Syfe Referral Code 2026: Get Up to S$50 Bonus Cash
Use our exclusive Syfe referral code to unlock a welcome bonus when you open a new account and make your first deposit. Updated May 2026.
If you’re considering opening a Syfe account in Singapore, using a referral code at sign-up is the simplest way to get a cash bonus on top of your first investment. This guide covers the latest Syfe referral code, exactly how to redeem it, what Syfe offers, and how it compares to other robo-advisors in Singapore.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Please do your own research before investing.
The Syfe Referral Code 2026
The current Syfe referral code is TKNSG. Entering this code during account registration at syfe.com links your account to a referral reward. The exact bonus amount is tiered based on your first deposit:
| First Deposit (S$) | Referral Bonus | Credited As |
|---|---|---|
| S$500 – S$4,999 | S$10 cash credit | Added to portfolio |
| S$5,000 – S$19,999 | S$30 cash credit | Added to portfolio |
| S$20,000+ | S$50 cash credit | Added to portfolio |
Note: Bonus tiers and amounts may be updated by Syfe periodically. Always check the Syfe website for the latest terms before depositing.
How to Redeem the Syfe Referral Code
Follow these four steps to claim your Syfe referral bonus:
- Go to syfe.com and click “Get Started” or “Sign Up”.
- Enter your details — name, NRIC/FIN, email, and mobile number.
- Enter referral code TKNSG in the referral/promo code field during registration.
- Complete SingPass MyInfo verification and make your first deposit to qualify.
The cash credit is typically credited within 7–14 business days after your qualifying deposit is confirmed. It is added directly to your Syfe portfolio as additional invested units — not withdrawn as cash.
What Is Syfe?
Syfe is a Singapore-based robo-advisor and digital wealth management platform licensed by the Monetary Authority of Singapore (MAS) under a Capital Markets Services (CMS) licence. Founded in 2019, Syfe has grown to manage over S$1 billion in assets under management (AUM) and serves more than 100,000 investors as at 2026.
Key features include:
- No minimum investment — start with as little as S$1 on most portfolios
- Automated rebalancing — portfolios rebalanced automatically at no extra cost
- Fractional shares — invest in Singapore-listed ETFs and global funds in fractional amounts
- Cash+ and Syfe Trade — liquid cash management and self-directed stock/ETF trading accounts
- CPF and SRS support — certain Syfe portfolios accept CPF OA and SRS funds
Syfe is regulated by MAS and client funds are held in segregated accounts, making it a safe option for Singapore retail investors. See the best S-REITs guide for how S-REIT ETFs compare as part of a broader portfolio strategy.
Syfe Portfolios Overview
Syfe offers a range of portfolios to suit different risk appetites and investment goals:
| Portfolio | Focus | Indicative Yield / Return |
|---|---|---|
| Core Equity100 | 100% global equities (MSCI World) | ~8–10% p.a. long-term |
| Core Balanced | Equities + bonds mix | ~5–7% p.a. long-term |
| REIT+ | Singapore & global REITs | ~5–6% dividend yield |
| Income+ | Dividend income focus | ~4–5% p.a. dividend |
| Cash+ (SGD) | Cash management (money market) | ~3.5–4.0% p.a. |
For investors interested in Singapore REITs within a robo-advisory wrapper, the REIT+ portfolio invests across a basket of S-REITs and global REITs. You can read our Singapore REIT ETF guide for a deeper comparison of S-REIT ETF options.
Syfe Fees Explained
Syfe charges an annual management fee based on your total portfolio value, with lower rates as your assets grow:
| AUM Tier | Annual Fee |
|---|---|
| Below S$20,000 | 0.65% p.a. |
| S$20,000 – S$100,000 | 0.50% p.a. |
| Above S$100,000 | 0.35% p.a. |
These fees are charged on top of the underlying ETF expense ratios (typically 0.05%–0.20% for Syfe’s ETF-based portfolios). There are no sales charges, no withdrawal fees, and no platform fees. Use our Robo-Advisor Fee Comparison Calculator to see how Syfe fees compare to competitors over different time horizons.
Syfe vs Endowus vs Other Robo-Advisors
Here is a side-by-side comparison of the leading Singapore robo-advisors as at May 2026:
| Platform | Min. Deposit | Annual Fee | CPF/SRS | Referral Bonus |
|---|---|---|---|---|
| Syfe | S$1 | 0.35–0.65% | SRS ✓ | S$10–S$50 |
| Endowus | S$1,000 | 0.25–0.60% | CPF + SRS ✓ | S$20 fee credit |
| FSMOne | S$50 | 0.40%+ | SRS ✓ | Cashback offers |
| StashAway | S$1 | 0.20–0.80% | SRS ✓ | S$10–S$20 |
Key difference: Endowus is the only robo-advisor in Singapore that accepts CPF OA investments (in addition to SRS and cash). Syfe accepts SRS only. If maximising CPF returns is your priority, read our CPF investment guide and consider Endowus. For general cash investing, Syfe’s lower minimum and broader portfolio range make it a strong choice.
Other Singapore Referral Bonuses Worth Claiming
While you’re setting up your investment accounts, here are other referral bonuses available to Singapore residents in 2026. Stack as many as you can — there’s no rule against claiming multiple welcome bonuses.
Frequently Asked Questions
What is the Syfe referral code for 2026?
The current Syfe referral code is TKNSG. Enter it during account registration to qualify for a tiered cash bonus (S$10 to S$50) based on the size of your first deposit.
How much bonus can I get with the Syfe referral code?
The Syfe referral bonus is tiered: S$10 for a first deposit of S$500–S$4,999, S$30 for S$5,000–S$19,999, and S$50 for deposits of S$20,000 or more. Amounts are subject to change — always verify on Syfe’s website before depositing.
Is the Syfe referral bonus paid in cash or invested?
The referral bonus is credited as additional portfolio value — it is added to your Syfe portfolio as invested units, not as withdrawable cash. You can access it once your portfolio grows and you choose to withdraw.
Is Syfe safe? Is it MAS-regulated?
Yes. Syfe holds a Capital Markets Services (CMS) licence from the Monetary Authority of Singapore (MAS). Client assets are held in segregated accounts with custodian banks — they are separate from Syfe’s own assets and are protected even if Syfe ceases operations.
Can I use Syfe with CPF funds?
Syfe accepts SRS (Supplementary Retirement Scheme) funds for certain portfolios, but it does not currently accept CPF OA funds directly. For CPF-eligible robo-advisory investing, consider Endowus, which is approved for CPF OA investments.
What is Syfe's minimum investment amount?
Syfe has no minimum investment for most portfolios — you can start with as little as S$1. However, the referral bonus requires a minimum first deposit of S$500 to qualify for the S$10 bonus tier.
How does Syfe compare to Endowus?
Syfe has a lower minimum (S$1 vs S$1,000), no CPF OA support (only SRS), and a slightly higher fee at lower asset levels (0.65% vs Endowus’s 0.60%). Endowus is the better choice for CPF investing. Syfe is competitive for general cash or SRS investing, especially for smaller portfolios. Use our Robo-Advisor Fee Comparison Calculator to run the numbers for your situation.
Can I use multiple referral codes in Singapore?
Each platform allows only one referral code per new account. However, you can claim referral bonuses from multiple different platforms — for example, claiming the Syfe bonus, the Endowus bonus, and the MariBank bonus all at the same time, since these are separate accounts.