iFAST Pay Services consist of a Multi-currency e-wallet account (“Card Account”) and an iFAST Global Visa Card (“Card”), which are accessible and managed through iFAST Pay via FSMOne mobile application.

 Multi-Currency e-wallet account

• Hold your available balance in supported currencies.

• Supports top ups, withdrawals, currency conversion, and cross-border payments.

iFAST Global Visa Card

• A prepaid Visa card linked to your Card Account.

• Available as a Physical Card and an optional Digital Card

• Can be used for online, in-store, contactless, and overseas payments wherever Visa is accepted.

• Payments are deducted from your Multi-Currency e-wallet account. If Auto Transfer is enabled, available funds in your FSMOne Multi-Currency Cash Account (Investment Trust Account) may be automatically transferred to your Card Account to make payments.

Note: If you make a payment in a currency that you do not hold or have insufficient balance in, the required amount may be deducted from another available currency and converted at the applicable exchange rate.