Trust Bank¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer, other |
| Source layers | official, user_reported |
| Routes / regions / hotels | Japan, South Korea |
| Currencies | cashback, interest, Linkpoints |
Community-Learned Rules and Datapoints¶
Citibank Korea via ATM Withdrawal: MCC 6011 (exception, user verified, risk: low)¶
User reported that for fee-free ATM cash withdrawals in South Korea using a Trust Card, users can use Citibank Korea ATMs and select the 'Citibank' option on the screen. NH Bank ATMs have started charging fees.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Citibank Korea |
| Card | Trust Link Card |
| Route | ATM Withdrawal |
| MCC | 6011 |
| Programme | Trust Bank |
| Programme type | other |
| Award route / region | South Korea |
| Fees / surcharges | Saves 4,500 to 5,000 KRW local ATM fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T03:30:23+00:00 |
| Observed result | Citibank Korea ATMs do not charge withdrawal fees when selecting the 'Citibank' option, whereas NH Bank ATMs now charge a fee of around 4,500 to 5,000 KRW. |
| Caveat | Users must actively select the 'Citibank' option on the ATM screen during withdrawal. Citibank ATMs are relatively rare in South Korea. |
Claim 11855 (user verified, risk: low)¶
The Trust Cashback card is strictly a credit card and does not support switching between credit and debit card modes, unlike the Trust Link card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Trust Bank |
| Card | Trust Cashback Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T14:37:38+00:00 |
| Observed result | Users cannot switch Trust Cashback card to debit mode. |
| Public/official layer | Trust Cashback card is issued solely as a credit card product. |
| Caveat | Only the Trust Link card supports dual credit/debit switching. |
Claim 11767 (user verified, risk: low)¶
The Trust Cashback card is strictly a credit card and does not support a debit option, unlike the Trust Link card which allows switching between credit and debit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Trust Cashback Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T14:37:38+00:00 |
| Observed result | Users clarified that Trust Cashback has no debit option, unlike the Trust Link card |
| Public/official layer | Trust Cashback card is issued as a credit card only |
Claim 16486 (risk: low)¶
Trust Cashback Card is dropping its foreign exchange (FX) cashback rate to 0.5%.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Card | Trust Cashback Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 0.5% FX cashback |
| Devaluation risk | high |
| Last verified | 2026-01-29 |
| Last seen | 2026-01-29T15:34:46+08:00 |
| Public/official layer | FX cashback rate is reduced to 0.5% |
| Caveat | Announced in late January 2026 |
Claim 14008 (user verified, risk: low)¶
Standard Chartered Trust Card offers a S$20 NTUC rebate monthly upon meeting a minimum spend of S$350 in a month.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NTUC FairPrice |
| Card | Standard Chartered Trust Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | Linkpoints |
| Devaluation risk | low |
| Last verified | 2025-03-31 |
| Last seen | 2025-04-01T11:40:29+00:00 |
| Observed result | Achieve S$350 spending per month to get S$20 NTUC rebate monthly. |
| Caveat | Subject to meeting the monthly minimum spend of S$350. |
Claim 14273 (user verified, risk: low)¶
Withdrawing cash (Korean Won) using a Trust Bank card linked to a savings account at international ATMs offers highly competitive exchange rates compared to local money changers.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | International ATM |
| Card | Trust Card |
| Route | ATM |
| Programme | Trust Bank |
| Programme type | other |
| Award route / region | South Korea |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T07:54:37+00:00 |
| Observed result | Withdrew KRW at a rate of 1024 KRW per 1 SGD, compared to money changers offering 989 to 995 KRW. |
| Caveat | ATM operator fees may apply depending on the specific ATM machine used. |
Claim 14181 (user verified, risk: low)¶
Withdrawing Korean Won (KRW) cash using a Trust Card at international ATMs in South Korea offers highly competitive exchange rates compared to traditional money changers.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | International ATM |
| Card | Trust Card |
| Route | ATM Withdrawal |
| Programme | Trust Bank |
| Programme type | other |
| Award route / region | South Korea |
| Fees / surcharges | No foreign transaction fee from Trust |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T08:02:56+00:00 |
| Observed result | User observed an exchange rate of 1024 KRW/SGD via Trust ATM withdrawal vs 989-995 KRW/SGD at local money changers. |
| Caveat | Subject to ATM operator fees if applicable, though Trust itself does not charge foreign transaction fees. |
Trust Bank (exception, user verified, risk: low)¶
User reported that trust Bank salary crediting bonus criteria can be satisfied via self-transfer.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Trust Bank |
| Programme | Trust Bank |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2024-11-26T02:52:55+00:00 |
| Observed result | Self-transfer successfully triggers the salary crediting benefit |
| Public/official layer | Salary crediting typically requires GIRO transaction with specific transaction codes |
| Caveat | User verified that self-transfer works for salary crediting |
Merchant (exception, user verified, risk: low)¶
User reported that trust Bank allows self-transfers to satisfy the salary crediting requirement for bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | Trust Bank |
| Programme type | other |
| Devaluation risk | low |
| Last seen | 2024-11-26T02:52:55+00:00 |
| Observed result | Users confirmed self-transfer works for salary crediting |
Merchant (exception, user verified, risk: low)¶
User reported that trust Bank allows self-transfer to satisfy the salary crediting requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | Trust Bank |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T02:52:55+00:00 |
| Observed result | Self-transfer works for Trust Bank salary crediting |
| Public/official layer | Typically requires official salary crediting via GIRO/SALA transaction codes |
| Caveat | Subject to bank T&Cs which may change |
Merchant (exception, user verified, risk: low)¶
User reported that trust Bank allows self-transfer to satisfy the salary crediting requirement for bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | Trust Bank |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T02:52:55+00:00 |
| Observed result | Users confirmed self-transfer successfully triggers the salary crediting status. |
| Public/official layer | Official T&Cs usually require a valid GIRO salary credit. |
| Caveat | Subject to future T&C changes by the bank. |
Merchant (exception, user verified, risk: low)¶
User reported that trust Bank salary crediting bonus interest can be triggered via a self-transfer.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | interest |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T02:52:55+00:00 |
| Observed result | Users verified that self-transfer works to trigger salary crediting for Trust Bank. |
| Public/official layer | Salary crediting typically requires GIRO with SAL/SAB transaction codes. |
| Caveat | Subject to bank T&C changes on transaction descriptions. |
Merchant (exception, user verified, risk: medium)¶
User reported that the Trust Cashback card may experience frequent transaction declines or fraud blocks when used overseas (such as in Japan or the US), whereas the older Trust NTUC Link card is reported to have better acceptance.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Card | Trust Cashback Card |
| Programme | Trust Bank |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T01:17:42+00:00 |
| Observed result | Trust Cashback card repeatedly declined for meals, car rentals, and petrol in Japan and US due to suspected fraud triggers. |
| Caveat | Declines are often triggered by Trust's automated fraud detection systems rather than merchant terminal issues. |
Japan merchants (exception, user verified, risk: medium)¶
User reported that trust Card physical card transactions are frequently rejected at various merchants in Japan, including for meals, car rentals, and petrol.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Japan merchants |
| Card | Trust Card |
| Programme | Trust Bank |
| Programme type | bank_transfer |
| Award route / region | Japan |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T00:13:40+00:00 |
| Observed result | Repeatedly rejected when inserted at Japanese merchants for meals, car rentals, and petrol. |
| Public/official layer | Trust Card should work globally wherever Visa is accepted. |
| Caveat | Based on user experience with physical card insertion |
Claim 17430 (risk: low)¶
Trust Bank is recommended for credit card usage, while GXS Bank (or Trust Bank if meeting bonus interest requirements) is recommended for savings.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Trust Bank |
| Card | Trust Card |
| Programme | Trust Bank |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-15 |
| Last seen | 2024-11-15T14:26:01+00:00 |
| Caveat | Trust Bank savings require fulfilling specific criteria to unlock higher interest rates. |
Claim 17491 (user verified, risk: low)¶
Trust Cashback Card offers unlimited 1.5% cashback for new users and 1% cashback for existing users on local and overseas spends with no annual fees.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Trust Cashback Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-14 |
| Last seen | 2024-11-14T01:19:20+00:00 |
| Observed result | Unlimited cashback with competitive FX rates. |
| Public/official layer | 1.5% cashback for new users, 1% for existing users on local and overseas spends. |
| Caveat | Existing users only receive 1% cashback. |
Claim 17490 (user verified, risk: low)¶
Trust Link Card allows overseas ATM withdrawals with no extra fees and competitive FX rates, but the card must be set to debit mode when withdrawing.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Trust Link Card |
| Programme | Trust Bank |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-14 |
| Last seen | 2024-11-14T04:04:47+00:00 |
| Observed result | Successful fee-free overseas ATM withdrawal when in debit mode. |
| Public/official layer | No fee overseas ATM withdrawals with competitive FX rates. |
| Caveat | Card must be switched to debit mode for the withdrawal. |
Claim 18448 (user verified, risk: low)¶
Trust Bank is reducing its maximum interest rate from 3.5% p.a. to 3.0% p.a. effective 1 December 2024, while keeping the maximum balance cap at S$800,000.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Card | Trust Card |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | interest |
| Devaluation risk | medium |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T12:01:23+00:00 |
| Observed result | Official notification sent to customers regarding the interest rate drop. |
| Public/official layer | Maximum interest rate drops to 3.0% p.a. from 1 December 2024. |
| Caveat | Effective from 1st December 2024. |
7-Eleven, FamilyMart, Lawson, New Days: MCC 5499 (exception, user verified, risk: low)¶
User reported that trust Cashback Card earns 15% cashback at major Japanese convenience stores (7-Eleven, FamilyMart, Lawson) which reliably code as MCC 5499, but New Days stores in JR stations are unpredictable and may not code as 5499.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | 7-Eleven, FamilyMart, Lawson, New Days |
| Card | Trust Cashback Card |
| MCC | 5499 |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Miles / points | 15% cashback |
| Devaluation risk | low |
| Last seen | 2024-10-29T10:57:49+00:00 |
| Observed result | 7-Eleven, FamilyMart, and Lawson reliably code as 5499; New Days sometimes does not |
| Caveat | New Days outlets in JR buildings are an exception and may not code as 5499 |