My friend is currently in short of money. He tried to borrow money from me but I am also in financial trouble as well. Then, he told me recently of how he had money. He said that he have borrowed money from his officemate. But after a week he is being charged with 40% of interest and his pay due date is in a week. He was shocked and he wants someone to help because that is not what they agreed upon.
With UOB Mighty FX, you not only save on additional foreign exchange (FX) conversion fees when you shop on overseas websites, but you also have greater control over the foreign currency exchange rates that you get. UOB Mighty FX allows you to view and exchange with real-time foreign exchange (FX) rates for popular currencies including USD, GBP, Euro, Australian Dollar (AUD) and Japanese Yen (JPY). Some exchange rates offered by UOB Mighty FX are even better than those at popular money changers, so clearly, this can help you save some money.
UOB Mighty FX / United Overseas Bank
I recommend the OCBC Plus! Visa Debit Card, for people who buys groceries at NTUC Fairprice (practically every Singaporean who’s not on RedMart). The OCBC Plus! Visa Debit Card offers a decent 4% rebate at NTUC FairPrice, Unity and Warehouse Club if you spend $200 outside of the “NTUC network” that month. If you spend $500, and your rebate goes up to 7%, you also get 3% link points when shopping on FaiPrice On. The downside is that the OCBC Plus! Visa Debit Card has an annual fee of $24. This is waived for the first year and subsequently takes $1,200 of spending per year (avg. $100 a month) to waive.
OCBC Plus! VISA Debit Card / Oversea-Chinese Banking Corporation
The KrisFlyer UOB Debit Card and Account has definitely changed for the better. With the introduction of Mighty FX, it now makes even more sense for a frequent traveller to take advantage of the enhanced ability of the KrisFlyer UOB Debit Card to transact in multiple currencies without incurring a foreign currency exchange fee. If you want to earn KrisFlyer miles and don’t want to get or don’t qualify for a credit card, then the KrisFlyer UOB Debit Card and Account are the way to go.
KrisFlyer UOB Account / United Overseas Bank
This is yet another awesome all in one card which provides you with the convenience of a combined credit and membership card with the features that allow you to auto-charge NUSS bills to your Card. It comes with a pleasant complimentary annual fee waiver as long as you’re a NUSS Member. You also earn 2 DBS Rewards Points for every S$5 spend at any of the NUSS F&B outlets, earn 1 DBS Rewards Point for every S$5 you charge to your card island wide.
DBS NUSSU Debit Card / DBS Bank
With this card there are no currency exchange fees for all RMB transactions through RMB account. Plus enjoy convenience via UnionPay, the largest payment network in China. Interestingly, if the balance on your RMB sub-account is insufficient, the card will deduct from your SGD sub-account based on BOC’s real time exchange rate. There are no transaction fee for your cash withdrawal via 24,000 BOC ATMs in Mainland China for a limited time however.
BOC UnionPay Dual Currency Debit Card / Bank of China
Earn unlimited cash rebate of 0.3% for all local and overseas retail transactions when using your BOC Zaobao Debit Card.This offer is valid for a monthly spend of at least S$100 with a minimum deposit of S$1,500 and/or a monthly spend of at least RMB 500 with a minimum deposit of RMB 7,500 in the account.Other privileges allow you to use your new BOC UnionPay Dual Currency Debit Card at any UnionPay's merchants to enjoy 0.3% cash rebate and/or exclusive offers
BOC Zaobao Debit Card / Bank of China
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Loan sharks have existed every since people and groups needed money to create business or pay their existing debts. Unfortunately, they do not operate within the regulations of Singapore's Ministry of Law. In turn, they can increase interest rates to the highest levels they wish monthly and reject the amounts you regularly pay to allow them to gain higher interest rates and more money from you.