Best Investing Apps in Singapore (2026 Guide)
Compare brokers, robo-advisors, and investing platforms — and find the right fit for your goals.
Singapore has some of the world’s best investing apps — from full-featured brokers like Interactive Brokers (IBKR) and moomoo to robo-advisors like Syfe and StashAway. The right app depends on what you’re investing in: if you want global ETFs, go with IBKR or Syfe Brokerage; if you prefer hands-off investing, choose Endowus or StashAway. This guide compares the top investing apps in Singapore for 2026 so you can make a smart choice from day one.
Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.
- IBKR is the top pick for buying LSE-listed ETFs (CSPX, VWRA) at low cost.
- Syfe Brokerage and moomoo suit beginners who want a simple mobile-first experience.
- Endowus and StashAway are best for hands-off robo-advisory — especially if you want to use CPF or SRS funds.
Table of Contents
Contents — Click to expand
Why Your Choice of Investing App Matters
Most Singaporeans leave their money in savings accounts earning 2–3% a year. Inflation quietly erodes that return. Investing — even passively in a low-cost ETF — can significantly outpace a savings account over a 10–20 year horizon.
But picking the wrong app costs you real money. An extra 0.5% in annual fees on a SGD 100,000 portfolio is SGD 500 gone every year. On a SGD 500,000 retirement portfolio, that’s SGD 2,500 per year in unnecessary costs.
The good news: Singapore has excellent investing apps at every price point. You just need to match the right tool to your goals.
Types of Investing Apps in Singapore
Before comparing specific apps, it helps to understand the two main categories available to Singapore investors.
Self-directed brokers let you pick your own stocks, ETFs, and bonds. You decide what to buy, when to buy, and how much. Examples: Interactive Brokers (IBKR), Syfe Brokerage, moomoo Singapore, FSMOne, Saxo Markets.
Robo-advisors build and manage a portfolio for you based on your risk profile. You deposit money; the platform handles asset allocation, rebalancing, and reinvesting dividends. Examples: Endowus, StashAway, Syfe (robo portfolios), AutoWealth.
Some platforms — like Syfe — offer both. You can use Syfe Brokerage to buy your own ETFs, or use Syfe’s managed portfolios if you prefer a hands-off approach.
Best Investing Apps in Singapore 2026
Here are the six best investing apps for Singapore investors in 2026, broken down by what they do best.
1. Interactive Brokers (IBKR) — Best for ETF Investors
IBKR is the top choice for Singapore investors buying LSE-listed ETFs like CSPX or VWRA. Its commission on London Stock Exchange trades is just USD 1.05 per trade (or 0.05% of trade value, whichever is higher). That’s among the lowest available in Singapore.
IBKR also gives you access to 150+ global markets — US, LSE, Hong Kong, Europe — all from one account. You can hold multiple currencies and invest in almost any listed security.
The downside: the interface is complex, and IBKR’s mobile app (IBKR Mobile) takes getting used to. It’s less beginner-friendly than moomoo or Syfe. But for pure cost efficiency on ETFs, it’s hard to beat.
Best for: Cost-conscious investors buying global ETFs (CSPX, VWRA, IWDA) or individual US/HK stocks.
Commission (LSE ETFs): USD 1.05 per trade
Account minimum: None
2. Syfe Brokerage — Best for Beginners
Syfe Brokerage is one of the most beginner-friendly platforms in Singapore. The app is clean, simple, and makes it easy to search for ETFs and stocks. There’s no account minimum, and you can start with as little as SGD 1.
Commission is SGD 1.49 per trade for Singapore and US stocks. LSE ETFs are also accessible. Syfe Brokerage also offers a Fractional Shares feature for US stocks, so you can buy into Apple or Nvidia without needing the full share price.
If you’re just starting out and want to buy ETFs without being overwhelmed, Syfe Brokerage is a great first step. You can explore the Syfe referral code for a sign-up bonus when you open an account.
Best for: Beginners buying ETFs and US stocks in a simple, mobile-first interface.
Commission: SGD 1.49 per trade (SG/US stocks), USD 1.49 (LSE)
Account minimum: None (SGD 1 to start)
3. moomoo Singapore — Best for Active Traders
moomoo Singapore (by Futu Holdings) is popular with active traders who want advanced charting, Level 2 market data, and low commissions. moomoo frequently runs zero-commission promotions for new users on US stocks.
The platform covers US, HK, and Singapore stocks. It’s less focused on LSE ETF investing than IBKR, but its user interface is modern and data-rich. If you’re interested in stock picking and like reading charts, moomoo is worth exploring. You can find more detail in the moomoo Singapore review.
Best for: Active stock traders who want detailed market data and a feature-rich app.
Commission (US stocks, promo): 0% for limited period
Account minimum: None
4. Endowus — Best for CPF and SRS Investing
Endowus is the only platform in Singapore that lets you invest your CPF OA, SA, and SRS money into curated fund portfolios. That alone makes it unique. If you have idle CPF money or want to make your SRS contributions work harder, Endowus is the go-to platform.
Endowus invests in institutional-class unit trusts, many of which have lower expense ratios than their retail equivalents. The platform charges an access fee of 0.25%–0.60% per year (sliding scale) on top of the fund TER.
Endowus is not for stock-picking — it’s for passive, diversified investing through funds. But for CPF/SRS investing in particular, it’s in a class of its own. Use the Endowus referral code to get a fee rebate when signing up.
Best for: CPF OA/SA/SRS investors who want a professionally managed fund portfolio.
Access fee: 0.25%–0.60% p.a.
Minimum: SGD 1,000
5. StashAway — Best Robo-Advisor for Cash Investing
StashAway uses a proprietary Economic Regime-based Asset Allocation (ERAA) strategy that automatically shifts your portfolio based on macroeconomic conditions. It’s fully automated — you set your risk level, deposit money, and StashAway handles everything.
StashAway charges between 0.2% and 0.8% per year depending on your portfolio size. The more you invest, the lower the fee. It also offers a fixed income product (StashAway Simple) and a General Investing portfolio.
StashAway is better for cash investing than CPF/SRS (Endowus has the edge there). But as a set-and-forget robo-advisor for your regular savings, it’s one of the most polished experiences available.
Best for: Investors who want a fully automated portfolio with no ongoing decisions.
Fee: 0.2%–0.8% p.a. (tiered by AUM)
Minimum: None
6. FSMOne — Best for Fund and Bond Investors
FSMOne (by iFAST) is a comprehensive platform for investors who want access to unit trusts, ETFs, bonds, and insurance savings plans — all in one place. It’s particularly strong for regular savings plans (RSP), where you can invest as little as SGD 100 per month into ETFs.
ETF commissions on FSMOne are 0.08% per trade (minimum SGD 10). RSP fees are 0.5% per transaction. FSMOne also gives you access to thousands of unit trusts at zero sales charge. Use the FSMOne referral code for a sign-up bonus.
Best for: Fund investors and those who want low-cost ETF RSPs.
Commission (ETFs): 0.08% per trade (min. SGD 10)
Minimum RSP: SGD 100/month
Side-by-Side Comparison
Here’s how the top investing apps in Singapore compare across the key metrics that matter most: fees, access, and suitability.
| App | Type | Commission / Fee | CPF/SRS? | Best Asset |
|---|---|---|---|---|
| IBKR | Broker | USD 1.05/trade (LSE) | No | Global ETFs, Stocks |
| Syfe Brokerage | Broker | SGD 1.49/trade | No | ETFs, US Stocks |
| moomoo SG | Broker | 0% promo / tiered | No | US, HK, SG Stocks |
| Endowus | Robo/Funds | 0.25%–0.60% p.a. | Yes | CPF/SRS Funds |
| StashAway | Robo | 0.2%–0.8% p.a. | No (SRS only) | Auto Portfolio |
| FSMOne | Broker/Funds | 0.08%/trade (ETF) | Yes (SRS) | Unit Trusts, ETF RSP |
Source: thekopinotes.com research, June 2026. Fees may change — always verify on the platform’s official website.
Fee Comparison: What You’ll Actually Pay
Fees matter more than most people realise. On a SGD 50,000 portfolio held for 20 years, the difference between a 0.2% and 0.8% annual fee is over SGD 30,000 in compounded losses.
| App / Strategy | Annual Fee on SGD 50k | Notes |
|---|---|---|
| IBKR — monthly ETF buys | ~SGD 17 | 12 trades × USD 1.05 ≈ SGD 17/yr |
| FSMOne RSP (0.5%/transaction) | ~SGD 40 | SGD 330/month × 0.5% × 12 |
| StashAway (0.2% tier, SGD 50k+) | SGD 100 | 0.2% × 50,000 |
| Endowus (0.25% tier) | SGD 125 | 0.25% × 50,000 (excl. fund TER) |
| StashAway (0.8% tier, <SGD 25k) | SGD 400 | 0.8% × 50,000 |
Source: thekopinotes.com analysis, June 2026. Illustrative — actual fees vary by portfolio size and activity.
The bottom line: if you’re a self-directed investor buying ETFs monthly via IBKR, your annual cost is negligible. Robo-advisors cost more, but offer convenience and automation. For CPF/SRS investing specifically, Endowus fees are worth it because no other platform gives you that access.
For a deeper look at how to plan for retirement income, try the Singapore retirement calculator to run your own numbers.
CPF and SRS Compatible Investing Apps
Not all investing apps in Singapore support CPF or SRS funds. This is an important consideration — CPF OA earns 2.5% by default, and SRS funds grow tax-deferred. Investing them smartly can make a meaningful difference to your retirement.
| App | CPF OA | CPF SA | SRS |
|---|---|---|---|
| Endowus | Yes | Yes | Yes |
| FSMOne | No | No | Yes |
| StashAway | No | No | Yes |
| IBKR | No | No | No |
| Syfe Brokerage | No | No | No |
Source: thekopinotes.com research, June 2026. CPF Investment Scheme (CPFIS) rules apply.
Endowus is the clear winner here. It’s the only app that lets you deploy CPF OA funds (above the first SGD 20,000) and CPF SA funds (above the first SGD 40,000) into diversified portfolios. If you’re looking for a CPF investment strategy, Endowus should be your starting point.
For SRS investing, both Endowus and FSMOne work well. FSMOne gives you more control over individual fund selection; Endowus manages everything for you. You can explore passive income ideas through passive income in Singapore strategies to complement your SRS contributions.
How to Choose the Right Investing App
The best investing app depends on three things: what you want to invest in, how hands-on you want to be, and how much you plan to invest.
If you want to buy global ETFs (CSPX, VWRA, IWDA): Choose IBKR for lowest cost, or Syfe Brokerage for simplicity.
If you want to invest CPF OA or SA: Endowus is your only real option.
If you want a fully automated portfolio: StashAway or Endowus (cash portfolios) both work well. Endowus wins on fund quality; StashAway wins on user experience.
If you want to invest in Singapore REITs: Use IBKR, Syfe Brokerage, or moomoo to buy individual S-REITs or REIT ETFs. You can explore the Singapore REIT ETF guide for specific picks, or check best S-REITs in Singapore 2026 for individual REIT research.
If you want a regular savings plan (RSP): FSMOne RSP at SGD 100/month is one of the lowest-cost options for automated monthly ETF investing.
If you’re actively trading stocks: moomoo is the standout for Singapore traders, with advanced charting, Level 2 data, and zero-commission promos on US stocks.
Many Singapore investors run two or three apps — for example, IBKR for ETFs, Endowus for CPF/SRS, and FSMOne for unit trusts. That’s perfectly fine. But start with one. The most important step is to begin.
This guide is for educational purposes only and does not constitute financial advice. Consult a licensed financial adviser before making investment decisions. Past performance is not indicative of future results.
Frequently Asked Questions
What is the best investing app in Singapore for beginners?
For beginners, Syfe Brokerage or StashAway are the easiest starting points. Syfe Brokerage lets you buy ETFs with as little as SGD 1 and has a clean, intuitive app. StashAway is even simpler — just set your risk level, deposit money, and the robo-advisor handles everything. Both are MAS-licensed and require no prior investing knowledge.
Which investing app in Singapore has the lowest fees?
For self-directed ETF investing, Interactive Brokers (IBKR) has the lowest fees in Singapore — USD 1.05 per trade on LSE ETFs. If you invest monthly, that works out to roughly SGD 17 per year on 12 trades. For fund investing with a regular savings plan, FSMOne’s RSP at 0.5% per transaction is competitive. Robo-advisors like StashAway charge 0.2%–0.8% per year based on portfolio size.
Can I use CPF to invest through these apps?
Only Endowus allows you to invest CPF OA and CPF SA funds under the CPF Investment Scheme (CPFIS). Other apps like IBKR, Syfe, and moomoo do not support CPF investing. If you want to put your CPF OA money (above the first SGD 20,000) or SA money (above SGD 40,000) to work, Endowus is your best option in Singapore.
Is Interactive Brokers safe to use in Singapore?
Yes. Interactive Brokers (IBKR) is one of the most regulated brokers in the world. It holds licences in the US (SEC, FINRA), EU, UK, and Hong Kong. In Singapore, IBKR operates under a Capital Markets Services licence from the Monetary Authority of Singapore (MAS). Your assets are held in segregated accounts, separate from IBKR’s operating funds — so if IBKR were to fail, your assets would still be protected.
What is the difference between a broker and a robo-advisor?
A broker (like IBKR, Syfe Brokerage, or moomoo) lets you choose and trade individual securities yourself. You decide what to buy, when, and how much. A robo-advisor (like Endowus or StashAway) makes those decisions for you based on your risk profile. You deposit money and the platform automatically allocates it across a diversified portfolio. Robo-advisors cost more in annual fees but require zero active management from you.
Which app is best for buying ETFs on the London Stock Exchange (LSE)?
Interactive Brokers (IBKR) is the best app for buying LSE-listed ETFs like CSPX, VWRA, or IWDA. Its commission of USD 1.05 per trade on the LSE is among the lowest available to Singapore retail investors. Syfe Brokerage and Saxo Markets also provide LSE ETF access, but at slightly higher cost. Singapore investors prefer LSE-listed ETFs because they are Ireland-domiciled — this means 15% withholding tax on US dividends (vs 30% for US-domiciled ETFs) and no US estate tax exposure.
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