Apply now and get up to S$50 cash. Promotion ends 30 Sep 2025. T&Cs apply.

UOB FX+ Debit Card: More than a travel wallet!

With UOB FX+ Debit Card, you can spend worldwide at 0% FX fees — no cap, no minimum spend. Not traveling soon? Lock in competitive rates on UOB TMRW and convert currencies ahead of your holiday.
0% FX fees on all worldwide spends

0% FX fees on all worldwide spends

Just tap and go when you shop and eat your way across the globe at no FX fees. No fuss, no top-ups.

Exceptional rates, as good as what you see online

Exceptional rates, as good as what you see online

Take advantage of transparent, competitive rates comparable to Google’s. Enjoy travel with no mark-ups on foreign currency spends

Save more with extra travel perks

Save more with extra travel perks

Enjoy up to 20% off GrabTransport, free travel insurance, and cashback on overseas ATM withdrawals!

Existing Mighty FX cardmembers are also eligible for the new benefits. Find out more here.

Two flexible ways to manage and spend foreign currencies

Tap to spend directly

Tap to spend worldwide with 0% FX fees

Simply tap to spend while you’re overseas! Transactions will be deducted directly from your SGD account linked to your FX+ at 0% FX fees.

Say goodbye to juggling multiple top-ups to travel wallets and app transfers.

Stretch your travel dollar further with UOB FX+

From earning bonus interest to auto-converting at your preferred rates, FX+ helps you spend smarter and earn more, wherever you go.

Promotions

Receive up to S$50 cash when you apply for UOB FX+ Debit Card online

Here’s how:

Step 1: Be among the first 20 eligible customers per promotion week to add on FX+ to any of these SGD accounts here. S$20 cash for the next 30 eligible customers.

Step 2: Make at least one foreign currency transaction on your new FX+ Debit Card

Promotion ends 30 September 2025. T&Cs apply.

New UOB customer? Earn a total of S$150 when you sign up for both One Account and FX+. Learn more here.

Privileges for UOB FX+ Debit Card holders

Apply for UOB FX+ Debit Card now!

Apply for UOB FX+ Debit Card now!

  • Apply  via the link with your bank details or Singpass
    1
    Apply via the link with your bank details or Singpass
  • Link your preferred SGD Account to FX+
    2
    Link your preferred SGD Account to FX+
  • Submit and start spending
    3
    Submit and start spending

Things you should know

Important Notice & Disclaimers
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UOB Debit Cardmember Agreement
UOB Terms and Conditions Governing Accounts and Services
UOB Debit Card Fees and Charges
UOB FX+ Debit Card Spend and Travel Promotion Terms and Conditions
FX+ Notice

SGD deposits are insured up to S$100k by SDIC.

 

For FX+ foreign currency accounts, interest rates are for USD, AUD, NZD and CNH accounts only. 

 

FX fees are administrative fees applied on transactions in foreign currencies. Worldwide includes over 210 countries with MasterCard acceptance.

 

1Receive S$5 cashback on the first four (4) overseas cash withdrawals from your FX+ account(s) or SGD account linked to FX+ in a calendar year. Please click here for full terms and conditions.

 

For overseas ATM cash withdrawals, a 2.5% administrative fee, plus a flat fee of S$5 (or foreign currency equivalent) may be charged for each Mastercard Cirrus/Visa PLUS withdrawal performed. The overseas ATM bank may charge administrative fees at their sole discretion.

 

^Eligible Card spend transactions are based on the following: Eligible Visa/MasterCard local and foreign retail transactions subjected to the exclusions mentioned below; Insurance payments made on a recurring basis on selected credit or debit cards; Total posted retail transactions by the selected Credit Card(s) principal and supplementary holder plus any spending on the selected Debit card(s); and Transactions posted within a CALENDAR month. Visit UOB One Account website for full terms and conditions.

 

The information herein shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein.

 

The information herein, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.

 

This advertisement has not been reviewed by the Monetary Authority of Singapore.

 

Sales representatives, if any, may be remunerated for the recommendation or sale of this account.

For Singaporeans and PRs

Sign up for FX+ online, get approval within minutes and start transacting instantly (where applicable).

 

How to apply:

  • Retrieve with Myinfo using Singpass login – applicable to new-to-UOB customers, existing to UOB customers and joint applicants 
  • Personal Internet Banking login details – applicable to existing UOB customers
  • Credit/Debit card number and PIN – applicable to existing UOB customers applying for single-named account application
For Foreigners and U.S. Persons

Please proceed to any UOB Branch for application. You will need to bring along original copies of:

  • Your Physical Passport (Min 6 months validity is required)
  • Proof of Residential Address (E.g. Utilities or Telecommunication bills)
  • Employment Pass/S Pass/Dependent Pass

Please note that photocopied or digital copies of the above documents will not be accepted for processing.

Eligibility:
Minimum 18 years old
Annual Fees:
S$18.34 yearly (First 3 years card fee waiver)
Annual fee wavier with 12 Mastercard transactions per year
Card replacement fee of S$20
  1. UOB FX+ Online Account Opening Promotion (18 Feb – 31 May 2025): Eligible participants, please follow the steps in this link to redeem your gift by 30 Sep 2025.

UOB FX+ Debit Card FAQs

I am an existing Mighty FX debit cardholder. Will I continue to enjoy the benefits tied to the new FX+ Debit Card?
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Yes, existing UOB Mighty FX Debit Cardmembers will enjoy the same benefits of the new UOB FX+ Debit Card. No replacement of debit card is required.

No, as you will enjoy the benefits tied to your KrisFlyer UOB Debit Card. You may apply for UOB FX+ Debit Card by linking UOB FX+ to any of these eligible SGD accounts: One Account, Privilege Account, Wealth Premium Account or iAccount, to enjoy its benefits.

You can apply via the UOB FX+ website. You will need at least one of the following eligible SGD accounts to apply for UOB FX+. If you do not have one, you can apply during the UOB FX+ application.

Eligible SGD accounts for UOB FX+:

  • One Account
  • Wealth Premium Account
  • Privilege Account
  • iAccount

No, you will be issued a KrisFlyer UOB Debit Card and enjoy KrisFlyer UOB Debit Card benefits. You may apply for UOB FX+ Debit Card by linking UOB FX+ to any of these eligible SGD accounts: One Account, Privilege Account, Wealth Premium Account or iAccount, to enjoy its benefits.

If the ‘Enable FX Debit’ function is turned on and you had attempted a transaction on your UOB FX+ Debit Card when there are insufficient funds in the respective FX+ foreign current account, the transaction will be declined and you will receive an SMS:

 

“Your transaction on UOB card ending 0605 was unsuccessful due to insufficient funds in your foreign currency account. Top up via UOB TMRW mobile app."

 

You can convert currencies instantly via the UOB TMRW app to fund the respective FX+ foreign currency account before attempting your transaction again.

How will my foreign currency spends be deducted from my FX+ Debit Card?

Choose from two ways to spend on your FX+ Debit Card

1. Tap to spend worldwide
Simply tap to spend while you’re overseas! Transactions will be deducted directly from your SGD account linked to your FX+ at 0% FX fees.

2. Convert currencies in advance
If you’re headed to countries with currencies supported by FX+, you can convert SGD to the foreign currency in advance with UOB TMRW. Your FX Debit is enabled by default, so transactions will be deducted from your FX+ foreign currency account at 0% FX fees.

10 supported currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD

If you prefer to spend directly from your SGD account instead of your converted currencies, simply turn off the ‘Enable FX Debit’ function.

Go to Accounts > FX+ Debit Card > Services > Enable FX Debit to switch off. Transactions will then be deducted from your SGD account, also at 0% FX fees.

Chinese Renminbi Offshore (CNH) is not available for direct transactions. Instead, simply top up your Alipay or WeChat Pay wallets using your FX+ Debit Card — no conversion needed, 0% FX fees!

SDIC

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$100,000 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$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.

We're here to help

Dear valued FX+ customers, please note that there will be changes to the FX+ Notice from 1 Aug 2025 onwards. Find out more