Endowus Promo Code 2026: Latest Offers, Referral Bonus & How to Claim
Use referral code 2V343 when signing up for Endowus in 2026 to earn fee credits. Here’s every current offer, how the referral programme works, and whether Endowus is worth it for Singapore investors. Not financial advice.
Looking for an Endowus promo code in 2026? You’re in the right place. Endowus is Singapore’s leading CPF, SRS and cash investment platform — and it regularly runs referral and promotional offers that let new investors get a head start with fee credits.
The current Endowus referral code is 2V343. Enter it when you create your account and invest at least S$1,000 — both you and the person who referred you will each receive S$20 in Endowus Fee credits (equivalent to S$10,000 advised for free for 6 months).
In this guide we cover: what the promo code unlocks, every active 2026 promotion, how Endowus fees work, and whether the platform makes sense for your portfolio.
1. Current Endowus Promo Code 2026
The active Endowus promo code for May 2026 is:
2V343
What you get: S$20 in Endowus Fee credits when you sign up with the referral code and invest a minimum of S$1,000. Your referee also receives S$20. Fee credits are equivalent to S$10,000 in assets advised for free for 6 months (based on Endowus’s 0.40% CPF/SRS fee).
Who can use it: New Endowus customers in Singapore only. Valid for Cash, CPF and SRS investments.
Alternatively, use the direct referral link on our Endowus Referral Code page which pre-fills the code automatically.
2. How the Endowus Referral Programme Works
Endowus runs a Refer-a-Friend programme where both the referrer and the new investor earn fee credits when three conditions are met:
- The new investor signs up using a valid referral code (e.g. 2V343).
- They invest a minimum of S$1,000 in any Endowus portfolio (Cash, CPF-CPFIS, or SRS).
- The investment remains in the account for at least 90 days.
Once all three conditions are satisfied, Endowus automatically applies S$20 in fee credits to both accounts at the end of the next quarterly billing cycle. No manual redemption is needed.
There is no cap on referrals — the more friends you refer, the more fee credits you accumulate. Credits offset your Endowus Fee every quarter until exhausted.
Fee Credit Example
S$20 in fee credits = S$10,000 managed for free for 6 months (at the 0.40% p.a. CPF/SRS rate). For a Cash portfolio at 0.60% p.a., the same S$20 credit covers roughly S$6,667 for 6 months.
3. All Active Endowus Promotions in 2026
Beyond the standard referral bonus, Endowus has run several promotions in 2026. Here’s a summary of what has been available and what to watch for:
| Promotion | Offer | Status |
|---|---|---|
| Refer-a-Friend (ongoing) | S$20 fee credits for referrer + referee (min S$1,000, held 90 days) | Active |
| SAFRA Member Offer | S$50 off Endowus Fee for 6 months (new clients only) | Active (SAFRA members) |
| SG60 Celebration Offer | S$60 fee credit for new investors (min S$1,000 by deadline) | Limited-time — check Endowus site |
| CNY 2026 Promo | S$28 off Endowus access fee for new sign-ups (ended 3 March 2026) | Expired |
Tip: Promotions change frequently. Always verify current terms at endowus.com before signing up.
4. Endowus Fee Structure Explained (2026)
Understanding fees is critical before investing. Endowus charges an all-in Endowus Fee that replaces trailer fees (which Endowus rebates back to investors):
| Portfolio Type | Endowus Fee (p.a.) | Notes |
|---|---|---|
| CPF (CPFIS) | 0.40% flat | No minimum AUA; applies to all CPF OA/SA investments |
| SRS | 0.40% flat | Same rate as CPF |
| Cash (≤S$200k) | 0.60% p.a. | Reduces as AUA grows |
| Cash (S$200k–S$1M) | 0.50% p.a. | |
| Cash Smart | 0.15% p.a. | Money market & short duration bond portfolios |
All fees are subject to 9% GST. Fees are charged quarterly based on daily average AUA. Endowus rebates 100% of trailer fees received from fund managers back to investors — a meaningful advantage over traditional fund platforms.
For CPF investing in particular, 0.40% p.a. is competitive given that you’re gaining access to institutional funds (Dimensional, PIMCO, BlackRock) not available through standard brokerage accounts.
5. Is Endowus Worth It for Singapore Investors?
Endowus stands out for three main reasons in 2026:
CPF and SRS integration. It is one of the very few platforms that allows Singaporeans to invest their CPF-OA and SRS money into globally diversified, low-cost unit trusts — including funds from Dimensional Fund Advisors, PIMCO and BlackRock. Most robo-advisors only accept cash.
Trailer fee rebates. Fund managers pay distribution fees (trailer fees) to platforms that sell their funds. Endowus rebates these 100% back to investors. This can effectively cut the total expense ratio of funds by 0.30%–0.60% p.a. compared to buying through a traditional platform.
Cash Smart for emergency funds. The Cash Smart Secure and Enhanced portfolios offer competitive short-term yields — better than most savings accounts — with daily liquidity. Q1 2026 returns were 0.4% (Secure) and 0.2% (Enhanced) for the quarter alone.
Who benefits most: Investors who want to put their CPF-OA to work beyond the default 2.5% floor, SRS account holders approaching retirement, and those looking to park emergency funds in higher-yielding money market instruments.
For more context on how Endowus fits into a broader Singapore investment strategy, see our CPF Investment Strategy guide and our comparison of the best S-REIT ETFs for Singapore investors.
6. Endowus vs Other Singapore Robo-Advisors (2026)
Here’s how Endowus compares to its main Singapore peers on the metrics that matter most for a typical retail investor:
| Platform | CPF/SRS Investing | Fees (Cash) | Min. Investment |
|---|---|---|---|
| Endowus | ✅ CPF-OA, CPF-SA, SRS | 0.60% p.a. | S$1,000 |
| Syfe | SRS only | 0.35%–0.65% p.a. | No minimum |
| FSMOne | CPF-OA, SRS | 0.085%–0.50% (brokerage) | S$100 |
For a full breakdown of Syfe’s offering, see our Syfe referral code page. For FSMOne, see our FSMOne referral code guide.
7. Step-by-Step: How to Claim Your Endowus Promo Code
- Click the referral link — visit our Endowus Referral Code page to get the pre-filled sign-up link.
- Create your Endowus account — you’ll need your SingPass for MyInfo verification (takes under 5 minutes).
- Enter the promo code — if using the direct link, code 2V343 is pre-filled. Otherwise enter it manually in the referral code field during sign-up.
- Choose your portfolio — select from Cash (Flagship, Income, ESG), Cash Smart, CPF (CPFIS), or SRS portfolios.
- Fund your account — invest at least S$1,000 to activate the referral reward.
- Hold for 90 days — keep the investment for at least 3 months. Credits are applied at the end of the next quarterly billing cycle.
Note: Fee credits are applied automatically — no voucher redemption needed. Check your Endowus dashboard after the quarterly billing date.
8. FAQ — Endowus Promo Code 2026
What is the current Endowus promo code for 2026?
The current Endowus referral/promo code is 2V343. Enter it during sign-up to earn S$20 in Endowus Fee credits for both you and the referrer, provided you invest at least S$1,000 and hold for 90 days. You can also use the pre-filled referral link on our Endowus Referral Code page.
Does the Endowus promo code work for CPF investments?
Yes. The referral bonus applies to Cash, CPF (CPFIS-OA and SA) and SRS investments. As long as you invest at least S$1,000 across any combination of these and hold for 90 days, the S$20 fee credit will be applied to your account.
Can I combine the Endowus referral code with other promotions?
Generally, Endowus promotions can be stacked unless the T&Cs specifically say otherwise. For example, a SAFRA member who also uses a referral code may receive both the SAFRA S$50 offer and the referral S$20 credit. Always confirm with Endowus directly as terms change.
How long does it take to receive my Endowus fee credit?
Fee credits are applied at the end of the quarterly billing cycle after your referee’s 90-day hold period is complete. This means it can take up to 6 months from the date of your investment before the credit shows up, depending on when in the quarter you joined.
Is Endowus safe? Is it MAS-regulated?
Yes. Endowus is licensed by the Monetary Authority of Singapore (MAS) as a Capital Markets Services (CMS) licence holder. Client assets are held in trust accounts with UOB Kay Hian and are segregated from Endowus’s own balance sheet. Endowus has been operating since 2017 and manages billions in AUM as at 2026.
What is the minimum investment for Endowus?
The minimum initial investment is S$1,000. Subsequent top-ups can be made in smaller amounts (typically S$100 minimum). The S$1,000 threshold is also what triggers the referral bonus, so it aligns well with most investors’ starting amount.
Other Singapore Referral Codes & Promos
Looking for more savings? Check out these other platforms we use and recommend:
- Syfe Referral Code 2026 — Get fee-free investing for your first few months
- FSMOne Referral Code 2026 — Singapore’s cheapest CDP-linked broker
- MariBank Referral Code 2026 — DBS-backed digital bank with competitive savings rates
- Endowus Referral Code 2026 — Full referral page with direct sign-up link