At a Glance

If you shop online, spend abroad or invest in overseas or local markets, the DBS Multi-Currency Account (MCA) is perfect for you. It has 12 foreign currencies and the Singapore Dollar in one account. Giving you access to buy any currency when the rates are favourable, so you can keep it for shopping, investments or for overseas payments later.

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DBS Multi-Currency Account was voted the best multi-currency account by Tripzilla. Maximise your multi-currency wallets when you pair it with the ultimate trip card, DBS Visa Debit Card, today!

Benefits & Features

Enjoy full control and access to 12 foreign currencies and the Singapore Dollar online, anytime and anywhere. When the rates are favourable to you, buy it, lock-in the FX rate, and save the funds for later shopping, investments, overseas transfers or payments. Easy. Click here for our online conversion rates.

Let us do the rate watching for you. Just set your ideal currency and preferred rate on digibank and we’ll send you a notification as soon as your ideal FX rate hits.

Say goodbye to queuing at money changers, searching for the best exchange rates, worrying about FX charges when you shop online or overseas, and hello to more quality time and money saved.

Same-day transfers at zero or lower fees when you remit MCA funds online to countries such as Australia, China, Canada, Eurozone countries, Hong Kong, UK, USA and more. Learn more about DBS Remit here.

Link your DBS Visa Debit Card to your MCA for a safer and more convenient way to pay for items or withdraw cash at overseas ATM when you travel. That’s what we call peace of mind. Overseas ATM charges may apply.

Invest in foreign currency financial products (e.g. Unit Trusts) directly with your MCA funds. For local and overseas share purchases, you can do it seamlessly with the MCA and a DBS Vickers Account. That’s all it takes to perform foreign currency trades in up to 7 overseas markets. Learn more about DBS Vickers here.

Spending in Foreign Currency Made Easy in 3 Simple Steps

  1. Start by opening a Multi-Currency Account (MCA).

    It’s what gives you access to 12 foreign currencies and the Singapore dollar. Click here for the full list of currencies and interest rates.

  2. Buy and lock in your preferred rates.

    Choose the currency you would like to exchange and perform a funds transfer to lock in the rate in the MCA. You can also set and receive FX rate alerts on digibank. Once your preferred rate is met, simply log in to digibank and transfer your desired amount from your SGD funds into the MCA. It’s that simple.

  3. Link your DBS Visa Debit Card with your MCA.

    Link your DBS Visa Debit Card to enjoy direct foreign currency payments in up to 11 foreign currencies* in the MCA and enjoy no FX conversion fees when you shop online or travel with the DBS Visa Debit Card. Click here for the FAQs.

* Renminbi Offshore (CNH) is not available for this card payment feature.

Setting up your Multi Currency Account

Funding your MCA

Set up FX alert


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If this is your first account with us, open online now and there will be no minimum average daily balance required.



Cheque Facilities


My Account


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eMulti-Currency Autosave (eMCA)


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eMulti-Currency Autosave Plus

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Multi-Currency Autosave Plus


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Multiplier Account


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For new DBS customers, please prepare the following required documents prior to your application.

Have an MCA, but not the DBS Visa Debit Card?

Sign up now and select your MCA as the primary account during application to enjoy all benefits.

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Have both MCA and the DBS Visa Debit Card?

Link your DBS Visa Debit Card to your MCA today. Just click on the "Change Card Linkage" function on digibank.

Link now

Have a DBS Autosave Account?

Convert it easily to a DBS eMulti-Currency Autosave Plus - and keep your account number and services of DBS Autosave. Log in to digibank now and click "Request" on top right navigation > "Other Services" > Request for DBS Autosave Conversion. Confirm your account details and hit submit.

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Eligibility & Requirements

Applicants must at least be 18 years of age (except My Account).
No initial deposit is required.


Fees & Charges

  My Account DBS Multiplier Account eMulti-Currency Autosave (eMCA) eMulti-Currency Autosave Plus (eMCA+) Multi-Currency Autosave Plus(MCA+)

Monthly Account Fee

N.A S$2 S$4

Fall-below fee*

N.A S$5.00
(Waived up till 29 years old)
(Waived up till 29 years old)

Cheque Book Charges

N.A The first SGD cheque book on account opening is free. Thereafter, it is S$10 per additional cheque book (50 leaves).

Please refer to the Deposits Guide for the list of applicable fees.

*If the average daily balance falls below S$3,000, based on total SGD equivalent of SGD and foreign currency balances


Frequently Asked Questions

Yes. If your MCA is linked as the primary account to your DBS Visa Debit Card, foreign currency purchases made online and overseas will automatically be debited from your respective MCA foreign currency funds at no foreign exchange conversion fees. This applies to overseas ATM withdrawals as well.

There are 11 available foreign currencies: Australia Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Norwegian Kroner, Sterling Pound, Swedish Kroner, Thai Baht and US Dollar.

Renminbi Offshore (CNH) is not available.

Generally, overseas ATM withdrawals will be automatically deducted from your primary account. However, if prompted, please select "Checking/Current Account" to withdraw foreign currency cash overseas from your MCA using your linked DBS Visa Debit Card.

Please ensure you have sufficient foreign currency funds in your MCA prior to withdrawal. Otherwise, the foreign currency cash withdrawal will be deducted from your SGD wallet.

Yes. The DBS Multiplier and My Account are Multi-Currency Accounts. They can be linked to a DBS Visa Debit Card or a DBS Vickers Online Account to enable you to transact directly in foreign currency at no conversion fees for your shopping and equity investment needs respectively.

Click here for the full FAQ list.

- 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.
– Fall-below fee is waived for eMulti-Currency Autosave (eMCA) account holder up to 29 years old.
– Please note that in some cases, depending on how the merchant processes your transaction, your transaction may be billed to you in another foreign currency other than the local currency.

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Conversions between currencies involve fluctuations and are subject to exchange controls. If you are converting from another currency to place the deposit and intend to convert it to the original currency, exchange rate fluctuations could cause the converted amount to be less than your original amount.

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