Call the shots in your life. You work hard. You have dreams and aspirations. Singapura Finance helps you get
there. It’s your call. It’s your card. It’s your vivid life!

Your trusted Singaporean finance company since 1950, we now make online and offline shopping easier and safer with Singapura Finance’s Vivid Savings Account#1 and Vivid Prepaid Mastercard#2 , the new savings account that allows you to have full control over the cash that you want to transfer to your e-wallet and spend worry-free.

Open a Vivid Savings Account today, get your Vivid Prepaid Mastercard and start enjoying higher savings
interest rate of up to 1.30% p.a. That’s up to 1.30% earned interest with NO multiple qualifying conditions.

8 Perks for Your Enjoyment

Higher Interest Rates

Gain more when you save more

Save more with your Vivid Savings Account. Earn up to 1.30% p.a. interest. One of the highest savings interest rates in town with no multiple conditions to fulfill, for you to earn higher interest rate.

No Income Statement Required

An inclusive card

The Vivid Prepaid Mastercard is an all-inclusive card for everyone from young to old. No requirement for a minimum income to apply and available for everyone from the age of 18.

Zero Fall Below Fee

Maximum benefits, minimal strings attached

All you need to fulfil for a Vivid Savings account is $500 deposit to activate and thereafter to maintain a minimum of $200 in your account. No need for salary credit, no minimum card spending, no online investment and no minimum banking transactions.

Online Application and Deposit

No need for over-the-counter transactions

No lengthy wait at the counter to open the Vivid account or to deposit your money. All application can be done online and deposit can be made easily via various mode of e-payment such as PayNow, AXS and e-Nets.

Retail Shopping

Tap and go with Mastercard contactless

A simple tap of your card is all it takes to pay at checkout and for your rides.

Online Shopping

Safer than cash

Linked to your Vivid Savings account via an e-wallet. Protect the money in your Vivid Savings account if your online shopping account is compromised. And with dynamic CVC, a new CVC will be generated for every online transaction ensuring greater security against cyber hacking and fraud.

Keeping Track of Your Transactions

Easy to manage via Vivid e-Wallet app

Go green. A simple login to the Vivid e-Wallet App gets you your full list of card and wallet transaction history.

Request for your Vivid Savings account balance and statement anytime, anywhere via SMS.

No paper statement or passbook updating.

Fraud Prevention and Loss Protection

Instantly transfer money from card to Vivid e-Wallet app

Vivid Prepaid Mastercard security feature together with the e-Wallet App enables you to transfer money out from the card back to the app anytime, reducing chances of fraud and loss when the card is misplaced or stolen.

And even if you didn’t discover the loss earlier, the maximum loss is limited to the funds available on the card.

Why VIVID?

Unlike other savings accounts that offer high interest rate, the Vivid Savings Account does not have multiple
conditions to earn the high interest rates or complicated interest tiers.

Vivid Savings Account Interest Rates

As for the Vivid Prepaid Mastercard, unlike credit or debit card, there is no minimum income requirement, no annual fees, no monthly bills or late payment penalty charges to worry about. You spend only what is on the card. And unlike conventional card, the Vivid Prepaid Mastercard comes with a dynamic CVC making it safer for online shopping.

Prizes worth up to $10,000 up for grabs

From the month of November 2019 to February 2020, simply sign up for your Vivid Savings Account and Vivid Prepaid Mastercard and you immediately enter our Monthly Draw and the Grand Draw.

Win a trip where you have 100% freedom to choose your holiday destination. What’s even better? You get to choose your accommodation and flights too!

^Terms and conditions apply. To participate in the Monthly Draw and Grand Draw, open a Vivid Savings Account with a minimum of $500.00 and use the Vivid Prepaid Mastercard at least once between 1 November 2019 and 28 February 2020, both dates inclusive. An amount of $200.00 must be maintained in the account at all times. Total chances earned during Monthly Draw will be accumulated for Grand Draw.

Vivid Life wants to give you DOUBLE chance to Win

Grand Draw^

  • Grand Prize – Travel voucher worth $5000
  • 2nd Prize – Travel voucher worth $2000
  • 3rd Prize – Travel voucher worth $1000

Monthly Draw^

  • Everyone gets a chance to win $100 cash.
  • 5 winners monthly for four consecutive months.
  • Refer a friend successfully to gain an addition chance to win. The more friends you refer successfully, the more chances you will get in the monthly draw as well as the grand draw.

^Terms and conditions apply. To participate in the Monthly Draw and Grand Draw, open a Vivid Savings Account with a minimum of $500.00 and use the Vivid Prepaid Mastercard at least once between 1 November 2019 and 28 February 2020, both dates inclusive. An amount of $200.00 must be maintained in the account at all times. Total chances earned during Monthly Draw will be accumulated for Grand Draw.

How to Apply

Open a new savings account online, anytime, anywhere at your convenience. Simply use your SingPass to login and apply.

Receive a confirmation email for your approved account application. Follow the instructions to download the Vivid App in Apple Store or Google Play to create and activate your e-Wallet.

Your Vivid Prepaid MasterCard will be sent to your registered mailing address within 14 working days. Log in to your Vivid App, activate your card and start using!

Eligibility:

Open a Vivid Savings account with an initial deposit of $500

Age: 18 years and above

Nationality: Singaporean and PR only

#1 Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law.

#2 Funds stored on the e-Wallet and/or any Mobile Wallets and the Vivid Prepaid Mastercard and/or any stored value Cards provided by us are not insured deposits under the Deposit Insurance and Policy Owners’ Protection Schemes Act (Chapter 77B of the Singapore Statutes) and are ineligible for protection by the Deposit Insurance Scheme.

*Interest rates quoted are subject to change at any time without prior notice. Terms and conditions apply.

Vivid FAQ

Questions Relating To Vivid Savings Account

What is the Vivid account?

The Vivid account is a savings account that offers one of the highest savings interest rate.

How is it different from your traditional/usual savings account?

This is an online account which you can open online and perform transactions without the need visit our customer centre. It comes with an optional e-wallet and an optional Vivid Prepaid Mastercard to facilitate cashless transactions.

Why is the interest rate high?

The Vivid savings account is a full online account that requires minimum human interaction. As we save on manpower and other incidental costs, we are able to return to you the value as higher interest. For the same reason, we discourage over counter transactions and hence will charge the customer for each transaction performed over the counter with our tellers.

Is there any catch? Terms and conditions to qualify for the higher interest rate?

There is no multiple qualification conditions. The only 2 requirement is the initial minimum amount to open the account is $500 and you must maintain a minimum balance of $200 at all time. If for whatever reasons your balance fall-below $200, we must request that you close the account. Terms and conditions for early closure or termination applies.

Can I open this account with my spouse or parents?

No. Vivid account can only be opened in single person’s name

Can I open Vivid account at any Customer Centre?

You can open the account from the comfort of your home or office using your own mobile devices or computer. However if you need assistance, our friendly customer service officers at the various Customer Centre can assist and guide you through the process of VIVID application online using your mobile or portable devices.

I have forgotten my Singpass account. Can I open the account without one?

Your Singpass account is needed to allow MYINFO to retrieve personal data to pre-fill the relevant fields for account opening. Please visit https://singpass.gov.sg and follow their instructions to reset your account.

Why was my application rejected?

All applications go through an approval process. For confidentiality purposes, we are unable to reveal why your account application was unsuccessful.

Can I deposit my money over the counter?

In line with our Government’s policy towards a cashless society, we have enabled deposit to your Vivid Savings accounts through various online means such as Paynow, eNets and AXS. There is no need for you to go down to our customer centre personally to make a deposit. However, if you still wish to do so, you may but there will be a $3 transaction fee per transaction for over the counter transaction.

Can I withdraw my money over the counter?

You may do so but there is a $3 transaction fee per transaction for over the counter transaction.

As this an online account, customers are encouraged to perform banking transactions online at their convenience without having to visit the customer centre.

I have activated my account but I did not receive my VIVID card!

Your Vivid card will be mailed to your registered address or mailing address within 7-14 days after the creation of your e-Wallet on the mobile application and the successful activation of your account, which ever later. Watch for our SMS and eMail Notification.

Why am I receiving SMS and Email reminders to upload my signature?

Your signature is still required in the event that you wish to perform transactions over the counter.

Can I close my account 3 months later?

There will be an early closure fee of $25 for account closed within 6 months. If you have opted for a Vivid Card, the early card termination of $30 applies. Total $55.00.

I have xxxx dollars in my Vivid Savings account. Is it covered by SDIC?

Yes. Your deposit with Singapura Finance Ltd is cover under SDIC for up to S$75,000.00 for each individual.

I have an existing savings account with SFL. Can I convert this to the Vivid account?

No. This option is not available. You will have to close the existing account at our customer centre and open the Vivid account online separately or you can choose to keep the existing Savings account.

Can I make payment via interbank giro from my Vivid Savings account to 3 rd parties such as Singtel, SP etc?

No. This option is currently not available.

Can I make payment from my Vivid Savings account to 3 rd parties using PayNow, eNets?

No. This option is not available.

Can I make payment from my Vivid Savings account to my friend?

You may do so via the Vivid e-wallet, provided your friend also has a Vivid Savings account with the e- wallet app installed.

Questions Relating To Vivid E-Wallet

What is the Vivid e-wallet?

The Vivid e-wallet is an app that you install on your mobile device that will enable you to manage your Vivid Savings account such as transferring money from/to your Vivid Savings accounts and to your Vivid Prepaid Mastercard.

What can I do with the Vivid e-Wallet?

With the Vivid e-Wallet, you will be able to view your transactions performed on Vivid Prepaid Mastercard, transfer funds to/from your Vivid Savings account to the e-Wallet and/or Vivid Prepaid Mastercard. You can also block/suspend the Vivid Prepaid Mastercard if you misplace it.

Who is eligible for SFL Vivid e-Wallet?

SFL Vivid Account Holders who have opted for a Vivid Card will be eligible to sign up for a Vivid e-Wallet on the mobile application.

Can I don’t install the Vivid e-Wallet?

You need the e-Wallet to manage the card and perform necessary digital transactions. Without the e-Wallet, you will not be able to make use of all the digital functions of the account.

How can I top up my Vivid e-Wallet ?

You can top up/load your Vivid e-Wallet by selecting “Top Up” on the home tab from the mobile application. The action of “Top-up” is a withdrawal from your Vivid Savings Account and direct crediting to your e-Wallet. Hence the bank will send you an OTP at your registered mobile number to validate your transaction request.

I have transferred/top up $XXXX from my Vivid Savings account to my e-wallet/Vivid Prepaid Mastercard. Is this amount covered under SDIC?

The SDIC will only cover your deposits in the Vivid Savings Account. Funds stored in the E-Wallet and/or Vivid Prepaid Mastercard is not insured by SDIC.

Can I use the money in my e-Wallet to pay for purchases such as Grab ride, online shopping etc?

No you can’t. The e-Wallet is strictly to function as a bridge between the Vivid Savings account and the Vivid Prepaid Mastercard and cannot be used for 3 rd party purchases or transactions.

Questions Relating To The Vivid Prepaid Mastercard

What is the Vivid Prepaid Mastercard?

The Vivid Prepaid Mastercard is a fully functional prepaid card jointly issued by Singapura Finance Ltd and MatchMove Pay Pte Ltd under the Mastercard brand name. It can be used on any Mastercard Point- of-sale worldwide and online shopping as a payment option.

How is the Vivid Prepaid Mastercard different from a credit card?

A credit card is a payment card that is issued by a bank (the card issuer). The card issuer will grant a revolving line of credit to the cardholder. The cardholder can utilize up to the full extent of the revolving line of credit. The cardholder will have to pay the amount used and interest at specific interval as stipulated under the card agreement.

The Vivid Prepaid Mastercard is a payment card issued by Singapura Finance Ltd and MatchMove Pay Pte Ltd. The cardholder can load/top up the card with any amount of money from his Vivid Savings account and use the card for payment options. The money used is deducted from the amount loaded and there is no need for the cardholder to “repay” the money or interest.

How is the Vivid Prepaid Mastercard different from a debit card?

A debit card is a payment card that is issued by a bank (the card issuer) and which is linked directly to the cardholder’s savings account with the card issuer. The cardholder can utilize up to the full extent of the monies in the savings account. There is no need for the cardholder to “repay” the money or interest.

The Vivid Prepaid Mastercard is a payment card issued by Singapura Finance Ltd and MatchMove Pay Pte Ltd. The cardholder can load/top up the card with any amount of money from his Vivid Savings account and use the card for payment options. The money used is deducted from the amount loaded and there is no need for the cardholder to “repay” the money or interest.

What is the advantage of having a Vivid Prepaid Mastercard as compared to a credit card/debit card?

The main advantage of a prepaid card is that in the event that a prepaid card is stolen or the account hacked into, the amount of loss is limited to the amount remaining on the card unlike In the case of a credit card where the loss can be up to the full amount of the credit limit unutilized or the full amount in the savings account in the case of a debit card.

For the Vivid Prepaid Mastercard, the cardholder can limit his loss even earlier by unloading the money in the Vivid Prepaid Mastercard to the Vivid e-Wallet.

There is no minimum income requirement to apply for a VIVID PREPAID MASTERCARD unlike a credit card where current legislation requires the cardholder to have a minimum annual income of $30,000.00 to qualify for a credit card.

Why should I apply for the Vivid Prepaid Mastercard instead of any other prepaid card?

Unlike any standalone prepaid card, the Vivid Prepaid Mastercard is linked to your Vivid Savings account through the e-Wallet and you can easily transfer funds to and fro. Most prepaid card will not allow you to unload the money in the card once you have top up.

The Vivid Prepaid Mastercard also comes with a dynamic CVC for online purchases. This means if the card is lost or your online shopping account is hacked, the fraudster will not be able to use the card since there is no CVC.

How can I get my Vivid Prepaid Mastercard?

If you have opted for a Vivid Prepaid Mastercard during the Vivid account application sign up process, simply sign up for an e-Wallet account after successful activation of the account. Your card will be mailed to your registered address with SFL within 7-14 days after creation of your e-Wallet account.

Can I apply for a Vivid Prepaid Mastercard without opening a Vivid Savings account?

No you can’t. The Vivid Prepaid Mastercard is a by-product of the Vivid Savings account and cannot be applied for separately.

I am a retiree/unemployed. Can I apply for the Vivid Prepaid Mastercard?

Yes you may as long as you open a Vivid Savings account

Can I perform a cash withdrawal from the ATM machine?

No. In line with the government policy of promoting a cashless society, cash withdrawal from ATM machine has been limited as a default setting. To activate this function, you will need to request for a pin. A fee of $5 is chargeable to enable or reset of ATM Pin. In addition, as Singapura Finance Ltd does not operate the physical ATM’s, the banks will imposed a fee for each transaction performed at their ATM. For more details on the related charges, please refer to https://sfl.sg/charges.php

How do I top up/add value to my Vivid Prepaid Mastercard ?

You can load your Vivid Card through Vivid e-Wallet with the following steps:

Tap “Cards” tap, Tap “Load” button.

How do I transfer funds from Vivid Prepaid Mastercard to Vivid e-Wallet?

Tap on the “Cards” tab. Select the card you wish to unload and tap the “Unload” button

Can I use the Vivid Prepaid Mastercard for travelling on bus/mrt?

Yes you can. You just need to tap and go.

Can I use the Vivid Prepaid Mastercard for online purchase?

Yes you can. The Vivid Prepaid Mastercard is accepted on all sites that accepts Mastercard payment

I key in the CVC “888” on the back of the card for my online purchase and the purchase was rejected. Why is this so?

The CVC “888” is not the actual CVC. For your protection against fraud, the Vivid Prepaid Mastercard has a dynamic CVC. For online purchase, you just need to press the “Generate CVC” on the e-Wallet app to generate a new CVC for each purchase.

I lost my Vivid Prepaid Mastercard. How do I block the card?

At the current moment, there is no option available to suspend or block the Vivid Prepaid Mastercard. However, you should immediately unload/transfer any remaining money in the Vivid Prepaid Mastercard to your Vivid e-Wallet. Thereafter, you can request for a new Vivid Prepaid Mastercard.

Questions Relating To The Lucky Draw

Where can I check the result of the monthly/lucky draw?

The result of the monthly and Grand Draw will be published on our website at www.sfl.sg within 2 days after the close of the draw. In addition, winners will be contacted directly via email and our staff will also contact the winners directly.

I have recommended 10 friends to open the Vivid Savings account. Does this mean I will have 10 more chances?

You will get 1 additional chance for every successful referral i.e. your referee must open the Vivid Savings account and fulfilled all the stipulated requirements.

I have won $100 for the monthly draw for the month of November. Will I still be able to win in the subsequent monthly draw?

Yes you will be eligible for each monthly draw as well as the Grand Draw

I have referred my friend to open the account. How can I be sure that I will get the additional chance to win in the lucky draw?

To qualify for the referral, your friend must have successfully open the account and also include your registered mobile number in the referral page of the Vivid application form. If he/she does not include your registered phone number, we will not be able to credit the additional chance to you.

I intend to open the Vivid Savings account but don’t want the Vivid Prepaid Mastercard. Can I still participate in the Lucky Draw?

No you can’t. You need to have the Vivid Prepaid Mastercard and use it at least once in order to qualify for the Lucky Draw.

Experience Vivid

I made the smart choice

Vivian proudly shares her discovery of Vivid card and its sign up process with Victor. But never would she have expected Victor's response to her!

Watch the video to find out what happened.

I am in control

What do you think is the one thing in common that Vivian, Victor and all of us want when it comes to managing our lives? Think you got the answer?

Watch this video to find out. Oh, and you may just see the Vivian and Victor in you.

I feel more secure

Vivian and Victor happily started the next important milestone in their lives, just to be reminded that life's never all smooth sailing. But thankfully for these pair of friends, their choice of having a Vivid Life proves to be a really smart one.

You'll find yourself asking - what would you do to feel more secure? Enjoy the video!