Like Credit But Debit a Vivid Prepaid Mastercard
That Fits Your Lifestyle

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 16.

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.

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

Vivid Savings Account Interest Rates

* Interest rates quoted are subject to change at any time without prior notice. Terms and conditions apply.
^ Interest rate is calculated based on each end day balance in your Vivid Savings Account and credited at the end of the month.
*** The entire Vivid Account balance will be calculated at 0.25% (P.A) if it exceeds S20,000 (including interest credit).

How does the interest rate work?

Eg: You maintain your savings with no withdrawals daily between October – December

* The entire Vivid Account balance is calculated at 0.25% (P.A) as it exceeds $20,000 after the credit of interest.
These calculations are for illustrative purposes only and are not representatives, warranties or assurances of the actual interest credited.

Earn Cash Credit

Sign up for a Vivid Savings Account and Vivid Prepaid Card and receive a $5 cash credit to your Vivid Savings Account. Refer a friend to open a Vivid Savings Account and receive a $10 cash credit for each successful referral. Offer valid only for sign up during promotion period of 1 July 2020 to 31 December 2020. Terms and conditions apply.

Terms & Conditions

VIVID ACCOUNT REFERRAL PROGRAM

The Vivid Referral Program is valid between 1 April 2020 – 31 December 2020 both dates inclusive.

A Referrer must be an existing Vivid Savings Account holder before he/she can refer someone (“New Customer”) to open a Vivid Savings account.

The New Customer must not be an existing Vivid Savings Account holder or has closed a Vivid Savings Account within the past 12 months.

The Referrer will receive a $10 Cash Credit to their Vivid Savings Account for every successful referral.

The referral is considered successful when:

  • The*New Customer* submits a Vivid Account Application online indicating the Referrer’s mobile number under the “Referral” column within the Promotional period; and
  • The New Customer’s Vivid Savings Account is successfully registered and activated with a minimum of SGD500 initial deposit.

Upon successful referral, the Cash Credit will be credited to the Referrer’s Vivid Savings Account after Singapura Finance determines at its absolute discretion that the criteria under this Referral Program has been met.

Crediting of the Cash Credit will be on the 15th of each month.

To ensure the confidentiality of Singapura Finance Vivid Account customers, Singapura Finance will not be able to disclose the status of the application to anyone other than the New Customer.

For the avoidance of doubt:

Referrers will not be entitled to receive the Cash Credit if

  1. He or she is not an existing Vivid Savings Account holder OR
  2. The New Customer Is an existing Vivid Account Holder; OR
  3. The New Customer had previously closed a Vivid Savings account within the past 12 months
NEW SIGN UP CAMPAIGN

The Vivid New Sign up Campaign is valid from 1 July 2020 – 31 December 2020 both dates inclusive.

New Vivid Account Holders will receive a $5 Cash Credit to their Vivid Savings Account for every successful sign up.

The sign up is considered successful when:

  • The applicant submits a Vivid Account Application online within the Promotional period; and
  • The applicant is not an existing Vivid Account holder or has closed a Vivid Savings Account during the past 12 months.
  • The Vivid Savings Account is successfully registered and activated with a minimum of SGD500 initial deposit to the Vivid Savings Account.

The new sign up cash will be credited to the successful applicant’s Vivid Savings Account after Singapura Finance determines at its absolute discretion that the criteria under this campaign has been met.

The new sign up cash will be credited on the 15th of each month.

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: 16 years and above

Nationality: Singaporean and PR only

Deposit Insurance Scheme

#1 Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000.00 in aggregate per depositor per Scheme member by law.
For a complete listing of the insured deposit, please click here.

#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.

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.

If you still wish to do so, you may, but there will be a $3 fee per transaction for over the counter transaction.

This transaction fee is currently waived till 31 December 2020.

Can I withdraw my money over the counter?

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

Do know however, that this transaction fee is currently waived till 31 December 2020.

In line with the objective of the Vivid Savings account, customers are encouraged to make use of the Vivid Prepaid Card to perform transactions 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. Singapura Finance Ltd do not operate any physical ATM currently. In line with the government policy of promoting a cashless society, cash withdrawal from other financial institutions’ ATM machine is not a default option. You can, however activate this function. You will need to request for a pin. A fee of $5 is chargeable each time, to enable or reset the pin and the fee will be, deducted from your account. In addition, the ATM operating 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 request for an ATM Pin?

You can request for an ATM Pn through the Helpdesk hotline 68800668.

I have requested for ATM Pin through the Helpdesk hotline. When and how will it be sent to me?

Your Pin will be sent to you via SMS to your registered mobile number the next business day
upon approval.

Is there any charge for the ATM Pin?

There will be a fee of $5 for each ATM Pin request. The $5 fee will be debited from your Vivid Savings account.

Why is my request for an ATM Pin unsuccessful?

Please ensure that you have sufficient balance in your Vivid Savings account in order for the relevant department to process your request smoothly.

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?

You can report the loss of the Vivid Prepaid Mastercard through our Helpdesk 68800668. The card will be suspended the next working day. Meanwhile, you should unload the remaining cash value on the card to the e-Wallet.

I lost my Vivid Prepaid Mastercard. How do I get a replacement card?

You can request for a new Vivid Prepaid Mastercard through our Helpdesk 68800668. The card will be sent to you to your registered mailing address within 7 business days.

Is there any fee for the replacement card?

There will be a fee of $20 for each card replacement.

Why is my request for a Replacement of Card unsuccessful?

Please ensure that you have sufficient balance in your Vivid Savings account in order for the relevant department to process your request smoothly.

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!