FSMOne Referral Code 2026: P0544985 — Complete Singapore Guide

Use FSMOne referral code P0544985 to get your welcome gift. Singapore’s lowest-cost CDP-linked broker for stocks, ETFs, bonds & unit trusts — everything you need to know before you sign up. Not financial advice. Data as at May 2026.

Table of Contents

What Is FSMOne?

FSMOne (formerly Fundsupermart) is the online investment platform operated by iFAST Corporation — one of Singapore’s longest-standing independent wealth platforms. It is CDP-linked, meaning your Singapore stocks and ETFs are held in your own Central Depository account, not in a custodian account.

FSMOne offers one of the most complete product line-ups available to retail investors in Singapore: SGX and US stocks, Singapore ETFs and REITs, bonds, unit trusts, regular savings plans (RSPs), and CPF/SRS investment options. It is particularly popular among dividend investors and S-REIT investors who want low flat-fee trading with direct CDP ownership.

For long-term Singapore investors who prioritise low fees and CDP ownership, FSMOne is frequently ranked alongside Endowus and Syfe as a go-to platform. The referral programme is a great way to get started with a bonus for both you and your referrer.

FSMOne Referral Code 2026: P0544985

The current TKN referral code for FSMOne is P0544985. Enter it during registration on the FSMOne website or app to qualify for the welcome gift. Both you and the referrer receive a benefit when you complete the qualifying conditions (typically your first trade or first investment).

How to Use the FSMOne Referral Code

Follow these steps to apply the referral code and claim your welcome gift:

1. Visit FSMOne.com and click “Open Account”
2. Complete the sign-up form — personal details, NRIC/FIN, and bank account
3. Enter referral code P0544985 in the “Referral Code” or “Promotion Code” field
4. Complete SingPass MyInfo verification (fastest route — usually approved within 1 business day)
5. Fund your account and make your first trade or investment
6. Welcome gift credited after qualifying conditions are met

The referral code must be entered at the point of account opening — it cannot be applied retroactively. If you are unsure where to enter it, look for a “Referral / Promo Code” field during the registration flow.

FSMOne Fee Table 2026

FSMOne is consistently ranked as one of Singapore’s lowest-cost brokers for SGX stocks and ETFs, largely due to its flat S$10 minimum commission.

Compare these to other platforms: Syfe charges 0% brokerage but holds shares in a custodian account. Endowus focuses on unit trusts and CPF/SRS. FSMOne’s edge is the CDP-linked structure with a very low minimum commission — ideal for investors who want direct share ownership.

Why Singapore Investors Choose FSMOne

FSMOne has been a trusted name in Singapore retail investing for over 20 years. Here are the key reasons it remains popular in 2026:

• CDP Ownership: Your SGX shares are held in your own CDP account — not in a broker custodian. This matters for corporate actions, dividends direct to your bank, and peace of mind.
• Low Flat Fee: At S$10 minimum per SGX trade, FSMOne is one of the lowest-cost options for investors making smaller trades (under S$12,500).
• Widest Product Range: Stocks, ETFs, S-REITs, bonds, unit trusts, RSPs, CPF investment, SRS investment — all on one platform.
• iFAST Backing: FSMOne is owned by iFAST Corporation (SGX: AIY), a Singapore-listed financial services firm regulated by MAS.
• Research & Tools: Comprehensive market data, dividend calendars, portfolio tracker, and bond screener built in.

For dividend investors and S-REIT investors in particular, FSMOne is a natural fit — it supports CPF OA investments in authorised unit trusts, and its bond marketplace is well-suited for fixed income laddering. For more on building a REIT portfolio, see our guide to the best S-REITs in Singapore 2026.

Buying with CPF & SRS on FSMOne

One of FSMOne’s standout features for Singapore investors is its deep CPF and SRS integration:

• CPF Investment Scheme (CPFIS): You can invest your CPF OA savings in MAS-approved unit trusts, bonds, and selected ETFs via FSMOne. This is ideal for investors who want to put idle CPF OA funds to work. Note: CPF OA currently earns 2.5% p.a. — only invest if you believe your chosen funds will beat this risk-free rate.
• SRS (Supplementary Retirement Scheme): FSMOne is a designated SRS operator. You can top up your SRS account and invest in a wide range of unit trusts, ETFs, and stocks directly on the platform, with tax deductions of up to S$15,300 per year (Singaporeans/PRs).

For a deeper guide on CPF investment strategy, see our CPF investment guide. For retirement planning tools, try our free retirement planning calculator.

Other Platforms Worth Considering

FSMOne is excellent for CDP-linked investing and unit trusts. However, depending on your goals, you may also want to consider these platforms — all of which TKN readers use:

Ready to Open Your FSMOne Account?

Use referral code P0544985 at registration to unlock your welcome gift.

Frequently Asked Questions