There are dozens of ways to invest in Singapore, and that is half the problem. The choice can be so overwhelming that you end up doing nothing at all. GXS Invest is GXS Bank’s answer to that: one app where you can save and invest in the same place, with just five funds to choose from, starting from S$10. No platform or transaction fees, and no lock-in.
There’s also a launch promo running: invest new money between 18 May and 31 July 2026 and hold it to 31 August 2026, and you can earn up to S$300 cashback (capped at the first 5,000 customers). But the cashback isn’t really the point — the point is to finally start. Below I’ll cover who GXS Invest is for, how to read the risk, how to begin step by step, and the full promo terms.
One thing up front: GXS Invest is an investment product, not a savings account. Your capital is at risk and is not protected by the SDIC deposit insurance scheme. Full risk notes are at the end.
Why only five funds?
I asked the GXS team why Singapore needs yet another investing app. Their answer stuck with me: there are simply too many options out there, and too many of them are overwhelming. Most people don’t fail at investing because they picked the wrong fund. They fail because they never start — they open a brokerage, see hundreds of stocks and ETFs, freeze, and close the app.
So GXS did the opposite of more. They kept it to five funds, sitting inside the same app as your savings. The idea is to get you past that decision paralysis, start somewhere small, and build confidence from there. If what you want is one simple app to help you save and invest without needing a finance degree, that’s who GXS Invest is for.
It won’t suit everyone, and that’s fine. If you want to pick individual stocks, trade options, or build a complex portfolio, this isn’t that. Think of it as a starting point, not a final destination.
What is GXS Invest?
GXS Bank is the digital bank backed by Grab and Singtel, licensed and regulated by the Monetary Authority of Singapore (MAS). GXS Invest lets you buy into five ready-made funds from inside the GXS app, paying with money from your GXS Savings Account. The funds are run by two established managers, Fullerton Fund Management and LionGlobal Investors.
What makes it easy to start: you can invest from S$10, there’s no platform fee and no sales or transaction charge, and there’s no lock-in — you can sell whenever you like (though for the promo you’ll need to hold; more on that below). Here are the five funds, with the official fund name under each:
| Fund | What it holds | Risk (Chilli Rating) | Good for |
|---|---|---|---|
| Cash Plus Fullerton SGD Cash Fund (Class G) | SGD deposits and short-dated government bills | 1 of 5 | Parking idle cash you may need soon |
| Bond Fullerton Short Term Interest Rate C | Short-dated, higher-quality bonds | 2 of 5 | A small step up from cash |
| Diversified LionGlobal Dynamic Core Income Fund – SGD (Acc) | A mix of equities, bonds and gold in one fund | 3 of 5 | One-fund, spread-out exposure |
| Growth Fullerton Lux Funds Global Absolute Alpha A | Global stocks across tech, AI, healthcare and China | 4 of 5 | Long-term growth, if you can sit through swings |
| Gold LionGlobal Singapore Physical Gold Fund SGD-H (Acc) | Physical gold held in Singapore | 5 of 5 | A hedge or a diversifier |
How risky is each fund? The Chilli Rating, explained
Every fund here carries a Chilli Rating, from one chilli to five. It’s GXS’s simple way of showing volatility — and volatility just means how much the price bounces up and down along the way. A low-volatility fund moves in small, gentle steps. A high-volatility one can jump up or drop sharply in the short term, even if it grows over the long run. More chillies, bumpier ride.
| Chilli Rating | What to expect | Fund here |
|---|---|---|
| 1 of 5 | Minimal price movements; focuses on protecting your capital | Cash Plus |
| 2 of 5 | Aims for consistency, but can wobble in the short term | Bond |
| 3 of 5 | More noticeable ups and downs when markets move | Diversified |
| 4 of 5 | Higher growth potential, but expect big swings | Growth |
| 5 of 5 | Highly focused or tactical; the price can be very volatile | Gold |
Two things to keep in mind. A low rating does not mean no risk — you can still lose money. And a high rating does not promise higher returns — more bounce is not the same as more reward. The trick is to pick a chilli level you can sit through without panic-selling on a bad week.
Which fund makes sense for you?
This is general information, not financial advice. The right fund depends on your goal, how long you can leave the money in, and the chilli level you’re comfortable with. Here’s a rough map:
| If you want… | Look at | Chilli |
|---|---|---|
| A low-risk home for cash you may need soon | Cash Plus | 1 of 5 |
| A little more yield, still conservative | Bond | 2 of 5 |
| One fund that spreads across several assets | Diversified | 3 of 5 |
| Long-term growth and can ride the ups and downs | Growth | 4 of 5 |
| Some gold exposure as a hedge | Gold | 5 of 5 |
If you’re brand new and nervous, there’s no shame in starting at one or two chillies, seeing how it feels, and working up from there once you’ve found your footing.
My own way in: bubble tea money
Here’s how I personally get myself to start, and it’s just my own habit, not financial advice. I invest what I call my bubble tea money — the money I’d have spent on bubble tea or some other unhealthy snack anyway. I skip the snack, put those few dollars into a fund instead, and I get to feel good twice: once for not drinking my calories, and once for investing.
Because GXS Invest starts from S$10, you really can do this with pocket-money amounts. At the start, the size of the sum barely matters. The habit and the confidence do.
How to start GXS Invest, step by step
Step 1 — Get a GXS account. Download the GXS app and sign up for a GXS Savings Account. You’ll need to be at least 18 and a Singapore resident. If you’re new to GXS, enter referral code AUDR190 when you sign up.
Step 2 — Open GXS Invest. From your GXS Savings Account home screen, tap to open a GXS Invest account. It’s a one-time setup. You’ll need to be 18 or older, a Singapore resident, and not a US person; you can hold one personal invest account.
Step 3 — Choose a fund. Browse the five funds in the app. Tap into each to read what it holds, its chilli rating and the latest indicative return before you decide.
Step 4 — Buy. Select a fund, enter your amount (from S$10 — bubble tea money is fine), and tap Buy. The money is debited from your GXS Savings Account. There’s no platform or transaction fee.
Step 5 — For the promo, invest enough and hold. To earn cashback, put in at least S$5,000 of new money across the funds between 18 May and 31 July 2026, then leave it untouched — no selling or withdrawing — until 31 August 2026. (More on the promo below.)
Step 6 — Get paid. If you qualify for the promo and you’re among the first 5,000, your cashback lands in your GXS Savings Account by 30 September 2026.
The launch promo: up to S$300 cashback
If you do have more than bubble tea money to put in, there’s a launch promo on top. It runs from 18 May to 31 July 2026 (both dates included): invest new money during that window and hold it to 31 August 2026. It’s first-come, first-served, capped at the first 5,000 customers, so treat the end date as a ceiling, not a guarantee.
Your cashback is based on your new money invested during the promo — what GXS calls your incremental investment: what you put in over the period, minus anything you withdraw or sell, above what you already had invested on 17 May 2026.
Here’s how it pays out. You earn a base cashback on your total new investment across any of the five funds, and an additional cashback on top if some of that money goes into either of the two Selected Funds — Diversified or Growth. The additional amount is counted separately for each of those two funds:
| Minimum investment amount | Cashback (total invested with GXS Invest) | Additional cashback (Diversified fund) | Additional cashback (Growth fund) |
|---|---|---|---|
| S$5,000 | S$10 | S$5 | S$5 |
| S$10,000 | S$20 | S$10 | S$10 |
| S$20,000 | S$60 | S$20 | S$20 |
| S$50,000 | S$200 | S$50 | S$50 |
So the most you can get is S$300 — up to S$200 base, plus up to S$50 each from Diversified and Growth. Hitting the full amount needs sizeable sums, and most people will sit at the lower tiers. For example, put in S$5,000 with some in a Selected Fund and you’d earn S$10 base plus S$5 additional — S$15 in all.
As a share of the money you put in, the cashback is small: S$15 on S$5,000 is about 0.3%, and S$200 on S$50,000 is about 0.4%. Treat it as a one-off bonus on money you were going to invest anyway, not as a return. Your actual return depends on how the funds perform, which can be up or down.
Who qualifies, and the conditions
- Open to new or existing GXS Invest customers during the promo.
- New money only. Cashback is based on your incremental investment over what you already held on 17 May 2026. Buying with the proceeds of funds you already owned doesn’t count.
- The qualifying buy orders must be completed before the cut-off on the final day, 31 July 2026.
- You must hold the new investment from 31 July through 31 August 2026 with no withdrawals or sell orders. Selling early forfeits the cashback.
- Both your GXS Savings Account and GXS Invest account must stay active and in good standing.
- Cashback is paid into your GXS Savings Account on or before 30 September 2026.
- It’s forfeited if you close either account first, if a transaction is reversed or refunded, or if crediting it would push your savings balance over its maximum.
The bottom line
If investing has been on your someday-list, this is an easy place to take the first small step on GXS with one platform for savings + investments — and the promotion sweetens the deal for you to do it now. Just pick a chilli level to try it out, and start.
Risk warning & disclosures. GXS Invest is an investment product, not a savings account. Your capital is at risk, is not capital-guaranteed, and is not insured by the Singapore Deposit Insurance Corporation (SDIC). You may get back less than you put in. The Chilli Rating is a guide to relative volatility only: a lower rating does not mean an investment is risk-free, and a higher rating does not guarantee higher returns. Past performance is not indicative of future performance, and any indicative return shown is for illustration only, not a forecast. Fund values can rise or fall. GXS Bank does not provide investment advice. The cashback is subject to GXS Bank’s full campaign terms, eligibility and holding periods, which may change; it is capped at the first 5,000 customers and may end early. Read the full promo terms and conditions here.
This article is for general information only and does not constitute financial, investment or tax advice. Consider your own circumstances or consult a licensed financial adviser before investing. This advertisement has not been reviewed by the Monetary Authority of Singapore (MAS).
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Last updated: June 2026.
