Convert with clarity
Convert up to ten supported currencies in UBGROUPSG Pulse with 0% FX fees and no additional mark-up on the displayed rate.
UBGROUPSG FX+ Account
Boost your USD savings
3.50% p.a.Earn promotional interest when eligible fresh USD funds are deposited and maintained in UBGROUPSG FX+. Registration and qualifying conditions apply.
At a glance
A smarter way to manage FX
UBGROUPSG FX+ is a multi-currency account for growing, converting and spending foreign currencies—whether you invest globally, manage overseas expenses or travel.
Manage everything together
Hold currencies, earn eligible interest, invest globally and pay overseas without maintaining separate travel wallets.
Spend worldwide
Use the FX+ Debit Card directly against available FX+ balances at 0% FX fees without topping up another wallet.
Spending in China
CNH cannot be used directly for point-of-sale, online or ATM transactions. An FX+ Debit Card can be added to Alipay or WeChat Pay; those payments are debited from the linked Singapore-dollar account and converted at the prevailing rate without FX fees.
One account, broader possibilities
Why FX+ is different
| Feature | Travel wallets | Traditional foreign-currency accounts | UBGROUPSG FX+ |
|---|---|---|---|
| Earn interest on selected FX balances | Not typically | Limited or tiered | Available on four currencies |
| Competitive base interest | Not applicable | Varies | Featured base rates |
| FX mark-up | May be embedded | Fees may apply | No additional mark-up |
| Invest using foreign currency | No | Available | Available |
| Worldwide debit-card spending | Available | Varies | 0% FX fees from supported balances |
Built for different FX needs
Earn more, pay less and manage in one place
Invest
Invest globally
Use held foreign-currency balances for eligible investments and reduce repeated currency conversion.
Convert
Convert currencies in advance
Convert supported currencies around the clock in UBGROUPSG Pulse at the displayed rate.
Earn
Interest on selected balances
Earn applicable base interest on eligible USD, AUD, NZD and CNH balances.
Withdraw
Withdraw cash for less overseas
Withdraw free at more than 1,000 UBGROUPSG ATMs across ASEAN. Eligible customers can receive S$5 cashback on the first four non-UBGROUPSG overseas withdrawals per calendar year.
A standard 2.5% administration charge and S$5 flat fee may apply at overseas ATMs. The administration charge is waived when withdrawing from sufficient FX+ foreign-currency balances; other ATM operators may impose their own fees.
Account and card together
Spend FX with UBGROUPSG FX+ Debit Card
Extend the account to everyday and overseas spending with no top-ups or app-to-wallet transfers.
UBGROUPSG FX+ Account
Manage supported foreign currencies for investments, overseas expenses and travel while receiving applicable interest on selected balances.
UBGROUPSG FX+ Debit Card
Spend worldwide from available foreign-currency balances with 0% FX fees and access eligible travel privileges.
Promotions and privileges
Featured FX+ offers
Earn 3.50% p.a. on eligible USD funds
Register and deposit US$2,000 to US$100,000 in qualifying fresh USD funds to receive the promotional rate for up to three months. The promotion is stated to end on 31 July 2026.
Complimentary airport lounge access for two
Eligible customers among the first 30 weekly applicants who complete at least five card purchases by the required date may qualify. The promotion is stated to end on 30 September 2026.
Application process
Setting up UBGROUPSG FX+
Provide your details
Complete the application using eligible bank details, Myinfo with Singpass, or an existing UBGROUPSG card and PIN.
Link an SGD account
Select the preferred eligible Singapore-dollar account to connect with FX+.
Submit and start using FX+
After approval, supported balances and card spending can be managed through UBGROUPSG Pulse.
Eligibility and fees
Requirements
Singapore citizens and permanent residents
- Minimum age: 18
- Apply using Myinfo with Singpass, Personal Internet Banking, or eligible card details
- Available for eligible new and existing UBGROUPSG customers
Foreigners and U.S. persons
- Apply at a UBGROUPSG branch
- Physical passport with at least six months’ validity
- Proof of residential address
- Applicable Employment, S or Dependant Pass
- Original documents are required
Debit-card fees
- S$18.34 annual fee, with the first three years waived
- Subsequent annual fee may be waived with 12 Mastercard transactions per year
- S$20 card-replacement fee
- No FX+ minimum balance or fall-below fee
Frequently asked questions
UBGROUPSG FX+ Account FAQs
What is UBGROUPSG FX+?
A multi-currency savings account for holding, converting and spending supported foreign currencies through UBGROUPSG Pulse and the FX+ Debit Card.
Which currencies are supported?
USD, EUR, GBP, AUD, NZD, CAD, CHF, HKD, JPY and CNH.
Does the account earn interest?
Applicable base interest of up to 0.02% p.a. is available on selected USD, AUD, NZD and CNH balances, subject to current terms.
Are there minimum balances?
No. FX+ has no minimum balance and no fall-below fee.
How is currency conversion managed?
Supported currencies can be converted in UBGROUPSG Pulse around the clock, with rate alerts and eligible auto-conversion features.
Can foreign currency be withdrawn overseas?
Yes, for supported currencies at compatible ATMs. CNH cash withdrawals are not supported.
How is the account managed?
Balances, conversions, rate alerts and spending activity are managed through UBGROUPSG Pulse.
Important notices
FX fees refer to administrative fees on foreign-currency transactions. Worldwide acceptance depends on participating Mastercard merchants. Overseas ATM fees and operator charges may apply. Eligible Singapore-dollar deposits are insured by SDIC up to S$100,000 in aggregate per depositor per scheme member.
Information about investments is general and does not constitute accounting, legal, tax, financial or investment advice. Product features, rates, promotions and eligibility may change, and customers should consider the applicable terms and obtain professional advice where needed.