xpate SG everywhere

The PayOut solution for your business

Overseas money transfers for businesses

fast, with competitive exchange rates and low fees to pay

1

Create your xpate account

2

Top Up your account

3

PayOut from SGD in 20+ currencies with real exchange rate

4

Save on fees and grow your business

Online, transparent, quick and safe payments solution at your fingertips

Business account for international payments without monthly fees, high rates or hidden charges. Pay your employees, contractors, vendors or suppliers all over the globe for less

Cross border payments for SMEs made easy

Make your international payments 5x cheaper than the old-school traditional banks

We are a licensed financial institution

which is regulated by the Monetary Authority of Singapore as a Major Payment Institution

We follow strict regulation supervised by the Monetary Authority of Singapore under license (No. 201808498D) registered in Singapore for Novum Financial Technologies Pte. Ltd

xpate is a payments platform that prioritises simplicity, speed and user experience. We always act fairly to our client and protect their interests

Keep your money safe

It is our priority. 24/7 accessible, safe to keep, safe to transfer

Fair prices, no hidden fees

No subscriptions and no monthly fees. You’ll always see the fee upfront and only pay for what you use.

Account opening

Free

Analytics

Free

Insights Panel

Free

International transfer

From 0.2%

FX Margin

From 0.2% above interbank / market rate* / Fee varies by currency

Holding positive balance on account

Free

Account maintenance

Free

Account closure

Free

xpate.sg is offered by Novum Financial Technologies Pte. Ltd regulated by the Monetary Authority of Singapore as a MajorPayment Institution (licence No. PS20200538). xpate.sg is part of the global xpate brand.

FAQ

What are the requirements to open an xpate SG account?

If you are a company registered in Singapore, you are eligible to open an account. All the relevant documents will be collected during the onboarding process. Not a business in Singapore and interested in opening an account, contact us.

How do I apply for an account?

Are there any costs to open an account?

How long does the account opening take?

Is xpate SG safe?

How does xpate SG keep your money safe?

What would happen if xpate became insolvent?

What are the requirements to open an xpate SG account?

If you are a company registered in Singapore, you are eligible to open an account. All the relevant documents will be collected during the onboarding process. Not a business in Singapore and interested in opening an account, contact us.

How do I apply for an account?

Are there any costs to open an account?

How long does the account opening take?

Is xpate SG safe?

How does xpate SG keep your money safe?

What would happen if xpate became insolvent?

Start simplifying your payments

xpate needs the contact information you provide to us to contact you about our products and services. For information on our privacy practices, please review our Privacy Policy.

© Copyright xpate 2025. All right reserved.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

UK: In the United Kingdom, services are provided by xpate Ltd, a company incorporated in England and Wales (registered number: 11920779), with an office at Level 18 40 Bank Street, Canary Wharf, London, England, E14 5NR. xpate is authorised by the Financial Conduct Authority (Reference number: 901021) to issue electronic money (e-money) and provide payment services. EEA: In the European Economic Area, services are provided by xpate SIA, which is incorporated in Latvia (registered number: 40203411426) with an office at Dzirnavu Street 42, Riga LV-1010, Latvia. xpate SIA has an electronic money institution operating licence issued by Latvijas Banka (Licence number 27-55/2023/7) to issue electronic money and provide several payment services.You may contact us via e-mail at [email protected].