- Important Notes for Transactions
- About FSM Global
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Card Information & Termination
The card validity is 5 years from the date of issue, till the last day of the month of expiry. eg. if your card expiry is displayed as 12/28, it will be valid up till 31 Dec 2028, 2359hrs.
If your card is expiring soon, please apply for the new replacement card on FSMOne Mobile App or website.
Upon receipt of the new replacement card, please proceed to add your new card to your FSMOne account.
If you have recurring transactions on your card, please inform the merchant/ institution of your new card details once you get your card replacement.
If your card is expiring soon, please apply for the new replacement card on FSMOne Mobile App or website.
Upon receipt of the new replacement card, please proceed to add your new card to your FSMOne account.
If you have recurring transactions on your card, please inform the merchant/ institution of your new card details once you get your card replacement.
In line with the move towards a cashless society and to encourage e-payments, FSMOne Debit Card does not support withdrawal from ATMs as your FSMOne Debit Card is meant for cashless spending.
You can check your FSMOne Debit Card transaction history by logging into your FSMOne Mobile App or website on the following pages:
FSMOne Mobile App
1. Holdings > Debit Card > Recent Transactions
2. Holdings > Historical Transactions
FSMOne Website
1. My Account > Debit Card > Recent Transactions
2. My Account > Historical Transactions > "Cash Account"
FSMOne Mobile App
1. Holdings > Debit Card > Recent Transactions
2. Holdings > Historical Transactions
FSMOne Website
1. My Account > Debit Card > Recent Transactions
2. My Account > Historical Transactions > "Cash Account"
Online Shopping
Get your card details by logging into your FSMOne account. Go to My Account > Debit Card > Card Details. To start using the FSMOne Digital Debit Card, simply add your card details as a payment method for your online shopping.
Physical Shopping
Apply for a physical card and pay at suppported merchants
Mobile Payments
Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices):
1. Download Google Pay App from Google Play.
2. Launch the app and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!
Google Pay works on any Android devices with Near Field Communications (NFC) capabilities.
Get your card details by logging into your FSMOne account. Go to My Account > Debit Card > Card Details. To start using the FSMOne Digital Debit Card, simply add your card details as a payment method for your online shopping.
Physical Shopping
Apply for a physical card and pay at suppported merchants
Mobile Payments
Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices):
1. Download Google Pay App from Google Play.
2. Launch the app and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!
Google Pay works on any Android devices with Near Field Communications (NFC) capabilities.
You can customise your spending limit (e.g., per transaction/day/monthly) at individual card level in few easy steps below:
1. Log in to your FSMOne App or website.
2. Go to My Account (website) or Holdings (App) > Debit Card > Spending Limit. You can view and set the spending limit on the page.
1. Log in to your FSMOne App or website.
2. Go to My Account (website) or Holdings (App) > Debit Card > Spending Limit. You can view and set the spending limit on the page.
Yes, we support mobile payment on all Android devices with Near Field Communications (NFC) capabilities.
Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices) as below:
1. Make sure that your phone supports NFC capabilities.
2. Download Google Pay App on Google Play. Then, launch Google Pay App and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!
You can get your FSMOne Debit Card details by logging into your FSMOne account and go to My Account > Debit Card > Card Details.
Apple Pay and Google Pay's contactless payment is not available on Apple devices (iOS) at the moment. However, you may still download Google Pay App and add your FSMOne Debit Card onto the application and use it to shop online.
Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices) as below:
1. Make sure that your phone supports NFC capabilities.
2. Download Google Pay App on Google Play. Then, launch Google Pay App and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!
You can get your FSMOne Debit Card details by logging into your FSMOne account and go to My Account > Debit Card > Card Details.
Apple Pay and Google Pay's contactless payment is not available on Apple devices (iOS) at the moment. However, you may still download Google Pay App and add your FSMOne Debit Card onto the application and use it to shop online.
Google Pay is accepted at several supermarkets, pharmacies, restaurants, trains, buses and more. You can use Google Pay wherever you see the contactless symbol or the Google Pay symbol. Look for them on the payment terminal screen or online stores at checkout. Do note that using Google Pay NFC is only available on Android devices.
Yes, it is. Google stores payment information on its secure servers using encryption. Your FSMOne Debit Card details are never shared with the merchant.
There is no payment limit on Google Pay. All spending limits are subject to your account limits. However, some merchants may apply a limit on contactless payment methods. Please check with the merchant at the time of payment.
If you’ve exceeded your daily/monthly/annual transaction limits, you will not be able to make payments with your FSMOne Debit Card.
In accordance with MAS regulations under the Payment Services Act, FSMOne Debit Card has a single transaction limit of SGD5,000 (or currency equivalent) and an annual aggregate limit of SGD30,000 (or currency equivalent). It is shared across all your cards and reset on 1 January every year for Singapore citizens/residents. This means you can only continue using the above features once the calendar year has ended.
In accordance with MAS regulations under the Payment Services Act, FSMOne Debit Card has a single transaction limit of SGD5,000 (or currency equivalent) and an annual aggregate limit of SGD30,000 (or currency equivalent). It is shared across all your cards and reset on 1 January every year for Singapore citizens/residents. This means you can only continue using the above features once the calendar year has ended.
Please top-up your FSMOne SGD Cash Account or SGD Auto-Sweep Account via your internet banking's PayNow / FAST Transfer. You can refer to the payment instructions here.
An approved transaction is an authorised payment that's awaiting confirmation from Mastercard.
All new cards transactions will be classified as approved, the monies will be deducted/held and fully settled within 9 days, transactions may also be declined or reversed within 9 days, depending on the merchant's action. Spending records will be updated accordingly. Once confirmed by Mastercard, the entire transaction will be considered fully completed.
All new cards transactions will be classified as approved, the monies will be deducted/held and fully settled within 9 days, transactions may also be declined or reversed within 9 days, depending on the merchant's action. Spending records will be updated accordingly. Once confirmed by Mastercard, the entire transaction will be considered fully completed.
As merchants may temporarily hold an amount prior to the actual transaction in order to verify the validity of your card and to ensure that actual transactions can be carried out, this may not be the final payment amount. The merchants may adjust the transaction amount once the amount payable has been determined and proceed with the transaction, deducting the payable amount from the Cardholder's account as based on the final adjusted payable amount. This amount will then be put on hold from the Cardholder’s available balance, rendering them inaccessible for use.
If there is any cancelled, pending transaction or discrepancies of the transacted amount versus the final amount charged by the merchant, the payment will be adjusted/refunded/reversed within 9 working days.
A declined transaction may also appear as such transactions. In cases where the payment is returned, your transaction status will be reflected as Refunded or Reversal on your transaction history.
However, in some rare situations, there might be delay (after 9 days) for some transactions to be captured. In such cases, new transaction record will be created.
If there is any cancelled, pending transaction or discrepancies of the transacted amount versus the final amount charged by the merchant, the payment will be adjusted/refunded/reversed within 9 working days.
A declined transaction may also appear as such transactions. In cases where the payment is returned, your transaction status will be reflected as Refunded or Reversal on your transaction history.
However, in some rare situations, there might be delay (after 9 days) for some transactions to be captured. In such cases, new transaction record will be created.
For a successful transaction with your FSMOne Debit Card:
• Ensure that you always have sufficient SGD Cash Account or SGD Auto Sweep balance.
• Ensure that your card details have been correctly entered.
• Ensure that your card has not been reported stolen or used for fraudulent activity.
• Ensure that transactions have been enabled/unlocked for your card.
• Ensure a minimum balance of S$0.10 in SGD cash account for FSMOne Debit Card spending
In general, any top-ups made using your PayNow / FAST Transfers should be immediate or around 30 minutes* depending on the external conditions listed below, which could otherwise lead to a delay of up to a few days.
*Conditions Apply
• Except for system maintenance period.
• Except for payment from Standard Chartered Bank which generally take around business days to reflect.
• Payment must be made from your own personal bank account (Bank account holder's name has to be the same as FSMOne account holder's name).
• Must include FSMOne account number eg. Pxxxxxxx in the payment reference. If you have forgotten to indicate your FSMOne account number in the payment, please email us the payment receipt for our further processing.
• No outstanding transaction which is pending for payment eg. Bond PTP transaction.
• Your local bank transfer limit is linked to your daily total limit for all funds transfers from your bank account(s); adjust the transfer limits with your bank via internet banking with a valid security device. However, there might be scenarios in which your top-up may fail or remain pending for an unusually long period of time.
*Conditions Apply
• Except for system maintenance period.
• Except for payment from Standard Chartered Bank which generally take around business days to reflect.
• Payment must be made from your own personal bank account (Bank account holder's name has to be the same as FSMOne account holder's name).
• Must include FSMOne account number eg. Pxxxxxxx in the payment reference. If you have forgotten to indicate your FSMOne account number in the payment, please email us the payment receipt for our further processing.
• No outstanding transaction which is pending for payment eg. Bond PTP transaction.
• Your local bank transfer limit is linked to your daily total limit for all funds transfers from your bank account(s); adjust the transfer limits with your bank via internet banking with a valid security device. However, there might be scenarios in which your top-up may fail or remain pending for an unusually long period of time.
Here are some common scenarios and what you can do.
• You may have locked your card - please ensure your card remains unlocked until the top-up is completed.
• Check if your SGD Cash Account or SGD Auto Sweep has sufficient balance.
• If your SGD Cash Account or SGD Auto Sweep has sufficient balances, check on date/time of the transaction and check if it coincides with any bank delays or server maintenance downtime.
• Exceeded annual transaction limit of SGD30,000 (or equivalent in other currencies) for all your cards for Singapore residents.
• Exceeded spending limit per transaction of SGD5,000 (or equivalent in other currencies). For a large transaction, you can split the purchase into multiple transactions.
• Exceeded transaction limits as per your own card spending limit settings.
• Your card might have been blocked or locked.
• Did your transaction time out? Please ensure that your internet connection is stable, and try paying again.
• For online purchases, you must authenticate your transaction with the OTP sent to your mobile number or registered email address to complete the payment. Your transaction will be declined if authentication fails. If you have doubt over the authenticity of the messages that you have received, do not provide any personal details or sensitive information to the message sender, and reach out to FSMOne immediately to verify its authenticity:
SMS OTP Sender: Nium
Email OTP Sender: cards.notifications@nium.com
• Card is not allowed for merchants in connection with any activities listed in Card Issuer's Terms and Conditions.
For other failed transaction possibility which is not listed on the above, please contact FSMOne for further assistance.
• You may have locked your card - please ensure your card remains unlocked until the top-up is completed.
• Check if your SGD Cash Account or SGD Auto Sweep has sufficient balance.
• If your SGD Cash Account or SGD Auto Sweep has sufficient balances, check on date/time of the transaction and check if it coincides with any bank delays or server maintenance downtime.
• Exceeded annual transaction limit of SGD30,000 (or equivalent in other currencies) for all your cards for Singapore residents.
• Exceeded spending limit per transaction of SGD5,000 (or equivalent in other currencies). For a large transaction, you can split the purchase into multiple transactions.
• Exceeded transaction limits as per your own card spending limit settings.
• Your card might have been blocked or locked.
• Did your transaction time out? Please ensure that your internet connection is stable, and try paying again.
• For online purchases, you must authenticate your transaction with the OTP sent to your mobile number or registered email address to complete the payment. Your transaction will be declined if authentication fails. If you have doubt over the authenticity of the messages that you have received, do not provide any personal details or sensitive information to the message sender, and reach out to FSMOne immediately to verify its authenticity:
SMS OTP Sender: Nium
Email OTP Sender: cards.notifications@nium.com
• Card is not allowed for merchants in connection with any activities listed in Card Issuer's Terms and Conditions.
For other failed transaction possibility which is not listed on the above, please contact FSMOne for further assistance.
Please ensure sufficient balance in your FSMOne SGD Cash Account or SGD Auto-Sweep Account. In most instances, transactions will be declined and declined transaction fees will be imposed if there is insufficient balance in your FSMOne SGD Cash Account or SGD Auto-Sweep Account.
If a FSMOne Debit Card transaction has been processed despite there being insufficient balance, you will be liable to fully make up the shortfall plus any applicable fees, along with any costs incurred by iFAST and any other third party on recovering or attempting to recover such shortfall.
If a FSMOne Debit Card transaction has been processed despite there being insufficient balance, you will be liable to fully make up the shortfall plus any applicable fees, along with any costs incurred by iFAST and any other third party on recovering or attempting to recover such shortfall.
Please ensure the notifications settings is enabled on your device or you may try to reinstall the FSMOne Mobile App and login again through the newly install FSMOne App. If the issue persists, please contact FSMOne for further assistance.
It is dependent the refund method that your merchant has used to process the refund. FX transaction charges or cross-border processing fees are non-refundable even if your overseas purchases are refunded. Please reach out to your merchant for clarification.
The FSMOne Physical Debit Card is available for any existing FSMOne Digital Debit Card user.
Application for a FSMOne Physical Debit Card is simple!
FSMOne Website
Step 1: Head to My Account > Debit Card.
Step 2: Click on “Get an additional card”
Step 3: Under Card Type, select “Physical Card’ and proceed to fill in your information.
FSMOne Mobile App
Step 1: Head to the FSM Mobile App and click on “Holdings” at the bottom of the screen.
Step 2: Tap on the “Debit Card” Option'.
Step 3: Select “Get an additional card”.
Step 4: Select “Physical Card” and proceed to fill in your information.
Upon successful application, your physical card will be delivered to you within 2-3 weeks from your application date.
FSMOne Website
Step 1: Head to My Account > Debit Card.
Step 2: Click on “Get an additional card”
Step 3: Under Card Type, select “Physical Card’ and proceed to fill in your information.
FSMOne Mobile App
Step 1: Head to the FSM Mobile App and click on “Holdings” at the bottom of the screen.
Step 2: Tap on the “Debit Card” Option'.
Step 3: Select “Get an additional card”.
Step 4: Select “Physical Card” and proceed to fill in your information.
Upon successful application, your physical card will be delivered to you within 2-3 weeks from your application date.
Unfortunately, the FSMOne Debit Cards (both in digital and physical) is only available for application to Singapore residents. FSMOne physical debit card shall be delivered to Singapore residential address only.
No, we do not impose fees for physical card issuance. We have currently waived off charges for any physical card replacement.
Once you have received your FSMOne Physical Debit Card, please login to your FSMOne account and go to My Account > Debit Card > Click on "I Have Received My Physical Card. (Proceed To Activate)" > Click on "Activate Now".
Upon successful application, you would expect to receive your FSMOne Physical Debit Card in 2-3 weeks.
If you did not receive your physical card within the timeline, please call our hotline at 65572853 or drop us an email at clienthelp@fundupermart.com for further assistance.
If you did not receive your physical card within the timeline, please call our hotline at 65572853 or drop us an email at clienthelp@fundupermart.com for further assistance.
You may update your FSMOne Physical Debit Card PIN number by going to My Account > Debit Card > click on "Update PIN".
Card usage restrictions are set on certain merchant categories. You will not be able to use your FSMOne Debit Card at specified merchants. You may refer to the list below for the types of merchants and transactions that are not supported:
• If the merchant does not support Mastercard.
• Adding your card to Apple Pay or Samsung Pay (only Google Pay is supported currently).
• ATM withdrawals.
• Merchants in connection with any activities listed in Card Issuer's Terms and Conditions found here.
A minimum of S$0.10 is required in SGD cash account for FSMOne Debit Card spending.
Your digital card has different details to your physical card, and can be frozen after each purchase. That means it’s a safe, smart and simple way to spend keeping your digital payments separate from physical card payments.
You can use your digital cards to make payments online and lock your digital debit card after each purchase.
You can also manage your spending by using different cards for different expense types.
Your physical card number will be different to your digital card number, adding an extra layer of security for your purchases.
You can use your digital cards to make payments online and lock your digital debit card after each purchase.
You can also manage your spending by using different cards for different expense types.
Your physical card number will be different to your digital card number, adding an extra layer of security for your purchases.
You can perform almost all card related transactions in Singapore and overseas using physical Debit Card.
| Activities | Digital Card | Physical Card |
| Online Transactions | Available | Available |
| In-store Physical store spend | GooglePay for Android users only | Available |
| Cashback | 1% cashback on eligible spending during non-promotional periods. Cashback earned for the current month’s transactions (e.g. Jan) will be credited 4 to 6 weeks after the end of the current month. |
|
| Overseas / Foreign in-store card transactions | GooglePay for Android users only | Available Globally, supported by Mastercard network |
| ATM Withdrawal | Not Available | Not Available |
If you use FSMOne Debit card for public transport, please register the card with SimplyGo to keep track of your rides as there are instances whereby commuters may be double charged.
Please refer to the SimplyGo website for sign-up.
As per Land Transport Authority (LTA)'s arrangement with Mastercard, fare charges will be accumulated for up to 5 days or after a total of S$15 is spent on transit fares, whichever is earlier.
Login > Transact > Debit Card > Report a Card Cancellation
Or please send us an email by going to Support > Contact Us. On the next page, click on our email address on the page in order to send in an authenticated email to request of FSMOne Debit Card cancellation.
After that, you will not be able to use the card for any transaction including recurring payments setup previously. Please apply for a new card and update your new card information with your merchant (if applicable).