UOB FX+: 0% FX Fees, No Mark-ups, Just Seamless Spending Worldwide

UOB FX+ is not just any travel wallet. It offers 0% FX fees and a range of helpful features for travellers, making it a good fit for wide range of needs and circumstances. Here’s a deep dive into what this multi-currency card can do for you. 

Consumers are increasingly waking up to the not-so-hidden costs of cross-border transactions. The use of foreign currency is on the rise, driven not only by travel but also by online shopping and the desire to diversify portfolios through foreign currency-denominated investments.

Today’s travellers, global shoppers and investors are well-served by a range of multi-currency services that offer lower rates and always-online convenience. 

Take, for example the newly revamped UOB FX+, which functions as a multi-currency debit card that allows you to convert and store currencies and spend worldwide with 0% FX fees.

Let’s have a closer look at UOB FX+ and see how it measures up against the competition. 

Table of contents

• What UOB FX+ can do for you
• How does UOB FX+ compare against other multi-currency cards/accounts?
• UOB FX+: More than a travel wallet 
• UOB FX+ sign-up promo (Plus a Singsaver exclusive!)

What UOB FX+ can do for you 

Save more with 0% FX fees worldwide 

Get more out of your travel budget with UOB FX+. Avoid paying extra with 0% FX fees worldwide! Spend instantly with your UOB FX+ Debit Card, just tap and go while overseas - no fuss, no multiple travel wallet top-ups needed.

What’s more, enjoy these exclusive perks^:

1. Free travel insurance with medical expenses coverage of up to US$100,000 (injury or sickness).
2. Overseas transport savings with Grab discounts for Malaysia, Thailand, Indonesia, Philippines and Vietnam from now till 30 September 2025.
3. FX+ Top spender of the month campaign (till 31 January 2026): Receive a pair of Singapore Airlines business class tickets to Paris and Mastercard Priceless Experiences^. Simply be the top UOB FX+ spender of the month!

Convert currencies instantly at rates as good as what you see online

UOB FX+ gets you travel-ready by allowing you to convert currencies 24/7 at no mark-ups, at rates as competitive as what you see on Google Finance. You can view live rates displayed on UOB TMRW app before you confirm your conversion. 

Based on exchange rates on UOB FX+ and Google rates on 28 May 2025, 16:14 SGT. Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and overseas ATM cash withdrawals. Please visit the live rates displayed in the UOB TMRW app for the latest FX+ conversion rates.

Enjoy the convenience of instantly locking in rates at their most favourable. For instance, you can convert SGD to AUD at 1 SGD = 1.2 AUD (at time of writing) for your future holiday down under!  Moreover, you can set an alert via the UOB TMRW App to notify you when your desired rate becomes available – or better yet, leave it to UOB FX+ to automatically make the conversion on your behalf.

Unlock bonus interest on UOB One Account while spending overseas

If you’re a UOB One Account holder, spending with the UOB FX+ Debit Card can count toward the S$500 minimum monthly spend required to unlock bonus interest on your One Account*.

UOB FX+ is a great overseas spending companion for your One Account - no more missing out on bonus interest just because you were overseas!

Get FX ready to invest with UOB FX+

Smart investors know the importance of reducing costs to maximise the amount of capital available for investment. 

With UOB FX+, you can auto-convert currencies at favourable rates through the “set rate alerts” function, so you never miss out on your preferred rates. You can then use the converted currencies to buy foreign currency-denominated unit trusts or place foreign currency fixed deposits on the UOB TMRW app. This may result in a lower cost when investing if you can lock in favourable FX rates. 

How does UOB FX+ compare to other multi-currency accounts?

Other popular debit card options in the market include Trust Link Debit Card, GXS Debit Card and Chocolate Visa Debit Card, which charge zero FX fees. However, they do not allow users to convert and hold foreign currencies in advance.

Information retrieved from publicly available sources and is accurate as at 18 Aug 2025.

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UOB FX+: More than a travel wallet, an all-in-one debit card for global spending

UOB FX+ stands out from the crowd by offering the best of both worlds – 0% FX fees on worldwide spends and the flexibility to convert and hold foreign currencies. 

If you’ve been looking for an all-in-one multi-currency card that can see you through various scenarios, look no further than UOB FX+. 

Sign up for UOB FX+ before your next trip

Apply and link your UOB FX+ to either your UOB One, Privilege, or Wealth Premium Account to start spending and/or locking in favourable rates.

Get up to S$50 cash^ when you sign up for FX+ Debit Card. Ends 30 Sep 2025.

• S$50 cash: First 20 online sign-ups who make one foreign currency transaction per promotion week
• S$20 cash: Next 30 sign-ups

Not a UOB Customer yet? Get up to S$150 cash* when you sign up for both UOB FX+ and the UOB One Account! 

Singsaver Exclusive*: Readers also stand to receive a bonus JisuLife Handheld Fan Ultra1 on top of the cash reward. Only available to the first 200 eligible sign-ups! *T&Cs apply. Ends 30 September 2025.

This article was written jointly with UOB.

^T&Cs apply. Visit the official UOB FX+ webpage for more details

*T&Cs apply. Visit the official UOB One Account webpage for more details.

# You can withdraw supported currencies such as: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, USD. Chinese Renminbi Offshore (CNH) is not available for point-of-sale/online transactions and overseas ATM cash withdrawals. Each overseas non-UOB ATM withdrawal will incur a flat fee of S$5 or its foreign currency equivalent. The overseas ATM bank may also charge withdrawal fees or dynamic currency conversion fees at their sole discretion

The information in this publication is strictly for general information purposes only and should not be considered as, or a substitute for, professional advice, and is not prepared for any specific objectives or situations and/or to address the needs of any specific person or circumstance. It shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product, securities or instruments, or to make any investment, or to undertake any particular investment strategy. You should always seek your own independent advice from your financial, legal, tax, medical or other professional advisers on your particular circumstances or needs. 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. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Foreign currency trading is subject to rate fluctuations, which may provide both opportunities and risks.  

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”), its employees, officers and directors make no representation or warranty of any kind, whether express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB, its employees, officers and directors 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.

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.

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