Endowus Referral Code 2026: Earn S$20–S$100 Bonus Cash When You Sign Up

by | May 21, 2026 | Dividend Investing | 0 comments

Endowus Referral Code 2026 — How to earn S$20–S$100 bonus on Endowus

Endowus Referral Code 2026: Earn S$20–S$100 Bonus Cash When You Sign Up

Looking for the latest Endowus referral code? This guide covers how to claim your sign-up bonus, how Endowus works, and whether it’s the right robo-advisor for CPF, SRS, and cash investing in Singapore. Not financial advice. Data as at May 2026.

Endowus is Singapore’s only platform that lets you invest your CPF OA, SRS, and cash savings in institutional-grade funds — all in one place. If you’re planning to start, using an Endowus referral code means you can earn a cash bonus on top of your first investment.

In this guide we cover the exact referral bonus structure, how to apply it step by step, and a quick overview of Endowus fees and fund options so you can decide if it fits your portfolio strategy.

Endowus Referral Code 2026

The current Endowus referral offer gives new users a cash bonus of S$20–S$100 when they sign up with a referral link and invest a qualifying amount. Both you and the referrer receive the bonus once your account is funded and active.

The bonus amount depends on Endowus’s current promotion and how much you invest in your first 30 days. Check the referral page for the live offer — promotions are updated monthly.

Get Your Endowus Referral Code →

How to Use the Endowus Referral Code (Step by Step)

Claiming your Endowus referral bonus is straightforward. Here’s how to do it:

  1. Click the referral link — use our Endowus referral code page to access the tracked sign-up link.
  2. Create your account — register with your Singpass MyInfo for instant KYC verification.
  3. Choose your account type — Cash (General Investing), CPF, or SRS. You can open all three.
  4. Fund your account — transfer at least the minimum qualifying amount (check the live offer for the threshold).
  5. Select your funds — pick from Endowus recommended portfolios or build your own fund mix.
  6. Wait for the bonus — the referral credit typically appears within 30 days of your first investment meeting the qualifying threshold.

Tip: If you’re using CPF OA funds, make sure your CPFIS investment account is activated first (a one-time setup via your CPF portal). Read our CPF investment strategy guide for more context.

What Is Endowus?

Endowus is a MAS-licensed robo-advisor and digital financial adviser headquartered in Singapore. Founded in 2017, it is unique among Singapore platforms because it allows investors to invest CPF OA, SRS, and cash savings all through a single interface.

Key facts about Endowus (as at May 2026):

  • Regulatory status: Licensed by MAS as a Capital Markets Services licensee and Exempt Financial Adviser
  • Minimum investment: S$1 for cash accounts; CPF and SRS subject to CPF/SRS rules
  • Fund universe: 300+ institutional and retail funds from Dimensional, Amundi, BlackRock, PIMCO, and others
  • Platform fee: 0.25%–0.60% p.a. (tiered by AUM)
  • Trailer fee rebate: Endowus rebates 100% of trailer fees back to investors
  • Assets under management: S$9+ billion (as at early 2026)

Endowus is best suited for long-term, passive investors who want institutional-quality diversified funds without paying trailer fees. It is not a brokerage — you cannot buy individual stocks or Singapore-listed S-REITs through Endowus.

If S-REIT investing interests you, see our Best S-REITs Singapore 2026 guide.

Endowus Fees Explained

Endowus charges a single access fee (platform fee) based on your total AUM across all account types:

AUM Tier Annual Access Fee
First S$200,000 0.60% p.a.
Next S$800,000 (S$200K–S$1M) 0.35% p.a.
Next S$9M (S$1M–S$10M) 0.25% p.a.
Above S$10M 0.18% p.a.

On top of the access fee, the underlying funds charge their own expense ratios (typically 0.25%–0.50% p.a. for institutional share classes on Endowus). However, Endowus rebates 100% of trailer fees back to investors — this means the true net cost is often lower than comparable unit trusts sold through traditional banks.

Use our retirement planning calculator to model how fees compound over your investment horizon.

CPF, SRS & Cash Investing on Endowus

Endowus supports all three pools of investable money available to Singapore residents:

CPF OA (Ordinary Account)
Endowus is one of the few platforms licensed to invest CPF OA funds under the CPF Investment Scheme (CPFIS). You can invest CPF OA into Dimensional and other approved funds. The CPF OA baseline rate is 2.5% p.a., so you should target funds with reasonable long-term return expectations above that rate.

SRS (Supplementary Retirement Scheme)
SRS contributions receive a dollar-for-dollar tax deduction. Endowus allows you to invest SRS funds in a range of fund portfolios. This is a powerful tax-efficiency strategy especially for those earning above S$80,000 p.a.

Cash Investing
For general cash savings, Endowus offers the widest fund selection. The Cash Smart product provides a higher-yield cash management alternative to savings accounts — though returns are not guaranteed and principal is at risk.

Read our full CPF investment strategy guide for detailed CPFIS mechanics and asset allocation ideas.

Endowus vs Syfe vs FSMOne: Quick Comparison

How does Endowus compare to the other major Singapore robo-advisory and fund platforms?

Feature Endowus Syfe FSMOne
CPF Investing ✅ Yes (OA) ✅ Yes (OA/SA) ✅ Yes
SRS Investing ✅ Yes ✅ Yes ✅ Yes
Minimum Investment S$1 S$1 S$50 (RSP)
Platform Fee 0.25%–0.60% 0.35%–0.65% 0.08% (RSP)
Trailer Fee Rebate ✅ 100% Partial Partial
Referral Bonus S$20–S$100 Check Syfe offer Check FSMOne offer

Endowus stands out on trailer fee rebates and institutional fund access. Syfe offers stronger thematic and income portfolios. FSMOne suits more hands-on investors who want to pick individual unit trusts and ETFs. See our full Syfe review for a deeper comparison.

Is Endowus Worth It in 2026?

Endowus is worth considering if:

  • You want to invest CPF OA or SRS funds in diversified institutional funds
  • You prefer a hands-off, low-cost approach with automatic rebalancing
  • You value the trailer fee rebate — this can save 0.3%–0.5% p.a. versus buying the same funds through a bank
  • You have at least S$10,000 to invest (the fee advantage becomes clearer at scale)

It may not be the best fit if:

  • You want to trade stocks, ETFs, or S-REITs directly
  • You prefer choosing individual bonds or Singapore Savings Bonds (SSBs)
  • Your investment horizon is under 3 years (the fee structure favours longer compounding periods)

Bottom line: for passive, long-term CPF and SRS investing, Endowus is one of the strongest platforms in Singapore. The referral bonus makes the sign-up decision even easier.

Claim Endowus Referral Code Now →

Other Singapore Referral Codes Worth Knowing

If you’re exploring other platforms, here are referral offers from TKN-reviewed partners:

Frequently Asked Questions

What is the Endowus referral code bonus in 2026?
The current Endowus referral offer provides a cash bonus of S$20 to S$100 for new sign-ups who invest a qualifying amount within 30 days. Both the referrer and the new user receive the bonus. Check our Endowus referral code page for the live offer amount.
Is Endowus safe and MAS-regulated?
Yes. Endowus is licensed by the Monetary Authority of Singapore (MAS) as a Capital Markets Services licensee and an Exempt Financial Adviser. Client assets are held in custody separately from Endowus’s own accounts, providing regulatory protection.
Can I invest CPF OA with Endowus?
Yes — Endowus is one of the few MAS-approved platforms under the CPF Investment Scheme (CPFIS) that allows you to invest CPF OA funds in unit trusts. You need to activate a CPFIS Investment Account first before linking it to Endowus. Note that CPF OA earns a guaranteed 2.5% p.a. — you should only invest if your chosen funds have a reasonable probability of returning above this over your investment horizon.
What is the minimum investment amount on Endowus?
For cash investing, the minimum is S$1. For CPF and SRS accounts, the minimum is subject to the rules of the respective scheme. There is no lock-in period — you can withdraw your cash investment at any time, though short-term withdrawals may incur market losses depending on fund valuations.
How does Endowus compare to a bank unit trust?
The main difference is the trailer fee rebate. Banks typically keep 0.3%–0.5% p.a. in fund distribution commissions (trailer fees). Endowus rebates 100% of these back to investors, which meaningfully lowers the effective cost of owning the same underlying funds. Endowus also provides a cleaner digital experience and automatic rebalancing versus buying through a bank relationship manager.
Can I use Endowus and Syfe at the same time?
Yes — many Singapore investors use both. A common approach is to use Endowus for CPF OA and SRS investing (due to its CPFIS licence), and Syfe for cash-funded thematic or income portfolios. Both platforms allow S$1 minimum investments and offer referral bonuses for new sign-ups. See our Syfe referral code page for the latest Syfe offer.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investing involves risk; past performance is not indicative of future results. The Endowus referral links on this page may earn The Kopi Notes a referral commission at no cost to you. Always read the fund factsheet and Endowus’s terms before investing. Data as at May 2026.

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