Endowus Referral Code 2026: Get Up to S$20 Access Fee Rebate
Use our exclusive Endowus referral code and get a fee rebate on your first S$10,000 invested — the easiest way to reduce your cost of investing in Singapore. Not financial advice. Data as at May 2026.
If you’re planning to start investing with Endowus — Singapore’s only digital advisor for both CPF and cash investments — you can reduce your costs from day one by using a referral code. This guide covers exactly what the Endowus referral code gives you, how to apply it, and how it stacks up against other robo-advisor promos in Singapore.
What Is Endowus?
Endowus is Singapore’s leading digital wealth advisor, licensed by the Monetary Authority of Singapore (MAS). Unlike most robo-advisors, Endowus is the only platform in Singapore that allows you to invest your CPF Ordinary Account (OA), CPF Special Account (SA), and SRS funds alongside your cash — all in one place.
Founded in 2017 and headquartered in Singapore, Endowus manages over S$8 billion in assets (as at 2025) across tens of thousands of investors. The platform focuses on institutional-grade, low-cost fund portfolios with no hidden fees — any trailer fees or fund rebates are passed directly back to investors.
Key things that set Endowus apart:
- CPF & SRS investing — no other robo-advisor in Singapore lets you invest CPF funds directly
- 100% trailer fee rebates — fund managers pay Endowus; Endowus passes 100% back to you
- Institutional fund access — access to Dimensional, PIMCO, Amundi, BlackRock at low minimums
- Evidence-based portfolios — built by a former GIC investment team
For a deeper dive, see our full Robo Advisor Singapore 2026 guide comparing all major platforms.
Endowus Referral Code 2026
Use the referral link below to get up to S$20 in access fee rebate on your first S$10,000 invested with Endowus.
The referral bonus applies to your first 6 months. No code to manually enter — the rebate is applied automatically when you sign up via the link.
Referral bonus is subject to Endowus’s current terms and conditions. Check the referral page for the latest offer details.
How to Use the Endowus Referral Code
The process is straightforward:
- Click our referral link — visit our Endowus referral code page to get the latest link and any current promotions
- Sign up for an Endowus account — complete identity verification (MyInfo via Singpass is fastest)
- Fund your account — transfer a minimum of S$1,000 cash, or invest via CPF/SRS
- Referral bonus applies automatically — within 7 business days, the access fee rebate will appear in your account dashboard
Important: The referral rebate is credited as an access fee waiver, not cash. This means Endowus will not charge you the 0.25–0.60% p.a. access fee on your first S$10,000 for 6 months — effectively giving you free portfolio management on that amount.
What Counts as a Valid Referral?
To trigger the referral bonus, you need to:
- Be a new Endowus user (no existing account)
- Sign up via the referral link (not directly through the app store or main website)
- Make an initial investment within 30 days of account creation
Endowus Fees Explained
Understanding the fee structure helps you appreciate just how valuable the referral rebate is. Endowus charges a flat access fee (platform fee) based on your total AUM:
| AUM Band | Annual Access Fee | Monthly Cost on S$100k |
|---|---|---|
| First S$200,000 | 0.60% p.a. | ~S$50/month |
| Next S$800,000 | 0.35% p.a. | — |
| Above S$1,000,000 | 0.25% p.a. | — |
On top of this, you pay the underlying fund expense ratio (typically 0.2–0.8% p.a. depending on the portfolio). However, Endowus passes back 100% of trailer fee rebates, which typically offsets 0.3–0.5% of fund costs — making the all-in cost very competitive.
With the referral bonus, you get 6 months of zero access fee on the first S$10,000. That’s roughly S$30 in direct savings — small, but meaningful if you’re just starting out.
Read more in our Robo Advisor Singapore 2026 comparison and see how Endowus stacks up on total cost.
Endowus vs Syfe vs FSMOne: Quick Comparison
Before committing, it’s worth comparing the three most popular platforms for Singapore investors:
| Feature | Endowus | Syfe | FSMOne |
|---|---|---|---|
| CPF investing | ✅ Yes | ❌ No | ✅ Yes (CPFIS) |
| SRS investing | ✅ Yes | ✅ Yes | ✅ Yes |
| Platform fee | 0.25–0.60% p.a. | 0% (Core) / 0.35–0.65% (Income+) | 0.08–0.50% p.a. |
| Min. investment | S$1,000 | S$1 | S$100 |
| Referral bonus | Up to S$20 fee rebate | Up to S$30–75 cashback | Up to S$30 cashback |
| Best for | CPF/SRS investors, long-term | Beginners, income portfolios | Self-directed investors, unit trusts |
Bottom line: Endowus wins on CPF integration and institutional fund access. Syfe wins on flexibility and potentially higher cashback promos. FSMOne wins for self-directed investors who want to pick their own funds. You don’t have to choose just one — many Singapore investors use two or three platforms depending on the account type (cash vs CPF vs SRS).
See all current promos on our dedicated pages: Syfe referral code | FSMOne referral code
Who Should Use Endowus?
Endowus is particularly well suited for:
- CPF OA investors who want to put idle CPF OA funds to work beyond the 2.5% p.a. guaranteed rate
- SRS holders who want to tax-efficiently invest their Supplementary Retirement Scheme funds
- Long-term, passive investors who prefer a set-and-forget approach with low-cost index and factor funds
- Investors seeking institutional funds like Dimensional’s factor funds, not available on most retail platforms
If you’re primarily investing cash with no CPF element, platforms like Syfe offer competitive alternatives with lower minimums (from S$1). Our CPF investment strategy guide covers how to decide whether CPFIS investing (through Endowus) is right for you.
Other Singapore Referral Codes Worth Grabbing
While you’re at it, here are the other top Singapore finance referral codes we track and keep updated:
- Syfe referral code — up to S$30–75 cashback for new users investing with Syfe Income+ or Core portfolios
- FSMOne referral code — cashback on your first trades or RSP (Regular Savings Plan) sign-up
- MariBank referral code — bonus interest on MariBank Save deposits (currently 2.88–3.88% p.a.)
- Trust Bank referral code — bonus cash for new Trust Bank sign-ups with eligible spending
We update all these pages monthly to reflect the latest promotions. Bookmark this site or check our referral pages directly before signing up to any platform.
Frequently Asked Questions
What is the Endowus referral code for 2026?
Rather than a manual code, Endowus uses a referral link system. Click through our Endowus referral page to get the latest link. The access fee rebate (up to S$20 on your first S$10,000 for 6 months) is applied automatically when you sign up via the link and make an initial investment.
Can I use the Endowus referral code for CPF investments?
Yes. The referral bonus applies to CPF, SRS, and cash investments. This makes it especially valuable for investors using Endowus specifically for its CPF OA or SA investing capability — unique among Singapore robo-advisors.
Is Endowus safe and MAS-licensed?
Yes. Endowus is licensed by the Monetary Authority of Singapore (MAS) as a Capital Markets Services (CMS) licensee. Your cash investments are held by DBS Bank (as custodian), not by Endowus directly. CPF funds remain in your CPF account and are only deployed when invested. The platform is regulated under the Securities and Futures Act.
How does the Endowus fee rebate compare to Syfe's referral?
Syfe’s referral codes often offer direct cashback (S$30–75 depending on the current promotion), while Endowus offers an access fee waiver. If you’re investing S$10,000 or more, the Endowus fee rebate is worth approximately S$15–30 over 6 months — comparable to Syfe’s cash offer. However, Syfe’s promos change frequently so check our Syfe referral page for the current offer.
Can existing Endowus users refer friends?
Yes. If you already have an Endowus account, you can generate your own referral link in the Endowus app under “Refer a Friend.” Both you and your friend receive the access fee rebate when your friend signs up and invests. If you haven’t opened an account yet, use our link to get started and you’ll be able to refer others once you’re set up.
What is the minimum investment to qualify for the Endowus referral bonus?
The minimum initial investment at Endowus is S$1,000 for cash accounts (no minimum for CPF/SRS top-ups after the account is funded). The referral access fee rebate applies to your first S$10,000 of assets under management — you don’t need to invest the full S$10,000 immediately, but the rebate value scales with how much you have invested during the 6-month period.
This article is for informational purposes only and does not constitute financial advice. Referral bonus terms are subject to change by Endowus at any time. Always read the full terms and conditions on Endowus’s official website before investing. The Kopi Notes may earn a referral commission if you sign up via our links, at no extra cost to you.