Any balance you hold in the relevant transaction currency will automatically be
debited first to minimise your conversion costs (e.g., if you are making a
payment in Europe, your EUR balance will be debited by default).
If you do not hold any balance in the relevant transaction currency, or the
balance is insufficient, your balances held in other currencies will be
debited in the following order:
SGD, followed by EUR, USD, JPY, THB, GBP, AUD, CHF, NZD, CAD and MYR.
If the transaction currency is not SGD, EUR, USD, JPY, THB, GBP, AUD, CHF, NZD,
CAD or MYR, your SGD balance will be used to make the payment. If your SGD
balance is insufficient, balances held in other currencies will be converted
to SGD in the following order:
EUR, USD, JPY, THB, GBP, AUD, CHF, NZD, CAD and MYR.
Example 1
In your transaction history, you will see one row for the payment of EUR 80.
Example 2
In your transaction history, you will see two rows — one for the conversion of
SGD 30 to EUR 20, and one for the payment of EUR 120.
Example 3
In your transaction history, you will see three rows — two for the conversions
(SGD 100 to EUR 70 and GBP 25 to EUR 30) and one for the payment of EUR 200.
Example 4
In your transaction history, you will see one row — payment of EUR 400 declined.
Example 5
In your transaction history, you will see three rows — two for the conversions
(EUR 100 to SGD 145 and GBP 60 to SGD 95) and one for the payment of SGD 340.