Green Link Digital Bank (GLDB) Singapore 2026: Business Accounts, Loans & Fixed Deposit Rates

Green Link Digital Bank (GLDB) is Singapore’s first MAS-licensed digital wholesale bank, built for businesses rather than individuals. It offers current accounts, multi-currency accounts, fixed deposits, unsecured loans up to SGD 300,000, and supply chain financing. If you’re a consumer hunting for a savings account, GLDB isn’t for you – here’s who it actually serves and how its rates and loans compare.

Not financial advice. All figures are for educational reference only and were cross-checked directly against Green Link Digital Bank’s official rate sheets, product pages and MAS/SDIC sources. Data verified as at 14 July 2026.

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What Is Green Link Digital Bank (GLDB)?

The Monetary Authority of Singapore (MAS) awarded GLDB one of two Digital Wholesale Bank (DWB) licences on 4 December 2020. A Digital Wholesale Bank, in plain English, is a bank licensed to serve businesses and institutions – not everyday consumers.

GLDB is backed by a consortium led by Greenland Financial Holdings Group, alongside Linklogis Hong Kong and Beijing Co-operative Equity Investment Fund Management Co. Greenland is a Fortune Global 500 company, so this isn’t a small fintech experiment – it’s backed by serious institutional capital. Linklogis brings supply chain finance technology expertise, which shows up clearly in GLDB’s product line-up.

GLDB began operations in June 2022, making it Singapore’s first digital wholesale bank to go live. Its registered UEN is 202115950G, and it operates under MAS’s Financial Institutions Directory listing.

Unlike GXS Bank or MariBank, GLDB does not offer a personal savings account, debit card, or everyday spending app. Instead, it focuses on cash management, lending, and supply chain financing for micro, small and medium-sized enterprises (MSMEs) with cross-border trade needs.

Is GLDB for Individuals or Just Businesses?

This is the single most important thing to understand before you go any further. GLDB holds a Digital Wholesale Bank licence, not a Digital Full Bank (DFB) licence. That one word – “wholesale” – means GLDB can only accept deposits from, and lend to, businesses, institutions and accredited investors. It cannot serve individual retail customers at all.

If you’re an individual looking for a high-yield savings account, a debit card or everyday personal banking, GLDB simply isn’t built for you. You’ll want GXS Bank, Trust Bank, or MariBank instead – all three accept individual retail customers in Singapore.

However, if you run a registered Singapore business – especially one dealing with cross-border trade, e-commerce, or supply chain financing – GLDB may be a genuinely useful banking partner. The rest of this guide is written for that audience.

GLDB Business Accounts Explained

GLDB offers three core deposit account types, all managed through its digital banking app and web platform. Here’s a quick summary before we go deeper into rates.

Source: GLDB official website, glbank.com/solutions/cash, verified July 2026.

The Current Account is your everyday operating account – you get real-time balance visibility and transaction tracking, and unlike many traditional banks, GLDB doesn’t charge a minimum balance fee while still paying credit interest on your balance.

The Multi-Currency Account solves a common pain point for import/export businesses: instead of juggling separate bank relationships for every currency you transact in, you hold SGD, USD and other currencies inside one account. This also helps reduce foreign exchange (FX) friction on cross-border payments.

GLDB also supports MEPS (a same-day, high-value SGD payment network), overseas funds transfers, and scheduled or recurring payments – all viewable alongside your other account activity in a single dashboard.

GLDB Fixed Deposit Rates 2026

GLDB’s Fixed Deposit Account lets you place surplus SGD or USD funds for a fixed tenor at a pre-agreed rate. Here are the official published rates as at the bank’s April 2026 rate sheet – the most recent one available at the time of writing.

Source: GLDB Rates – Fixed Deposits (official rate sheet), last updated April 2026. View on glbank.com.

Notice the pattern: SGD rates actually rise slightly the longer you commit (1.20% to 1.25%), while USD rates fall the longer you commit (3.50% down to 3.10%). That’s a reflection of interest rate expectations baked into each currency’s yield curve – it isn’t unique to GLDB.

Minimum placements are SGD 250,000 or USD 10,000. If you want to place more than SGD 2 million or USD 2 million, GLDB asks you to contact its sales team directly rather than book the deposit online. These are meaningfully higher minimums than most retail fixed deposits, which is consistent with GLDB’s wholesale, business-only mandate.

Rates are reviewed periodically and can change with market conditions, so always check GLDB’s current published rate sheet before committing funds. For comparison, our Singapore retirement calculator can help you work out whether a fixed deposit or a longer-term investment better suits your business’s surplus cash.

GLDB Business Loans & Working Capital

GLDB offers three lending facilities, each suited to a different funding need.

• Business Loans – non-revolving, unsecured term loans of up to SGD 300,000, backed by a personal guarantee rather than collateral. You repay in fixed monthly instalments over an agreed tenure, so your cash flow planning is predictable from day one.
• Term Loans – short-to-medium term funding for expansion or working capital, secured by partial or full collateral acceptable to GLDB. These typically suit larger funding needs than the unsecured Business Loan.
• Overdrafts – a revolving facility linked directly to your Current or Multi-Currency Account. There’s no fixed tenor, and you only pay interest on the amount you actually draw down – useful for smoothing out short-term timing gaps between incoming and outgoing payments.

GLDB doesn’t publish a standard headline interest rate for these facilities online – pricing is assessed per application based on your business’s risk profile, financials and requested facility type. If you’re comparing GLDB against other SME lenders, it’s worth requesting an indicative quote from GLDB directly alongside quotes from traditional banks and fintech lenders.

GLDB Trade & Supply Chain Financing

This is arguably GLDB’s specialty, drawing directly on shareholder Linklogis’s supply chain fintech background.

• Payables Financing – GLDB pays your suppliers promptly on your behalf, and you repay GLDB later. This protects your supplier relationships without straining your own short-term cash flow.
• Receivables Financing – borrow against your outstanding sales invoices instead of waiting 30 to 90 days for customers to settle. You keep ownership of the receivables while GLDB advances you credit against them.
• Supply Chain Financing – upfront funding against eligible trade receivables, with collections managed according to terms agreed upfront between you, your counterparty and GLDB.

GLDB also offers Embedded Finance: API-based banking that lets B2B platforms, marketplaces and business ecosystems embed payments, buy-now-pay-later, or lending capabilities directly into their own products, without building banking infrastructure from scratch.

Is GLDB Safe? MAS Licensing & Deposit Protection

GLDB is regulated by MAS as a licensed digital wholesale bank, so it operates within Singapore’s banking framework, including capital and liquidity requirements.

Here’s the part many people miss: wholesale digital banks are not required to join Singapore’s Deposit Insurance (DI) Scheme, and GLDB is not currently a DI Scheme member. That means your GLDB deposits are not covered by the Singapore Deposit Insurance Corporation’s (SDIC) S$100,000-per-depositor guarantee – unlike deposits at Digital Full Banks such as GXS Bank or MariBank, which are DI Scheme members.

ANEXT Bank, the other Digital Wholesale Bank MAS licensed in December 2020 (backed by Ant Group), faces the exact same structural situation – it’s also not a DI Scheme member, for the same reason.

This doesn’t necessarily mean GLDB is riskier day-to-day; it’s still a MAS-regulated bank subject to ongoing supervision. But it does mean you should size any GLDB balances with the lack of deposit insurance in mind, the same way you would for any non-DI-Scheme financial institution.

GLDB vs Other Singapore Digital Banks

On 4 December 2020, MAS awarded four new digital bank licences in total: two Digital Full Bank (DFB) licences and two Digital Wholesale Bank (DWB) licences. Here’s how they stack up.

Source: MAS media release, 4 December 2020; SDIC scheme membership rules.

Worth noting: Trust Bank is often grouped with these four, but it isn’t one of MAS’s December 2020 licensees. Trust Bank operates under Standard Chartered’s existing full bank licence as a joint venture with NTUC Enterprise, launched in September 2022. It’s still a genuine digital-first retail bank – just via a different regulatory route.

If your business needs are closer to everyday personal banking, our GXS Bank referral code and MariBank referral code pages cover the retail side in depth.

How to Open a GLDB Business Account

If you run a Singapore-registered business and want to bank with GLDB, here’s the general process:

1. Confirm your business is a Singapore-registered entity – a sole proprietorship, partnership, or company – and check that it fits GLDB’s onboarding criteria for MSMEs or trade-focused businesses.
2. Head to GLDB’s digital banking portal and start the “Open account” application.
3. Submit your business’s UEN, ACRA filings, and identity documents for all authorised signatories.
4. Wait for approval. Once approved, you manage the account entirely through GLDB’s app or web platform – there are no physical branches to visit.

Since GLDB is business-only, individuals looking for comparable Singapore digital banking should look at GXS Bank, Trust Bank, or MariBank instead. And if you’re a business owner who also wants to grow personal or company reserves through investing rather than just parking cash, our Syfe referral code and sign-up bonus and Endowus referral code pages cover two of Singapore’s most popular investing platforms.

Frequently Asked Questions – Green Link Digital Bank

Is GLDB Right for Your Business?

GLDB makes the most sense for Singapore SMEs that deal with cross-border trade, e-commerce, or supply chains, and want financing built around receivables and payables rather than generic overdrafts. Its fixed deposit rates are competitive for businesses parking surplus USD, but remember: GLDB deposits are not SDIC-insured, so size your balances accordingly.

If you’re an individual rather than a business, GLDB isn’t for you at all – head to our guides on GXS Bank, Trust Bank, or MariBank instead. And for a broader Singapore financial planning toolkit, try our free retirement planning calculator.

Disclaimer

This article is for educational and informational purposes only and does not constitute financial advice. All figures were sourced from Green Link Digital Bank’s official website and published rate sheets, plus MAS and SDIC public sources, and were verified as at 14 July 2026. Rates, loan terms and eligibility criteria are subject to change – always confirm current terms directly with GLDB before making any decision. The Kopi Notes may earn referral fees from some links in this article. Please consult a licensed financial adviser before making any business financing decisions.