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DBS Multi-Currency Account
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.
Exchange money online 24/7
Store and convert up to 12 currencies in your MCA (including the Singapore Dollar), anytime, anywhere. Click here for the full list of currencies and interest rates.
Lock in your preferred FX rates
Set alerts for preferred exchange rates easily in Travel Mode beta on digibank and instantly exchange money in your MCA to lock in the best rates. Click here for our online conversion rates.
Shop and spend like a local with your DBS Visa Debit Card
Link your DBS Visa Debit Card to your MCA and enjoy zero FX fees when you spend in foreign currency overseas or online.
|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!|
Features and benefits
Wherever you go, MCA lets you enjoy the convenience of 24/7 currency conversion and cashless spending in most major currencies. Shop with your MCA-linked DBS Visa Debit card and avoid FX charges.
It also allows you to withdraw foreign currency cash at global ATMs using your MCA funds. Overseas ATM charges may apply.
Avoid bill shocks and unwanted fees. Shop online with your MCA and DBS Visa Debit Card to enjoy peace of mind!
Your savings when shopping in foreign currency with your MCA and linked DBS Visa Debit Card:
Transfer your MCA funds to your loved ones whenever you need to at zero or lower fees. Find out more about DBS Remit.
Quicker, easier, smarter with digibank
Change money online 24/7
Your MCA has wallets for different currencies. When you exchange money via your MCA, you’re transferring money from one wallet to another.
- Step 1: Go to Pay & Transfer > Select your MCA.
- Step 2: From the MCA dropdown menu, select principal currency.
- Step 3: In the Payee Field, select the foreign currency to convert the principal to.
Lock in preferred FX rate
Set FX alerts on digibank to be notified when currencies are trading at your preferred rate, so you can convert currencies on digibank instantly.
- Step 1: Go to More > Transfer settings > Check Rates and Alerts.
- Step 2: Select the principal and converted currency.
- Step 3: Enter the amount to convert, hit calculate, then add FX Rate Alert.
Cashless transactions, anytime, anywhere
Link your DBS Visa Debit Card to your MCA to make purchases in foreign currencies, and withdraw money overseas without incurring FX conversion fees.
- Step 1: Go to More > Change Card Linkages.
- Step 2: Select DBS Visa Debit Card.
- Step 3: Select your MCA as the primary account from the dropdown menu.
Open your first account with us
If this is your first account with us, open online now and there will be no minimum average daily balance required.
eMulti-Currency Autosave (eMCA)
eMulti-Currency Autosave Plus
Multi-Currency Autosave Plus
For new DBS customers, please prepare the following required documents prior to your application.
Take the next step
Have an MCA, but not a DBS Visa Debit Card?
Have both the MCA and DBS Visa Debit Card?
Still using a DBS Autosave Account?
Sign up for one to make the most of your MCA.
Link them online today and start spending like a local.
Upgrade to a DBS eMulti-Currency Autosave Plus account.
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
(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
Will my foreign currency funds be debited automatically when I spend using my linked DBS Visa Debit Card?
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.
What should I select on the overseas ATM for foreign currency cash withdrawals using my MCA-linked DBS Visa Debit Card?
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.