Top Sites>AANEXT Bank | Singapore's digital bank for MSMEs

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Sitemap: https://www.anext.com.sg/sitemap.xml

# ANEXT Bank

> Singapore's digital bank for MSMEs, offering business accounts, loans, and daily interest with zero fees.

ANEXT Bank is a digital bank specifically serving the Micro, Small, and Medium Enterprises (MSMEs) in Singapore. It aims to redefine business banking by providing a seamless, online experience focused on growth. Key offerings include business accounts with no minimum balance and zero fees, flexible business loans with innovative pay-per-use and monthly payment options, and fixed deposit accounts that earn daily interest. The bank caters to various business stages, from startups to established enterprises, offering tailored financial solutions.

The core value proposition of ANEXT Bank lies in its digital-first approach, eliminating the complexities and costs often associated with traditional banking. This allows MSMEs to access essential financial services efficiently, manage their cash flow effectively, and focus on scaling their operations. Use cases include opening a business account quickly online, managing daily transactions with interest-earning accounts, applying for working capital loans, and exploring specialized loan products like secured loans. ANEXT Bank's API integration and embedded finance partnerships, like EPOS360, give MSMEs fast access to financing within their business ecosystem, streamlining operations and supporting growth.

## Core Banking Services

- [ANEXT Bank Business Account](https://anext.com.sg/bank/business-account/): Multi-currency account supporting banking across 10 currencies, including SGD, USD, EUR, and CNH. Earns up to daily 1.0% p.a. interest on SGD, USD, and EUR balances. Free unlimited local SGD transfers via FAST, PayNow, GIRO, and MEPS. Flat SGD 15 fee for international SWIFT transfers. Alternatively, ANEXT Flash offers fast overseas transfers to select jurisdictions within one working day, with waived fees for a limited period. Supports bulk SGD payments. Can receive funds in SGD, USD, CNH, EUR, GBP, HKD, JPY, KRW, MYR, THB.
- [ANEXT Bank Business Loan](https://anext.com.sg/bank/business-loan/): Find out about ANEXT Bank's business loan solutions for growing MSMEs. Choose the option that suits your business needs best, whether it's a flexible credit line, convenient monthly instalments, or a secured business loan for larger funding. Unsecured and secured financing from SGD 5,000 to SGD 500,000. No collateral required for loans up to SGD 30,000. 
- [Pay-Per-Use Business Loan](https://anext.com.sg/bank/business-loan/pay-per-use/): Explore ANEXT Bank's pay-per-use business loan for flexible financing. Credit line with terms up to 6 months. No collateral required for loans up to SGD 30,000. Draw down when needed; pay a flat monthly fee per drawdown; repay principal at the end of the term.
- [Monthly Payment Business Loan](https://anext.com.sg/bank/business-loan/pay-monthly/): Learn about ANEXT Bank's business loan option with convenient monthly repayments. Get financing from SGD 5,000 to SGD 500,000. Fixed-rate term loan repayable in monthly instalments over 1 to 5 years.
- [Secured Business Loans](https://anext.com.sg/bank/business-loan/secured-loans/): Discover ANEXT Bank's secured loan options for businesses needing larger capital. Pledge business property or assets to access larger amounts at competitive rates. Get up to 80% of your property's value.
- [ANEXT Bank Fixed Deposit](https://anext.com.sg/bank/fixed-deposit/): Discover ANEXT Bank's fixed deposit accounts with competitive interest rates. Available in USD, SGD, and EUR. Flexible tenures: 1, 3, 6, 9, or 12 months. No renewal fees, no early termination fees - early withdrawal allows you to earn the prevailing Business Account rate. Maximum placement: SGD 10,000,000 per currency. Minimum: SGD 250,000 / USD 5,000 / EUR 5,000. Indicative rates as of March 2026: USD 2.50%–3.40% p.a., SGD 0.85%–1.10% p.a., EUR 0.80%–1.35% p.a. (rates vary by amount and tenure).

## Targeted Business Solutions

- [Startups](https://anext.com.sg/bank/startups/): Find banking solutions tailored for startups by ANEXT Bank. Zero-fee banking, fast account opening, multi-currency support, and access to financing from SGD 5,000.
- [Growing SMEs](https://anext.com.sg/bank/growing-smes/): Discover financial tools and support for growing SMEs from ANEXT Bank. Multi-currency account, competitive yields, and streamlined lending for sustainable expansion.
- [Established Businesses](https://anext.com.sg/bank/established-businesses): Learn how ANEXT Bank supports the financial needs of established businesses. Enterprise-grade banking with integrated financial solutions and API access.
- [APIs](https://anext.com.sg/bank/apis/): Explore ANEXT Bank's APIs for integrating banking services into your business platform, across e-commerce, payment services, trade, procurement, delivery and services. Integrate ANEXT Bank's APIs directly into your platform to deliver payments, savings solutions, and financing services to your clients. Trusted by Antom, WorldFirst, EPOS, dtcpay, Uniweb and more. 
- [SME Friends of ANEXT](https://anext.com.sg/partner-with-us/sme-friends-of-anext): Hear how SME entrepreneurs pursue their business dreams with the support of ANEXT Bank, choosing from flexible credit lines and business accounts with daily interest for their business needs. 

## About ANEXT Bank

- [Our Story](https://anext.com.sg/about-us/our-story): ANEXT Bank is a digital bank licensed and regulated by The Monetary Authority of Singapore, and a wholly-owned subsidiary of Ant International. ANEXT Bank is focused on making business banking trusted and seamless for all, enabling business owners to expand locally and globally from Singapore with confidence and ease, by reimagining financial services around their real needs.
- [Press & Success Stories](https://anext.com.sg/about-us/press-success-stories): Find the latest press coverage and insights from ANEXT Bank.

## Blog Articles

- [Blog](https://anext.com.sg/bank/blog): Read the ANEXT Bank blog for insights on business and finance.
- [How being open to reimagination grew these SMEs’ business](https://anext.com.sg/bank/blog/sme-foa-open-to-reimagination/): Find out how with support from the right digital banking partner, SMEs can thrive without big corporate backing.
- [Every MSME Needs a Business Savings Account](https://anext.com.sg/bank/blog/msme-business-savings-account): Find out how choosing the right business savings account helps MSMEs can make surplus cash work for your business.
- [Singapore’s best business accounts: a how-to guide for entrepreneurs](https://anext.com.sg/bank/blog/best-business-account-in-singapore): Compare benefits, interest rates and fee structures across banks like DBS, OCBC, UOB, and FinTechs like Aspire for different business stages and transaction needs.
- [Expand your business beyond SG with multi-currency accounts](https://anext.com.sg/bank/blog/expand-your-business-beyond-sg-with-multi-currency-accounts/): Expand your business beyond Singapore and manage cross-border transactions more efficiently with multi-currency accounts. Reduce FX costs, simplify international payments, and support growing global operations.
- [Setting up a digital-first business](https://anext.com.sg/bank/blog/setting-up-a-digital-first-business/): Find out how to turn your idea into a digital-first business. No storefront needed.

## Support & FAQs

- [ANEXT Bank FAQs](https://anext.com.sg/bank/faqs): Frequently asked questions about ANEXT Bank's digital banking solutions.
- [Contact Us](https://anext.com.sg/contact-us): Get in touch with ANEXT Bank for support and inquiries.

## Optional

- [Privacy Policy](https://www.anext.com.sg/static/terms/privacypolicy): Review ANEXT Bank's privacy policy regarding your data.
- [Terms & Conditions](https://www.anext.com.sg/terms-conditions): Understand the terms and conditions for using ANEXT Bank services.
- [Cookies Policy](https://www.anext.com.sg/static/terms/cookiespolicy): Learn about ANEXT Bank's use of cookies on its website.
- [Whistleblowing Policy Statement](https://www.anext.com.sg/static/terms/whistleblowingpolicystatement): Read ANEXT Bank's policy on whistleblowing and reporting concerns.
- [EUPG](https://www.anext.com.sg/static/terms/eupg): Information regarding the Electronic User Protection Guarantee.
- [Regulatory Disclosures](https://anext.com.sg/regulatory-disclosures): View important regulatory disclosures from ANEXT Bank.