The business partneryou can count on
The business partner you can count on
Digital bank for SMEs. Daily interest on business accounts.
Fast business loans up to S$1M.
Scheduled maintenance
Singpass is currently undergoing maintenance till 1100 hrs 16th August.
Please come back after 1100 hrs 16th August to sign up.
Daily interest on deposits. Competitive loan rates.
No Fees.
Now serving SMEs in Singapore



Singapore’s digital bank for SMEs.
Bank anytime, anywhere.
Your time is money. Check in on your business finances whenever you need. No branches, no queues.
Daily interest in your business account.
Fast business loans up to S$1M.

Add a little Huat to your 2025 CNY
Start the year right with GXS Business Banking. Earn up to 2.68% p.a interest with GXS Biz Account¹, and get access to flexible financing with GXS FlexiLoan Biz, a low-interest standby credit line² that also comes with the GXS Biz Account.
Up to S$588 cashback could also be yours when you boost your business finances with GXS Business Banking.
Here's how:
Step 1: Download the GXS Bank app and sign up for a GXS Biz Account or GXS Flexiloan Biz in minutes.
Step 2: Make a deposit or draw a loan between 20 Jan and 28 Feb 2025.^
Deposit min. $10,000
Borrow min. $8,000
Borrow min. $18,000
Borrow min. $28,000
S$88
S$188
S$388
S$588
Step 3: Receive your cashback directly in your GXS Biz Account by 30 June 2025.
GXS Biz Account
Daily interest business account
Get 1.68% p.a. daily interest. No fees, no minimum balance, no paperwork. Instant account opening.

GXS FlexiLoan Biz
Instant, flexible capital loan
Customize the loan you need, at low rates from 4.99% p.a. (EIR 9.32% p.a.). No fees, no early repayment charges.

The best of Grab & Singtel
Special privileges for Grab Merchant partners and Singtel customers.
Hear it from the GXS Family
Real voices, real vibes—here’s how our customers are winning with GXS.
All on an app.
Bank anytime, anywhere.
Your time is money. Check in on your business finances whenever you need. No branches, no queues.
DY?
Sign up in under 4 minutes. No paper work, no branches.
GXS Business Banking consists of products and services provided by GXS Bank and GXS Capital. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore. GXS Capital operates under the legal entity Validus Capital Pte. Ltd. (a wholly-owned subsidiary of GXS Bank), which holds a Capital Markets Services license for dealing in Capital Markets Products which are securities, issued by the Monetary Authority of Singapore. GXS Bank and GXS Capital are separate entities and are not associated with the businesses of Grab, Singtel, or their entities.
Approval of your application for GXS Business Banking products and services is subject to the receipt of all supporting documents, review, and processing time. GXS Bank and GXS Capital reserve the right to approve or reject applications without providing reasons. Late interest charges may apply for late repayment. Loans are subject to periodic review and may be cancelled at the discretion of GXS Bank and/or GXS Capital.
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Full Terms and conditions apply, please visit:
Business Account Terms here.
GXS FlexiLoan Biz Terms here.
Biz Ecosystem Terms - Grab here.
Biz Ecosystem Terms - Singtel here.
Terms and conditions governing GXS Business Banking Campaign here.
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