Endowus Promotion Singapore 2026: Latest Sign-Up Bonuses & Codes

The current Endowus promotion gives you and your friend S$20 in fee credits when you sign up with referral code 2V343. Here is how it works, how it compares to Syfe and StashAway, and how to claim it. Not financial advice.

Endowus’s current promotion is a S$20 fee credit for both you and your friend when you sign up with referral code 2V343, invest at least S$1,000, and hold it for 90 days. That credit offsets platform fees automatically, with no voucher to redeem. Syfe and StashAway run their own separate offers, which are worth comparing before you commit your money.

Not financial advice. All figures are for educational reference only. Data verified as at 9 August 2026 unless noted.

Table of Contents

1. The Current Endowus Promotion

Endowus is Singapore’s largest digital advisor for CPF, SRS and cash investments. It regularly runs a refer-a-friend promotion that rewards both sides of a referral with fee credits.

The active Endowus promo code is 2V343. When you sign up with this code and invest at least S$1,000, you and the person who referred you each receive S$20 in Endowus Fee credits. That is a robo-advisor’s version of cashback — instead of cash in your bank account, it reduces what you pay Endowus over the following quarters.

You can apply the code directly at sign-up, or use our Endowus referral code page, which pre-fills 2V343 for you automatically. There is no cap on how many friends you can refer, so the credits can stack up if several people in your family or friend group sign up through you.

However, always check endowus.com/promotions directly before you commit, since Endowus periodically layers short-term campaigns (for example, seasonal or bank-partner offers) on top of the standard referral bonus. These time-limited campaigns come and go quickly, so the S$20 referral credit is the offer you can count on being live year-round.

2. How the Referral Programme Works

A robo-advisor is a platform that builds and manages an investment portfolio for you, using algorithms and a small team of advisors instead of a traditional face-to-face financial planner. Endowus’s referral programme sits on top of this service and pays out once three conditions are met.

1. You sign up using a valid referral code, such as 2V343.
2. You invest at least S$1,000 in any Endowus portfolio — Cash, CPF (CPFIS-OA or SA), or SRS.
3. You hold that investment for at least 90 days without a full withdrawal.

Once you clear all three steps, Endowus credits S$20 to both your account and your referrer’s account. This happens automatically at the end of the next quarterly billing cycle — you do not need to submit a claim form or redeem a voucher code.

Here is a concrete example. Say you invest S$1,000 into a CPF portfolio, which charges 0.40% a year. Your normal annual fee on that amount would be S$4. A S$20 credit therefore covers roughly five years of fees on that specific sum, or a much shorter period if you invest a larger amount. The bigger your investment, the faster the credit gets used up — but it is still free money for simply telling a friend about the platform.

3. Endowus Fee Structure 2026

Before you chase any promotion, it helps to understand what you will actually pay once the bonus runs out. Endowus charges a single “Endowus Fee” that bundles advice, platform access and rebalancing — there are no separate sales charges.

Source: Endowus Pricing page, accessed 9 August 2026. Fund-level fees (TER) are charged separately by fund managers and embedded in each fund’s price.

Endowus also rebates 100% of the trailer fees it receives from fund managers back to you as cashback, which lowers your effective cost further. This matters most for CPF-OA money, which otherwise sits at the CPF Board’s default 2.5% floor. For a deeper look at how to sequence your CPF, SRS and cash investments together, see our CPF investment strategy guide.

4. Endowus vs Syfe vs StashAway Promotions (August 2026)

Endowus is not the only robo-advisor running a promotion right now. Here is how the three main Singapore platforms compare as at 9 August 2026.

Source: Endowus Promotions, Syfe Promotions, StashAway Welcome Bonus, all accessed 9 August 2026.

These offers change often, and platforms sometimes run limited seasonal campaigns (National Day, Chinese New Year, and so on) on top of their standing promotion. Read the fine print before signing up — a headline bonus figure is not useful if you cannot actually meet the qualifying deposit or holding period.

If Syfe’s SRS or brokerage features look like a better fit for your goals, our Syfe referral code and sign-up bonus page has the full breakdown, including promo code SRPRFFFCD for readers of this site.

5. Who Endowus Is a Good Fit For

Endowus stands out for one reason above all others: it is one of the few platforms in Singapore that lets you invest your CPF-OA, CPF-SA and SRS money, not just cash. That makes the referral bonus especially useful if you have idle CPF or SRS funds sitting at low default interest rates.

You will likely benefit most from Endowus if you fall into one of these groups:

• You want to put CPF-OA to work beyond the 2.5% p.a. floor, using institutional-class funds from managers like Dimensional, PIMCO and BlackRock.
• You hold an SRS account and want tax relief today plus long-term growth, rather than letting SRS cash sit at a low bank rate.
• You want an emergency fund parked somewhere better than a savings account, using Cash Smart at 0.15% p.a.

On the other hand, if you mainly want to trade individual US or Singapore stocks and ETFs yourself, a brokerage-style platform may suit you better. A useful rule of thumb: if you plan to invest for more than three years and want a hands-off, professionally rebalanced portfolio, the ongoing 0.40%-0.60% fee is usually easy to justify against the time you save. If you plan to actively pick individual counters or trade frequently, a pure brokerage account with per-trade commissions may work out cheaper over time. Think about your investing style first, then let the referral bonus be a bonus — not the main reason you choose a platform. For CPF-OA investors who also want low-cost SGX access, our FSMOne referral code page covers Singapore’s cheapest CDP-linked broker as an alternative. And if you are still mapping out your retirement number before choosing a platform, run your numbers through our Singapore retirement planning calculator first.

6. Step-by-Step Sign-Up Walkthrough

Claiming the current Endowus promotion takes about five minutes. Here is exactly what to do.

1. Start from our referral link. Visit our Endowus referral code page so that code 2V343 is pre-filled for you.
2. Create your account. You will need Singpass for MyInfo verification, which usually takes under five minutes.
3. Confirm the referral code. If you signed up manually instead of through the link, enter 2V343 in the referral field during onboarding.
4. Choose a portfolio. Pick from Cash (Flagship, Income, ESG), Cash Smart, CPF (CPFIS), or SRS, depending on which pool of money you are investing.
5. Fund your account with at least S$1,000. This is the minimum needed to trigger the referral reward.
6. Hold for 90 days. Avoid a full withdrawal during this window, otherwise the referral bonus will not be paid out.

After the 90 days pass, Endowus applies the S$20 fee credit automatically at the next quarterly billing date. You do not need to contact support or submit any proof — just check your account statement after the billing cycle closes.

FAQ — Endowus Promotion 2026

More Digital Bank & Robo-Advisor Offers

If you are stacking up sign-up offers this month, here are a few more worth checking:

• Endowus Referral Code 2026 — full referral page with the pre-filled 2V343 link
• Syfe Referral Code 2026 — current fee-waiver and cash-credit offer
• FSMOne Referral Code 2026 — Singapore’s cheapest CDP-linked broker

Not financial advice. Referral programmes and promotional terms change without notice — always confirm current terms on the provider’s official site before signing up.