GXS Bank review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
GXS Bank is a digital bank owned by Grab and Singtel that brings cards, savings accounts, loans and investing together in mobile apps. For people who manage daily spending and savings on a phone, it keeps everyday accounts and borrowing within one app based service.
Key facts
- Best for
- Everyday app banking with cards and savings
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Legal entity
- GXS Bank Pte. Ltd. (Source, checked September 26, 2026)
- Headquarters
- Singapore (Source, checked September 26, 2026)
- Founded
- 2020 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- gxs.com.sg
Debit cards
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- GXS Bank Pte. Ltd. (Source, checked September 26, 2026)
- Headquarters
- Singapore (Source, checked September 26, 2026)
- Founded
- 2020 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Travel
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Connects to Grab and Singtel apps for familiar mobile access
- Offers debit cards and credit cards beside savings accounts
- Includes savings pockets and investing alongside flexible borrowing
- Operates as an app based bank for daily money management
Cons
- Works as a digital bank without physical branches for visits
- Keeps services tied to mobile apps rather than other channels
Who it suits
- Commuters who pay for trains and buses by card
- People who manage spending and saving by phone
- Borrowers who keep loans beside everyday accounts
Who should look elsewhere
- People who prefer face to face branch service
Safety and regulation
GXS Bank describes its use of technology as a way to provide practical banking tools while keeping accounts protected. Everyday banking takes place inside mobile apps, so access depends on your phone and the usual checks that guard mobile use. Standard terms and conditions apply to accounts, cards and other services, and you agree to those conditions when you use them. Deposits carry protection through SDIC, and related notices identify the Monetary Authority of Singapore as the authority that reviews such material in that market.
How GXS Bank compares
Where GXS Bank is available
- Available
- Singapore
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of bank is GXS Bank?+
GXS Bank is a digital bank that works through mobile apps without physical branches. You can open its own app to manage accounts and cards, and you can also reach services through the apps of Grab and Singtel. The range covers everyday spending alongside savings accounts, loans and investing.
What cards does GXS Bank offer?+
GXS Bank provides a debit card and a credit card for everyday spending. You can use them for daily purchases and for rides on public transport such as MRT and bus services. The cards sit beside savings accounts and other banking tools in the same mobile range.
What can you do beside using cards?+
You can hold savings accounts that include pocket style options for setting funds aside. You can also use the investing service for longer term goals and apply for flexible loans for larger needs. These options live beside cards so daily spending and future plans stay in one app.
Who owns and runs GXS Bank?+
GXS Bank is owned by Grab and Singtel. It operates as a digital bank through its own mobile app and through access points inside the apps of those owners. That structure keeps everyday cards, accounts, loans and investing linked to two familiar mobile services.
What currency conversion fee does GXS Bank charge?+
The currency conversion fee at GXS Bank is 0%. (Source, checked September 26, 2026)
Which company operates GXS Bank?+
GXS Bank is operated by GXS Bank Pte. Ltd.. (Source, checked September 26, 2026)
Where is GXS Bank based?+
GXS Bank is based in Singapore. (Source, checked September 26, 2026)
When was GXS Bank founded?+
GXS Bank was founded in 2020. (Source, checked September 26, 2026)
How can I contact GXS Bank support?+
GXS Bank offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- gxs.com.sg checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Registration: 202005626H”
- help.gxs.com.sg checked September 26, 2026
Backs: Support channels
“How can we help - GXS Help Centre”
- gxs.com.sg/debit-card checked September 26, 2026
Backs: Card type, Features, Currency conversion fee, Card network
“Say hello to the GXS Debit Card”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Rewards type.