Notices

With immediate effect from 30 October 2025:

We will be revising our Card Account Terms for the launch of a Digital Wallet, Google Pay, as follows:

- Section B (Debit Card) - new Clause B10 Third Party Digital Wallets, new definition of "Digital Wallet" in Clause B15.1

- Section C (GXS FlexiCard) - new Clause C9 Third Party Digital Wallets, new definition of "Digital Wallet" in Clause C20.1

We have also, under Section C (GXS FlexiCard), amended a minor typographical error in the Fees, Charges and Foreign Currency Transactions table, under Fees for Transactions Processed Overseas in Singapore Dollars.

Here are the new terms:

Card Account Terms: https://www.gxs.com.sg/card-terms

With effect from 31 October 2025:

- The interest rate for Saving Pockets will be adjusted from 1.38% p.a. to 1.18% p.a.

Insured up to S$100K by SDIC. T&Cs apply.
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Updated as of 1 October 2025

With effect from 26 September 2025:

In light of launching scheduled payments, we will be revising our Business Account Terms, Section B - Clause B5.3. We have also amended a minor typographical error.

Here are the new terms:
Business Account Terms: https://www.business.gxs.com.sg/biz-account-terms  

With effect from 26 October 2025:

1. The following revisions will be made to Section A: General Terms and Conditions of our Business Account Terms and GXS FlexiLoan Biz Terms -
(a) New Clauses A2.8(c), A7.2(h), A7.2(i), A7.2(j), A15.1(g) and the definitions of “high-risk activities” and “unauthorised transactions” in Clause A28.1 will be introduced
(b) Clauses A2.8(e) (formerly A2.8(d), A3.2, A3.3, A7.1(g), A7.2(d), A7.2(f), A7.2(g), A7.3, A10.5(f), A15.1(a), A15.1(b), A15.1(c), A15.1(e), A15.1(f) and the definitions of “Customer Information” and “Event of Default” in Clause A28.1 will be revised

2. The following revisions will also be made to GXS FlexiLoan Biz Terms, Section B -  
(a) Clause B5.6 will be revised and new Clauses B5.7 will be introduced for loan servicing account and automated monthly repayment feature
(b) Clause B5.8 will be introduced for automated repayment
(c) Clause B11.1 will be revised and Clause B11.1(n) will be introduced

Here are the new terms:
Business Account Terms: https://www.business.gxs.com.sg/biz-account-terms-temp
GXS FlexiLoan Biz Terms: https://www.business.gxs.com.sg/biz-flexiloan-terms-temp

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Revisions to interest rates on GXS Biz Account

With effect from 7 Oct 2025:
- The interest rate for GXS Biz Account will be adjusted from from 1.68% p.a. to 1.08% p.a..

Insured up to S$100K by SDIC. T&Cs apply.

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Updated as of 5 September 2025

We will be revising Section A: General Terms and Conditions of our Business Account Terms and GXS FlexiLoan Biz Terms with immediate effect from 4 September 2025, in the light of and to comply with the updated E-Payments User Protection Guidelines (“EUPG”) issued by the Monetary Authority of Singapore (“MAS”) which are applicable to sole proprietors.

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The key updates are revisions to Clause A7.2(c) and new Clause A7.5. We have also amended minor typographical errors.

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Here are the new terms:

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

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You may view the updated E-Payments User Protection Guidelines by MAS at https://www.mas.gov.sg/regulation/guidelines/e-payments-user-protection-guidelines. 

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You may view information on E-Payments User Protection Guidelines on our website at https://cdn.prod.website-files.com/6361d54daaadd91c364a9c51/68352cd6ae95c81b7ff6a99d_EUPG_%20User%20Protection%20Guidelines.pdf.

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Updated as of 4 September 2025

We will be revising Section A: General Terms and Conditions of our Deposit Account Terms, Card Account Terms, GXS FlexiLoan Terms and Conditions and Invest Account Terms with immediate effect from 4 September 2025, in the light of and to comply with the updated E-Payments User Protection Guidelines (“EUPG”) issued by the Monetary Authority of Singapore (“MAS”) which are applicable to you.

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The key updates are as follows:

1. Section A will be revised to include new clauses: 
   
   1. Instructions: A2.8(c)
   2. Statements and Notifications: A3.3
   3. Your Obligations: A7.2(g), A7.2(h), A7.2(i), A7.4
   4. Liabilities: A15.1(g)
   5. Definitions and Interpretation: New definitions “high-risk activities, “unauthorised transaction” under Clause A28.1
      
      
2. The following clauses in Section A will be revised: 
   
   1. Statements and Notifications: Clauses A3.2
   2. Your Obligations: A7.2(c), A7.2(e), A7.2(f), and A7.3

Here are the new terms:

• Deposit Account Terms: https://www.gxs.com.sg/deposit-account-terms 
• Card Account Terms: https://www.gxs.com.sg/card-terms 
• GXS FlexiLoan Terms and Conditions: https://www.gxs.com.sg/flexiloan-terms 
• Invest Account Terms: https://www.gxs.com.sg/invest-account-terms 

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You may view the updated E-Payments User Protection Guidelines by MAS at https://www.mas.gov.sg/regulation/guidelines/e-payments-user-protection-guidelines. 

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You may view information on the E-Payments User Protection Guidelines on our website at https://cdn.prod.website-files.com/6361d54daaadd91c364a9c51/68352cd6ae95c81b7ff6a99d_EUPG_%20User%20Protection%20Guidelines.pdf.

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Updated as of 4 September 2025

With effect from 6 August 2025:
- The interest rate for Main Account will be adjusted from 1.68% p.a. to 1.08% p.a.
- The interest rate for Saving Pockets will be adjusted from 1.98% p.a. to 1.38% p.a.

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

Updated as of 7 July 2025

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With effect from 1 Aug 2025, the interest rate for GXS Biz Account will be adjusted from 1.88% p.a. to 1.68% p.a..

Insured up to S$100K by SDIC. T&Cs apply.
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Updated as of 1 July 2025

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With immediate effect from 30 June 2025, Section B (Savings Account) of the Deposit Account Terms will be revised as follows:

The GXS Savings Account will come with a new Money Lock feature which enables restriction of access to funds in Saving Pockets. The Money Lock feature will be rolled out progressively to customers.

Here are the new terms:

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

Updated as of 30 June 2025.

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