Nov 2026 · Refer for Rewards + First Boost, both to 31 Dec
Get up to S$28 cashback when you open a GXS Savings Account.
Enter referral code CHRI688 when you apply. S$8 bonus cashback for a S$500 first deposit, plus S$20 for a S$5,000 First Boost pocket. GXS has extended First Boost to 31 Dec 2026.
Referral code
CHRI688
Enter it during sign-up — it cannot be added later
S$8 bonus and S$20 First Boost both run to 31 Dec 2026. First-come-first-served, with monthly caps.
💸
S$8
Bonus cashback S$500 first deposit
🚀
S$20
First Boost cashback S$5,000 for 3 months
📈
2.82%
p.a. effective rate on S$5,000 First Boost
GXS Bank referral code CHRI688 — November 2026 rewards at a glance: S$8 bonus cashback, S$20 First Boost cashback and the steps to claim both by 31 Dec 2026.
Step by step
How to open your account and claim the cashback
Done in the GXS Bank app. Allow a few minutes for the account and one transfer from another bank.
1
Download the GXS Bank app
Available on the App Store and Google Play. GXS Bank is a licensed digital bank, co-owned by Grab and Singtel and regulated by MAS.
2
Open a GXS Savings Account and enter the code
When the app asks for a referral code, enter it. The code must be entered while you apply — it cannot be added after the account is open.
CHRI688
3
Deposit at least S$500 in fresh funds, in one transfer
Make the deposit from another bank in the same calendar month you open the account. This unlocks the S$8 bonus cashback.
✅A single S$5,000 transfer from another bank covers this step and the S$5,000 for step 4.
4
Open a 3-month Boost Pocket named First Boost
Within 30 days of opening your account (accounts opened by 31 Dec 2026), create a new 3-month Boost Pocket named First Boost (or FIRST BOOST) and put in at least S$5,000 of fresh funds. A renamed old pocket does not count.
5
Hold to maturity and keep the account open
Keep the pocket until it matures, keep your total balance at or above the level on the day you opened it, and keep the account active. Cashback is credited to your account on the dates in the rewards section below.
⚠️Closing the Boost Pocket early, or closing your GXS Savings Account before the cashback is credited, forfeits the cashback.
Your rewards
Two cashback campaigns for a new account
They run under separate GXS terms, each with its own deposit, deadline and cap. Only what you receive as a new customer is shown here.
Refer for Rewards · Q4 2026
S$8
Bonus cashback for opening your first GXS Savings Account with code CHRI688 and depositing S$500 of fresh funds.
Account opened with CHRI688 between 1 Oct and 31 Dec 2026
Min. S$500 fresh funds in one transaction, in the same calendar month
Credited by the end of the calendar month after you complete the deposit
Limited to the first 5,000 successful referrals per calendar month
First Boost · extended to 31 Dec 2026
S$20
Cashback for putting S$5,000 of fresh funds into a new 3-month Boost Pocket named First Boost.
New-to-GXS Savings Account customer; pocket opened within 30 days of account opening
Min. S$5,000 fresh funds, held to maturity
Opened in Nov 2026 → credited on or before 31 Mar 2027; opened in Dec 2026 → on or before 30 Apr 2027
Limited to the first 1,000 successful customers per calendar month
2.82% p.a.
Effective interest rate GXS quotes for a S$5,000, 3-month First Boost placement. It annualises the S$20 cashback and adds the prevailing 1.22% p.a. Boost Pocket rate (0.88% base interest plus 0.34% bonus interest). Keep your total GXS balance at or above its level on the day you open First Boost until it matures. First Boost T&Cs ↗
ℹ️Fresh funds means money that comes from outside your GXS Savings Account. Transfers between your own Main Account, Saving Pockets and Boost Pockets do not count.
November 2026 rates
Boost Pocket rates: up to 2.00% p.a. for 18 months
After First Boost matures, Boost Pockets are GXS's fixed-rate savings option. Each pays 0.88% p.a. base interest daily, plus bonus interest paid at maturity. Up to 8 Boost Pockets per account.
Boost Pocket total rate
Up to 2.00% p.a.
1 month1.01% p.a. (0.88% + 0.13%)
3 months1.22% p.a. (0.88% + 0.34%)
4 months1.40% p.a. (0.88% + 0.52%)
8 months1.70% p.a. (0.88% + 0.82%)
12 months1.75% p.a. (0.88% + 0.87%)
18 months2.00% p.a. (0.88% + 1.12%)
Everyday balances
0.88% p.a.
Main Account0.88% p.a., credited daily
Saving PocketsShown by GXS as a limited-time promo rate. Check the app
Deposit insuranceSDIC, up to S$100,000
ℹ️Bonus interest is paid only if you hold the Boost Pocket to maturity. Rates are from GXS's Savings Account page in early November 2026 and can change; the rate is fixed once you open a pocket. GXS's October Save and Invest offer (up to 3.2% p.a.) ended on 30 Oct 2026.
One code, four products
What you can sign up for with CHRI688
The referral code can be entered when you sign up for any of these GXS Bank products. The S$8 bonus cashback applies to the Savings Account only.
🏦
GXS Savings Account
Daily interest, insured up to S$100K by SDIC. Boost Pockets lock in higher fixed rates for 1 to 18 months, up to 2.0% p.a.
💳
GXS Debit Card
Unlimited instant cashback on eligible transactions of min. S$10. No foreign transaction fees. Issued to Savings Account holders.
💵
GXS FlexiLoan
Quick, flexible cash at low interest rates, from 2.99% p.a. (EIR 5.65% p.a.) on GXS's page, over 2 to 60 months. Singapore Citizens and PRs aged 21 to 65 with at least S$20,000 annual income, subject to credit assessment.
🧾
GXS FlexiCard
No interest, no minimum income requirement, and instant cashback (up to S$3) on eligible transactions of min. S$10. A S$500 credit limit; a S$5 Flexi fee applies in months you pay only the minimum, and the S$54.50 annual fee is waived for the first year. Singapore Citizens and PRs aged 21 to 55.
ℹ️GXS's Q4 2026 referral terms name the GXS Savings Account as the only eligible product for the S$8 bonus cashback. No referral cashback is published for the Debit Card, FlexiLoan or FlexiCard, so check the app for any offer before you apply.
💡New in November: GXS Credit Card year-end offer. New GXS Credit Card customers who apply, are approved and spend at least S$500 between 3 Nov and 31 Dec 2026 get 12% cashback on non-Grab spend, capped at S$120, credited by 28 Feb 2027. It needs S$30,000 annual income, and you can hold the GXS Credit Card or the FlexiCard, not both. GXS Credit Card ↗
🧾FlexiCard bill rebate: 20% back on Singtel and GOMO bills of min. S$10 paid with the FlexiCard, capped at S$5 a month, until 31 Dec 2026.
Eligibility
Who qualifies as a new customer
GXS decides eligibility at its sole discretion. These are the main conditions from its campaign terms.
You qualify if
You are opening your first GXS Savings Account
You enter CHRI688 while applying, within the campaign dates
You bring in fresh funds from another bank
Your account stays active and in good standing until the cashback is credited
You may already hold another GXS product, such as a card or loan, but no Savings Account (for the S$8 bonus)
You don't qualify if
You held and closed a GXS Savings Account before
You closed a GXS Savings Account in the last 6 months
You already have a GXS Savings Account
Your deposit is moved between your own GXS pockets, which is not fresh funds
You did not enter the code while applying (S$8 bonus)
The monthly slots (5,000 for the S$8 bonus, 1,000 for First Boost) are used up
✦ Fully funded by DLCuration
Win even more — the DLCuration Bonus Draw
Signed up with code CHRI688? You are eligible for our separate monthly and annual voucher giveaway. It takes one email.
Monthly draw
S$5
in e-vouchers or gift cards
One winner is drawn each calendar month from all verified sign-ups that month. Winning the monthly draw keeps you in the annual draw.
Amazon Gift CardNTUC FairPriceSheng SiongCapitaLand Mall
Annual grand draw
S$50
in e-vouchers or gift cards
All verified sign-ups from January to December are entered. The grand draw concludes on 31 Dec at 23:59 SGT each year.
Amazon Gift CardNTUC FairPriceSheng SiongCapitaLand Mall
How to enter
1
Sign up with referral code CHRI688
Complete your GXS Savings Account sign-up using CHRI688.
2
Email DLCuration
Send the last 4 digits of your phone number and your sign-up date, using this subject line:
To: dlcuration@gmail.com
Subject: GXS Referral Sign Up - [last 4 digits of phone] - [DD/MM/YYYY]
e.g. GXS Referral Sign Up - [8848] - 12/10/2026
3
You are entered into both draws
Once your sign-up is verified you are in that month's monthly draw and the annual grand draw.
4
Winners are contacted by email
Monthly draws conclude at 23:59 on the last day of each month. DLCuration emails the winner to confirm the choice of voucher.
Draw terms: Monthly draw runs from 00:00 on the first day to 23:59 on the last day of each calendar month. The annual grand draw concludes on 31 Dec at 23:59 SGT. One entry per sign-up. Winners are selected randomly from verified entries, and DLCuration may verify a sign-up before confirming a prize. This is a separate campaign funded by DLCuration and is not affiliated with or endorsed by GXS Bank Pte. Ltd.
FAQ
GXS Bank referral code questions
Everything to check before you deposit.
Opening your first GXS Savings Account with CHRI688 earns S$8 bonus cashback once you deposit at least S$500 of fresh funds in one transaction in the same calendar month. GXS's separate First Boost campaign, now extended to 31 December 2026, pays S$20 cashback for a S$5,000 deposit held in a 3-month Boost Pocket. Together that is up to S$28 cashback. Each campaign has its own conditions, deadlines and monthly caps.
You must be opening your first GXS Savings Account. You cannot qualify for the S$8 bonus cashback or First Boost if you held and closed a GXS Savings Account before, and the S$8 bonus also requires that you have not closed one in the last six months. Existing GXS customers who hold other products, such as a card or loan, but no Savings Account can still qualify for the S$8 bonus. First Boost is open to customers who are new to the GXS Savings Account and open it between 14 April and 31 December 2026.
The S$8 bonus cashback is only awarded when the account is opened using the referral code, so enter CHRI688 in the referral field during the application. The code cannot be added after the account is opened. First Boost is a separate campaign whose terms do not mention a referral code, so it can still apply if you meet its own conditions.
S$8 bonus cashback: credited to your GXS Savings Account by the end of the calendar month after you complete the S$500 deposit. S$20 First Boost: credited to your Main Account on or before 31 March 2027 if you open First Boost in November 2026, or on or before 30 April 2027 if you open it in December 2026. A cashback is forfeited if your GXS Savings Account is closed before it is credited, or if you do not hold the Boost Pocket to maturity. GXS can also recover cashback if it finds a condition was not met.
S$8 bonus cashback: account opened with the code between 1 October and 31 December 2026, limited to the first 5,000 successful referrals per calendar month. First Boost: account opened between 14 April and 31 December 2026, and pocket opened within 30 days of opening your account, limited to the first 1,000 successful customers per calendar month. Both are first-come-first-served, and GXS may change or end a campaign.
GXS's referral terms say eligible customers may also join other GXS Savings Account campaigns running at the same time, provided they meet those campaigns' own terms. The First Boost terms say the campaign is not valid with other offers unless otherwise stated, so confirm in the GXS app before you deposit. A single S$5,000 deposit from another bank can meet the S$500 condition for the S$8 bonus and the First Boost deposit amount at the same time.
GXS Bank Pte. Ltd. is a digital bank licensed and regulated by the Monetary Authority of Singapore. Singapore dollar deposits, including Boost Pockets, are insured by SDIC up to S$100,000 per depositor per Scheme member. GXS Invest funds and other investment products are not deposits and are not insured by SDIC.
The code can be entered when you sign up for the GXS Savings Account, Debit Card, FlexiLoan or FlexiCard. GXS's Q4 2026 referral terms, however, name the GXS Savings Account as the only eligible product for the S$8 bonus cashback, and no referral cashback is published for the other products. The GXS Debit Card is issued to Savings Account holders, so you get it through the account. Separately, new GXS Credit Card customers approved between 3 November and 31 December 2026 can earn 12% cashback on non-Grab spend, capped at S$120, after spending at least S$500. You can hold either the GXS Credit Card or the GXS FlexiCard, not both.
After signing up with referral code CHRI688, email dlcuration@gmail.com with the subject: GXS Referral Sign Up - [last 4 digits of your phone number] - [date of sign-up in DD/MM/YYYY]. For example: GXS Referral Sign Up - [8848] - 12/10/2026. You are then entered into both the monthly draw (S$5 in vouchers) and the annual grand draw (S$50 in vouchers). This is a separate campaign funded entirely by DLCuration and is not part of GXS Bank's programme.
Regulatory notice. GXS Bank Pte. Ltd. (UEN 202005626H) is a digital bank licensed and regulated by the Monetary Authority of Singapore. Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation (SDIC) 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.