link to view the revised terms and conditions which will take effect on 28 May 2026.

www.gxs.com.sg/invest-account-terms-28may2026

With effect from 2 April 2026, the terms will be renamed to ‘GXS-Dash Terms’.

From 2 April 2026, all references to Singtel have been removed or changed to SingCash Pte. Ltd.

Here are the new terms: https://www.gxs.com.sg/dash-tncs

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Updated as of 2 April 2026

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With effect from 2 April 2026, Clause B(2)5.3(a) of Section B(2) (GXS FlexiLoan – FlexiPay) of the GXS FlexiLoan Terms will be revised.

From 2 April 2026, for FlexiPay, normal interest at 26% p.a. will be charged immediately on both existing and new FlexiPay outstanding balances from the date of conversion, regardless of the repayment date.

Here are the new terms with effect from 2 April 2026:
GXS FlexiLoan Terms: www.gxs.com.sg/flexiloan-terms-2apr2026

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Updated as of 2 March 2026.

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With effect from 31 March 2026, Clause B4.8 of Section B (Savings Account) of the Deposit Account Terms will be revised.

Under the updated terms, a Boost Pocket is generally intended to stay open until its maturity date. While you may still request an early closure in full, the bank is no longer obligated to grant this request automatically and the request would be subject to bank's approval and discretion.

Here are the new terms with effect from 31 March 2026:

Deposit Account Terms: https://www.gxs.com.sg/deposit-account-terms-31mar2026

Updated as of 21 May 2026

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‍With effect from 17 March 2026:

- The interest rate for Main Account will be adjusted from 1.08% p.a. to 0.88% p.a.

- The interest rate for Saving Pockets will be adjusted from 1.18% p.a. to 1.08% p.a.

The GXS Savings Account is insured up to S$100K by SDIC. T&Cs apply.

Updated as of 12 February 2026

With immediate effect from 22 January 2026, Section B (Savings Account) of the Deposit Account Terms will be revised as follows:

The GXS Savings Account Money Lock feature which enables restriction of access to funds will now also apply to Boost Pockets. The Money Lock feature on Boost Pockets will be rolled out progressively to customers. For Saving Pockets, unlocked funds will remain in your Saving Pocket.

Here are the new terms:

Deposit Account Terms: https://www.gxs.com.sg/deposit-account-terms

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Updated as of 21 January 2026.

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With immediate effect from 21 January 2026, the GXS FlexiLoan Terms will be revised as follows:
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(1) “GXS FlexiLoan Terms and Conditions” will be renamed to “GXS FlexiLoan Terms”. 
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(2) A new Section B(2): GXS FlexiLoan – FlexiPay (“FlexiPay”) setting out the terms and conditions  governing FlexiPay (“FlexiPay Terms”) will be introduced to the GXS FlexiLoan Terms. 
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(3) With the introduction of FlexiPay and the FlexiPay Terms, Sections B and B(1) will be amended as  follows:  

(a) Section B: 

● Section B will be renamed from “GXS FlexiLoan Terms and Conditions” to “GXS FlexiLoan  Account Terms” 

● “Credit limit” will be referred to as “general credit limit” 

● “Instalments” will be referred to as “repayment amounts” 

● Clause B1.1, Clause B2.1, Clause B3.1, Clause B5.1, Clause B6.1 will be amended to  incorporate references to FlexiPay Terms and/or FlexiPay features 

● New Clause B4.3 in relation to the tenure for each Instalment Loan, which was previously set  out in Clause B4.1 

● Clause B12.1 will be amended as follows: 

○ new definitions of "Balance Transfer Loan", “FlexiPay”, “Instalment Loan” and  “outstanding balance” 

○ revised definitions of “GXS FLexiLoan” and “uncommitted loan” (which shall now  include “uncommitted facility”) 
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(b) Section B(1):  

● Section B(1) will be renamed from “B(1): GXS FlexiLoan – Balance Transfer Terms and  Conditions” to “Section B(1): GXS FlexiLoan – Balance Transfer Terms” 
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(c) Clarificatory and editorial amendments in Sections B and B(1) consequential to the above changes.

Revisions to GXS Ecosystem Terms - Grab

November 28, 2025

In light of Grab launching the new GrabCoins rewards programme, we will be revising our Ecosystem Terms - Grab to reflect this change, with immediate effect from 28 November 2025. All references of "GrabRewards points" will be updated to "GrabCoins" and the reference to Grab's terms and conditions (Terms of Service: Payment and Rewards) in Clause C6.1 will be updated generally to terms and conditions governing the Grab loyalty programme.

Here are the new terms: https://www.gxs.com.sg/grab-ecosystem-tncs