GXS Bank Referral Code CHRI688: Up to S$28 Cashback (Oct 2026)

S$8 for the referral and S$20 for a separate First Boost pocket is how GXS gets to "up to S$28". They have different deadlines and different ways to lose the money, so here's which is which.

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👉 GXS referral code CHRI688. Enter it in the referral field while you apply, because GXS doesn't let you add it afterwards.

What you get

• S$8 bonus cashback (Refer for Rewards, Q4 2026): open your first GXS Savings Account with CHRI688 between 1 Oct and 31 Dec 2026, then deposit at least S$500 of fresh funds in one transaction in the same calendar month. It's credited by the end of the following month. Monthly slots are limited and first come, first served.
• S$20 First Boost cashback (a separate GXS campaign): within 30 days of opening your account, and by 31 Oct 2026, open a new 3-month Boost Pocket named First Boost with at least S$5,000 of fresh funds, and hold it to maturity. It's credited on or before 28 Feb 2027. GXS's First Boost terms don't mention a referral code, so treat it as its own campaign with its own slots.

One S$5,000 transfer from another bank can cover both deposits.

Steps

1. Download the GXS Bank app and start a GXS Savings Account.
2. Enter CHRI688 in the referral field before you submit the application.
3. Transfer in fresh funds from another bank in one go: at least S$500 for the S$8, or S$5,000 if you want First Boost too.
4. Within 30 days of opening, and before 31 Oct, create a new 3-month Boost Pocket named First Boost and fund it with the S$5,000.
5. Hold the pocket to maturity and keep the account open until the cashback is credited.

Where people lose it

• ⚠️ Finishing sign-up without CHRI688 in the field. The S$8 is only awarded when the account is opened with the code, and it can't be added later.
• "Fresh funds" means money from outside GXS. Moving money between your own Main Account, Saving Pockets and Boost Pockets doesn't count, and neither does renaming an old pocket.
• Breaking the Boost Pocket early, or closing the account before the cashback is credited, forfeits it.
• Stacking isn't clear-cut. GXS's referral terms allow other Savings Account campaigns, but the First Boost and Save and Invest terms each say "not valid with other offers unless stated", so confirm in the GXS app before you deposit.
• The S$3 public transport cashback on the Debit Card is only for people who were already Savings Account customers on or before 1 Oct 2026, so it doesn't apply to new sign-ups.

Is First Boost worth locking S$5,000 for?

GXS quotes 2.82% p.a. for a S$5,000, 3-month First Boost placement. That annualises the S$20 and adds the prevailing 1.22% p.a. Boost Pocket rate. In dollars, that's roughly S$15 of interest plus the S$20, so about S$35 over three months. It's fine if you were never going to touch that cash. Boost Pockets go up to 2.0% p.a. depending on tenor, so check what a standard 3-month pocket pays in the app and compare before you commit.

There's also an October Save and Invest campaign (up to 3.2% p.a. on a 4-month Boost4 pocket) that ends 30 Oct. It needs a GXS Invest purchase, which is not SDIC-insured and can lose value, so it's a different risk from a deposit.

I checked these numbers against GXS's three campaign terms on DLCuration's GXS referral code page, which also has the eligibility checklist and FAQ: https://dlcuration.com/gxs-referral-code.html

Who qualifies

• Opening your first GXS Savings Account, with CHRI688 entered while applying
• Bringing in fresh funds from another bank
• Keeping the account active until the cashback is credited

You don't qualify if you already have a GXS Savings Account, held and closed one before, or closed one in the last 6 months. Existing GXS customers with only a card or loan can still qualify for the S$8.

How long it runs

The S$8 applies to accounts opened to 31 Dec 2026, First Boost ends 31 Oct 2026, and Save and Invest ends 30 Oct 2026. GXS can change or end a campaign at any time, and it decides eligibility at its sole discretion.

Honest caveat

GXS Bank is a MAS-licensed digital bank and Singapore dollar deposits are SDIC-insured up to S$100,000. GXS Invest funds are not. The S$8 is a small reward, and the S$20 only makes sense if you're happy to lock S$5,000 for three months.

Just sharing what I found in the terms, not financial advice.