GXS Bank Referral Code KELV938 – HUAT Savings Cashback & Flash Sale
A Digital Bank Owned By Grab and Singtel
🎉 GXS Savings Account HUAT & HUAT Flash Sale Campaign
GXS Bank is running a limited-time HUAT cashback campaign for its Savings Account.
- Earn S$12 cashback for every S$5,000 in fresh funds
- Up to S$192 cashback, capped at S$80,000 deposited
- Cashback applies to a new 3-month Boost Pocket named “HUAT”
- Includes selected Flash Sale Boost windows with enhanced returns
Campaign eligibility, fresh funds definition, and Flash Sale timing are subject to GXS’s prevailing terms and conditions.
Sign up with GXS Bank using the referral code: KELV938.
What you get:
- GXS Savings Account – Daily interest, SDIC-insured up to S$100,000
- GXS Debit Card – Instant cashback on eligible spend (minimum spend applies)
- GXS FlexiLoan – Flexible borrowing with transparent pricing
- GXS FlexiCard – No interest charges, no minimum income requirement
After signing up, you can also use your own referral code and earn S$8 for each eligible friend referred, subject to GXS’s referral terms.
Table of Contents
About GXS
Launched on 31 August 2022, GXS Bank is a MAS-licensed digital bank in Singapore offering daily-interest savings accounts, flexible credit products, and app-based banking with no minimum balance requirements.
It is a joint venture between Grab and Singtel, and focuses on underserved segments such as gig workers, freelancers, and small businesses through simple, digital-first banking solutions.
Key Advantages of GXS Bank
- Fully digital banking, with no physical branches
- Integration with Grab and GrabPay for convenience
- Data-driven personalisation for savings and credit products
- Flexible product design, without minimum balances or long commitments
Products
This guide focuses on selected GXS Bank products and promotions and does not represent an exhaustive list of all offerings.
GXS Savings Account — Daily Interest & Savings Pockets
Earn interest daily. Insured up to S$100,000 by SDIC.
The GXS Savings Account credits interest daily and allows users to organise funds into named savings pockets for different goals.
Key features:
- Daily interest crediting, instead of monthly
- No minimum balance requirement
- Savings Pockets for goal-based saving
- Boost Pockets with fixed tenures for higher promotional returns
- Seamless transfers between GXS and GrabPay
Interest rates, Boost Pocket availability, and campaign mechanics may change over time.
GXS FlexiCard — No-Interest Spending with Cashback
A no-interest card with no minimum income requirement.
The GXS FlexiCard is available as both a virtual and physical card.
Key features:
- No annual fees
- Flexible repayment options, including carrying balances with a flat monthly fee
- Real-time spending visibility via the GXS app
- Instant cashback on eligible transactions with a minimum spend
Cashback caps, eligible merchants, and fees are subject to prevailing terms.
GXS FlexiLoan — Flexible Cash Access
GXS FlexiLoan offers flexible borrowing options directly in the app, with transparent pricing and repayment structures.
Refer to the FlexiLoan article for full details.
GXS Invest — Cash Management Investment Option
As of July 2025, funds invested through GXS Invest are allocated to the Fullerton SGD Cash Fund – Share Class G, a money market fund managed by Fullerton Fund Management.
Key features:
- Invest from as little as S$1
- Withdraw anytime with no lock-in
- No transaction fees
- Complimentary group personal accident insurance, subject to terms
Who GXS May Be Suitable For
GXS may be suitable for individuals who:
- Prefer fully digital banking
- Have variable income, such as gig workers or freelancers
- Want daily-interest savings without minimum balances
- Actively use short-term campaigns and Boost Pockets
It may be less suitable for those seeking physical branches, or complex wealth products.
Auntiehuat
Web Administrator
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