How can we help?

Maybank Global Access Account-i, or GAA-i, is a Shariah-compliant multi-currency current account that allows you to manage Singapore Dollar (SGD) and supported foreign currencies in one account.

It includes features such as in-app currency conversion, a Maybank Global Access Mastercard Debit Card, PayNow registration, e-Statements and Money Lock, subject to eligibility and applicable terms.

Yes. Global Access Account-i is a Shariah-compliant multi-currency current account.

A normal SGD account is mainly used for Singapore Dollar banking, while GAA-i allows you to hold SGD together with supported foreign currencies under one account.

GAA-i is a Maybank bank account rather than a prepaid travel wallet. Eligible SGD deposits may receive deposit-insurance protection, selected currency balances may earn profit, and banking features such as PayNow, e-Statements and Money Lock are available.

GAA-i is currently available to Singapore Citizens and Singapore Permanent Residents aged 16 and above, subject to Maybank’s eligibility checks and applicable account-opening requirements.

GAA-i is currently offered as a single-name account.

Each customer may maintain one GAA-i at any point in time.

You can apply through the Maybank2u SG app. The application journey differs slightly for new and existing Maybank customers.

• New Maybank customers: select GAA-i in the app, retrieve your details using Singpass/MyInfo and complete the guided application.
• Existing Maybank customers: log in to the app, select GAA-i, complete the required verification and submit the guided application.

Application is subject to eligibility, verification and approval.

Applications for GAA-i are made through the Maybank2u SG app.

Selected currency balances may earn profit based on the applicable profit rate for each currency. Profit rates may differ by currency and may be revised from time to time.

Please refer to Maybank’s latest published rates for current information.

Selected currency balances may earn profit based on Maybank’s prevailing profit rates. Please refer to Maybank’s latest published rates for the applicable rates.

The currencies currently identified as profit-eligible are:

• Singapore Dollar (SGD)
• Australian Dollar (AUD)
• Euro (EUR)
• Pound Sterling (GBP)
• Hong Kong Dollar (HKD)
• Japanese Yen (JPY)
• New Zealand Dollar (NZD)
• United States Dollar (USD)

Ringgit does not earn profit.

Singapore Dollar balances in GAA-i are insured by the Singapore Deposit Insurance Corporation, subject to the applicable limits under the Deposit Insurance Scheme.

Foreign-currency balances are not insured under the Singapore Deposit Insurance Scheme.

The minimum initial deposit, minimum-balance fee, service fee and early account-closure fee are waived for GAA-i. Other transaction-related fees and charges may apply depending on how you use the account.

You can view and manage your GAA-i balances and transactions through the Maybank2u SG app. GAA-i balances and transaction history are currently not available through Maybank2u Internet Banking.

Your total balance is displayed in SGD to provide a consolidated view. It includes your SGD balance and the indicative SGD equivalent of your foreign-currency balances.

No. The displayed SGD equivalent is indicative and is used for display purposes only. The actual amount received will depend on the applicable Maybank exchange rate displayed when you perform and confirm the conversion.

Your available balance reflects the amount that can currently be used after accounting for pending transactions, funds on hold and locked funds, where applicable. Your current balance reflects the total balance recorded in the account.

You can access and download your e-Statement through the Maybank2u SG app.

1. Log in to the Maybank2u SG app.
2. Select “View eStatements” from Quick Actions or use the three-dot menu.
3. Select Global Access Account-i and choose the relevant statement.

Log in to the Maybank2u SG app, select “Accounts”, choose your GAA-i and tap “View Transactions”.

Currency conversions, transfers and card transactions will be reflected in the relevant transaction history. Pending debit-card transactions may appear before they are posted.

You may remove a supported foreign-currency balance through the Maybank2u SG app, where available, without closing your overall GAA-i.

To do this, select the currency, go to “Manage” and tap “Remove Currency”. The balance must be zero before a currency can be removed, so the app will offer to convert any remaining balance to SGD.

If you close a foreign-currency balance before the 1st of the month, you will forgo any profit accrued on that balance for the previous month. The Ringgit Account has its own removal treatment.

To close your GAA-i, please contact our Contact Centre or visit any Maybank Singapore branch. Please ensure that all balances, including SGD and foreign-currency balances, are zero before the account closure date.

Your account will be closed on the first day of the following month. If that date falls on a weekend or public holiday, the closure will be processed on the first day of the subsequent month.

GAA-i uses Singapore Dollar (SGD) as its base currency and supports the following 10 foreign currencies:

• United States Dollar (USD)
• Euro (EUR)
• Pound Sterling (GBP)
• New Zealand Dollar (NZD)
• Australian Dollar (AUD)
• Japanese Yen (JPY)
• Hong Kong Dollar (HKD)
• Canadian Dollar (CAD)
• Swiss Franc (CHF)
• Ringgit (MYR), subject to additional eligibility and usage requirements

SGD is the base currency of GAA-i, while supported foreign-currency balances are linked under the same account. This provides one consolidated account view for SGD and supported foreign currencies.

1. Log in to the Maybank2u SG app.
2. Tap “Accounts” and select your GAA-i.
3. Tap “Add Currency”.
4. Select the preferred supported currency and confirm.
5. The currency balance will be reflected on your dashboard.

Only supported currencies that are available to you will appear under “Add Currency”. Ringgit is subject to additional eligibility requirements.

If a transaction is made in an unsupported currency, the transaction may still be processed through your SGD balance using the applicable Mastercard exchange rate and fees, subject to the card rules.

You may remove a supported foreign-currency balance through the Maybank2u SG app and may add it again later, subject to currency availability, eligibility and applicable currency-specific rules.

If you remove a foreign-currency balance before the 1st of the month, you will forgo any profit accrued on that balance for the previous month.

The Ringgit Account has its own removal treatment. Please refer to the Ringgit Account section.

1. Log in to the Maybank2u SG app and select your GAA-i.
2. Tap “Convert”.
3. SGD is preselected under “Convert From”. Choose the foreign currency under “Convert To”.
4. Enter the amount.
5. Review the displayed exchange rate and converted amount.
6. Confirm the conversion before the displayed rate expires.

You can convert currencies 24/7 through the Maybank2u SG app.

Yes. You can convert supported foreign currencies back into SGD through the Maybank2u SG app, subject to the applicable exchange rate, available balance and transaction limits.

Yes. Each currency conversion is limited to SGD 250,000.

Ringgit conversions are also subject to the RM10,000 per-transaction limit and the RM20,000 maximum Ringgit balance.

You may fund a currency conversion using another eligible Maybank SGD savings or current account instead of the SGD balance in your GAA-i, where supported.

The conversion will use the applicable Maybank exchange rate displayed in the Maybank2u SG app. The final converted amount will be based on the rate displayed and accepted when the conversion is successfully completed.

The exchange rate is valid for the time shown in the Maybank2u SG app. A countdown timer will be displayed during the conversion journey.

If the displayed exchange rate expires before you confirm the conversion, you will need to refresh the rate and review the recalculated amount before proceeding.

No. A completed conversion cannot be cancelled or reversed. To convert the funds back, you will need to perform a new conversion using the applicable exchange rate at that time. The amount received may differ because of exchange-rate movements.

Auto Convert helps support eligible transactions when the available balance in the spending currency is insufficient. Where applicable, it may convert the required shortfall from your available SGD balance into the transaction currency.

Auto Convert is enabled by default for all supported foreign currencies and can be turned on or off under “Manage” in the Maybank2u SG app. The setting applies to your whole account and cannot be set for individual currencies.

If Auto Convert is turned off and the relevant supported currency balance is insufficient, the transaction may be declined.

Foreign-currency balances are subject to exchange-rate movements. If you convert SGD into a foreign currency and later convert it back at a less favourable rate, you may receive less in SGD terms.

Foreign-currency balances are also not covered by the Singapore Deposit Insurance Scheme.

1. Log in to the Maybank2u SG app.
2. Tap “Transfer” through Quick Actions or the GAA-i dashboard.
3. Select the “SELF” tab and choose GAA-i as the receiving account.
4. Enter the amount and select the Maybank account to be debited.
5. Review and confirm the transaction.

Yes. You can top up GAA-i from another eligible Maybank account through the supported transfer journey.

Yes. You can register your mobile number and/or NRIC/FIN with GAA-i to receive SGD funds through PayNow, subject to the PayNow registration process and applicable terms.

You can also send SGD via PayNow from GAA-i.

FAST transfers are supported for SGD transactions, subject to available balance, transaction limits and applicable terms.

You can make the following local SGD transfers from GAA-i through the Maybank2u SG app:

• transfers between GAA-i and your other Maybank SGD accounts;
• transfers to other Maybank customers’ accounts;
• FAST transfers;
• PayNow transfers; and
• eAngbao.

You may transfer a supported foreign currency from your own eligible Maybank foreign-currency account into GAA-i in the same currency, such as USD to USD, subject to applicable limits and service availability.

Overseas transfers from GAA-i are currently not available.

GAA-i currently supports selected local SGD payment and transfer services.

GIRO, MEPS, EDP, bill and card payments, and Scan & Pay QR are currently not available from GAA-i.

The Maybank Global Access Mastercard Debit Card will be issued by default when your GAA-i is successfully opened, where applicable. A separate card application is not required.

The card will be mailed to your registered mailing address after your GAA-i is opened. GAA-i debit cards are not available for branch collection.

You can activate your card through the Maybank2u SG app or by SMS.

No. The card is linked exclusively to your GAA-i.

There is no card issuance, replacement or annual fee for the Maybank Global Access Mastercard Debit Card.

Transaction fees may still apply depending on how you use the card, such as the 3.25% foreign-exchange fee for unsupported currencies, the 1% DCC fee and fees for overseas ATM withdrawals.

Subject to card activation, available balance, card settings, transaction limits, merchant acceptance and applicable terms, the card may be used for:

• local and overseas retail purchases where Mastercard is accepted;
• online purchases;
• contactless payments;
• local and overseas ATM withdrawals;
• NETS payments;
• public-transport payments; and
• supported digital-wallet or e-wallet top-ups.

You may add the card to supported mobile wallets such as Apple Pay and Samsung Pay, subject to card eligibility, device compatibility, mobile-wallet availability and applicable terms.

Yes. Before using your card overseas, enable the overseas magnetic stripe and overseas cash withdrawal functions in the Maybank2u SG app.

If you spend in a supported foreign currency and have sufficient balance in that currency, the transaction will be deducted directly from the relevant currency balance.

For supported foreign currencies, Auto Convert may convert the required shortfall from your SGD balance, subject to sufficient available SGD balance, the applicable exchange rate, transaction limits and card rules.

If Auto Convert is turned off, the SGD balance is insufficient or another restriction applies, the transaction may be declined.

The transaction will be deducted from your SGD balance and converted using the applicable Mastercard exchange rate and card transaction rules. A foreign-exchange fee of 3.25% applies.

A foreign-exchange fee does not apply when the transaction is made in a supported foreign currency, whether Auto Convert is on or off. Other fees or merchant-imposed charges may still apply depending on the transaction.

Dynamic Currency Conversion, or DCC, occurs when an overseas merchant or ATM offers to charge the transaction in SGD instead of the local currency.

If a transaction at a foreign merchant is charged in SGD, a DCC fee of 1% applies.

The merchant or payment provider may use its own exchange rate or impose charges. Review the currency, amount, exchange rate and any fee shown before confirming the transaction.

Review the displayed currency and total amount carefully. If you select the local currency and it is a supported foreign currency, the relevant currency balance may be used. If you select SGD at a foreign merchant, the transaction is treated as a DCC transaction and a 1% DCC fee applies.

You may use the card for NETS transactions where NETS is accepted and supported. Your card PIN is required for NETS transactions.

You may also use the card at Maybank ATMs in Singapore and atm5 ATMs for SGD withdrawals, subject to ATM availability, available balance, withdrawal limits and applicable terms.

For overseas ATM cash withdrawals in a supported foreign currency (except Malaysian Ringgit), the withdrawal amount will be deducted directly from the corresponding currency balance.

For overseas ATM cash withdrawals in Malaysian Ringgit or any unsupported currency, the withdrawal amount will be deducted from your SGD balance and converted at the prevailing foreign exchange rate.

Withdrawals at Maybank ATMs outside Singapore (excluding the Philippines) are deducted from your SGD balance, regardless of the currency withdrawn.

Overseas ATM cash withdrawals are free at Maybank ATMs outside Singapore (excluding the Philippines). For withdrawals made at all other overseas ATMs, a S$5 fee per withdrawal will be charged by the Cirrus network.

The ATM operator may impose a separate fee. Any operator fee is set by the ATM operator and may be shown before you confirm the withdrawal.

A pending transaction has been authorised but has not yet been fully posted to your account. Once it is posted, the pending entry will be replaced by the final transaction in your GAA-i transaction history.

The final amount may differ because of exchange-rate movements, merchant processing, card-scheme rules, fees or settlement adjustments.

A transaction may be declined because of insufficient balance, insufficient SGD for Auto Convert or unsupported-currency conversion, Auto Convert being turned off, card limits, card settings, merchant or ATM acceptance, an unsupported transaction type, or the card not being activated or being blocked.

You may use the card where the merchant accepts debit cards. The merchant may place a temporary hold on your available balance until the transaction is completed, cancelled or released.

The refund will be processed according to the merchant’s instructions, card-network rules and the applicable currency-handling process. The refunded amount may differ from the original amount because of exchange-rate differences, timing or merchant processing.

Spending and cash withdrawals made using the Maybank Global Access Mastercard Debit Card are not eligible for cashback, reward points or base points.

You can change your PIN at a Maybank ATM. If you have forgotten your PIN, please contact Maybank’s customer service hotline.

You can set your card’s spending limit, which is in SGD, at a Maybank ATM.

Contact Maybank immediately to block the card and request a replacement. Review your recent transactions and report any unauthorised transactions as soon as possible.

The replacement card will be mailed to your registered mailing address, subject to Maybank’s verification and replacement process.

The Ringgit Account is the Ringgit-denominated balance within GAA-i. It allows eligible customers to hold and use Ringgit for supported transactions, including eligible retail and online spending in Malaysia.

The Ringgit Account has additional eligibility rules, a maximum balance and a maximum transaction amount. Customers must meet the Ringgit-specific eligibility requirements before it can be added.

The Ringgit Account is available to eligible GAA-i customers with a non-Malaysia mailing address, including Singapore Citizens and Malaysian citizens who are Singapore Permanent Residents. Eligibility is subject to Maybank’s checks and applicable terms.

Ringgit will appear only if you meet the applicable Ringgit eligibility criteria. Maybank’s check may consider customer information such as nationality, residency status and mailing address.

Select “Add Currency” in the Maybank2u SG app and choose Ringgit. Maybank will perform an eligibility check before the Ringgit Account can be added.

Yes. You may remove the Ringgit Account, subject to the available account functions, eligibility and applicable terms. Before the Ringgit Account is removed, any remaining Ringgit balance must first be used, transferred where supported, or converted.

You may hold up to RM20,000 in the Ringgit Account at any point in time.

The maximum amount is RM10,000 per Ringgit transaction, regardless of transaction type, subject to available balance and applicable terms.

No. The Ringgit Account does not earn profit.

Eligible customers can convert SGD to Ringgit through the Maybank2u SG app, subject to available SGD balance, the Ringgit balance limit and transaction limits. The conversion will use the applicable Maybank exchange rate displayed in the Maybank2u SG app.

Yes. Ringgit may be converted back to SGD, subject to available balance, transaction limits, eligibility and Maybank’s terms. The conversion will use the applicable Maybank exchange rate displayed in the Maybank2u SG app.

Yes. Auto Convert is available for Ringgit.

If Auto Convert is enabled, any insufficient Ringgit balance will be automatically topped up using your available SGD balance, based on the prevailing exchange rate at the point of transaction.

If Auto Convert is not enabled and your Ringgit balance is insufficient, the transaction cannot be processed and will be declined.

Yes. You may use the linked Maybank Global Access Mastercard Debit Card for eligible retail purchases at merchant point-of-sale terminals and online payments in Ringgit, subject to merchant acceptance, sufficient Ringgit balance, card limits and applicable terms.

Review the currency, exchange rate and total amount shown before confirming the payment. A transaction charged in Ringgit may use your available Ringgit balance. If the merchant charges you in SGD, your Ringgit balance will not be used and a 1% DCC fee applies.

You may use the linked debit card to withdraw Ringgit cash at supported ATMs. The withdrawal amount is deducted from your SGD balance rather than your Ringgit Account, subject to ATM availability, available SGD balance, withdrawal limits and applicable fees.

ATM operators may impose their own separate charges.

A refund may be credited in Ringgit if the original transaction was processed in Ringgit, subject to the merchant’s instructions, card-network rules and Maybank’s processing rules.

Hotel deposits and merchant pre-authorisations may temporarily reduce your available Ringgit balance until the merchant releases the hold.

Maybank will notify you if your Ringgit eligibility ceases. Further Ringgit top-ups will not be allowed, and you will have 30 days to use the remaining Ringgit balance for supported transactions or convert it to SGD.

At the end of the 30-day period, any remaining Ringgit balance will be converted to SGD using the applicable Maybank exchange rate at that time, and the Ringgit Account will then be closed.

The Ringgit Account supports eligible retail purchases at merchant point-of-sale terminals and online payments using the Maybank Global Access Mastercard Debit Card, subject to merchant acceptance and applicable terms.

A maximum balance of RM20,000 applies at any point in time, and a maximum of RM10,000 applies per Ringgit transaction regardless of transaction type.

Direct cash withdrawal from the Ringgit balance and Ringgit transfers to Maybank Malaysia accounts are currently not available.

Money Lock is an added layer of protection designed to help safeguard funds from the reach of scammers. For GAA-i, you can lock your SGD balance and/or selected foreign-currency balances individually.

Yes. Each currency balance can be locked independently. Where supported, you may also lock only part of a currency balance and continue using the remaining unlocked amount.

Yes. Locking one currency balance does not affect your other unlocked currency balances.

No. Locked funds must be unlocked before they can be used for spending, transfers, withdrawals or currency conversion. You may continue using any available unlocked balance.

No. Locked funds are excluded from Auto Convert. Auto Convert can use only available, unlocked funds from your SGD balance.

Locked funds can be unlocked at any Maybank Singapore branch during business hours or via any Maybank Singapore ATM.

Before travelling, check your available SGD and foreign-currency balances, whether you have converted enough foreign currency, that overseas card usage and cash withdrawal are enabled in the Maybank2u SG app, your debit-card status and transaction limits, applicable ATM and foreign-currency fees, and whether any Money Lock settings may affect your transactions.