Notices

With effect from 22 September 2026:

(1) The GXS Bank Terms of Use (“Terms of Use”) will be updated as follows.

The following new sections will be introduced to the Terms of Use:

New section: eBuddy, our Chatbot

• The terms and conditions of the GXS Chatbot Terms of Use https://www.gxs.com.sg/chatbot-terms will be incorporated into this section under the GXS Bank Terms of Use
• The terms and conditions for the Chatbot will also be revised:
  
  • To include chatbot features
  • To require you to fact-check content from our Chatbot
  • Regarding your provision of personal data or sensitive information in your use of our Chatbot

New section: Third party rights

• No third party shall have the right to enforce any terms under the Terms of Use

The following sections in the Terms of Use will be revised:

• ‍Intellectual property rights: To introduce new paragraphs on the sharing of Materials and use of Marks‍
• Disclaimers: To include additional disclaimers on content ‍
• You indemnify us: To include your indemnity for our affiliates, agents and/or service providers; and your indemnity for your use of our Chatbot (as originally stated in, and incorporated from, the GXS Chatbot Terms of Use)‍
• You should comply with our Acceptable Use Policy and prevailing laws and regulations: To include that content standards apply to Materials‍
• Responsibility to maintain upkeep of your devices: To include device security steps you should take‍
• Contact us: To include that you should only refer to official sources for our website and phone numbers

(2) The GXS Chatbot Terms of Use https://www.gxs.com.sg/chatbot-terms will be terminated and you will be automatically redirected to the GXS Bank Terms of Use from this URL.

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View the revised Terms of Use which will take effect from 22 September 2026 here: https://www.gxs.com.sg/terms-of-use

Updated as of 22 September 2026

With effect from 9 September 2026, Section B (Invest Account) of the GXS Invest Account Terms will be updated to introduce a new clause B2.3 for the new Auto-Invest (recurring investments) feature.

Here are the updated terms: www.gxs.com.sg/invest-account-terms

Updated as of 9 September 2026.

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With effect from 19 August 2026, we will be revising our GXS FlexiLoan Biz Terms, Section B - Clause B6.4 to update the grace period from 2 days to 3 days past your due date.

Here are the new terms:

GXS FlexiLoan Biz Terms: https://www.business.gxs.com.sg/biz-flexiloan-terms

With effect from 15 August 2026, the Odyssey Terms are revised to remove all references to Dash, as the GXS-Dash Terms are terminated.

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

With effect from 11 August 2026: the FlexiCredit Terms will be updated to reflect changes to the GXS Credit Card Annual Fee.

Key Changes:

• ‍Fee Schedule for FlexiCredit Terms: Under Section D. GXS Credit Card of the Fee Schedule, the Annual Fee is updated to S$196.20 (inclusive of 9% GST) per year and its status has been updated to “Applicable”.
• If your Onboarding Date is on or before 31 December 2026, your first Annual Fee is waived.

View the revised FlexiCredit Terms which will take effect from 7 August 2026 here:

http://gxs.com.sg/flexicredit-terms

Updated as of 11 August 2026

With effect from 15 August 2026, the GXS-Dash Terms and the services and products that we provide to you under these Terms will be terminated: https://www.gxs.com.sg/dash-tncs

What does this mean for you?

From 15 August 2026, the following activities will no longer be available on the Dash app:

1. Linking your GXS Savings Account to your Dash account
2. Update daily transaction limit for linked GXS Savings Account
3. Viewing account details of linked GXS Savings Account
4. Send money directly from your linked GXS Savings Account
5. Top up Dash wallet using your GXS Savings Account
6. Make QR payments directly from your linked GXS Savings Account

There are no changes to your GXS Savings Account.

To top up your Dash Wallet, you can do so easily via PayNow on the Dash app.

Accordingly, with effect from 15 August 2026, all references to Dash in the Bank's terms and conditions (including Odyssey Terms) will be removed.

With effect from 31 July 2026: the Rewards Terms will be updated to introduce the new Singtel Cashback feature for the GXS Credit Card Rewards.

Key Changes:

• Section C (GXS Credit Card Rewards)
  
  • New definitions for "Eligible Singtel Transaction" and "Singtel Cashback" are added to Clause 2 (Definitions and Interpretation). An Eligible Singtel Transaction includes retail transactions classified under MCC 4814 across specific Singtel merchants.
    
  • A new Clause 5 (Singtel Cashback) is introduced to outline the earning mechanics for Singtel Cashback. You are eligible to receive Singtel Cashback calculated at 1.75% of the total Eligible Singtel Transaction amount charged during their monthly billing cycle.
    
    • There is no minimum spend required to earn the Singtel Cashback.
    • There is no cap on the amount of Singtel Cashback that a customer can earn each billing cycle.
    • The earned Singtel Cashback will be credited directly to your credit card account by the first day of the next billing cycle.
  • Clause 6 is revised to include that you may view Singtel Cashback in our mobile application.
    

View the revised Rewards Terms which will take effect from 31 July 2026 here: https://www.gxs.com.sg/rewards-terms

Updated as of 31 July 2026

With effect from 20 July 2026, the GXS Ecosystem Terms - Grab will be updated to introduce application and account integration capabilities for the GXS Credit Card within the Grab mobile application.

Key Changes:

• ‍Credit Card Application Integration: Eligible customers can apply for and open a GXS Credit Card account through embedded bank access points on the Grab app platform. Onboarding eligibility is subject to the bank’s credit assessment and standard regulatory guidelines.‍
• Automated Card Linking: Upon successful account opening and user authentication, your GXS Credit Card can be linked automatically as an active payment method within your personal Grab app profile.‍
• Account Link Security Restriction: For account protection, cardmembers may only link their GXS Credit Card as a payment method to a personal Grab account held in their own name. GXS Bank reserves the right to unlink the card credentials immediately if an attempt is made to connect the card to another individual's Grab profile.

View the updated terms and conditions which will take effect from 20 July 2026 here:

https://www.gxs.com.sg/grab-ecosystem-tncs

Updated as of 20 July 2026

With effect from 20 July 2026: the FlexiCredit Terms and Rewards Terms will be updated to introduce the GXS Credit Card and GXS Credit Card Rewards respectively.

(1) The GXS FlexiCredit Terms will be updated to introduce the terms and conditions governing the GXS Credit Card.

Key Changes:

• Section B (FlexiCredit Terms and Conditions)
  
  • A new clause B1.2(B) is introduced to set out that the Specific Terms for GXS Credit Card will be set out in Section D (GXS Credit Card).
  • Clause B1.2(b) is amended to incorporate references to GXS Credit Card Statement of Account and GXS Credit Card and FlexiPay Statement of Account. You may receive up to two periodic statements depending on accounts maintained: a GXS FlexiLoan Statement for personal loans, and/or a GXS Credit Card and FlexiPay Statement of Account for revolving balances.
  • Clause B(3) Account Closure and Termination is introduced to set out that any Specific Terms may be terminated only by terminating the Specific Terms for all the services and products which the Bank provides under the FlexiCredit Terms.
    

• Section C (GXS FlexiLoan)
  
  • Clause C4.4 is introduced in relation to the repayment date for existing GXS Credit Card customers who draw down their first loan under GXS FlexiLoan.
  • Clauses C2.2, C2.3 and C2.4 and C5.1 are amended to incorporate references to GXS Credit Card and FlexiPay Statement of Account.
  • Clause 3.2 and C5.1 are amended to incorporate references to GXS Credit Card and FlexiPay Late Fee.

• A new Section D (GXS Credit Card) setting out the terms and conditions governing GXS Credit Card will be introduced to the GXS FlexiLoan Terms. Card purchases will utilise your shared FlexiCredit limit pool, which serves as a single credit limit for both GXS FlexiLoan and GXS Credit Card.
  
  • Interest and Fees: No annual fees, overlimit fees, statement retrieval fees, or physical card replacement fees apply. Finance charges on unpaid balances will accrue daily at a rate of 29% p.a. and capitalize at the end of each calendar month.
• Fee Schedule for FlexiCredit Terms: A new Section for GXS Credit Card fees and charges is added to the Fee Schedule

View the revised FlexiCredit Terms which will take effect from 20 July 2026 here:

http://gxs.com.sg/flexicredit-terms

(2) A new Section C (GXS Credit Card Rewards) setting out the terms and conditions governing GXS Credit Card Rewards will be added to the GXS Bank Rewards Terms.

View the new Section C of the Rewards Terms which will take effect from 20 July 2026 here:

https://www.gxs.com.sg/rewards-terms

Updated as of 20 July 2026