How to Use the GXS Bank Referral Code CHRI688 in 2026: Step-by-Step Guide
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GXS Bank pays S$8 to anyone who opens their first GXS Savings Account with a referral code. That is the easy part.
The hard part is that the S$8 depends on two things happening in the right order — the code going in while you apply, and a S$500 deposit landing in the same calendar month. Miss either and the bonus quietly disappears. There is no “add code later” button and no appeal form.
In October 2026 there is also a second, bigger reward running alongside it: S$20 cashback for parking S$5,000 in a 3-month Boost Pocket named First Boost. Stack the two and a new account earns S$28 in cashback, on top of normal interest.
This guide walks through the exact sign-up sequence with referral code CHRI688, from download to cashback, including the deadlines, the fine print that catches people out and what to do if you already have a GXS account.
→ Get the GXS referral code and current reward table
Why Most People Get the GXS Referral Code Wrong
Most people treat a referral code as a box to tick. With GXS, the code is only half of the condition.
Here are the three mistakes I see most often:
- Entering the code after the account is open. GXS’s referral terms award the bonus only when the account is opened “using your Bank-issued referral code”. Once the application is submitted, the code cannot be added.
- Depositing too little, or in pieces. The S$500 must arrive as a single transaction. Five transfers of S$100 do not count.
- Moving money around inside GXS. Only fresh funds from outside your GXS Savings Account count. Shuffling money from your Main Account into a pocket is not a deposit as far as the campaign is concerned.
There is also a timing trap. The S$500 has to arrive in the same calendar month you open the account. Open the account on 30 October and fund it on 2 November, and you have missed it.
The principle the whole process is built on: code in during the application, fresh money in during the same month, and nothing closed until the cashback lands.
What You Need Before You Start
Set aside about 15 minutes for the sign-up and one bank transfer. Have these ready:
- The referral code: CHRI688. Copy it now so you can paste it when the app asks. The GXS referral code page has a one-tap copy button.
- Singpass with Myinfo. GXS fills in your details from Myinfo. Check that your residential address on Singpass is current before you start — GXS asks for this.
- Eligibility. GXS’s Help Centre lists the requirements: at least 16 years old, a residential address in Singapore, Singapore citizenship, PR or a valid pass (for example a Dependant’s Pass, Employment Pass or Work Permit), and a Singpass Myinfo account. You cannot hold an existing GXS Biz Account or GXS FlexiLoan Biz. US citizens are not accepted at the moment.
- Money in another bank. At least S$500 for the S$8 bonus, or S$5,000 if you also want the S$20 First Boost cashback.
- No previous GXS Savings Account. If you have held and closed one before, you are not eligible for either cashback. More on this below.
GXS Bank Pte. Ltd. is a digital bank licensed by the Monetary Authority of Singapore and backed by Grab and Singtel. Singapore dollar deposits are insured by SDIC up to S$100,000 per depositor.
The Full Process: Step by Step
Step 1 — Copy the Referral Code (1 minute)
Copy CHRI688 before you open the app. Typing a code from memory is how a “1” becomes an “I”.
What you end up with: the code ready to paste, so the application flow is not interrupted.
Step 2 — Download the GXS Bank App (2 minutes)
Download the GXS Bank app from the App Store or Google Play. Search for “GXS Bank” and check that the developer is GXS Bank — do not install lookalike apps.
→ Download GXS Bank from the official site
Open the app and tap Sign up now under GXS Savings Account.
What you end up with: the app installed and the Savings Account application open.
Step 3 — Enter CHRI688 When the App Asks for a Referral Code (1 minute)
Follow the in-app prompts. When you reach the referral code field, paste CHRI688.
Check it character by character before you continue: C-H-R-I-6-8-8. A wrong character means the account opens without a referral attached — and the S$8 bonus is gone for good.
What you end up with: your application tagged to the referral, which is the only way the S$8 bonus can be triggered.
Step 4 — Verify With Singpass Myinfo and Submit (5 to 10 minutes)
Log in with Singpass and let Myinfo fill in your name, NRIC or FIN, address and employment details. Review each field, complete any remaining questions and submit.
GXS gives no fixed timeframe — it says the account opens shortly after your details are reviewed and approved. If GXS needs more documents, it will ask by email or app notification.
What you end up with: an open GXS Savings Account with a Main Account, and the clock started on the same-month deposit rule.
Step 5 — Deposit At Least S$500 of Fresh Funds in One Transfer (5 minutes)
Transfer the money from another bank into your GXS Main Account. Two rules matter:
- One transaction of at least S$500. Not several smaller ones.
- In the same calendar month the account was opened. If you open the account late in the month, fund it the same day.
If you plan to do First Boost as well, send S$5,000 or more in one transfer. A single S$5,000 deposit from another bank meets the S$500 condition for the S$8 bonus and gives you the fresh funds for First Boost at the same time.
What you end up with: the S$8 bonus cashback condition met. GXS credits it by the end of the following calendar month.
Step 6 — Open a 3-Month Boost Pocket Named “First Boost” (2 minutes, by 31 October 2026)
This step is optional and earns the extra S$20. In the app, create a new 3-month Boost Pocket and name it exactly First Boost (or FIRST BOOST). Put at least S$5,000 of fresh funds into it.
The First Boost terms set four conditions:
- The pocket must be opened within 30 days of opening your GXS Savings Account and by 31 October 2026.
- It must be a new pocket. Renaming an existing pocket does not count.
- You must hold it to maturity — three months.
- During those three months, your total day-end balance across the Main Account, Saving Pockets and Boost Pockets must stay at or above the level on the day you opened First Boost.
GXS quotes an effective interest rate of 2.82% p.a. for a S$5,000, 3-month First Boost placement. That combines the S$20 cashback with the standard 1.22% p.a. 3-month Boost Pocket rate (0.88% base plus 0.34% bonus at maturity).
What you end up with: a second, separate S$20 cashback, credited to your Main Account on or before 28 February 2027 if you open First Boost in October.
Step 7 — Keep the Account Open Until Every Cashback Lands (no action)
Both campaigns require your account to stay active and in good standing until the cashback is credited. Closing the account — or breaking the First Boost pocket early — forfeits whatever has not been paid yet.
GXS can also take a cashback back from any of your accounts if it later finds a condition was not met.
What you end up with: S$8 by the end of the month after your deposit, and S$20 by 28 February 2027.
Step 8 — Enter the DLCuration Bonus Draw (1 minute, optional)
If you signed up with CHRI688, you can also enter DLCuration’s own voucher draw. Email dlcuration@gmail.com with the subject line:
GXS Referral Sign Up - [last 4 digits of your phone] - [DD/MM/YYYY]
Verified sign-ups go into that month’s S$5 voucher draw and the annual S$50 grand draw. This is funded by DLCuration, not GXS, and does not affect your GXS cashback.
What you end up with: two extra chances at a voucher, for one email.
The Full Time and Reward Breakdown
| Step | Task | Time Required | Reward Unlocked |
|---|---|---|---|
| 1–2 | Copy code, download app | 3 minutes | — |
| 3 | Enter CHRI688 at sign-up | 1 minute | Makes the S$8 possible |
| 4 | Singpass Myinfo and submit | 5–10 minutes | Account opened |
| 5 | Deposit S$500+ fresh funds in one transfer, same month | 5 minutes | S$8 bonus cashback |
| 6 | New 3-month “First Boost” pocket, S$5,000+ fresh funds | 2 minutes | S$20 cashback (to 31 Oct 2026) |
| 7 | Hold to maturity, keep the account open | 3 months | Cashback credited |
| Total | About 15 minutes of work | Up to S$28 cashback |
October 2026 GXS Offers at a Glance
Three GXS campaigns are open to a new customer this month. Each runs under its own terms, with its own deadline and cap.
| Offer | What You Do | Reward | Deadline | Cap |
|---|---|---|---|---|
| Refer for Rewards | Open first GXS Savings Account with CHRI688, deposit S$500+ in one transaction the same month | S$8 bonus cashback | Account opened by 31 Dec 2026 | First 5,000 successful referrals per month |
| First Boost | New 3-month Boost Pocket named First Boost, S$5,000+ fresh funds, held to maturity | S$20 cashback (2.82% p.a. effective) | Pocket opened by 31 Oct 2026, within 30 days of account opening | First 1,000 customers per month |
| Save and Invest | New 4-month Boost Pocket named Boost4 with S$5,000+ fresh funds, plus S$2,000+ (Tier 1) or S$10,000+ (Tier 2) in eligible GXS Invest funds | 3% p.a. (Tier 1) or 3.2% p.a. (Tier 2), capped at S$107 or S$300 | Both done by 30 Oct 2026 | One per customer, first-come-first-served |
Save and Invest is a different kind of offer. It needs a GXS Invest account, and the money in GXS Invest funds is an investment, not a deposit — it is not insured by SDIC and can lose value. You must also hold the investment, with no sell orders, until 28 February 2027. Eligible funds are GXS Invest Bond, Growth, Diversified and Gold; GXS Invest Cash Plus is excluded. Only do it if you would have invested that money anyway.
What the Referral Code Cannot Do
It cannot be added after you sign up. The S$8 is tied to the account being opened with the code. There is no way to attach one afterwards.
It does not pay anything on its own. The code plus a S$500 single fresh-funds deposit in the same month is what triggers the S$8. Open the account and leave it empty, and you get nothing.
It does not unlock First Boost. First Boost is a separate campaign. Its terms do not mention a referral code, so you qualify for it by meeting its own conditions — and you can miss it even if your referral is successful.
It does not apply to GXS’s other products. You can enter the code when you sign up for the GXS Debit Card, FlexiLoan or FlexiCard, but the October 2026 referral terms name the GXS Savings Account as the only eligible product for the S$8. The GXS Debit Card is issued to Savings Account holders anyway.
It is not guaranteed. The S$8 is capped at the first 5,000 successful referrals each calendar month, and First Boost at 1,000 customers a month. GXS can change or end either campaign.
Is GXS Bank Safe? What the Code Does Not Change
Using a referral code has no effect on how your money is protected. GXS Bank Pte. Ltd. is a digital bank licensed and regulated by the Monetary Authority of Singapore, and the bank is backed by Grab and Singtel.
Singapore dollar deposits in your Main Account, Saving Pockets and Boost Pockets are insured by SDIC up to S$100,000 per depositor per Scheme member. That limit is shared across all your deposits with GXS — it is not S$100,000 per pocket.
GXS Invest is different. Its funds are investment products, not deposits, so they are not covered by SDIC and their value can go down. That matters only if you take up the Save and Invest offer.
None of this is financial advice. Decide based on your own savings plan, not on a S$28 bonus.
Tips to Make Sure You Get the Full S$28
Send one transfer of S$5,000, not two. One S$5,000 deposit from another bank satisfies the S$500 single-transaction rule for the S$8 and gives you the fresh funds for First Boost. Two separate transfers work too, as long as one of them is at least S$500.
Open the account early in the month. The same-month deposit rule is the easiest one to break. Signing up on the 1st gives you a full month of slack; signing up on the 31st gives you hours.
Name the pocket exactly “First Boost”. Not “First boost savings” or “My First Boost”. GXS checks the name, and a renamed old pocket does not qualify.
Do not withdraw during the 3 months. The First Boost terms require your total GXS balance to stay at or above the level on the day you opened the pocket. Taking money out of your Main Account during that window can cost you the S$20, even if the pocket itself is untouched.
Screenshot the referral screen. A quick screenshot showing CHRI688 in the referral field is your evidence if the cashback does not appear and you need to contact GXS support.
Check the app before you deposit. GXS’s referral terms say you may join other Savings Account campaigns at the same time, while the First Boost and Save and Invest terms each say they are not valid with other offers unless stated. The safest move is to check the campaign details in the GXS app before you put the money in.
What If You Already Have a GXS Account?
It depends on which GXS product you hold.
- You already have a GXS Savings Account. You are not a new customer, so neither the S$8 bonus nor First Boost applies. You can share your own referral code instead — your referrer reward is listed in your GXS app.
- You had a GXS Savings Account and closed it. You are not eligible for either cashback, even on a new account.
- You hold another GXS product, such as a FlexiCard or FlexiLoan, but no Savings Account. You can still qualify for the S$8 bonus as long as you have not closed a GXS Savings Account in the last six months.
- You hold a GXS Biz Account or FlexiLoan Biz. GXS’s Help Centre says you cannot open a personal GXS Savings Account while holding one.
Frequently Asked Questions
How do I use the GXS referral code CHRI688?
Download the GXS Bank app, tap Sign up now under GXS Savings Account and enter CHRI688 when the app asks for a referral code. Complete Singpass Myinfo verification, then deposit at least S$500 of fresh funds in one transaction in the same calendar month. That triggers the S$8 bonus cashback, which GXS credits by the end of the following month.
Can I add a GXS referral code after opening my account?
No. GXS awards the S$8 bonus only when the account is opened using the referral code, and there is no option to attach one later. If you have already opened your account without a code, you cannot get the referral bonus, although you may still qualify for First Boost if you meet its own conditions.
How much can I get with the GXS referral code in October 2026?
Up to S$28 in cashback: S$8 for opening your first GXS Savings Account with CHRI688 and depositing S$500, plus S$20 from the separate First Boost campaign for putting S$5,000 into a new 3-month Boost Pocket by 31 October 2026. The October Save and Invest offer adds up to 3.2% p.a. on a 4-month pocket if you also invest through GXS Invest, but that involves investment risk.
When will I receive the GXS cashback?
The S$8 bonus is credited to your GXS Savings Account by the end of the calendar month after you complete the S$500 deposit. The S$20 First Boost cashback is credited to your Main Account on or before 28 February 2027 if you open First Boost in October 2026. Keep the account open until both arrive, because closing it forfeits any unpaid cashback.
Who is eligible to sign up for a GXS Savings Account?
You must be at least 16, have a residential address in Singapore and hold Singapore citizenship, PR or a valid pass such as an Employment Pass, Dependant’s Pass or Work Permit. You also need a Singpass Myinfo account. For the referral bonus, it must be your first GXS Savings Account, and you must not have closed one in the last six months.
Is it safe to use a GXS referral code?
Yes. A referral code only tags your application so GXS knows who referred you — it does not give anyone access to your account or change your account terms. Your deposits are protected in the same way as any other GXS customer’s, with SDIC insurance up to S$100,000 per depositor.
Can I use more than one referral code?
No. Each application takes one referral code, and the referee bonus is paid once per new GXS Savings Account. Pick one code before you start and enter it during the application.
Final Thoughts
The GXS referral code is one of the simpler sign-up bonuses in Singapore — no card spend, no salary credit, no lock-in on the S$8 itself. The whole thing comes down to order: code in during the application, S$500 in as a single transfer the same month, account kept open until the cashback lands.
If you have S$5,000 you were going to keep in savings anyway, First Boost turns the S$8 into S$28 for one extra pocket and three months of patience. Do it before 31 October 2026, while that offer is still running.
Start with the code. Everything else follows from getting that one step right.
→ Get referral code CHRI688 and the full GXS reward breakdown
Signed up already? Let me know in the comments whether you went for First Boost or just the S$8.
Continue reading:
- GXS Bank Referral Code CHRI688 — Full Cashback Breakdown
- Best Digital Banks in Singapore 2026: MariBank, GXS and Trust Bank Ranked
- How to Use a MariBank Referral Code
- How to Use a Trust Bank Referral Code
- All Singapore Referral Codes in One Place
Disclosure: this article contains my GXS Bank referral code. If you open a GXS Savings Account with it and meet the campaign conditions, GXS pays me a referral cashback, at no cost to you. DLCuration is independent and is not affiliated with or endorsed by GXS Bank. Information is based on GXS’s Refer for Rewards (Q4 2026), First Boost and October Save and Invest campaign terms and the GXS website, checked on 12 October 2026. Terms can change, so confirm in the GXS app before you deposit. This is not financial advice.
