A tailor-made suite of financial products and services that meet the specific needs of expatriates in Singapore.
From multi-currency accounts, to credit cards and funds transfer, it’s everything you need to feel right at home straight away.
Have your salary credited directly, and also hold both SGD and up to 12 different foreign currencies — all in a single account. Multiply your returns when you bank with us and you could enjoy a higher interest rate of up to 2.68% p.a.
Better manage your exposure to foreign exchange fluctuations
Enjoy the convenience of the widest network in Singapore
Multiply your returns when you bank with us
Salary credit must be credited via GIRO, using transaction reference codes of SAL or PAY. This will be reflected as either GIRO Salary or Salary under the main transaction description in your Statement of Account.
Your monthly spend shall consist of retail and cash advance transactions posted within the 1st and last calendar day of the month.
Eligible transactions across main cards and supplementary cards are accorded to the main cardholder.
Monthly instalment(s) due on your home loan(s) with DBS/POSB will be recognised, with cash and CPF components included. Contact us if you're looking for a home loan, and our specialists will contact you shortly.
Purchase any of the following regular premium policies after you join the DBS Multiplier Programme: ManuProtect Term (Level & Convertible), ManuProtect Decreasing Lite, ManuProtect Decreasing, ManuEdu First, ManuRegular Payout, ManuRetire, ManuSmart Choice, ManuProtect MoneyBack, ManuProtect Life, ManuProtect Term (Renewable & Convertible), ManuFlexi Growth or RetireReady.
Monthly premium amount due on in-force policies past free-look/cancellation period will be recognised for the first 12 consecutive months.
Dividends must be credited via GIRO, from Central Depository Pte Ltd (CDP).
- Purchase a Unit Trust Lump Sum Investment after you join the DBS Multiplier Programme. The investment amount will be recognised after free-look/cancellation period.
- Purchase a Unit Trust Regular Savings Plan or POSB InvestSaver after you join the DBS Multiplier Programme. Monthly contribution amount will be recognised for the first 12 consecutive contributions per investment fund.
- The purchase(s) must be made in cash, not using funds from your Central Provident Fund or Supplementary Retirement Scheme account.
- Fully settled "BUY" equity trades purchased via Vickers Online Trading (VOiB), Vickers Pure Online, Vickers TR Link Cash Up Front or DBS Treasures Online Equity Trading platform will be recognised.
- For transactions via DBS Vickers online trading platforms, only the primary account holder will be accorded the transaction amount.
|Interest Rate (p.a.)2|
|Total monthly transactions1||SET 1|
If you transact in 2 categories or less
If you transact in 3 categories or more
|S$7,500 to < S$10,000||1.08%||1.68%|
|S$10,000 to < S$12,500||1.28%||1.88%|
|S$12,500 to < S$15,000||1.48%||2.08%|
|S$15,000 to < S$20,000||1.68%||2.28%|
|S$20,000 and above||2.08%||2.68%|
Joint account and chequeing facility are not available under this Programme. If you are looking either/both of these options, click here instead.
1 If your total monthly transactions amount is less than S$7,500, the S$ balances in your DBS Multiplier Account will be accorded the prevailing interest rate for that month.
2 Higher interest rates will only apply for the first S$50,000 balance in your Multiplier Account. Remaining S$ balance will be accorded the prevailing interest rate for that month. Higher interest will be credited in 2 parts:
(i) base interest at our prevailing interest rate, calculated on daily balances will be credited at month end, and
(ii) preferential interest at the preferential interest rate (which is the higher interest rate less the prevailing interest rate) based on the sum of your eligible transactions with us, calculated on daily balances, by the 7th working day of the following month.
3 Foreign currency transactions are subject to exchange rate fluctuations, which may result in capital gains or losses; such accounts may also be subject to exchange controls imposed on the currency held.
|DBS Altitude Visa Signature Card||DBS Altitude American Express® Card|
Enjoy 2 years annual fee waiver - exclusively for DBS Expatriate Programme customers!
For expats who have newly arrived in Singapore, no income documents^ are required!
|Miles Above the Rest|
|Exclusive jet-setter privileges|
|Free 10,000 bonus miles with Annual Fee upon renewal|
With a DBS credit card, you avoid foreign exchange conversion rates and fees, which you may incur when using your credit card from your home country in Singapore.
^A copy of your In-Principle Approval Letter & Passport is required. The Credit Card application is subject to the bank’s approval.
*To qualify for the DBS Altitude Visa Signature Card or DBS Altitude American Express® Card, you need to have a minimum gross annual income of S$45,000 and above. Terms and conditions apply. Visit here to find out more.
#Effective from 1 June 2016, the miles earn rate for online Flight and Hotel transactions is revised to 3 miles per S$1 spent (capped at S$5,000 per month).
American Express is a trademark of American Express. This card is issued by DBS Bank Ltd pursuant to a license from American Express.
Transfer funds swiftly and securely to many destinations, enabling you to stay connected back home
Enjoy S$0 transfer fee when you remit via Australia, China, Hong Kong, India, Indonesia, Malaysia, the Philippines or UK Remit.
Regular Overseas Funds Transfer
Regular Overseas Funds Transfer
Cable / telex charges
S$5 for debiting amount equal to or below S$5,000;
1/8% of S$ equivalent of remittance amount, subject to minimum of S$10 and maximum of S$120
Agent Bank Charges
Cancellation / Stop Payment
S$35 per transaction
S$30 per transaction
How to Transfer
If you have iBanking
Transfer funds in 2 easy steps:
1. Click on ‘Transfer - DBS Remit and Overseas Transfer'
2. Send money to your selected country
Not an iBanking customer?
|Your money is 100% safe with us.|
Enjoy automatic coverage under our Money Safe Guarantee.
^ For same-day transfers. Applicable to working days only (Mon – Fri, excluding Public Holidays). Same-day transfers are subject to possible delays in clearing of transactions by correspondent banks. Refer to here for cut-off times
Enjoy these benefits when you sign up for DBS Expatriate Programme and opt-in to receive DBS marketing materials!
Important information on the DBS Expatriate Programme: