Endowus Promo Code 2026: Latest Offers, Referral Bonuses & How to Maximise Your Fee Credits

Looking for the latest Endowus promo code in 2026? This guide covers the current Endowus referral programme, how to claim your fee credit bonus, and how Endowus compares to other robo-advisors in Singapore. Not financial advice — always verify promotions directly with Endowus before investing.

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Endowus Current Promo 2026

As at May 2026, the primary Endowus promotion is their referral fee credit programme. When you sign up using a valid referral code and invest a minimum of S$1,000 across any account (Cash, CPF, or SRS), both you and the referrer each receive S$20 in Endowus fee credits.

This S$20 fee credit is equivalent to having up to S$10,000 in assets advised for free for approximately six months. The credit is applied automatically against your quarterly Endowus Fee billing.

Key Terms of the 2026 Referral Promo

• Reward: S$20 fee credit for both referrer and referee
• Minimum investment: S$1,000 in any Endowus account
• Stay period: Funds must remain invested for at least 90 days
• Applicable accounts: Cash Smart, CPF, SRS, and Fund Smart portfolios
• No referral limit: You can refer as many friends as you like
• Credit applied: Automatically offset against quarterly Endowus Fee

There is no minimum asset size to start on Endowus — you can begin with as little as S$100 in Cash Smart or S$1 in Fund Smart, though the referral bonus requires S$1,000 to qualify.

How the Endowus Referral Programme Works

The Endowus referral system is straightforward. Here’s exactly how to claim your S$20 fee credit in 2026:

1. Get a referral code — Use our code below or ask a friend who is already on Endowus.
2. Sign up for Endowus — Complete your account registration and MyInfo/SingPass verification.
3. Enter the code — Log in, go to Rewards > My Rewards, and enter the referral code. Do this before or shortly after your first investment.
4. Invest S$1,000 or more — Fund your Cash, CPF, or SRS account with at least S$1,000 and invest it into any Endowus portfolio.
5. Stay invested 90 days — Keep funds invested without withdrawing for the full qualifying period.
6. Fee credit applied automatically — After the 90-day period, Endowus applies S$20 fee credit to both accounts at the next quarterly billing cycle.

The fee credits do not expire and are applied proportionally if your Endowus Fee in a given quarter is less than S$20.

Our Endowus Referral Code (S$20 Fee Credit)

Use our exclusive referral link to get S$20 in Endowus fee credits when you invest S$1,000 or more and remain invested for 90 days. This is the standard Endowus referral bonus — no hidden strings attached.

Click the button below to sign up with our referral link and claim your bonus:

This is a referral link. We may earn a fee credit if you sign up. Not financial advice.

Endowus Fee Comparison vs Competitors 2026

Understanding Endowus fees is key to evaluating whether the promo is worth it. Endowus uses an all-in fee model called the Endowus Fee, and they rebate 100% of trailer fees received from fund managers back to you — which makes their effective cost among the lowest for actively managed fund investing in Singapore.

Here is how Endowus stacks up against other Singapore robo-advisors as at May 2026:

*Endowus CPF/SRS fee after trailer rebate. Actual effective fee depends on underlying fund trailer fees received.

Endowus is particularly compelling for CPF-OA investors — it is one of the few platforms that lets you invest your CPF OA funds into diversified unit trust portfolios beyond the standard CPFIS-approved ETFs, at a net cost that can be near-zero after rebates. For a deeper look at the cost structure, see our full Endowus fees guide.

Using Endowus with CPF & SRS

One of Endowus’s biggest strengths is its CPF and SRS compatibility — making it the only robo-advisor in Singapore that accepts all three funding types: Cash, CPF OA/SA, and SRS.

CPF OA Investing via Endowus

You can invest your CPF Ordinary Account (OA) funds through Endowus into a range of unit trusts at an effective fee as low as 0.05% p.a. after trailer fee rebates. This compares very favourably to leaving CPF OA idle at 2.5% p.a. interest — particularly if you believe long-term equity returns will exceed that threshold over a 10–20 year horizon.

To start, your CPF OA savings must exceed the prevailing Basic Retirement Sum (BRS). As of 2026, the BRS is S$106,500. Funds above this floor can be invested via CPFIS through Endowus.

SRS Investing via Endowus

The Supplementary Retirement Scheme (SRS) is a voluntary tax-deferral savings scheme. Contributions are deductible from your income tax (up to S$15,300 for Singaporeans/PRs). Endowus lets you invest SRS funds into diversified portfolios — the same fund universe available for cash investing.

For more on optimising your CPF contributions and SRS strategy, see our guides on CPF investment strategy and our SRS Tax Savings Calculator.

Other Singapore Referral Bonuses Worth Knowing

While you’re optimising your investment costs, here are other referral bonuses available in Singapore as at May 2026 — many of which stack nicely alongside Endowus:

For a deeper dive into each platform, visit our dedicated referral code pages above. All bonuses are subject to each platform’s current T&Cs — verify before signing up.

Ready to Start with Endowus?

Use our referral link to claim your S$20 fee credit when you invest S$1,000 or more for 90 days. It takes just a few minutes to sign up with SingPass MyInfo.

For the full breakdown of Endowus products, portfolios, and fees, see our Endowus Referral Code page.

Frequently Asked Questions