FSMOne Fees Singapore 2026: Complete Breakdown of Brokerage Commissions, Platform Charges & Is It Worth It?
FSMOne is one of Singapore’s most popular online brokerages — but are its fees competitive in 2026? This guide breaks down every FSMOne fee you need to know: stock trading commissions, fund platform charges, the Regular Savings Plan (RSP) cost, and how FSMOne stacks up against alternatives like Endowus and Syfe. Not financial advice. Data as at May 2026.
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Table of Contents
What Is FSMOne?
FSMOne (formerly Fundsupermart) is the retail investment platform of iFAST Corporation, a Singapore-listed wealth management fintech. It offers access to stocks, ETFs, unit trusts, bonds, and Regular Savings Plans — all through a single platform. FSMOne is especially popular among Singapore retail investors for its wide fund selection and zero-sales-charge unit trusts.
Key facts about FSMOne in 2026:
- Regulated by the Monetary Authority of Singapore (MAS)
- Offers SGX, US, HK, and Malaysia market access
- Over 1,000 unit trusts with 0% sales charge
- Regular Savings Plan (RSP) from S$50/month
- Cash management account (AutoSweep) with competitive interest
For dividend investors and S-REIT enthusiasts, FSMOne is a solid choice — but whether the fees justify it depends on your investment style. Let’s dig in.
FSMOne Stock Trading Fees 2026
FSMOne charges brokerage commissions based on the market you trade. Here is the current fee schedule as at May 2026:
Singapore Stocks (SGX)
| Trade Value | Commission Rate | Minimum Fee |
|---|---|---|
| Any amount | 0.08% | S$10.00 |
Platform access fee: S$3.00/quarter (waived if you trade at least once per quarter or hold SGX-listed securities worth S$1,000+)
US Stocks
| Trade Value | Commission Rate | Minimum Fee |
|---|---|---|
| Any amount | 0.12% | US$3.88 |
Hong Kong Stocks
| Trade Value | Commission Rate | Minimum Fee |
|---|---|---|
| Any amount | 0.12% | HK$30 |
Bottom line: FSMOne’s SG stock commission of 0.08% is competitive among full-service brokers in Singapore. The minimum fee of S$10 means it works better for larger trades (S$12,500+ per trade to get below the effective 0.08% threshold).
FSMOne Unit Trust & Fund Fees
One of FSMOne’s strongest selling points is its fund marketplace. Key fund-related fees:
| Fee Type | FSMOne Rate | Notes |
|---|---|---|
| Sales Charge (front-load) | 0% | All unit trusts on platform are 0% sales charge |
| Platform/Trailer Fee Rebate | Partial rebate | FSMOne rebates a portion of the annual trailer fee back to investors |
| Management Fee | Fund-dependent | Charged by the fund manager, typically 0.5%–2% p.a. |
| Switching Fee | 0% | Free switching between funds on the platform |
| Redemption Fee | 0% | No exit fees from FSMOne |
The 0% sales charge alone saves investors the typical 3%–5% upfront fee charged by banks selling the same funds. On a S$10,000 investment, that’s S$300–S$500 saved immediately.
Tip for CPF investors: FSMOne is a CPF Investment Scheme (CPFIS) approved agent. You can invest your CPF OA funds in eligible unit trusts and ETFs through FSMOne at 0% sales charge — a significant advantage over traditional bank platforms. For more on CPF investing strategies, see our CPF Investment Strategy Guide.
FSMOne Regular Savings Plan (RSP) Fees
The FSMOne RSP is a dollar-cost averaging programme that lets you invest automatically each month from as little as S$50. It’s one of the most cost-efficient ways to build a diversified portfolio.
| RSP Feature | Details |
|---|---|
| Minimum monthly amount | S$50 |
| Sales charge (unit trusts) | 0% |
| Brokerage (stocks/ETFs in RSP) | 0.08% (min S$1) |
| RSP platform fee | S$0 (no extra charge) |
| Eligible instruments | Selected unit trusts, ETFs, and SGX stocks |
The FSMOne RSP is particularly popular for building positions in S-REIT ETFs and broad market ETFs on a monthly basis. For investors just starting out, the S$50 minimum makes it accessible. Learn more about how Singapore REIT ETFs work in our Singapore REIT ETF Guide.
FSMOne ETF & Bond Fees
ETFs listed on SGX trade through FSMOne’s stock brokerage at the same 0.08% commission (min S$10). For bonds:
| Instrument | Commission | Min Fee |
|---|---|---|
| SGX-listed ETFs | 0.08% | S$10 |
| SGX-listed REITs | 0.08% | S$10 |
| Singapore Savings Bonds (SSB) | 0% | Apply via ATM/internet banking, not FSMOne |
| SGS T-Bills | 0% | Apply via ATM/internet banking, not FSMOne |
| Corporate Bonds | 0.30% | S$30 |
For S-REIT investors, the 0.08% SGX commission applies to all REIT trades. If you’re tracking the best-yielding S-REITs, see our Best S-REITs Singapore 2026 guide.
FSMOne Other Charges
| Charge | Amount | When Applies |
|---|---|---|
| Platform access fee (SGX stocks) | S$3/quarter | Waived with 1 trade/quarter or S$1,000 holdings |
| Custodian fee (HK stocks) | 0.03% p.a. (min HK$5/month) | If you hold HK stocks |
| Custodian fee (US stocks) | 0.03% p.a. (min US$2/month) | If you hold US stocks |
| Dividend processing (foreign stocks) | 1.5% (min S$3) | On dividends received from foreign counters |
| Fund redemption (T+3 settlement) | 0% | N/A |
| Cash withdrawal | 0% | Free bank transfer out |
The foreign stock custodian fee and dividend processing fee are important to factor in if you plan to build a US or HK dividend portfolio through FSMOne. For most Singapore-focused investors using FSMOne for local stocks, ETFs, and unit trusts, these charges rarely apply.
FSMOne vs Endowus vs Syfe: Which Is Cheaper?
FSMOne, Endowus, and Syfe all cater to Singapore investors — but they serve different needs and have very different fee structures:
| Feature | FSMOne | Endowus | Syfe |
|---|---|---|---|
| Type | Online brokerage | Robo-advisor / fund platform | Robo-advisor / brokerage |
| Stock trading | Yes (SGX, US, HK) | No | Yes (SGX, US) |
| CPF investing | Yes (CPFIS-approved) | Yes (cash, CPF, SRS) | Yes (cash, SRS) |
| Unit trust sales charge | 0% | 0% | N/A |
| Platform fee (funds) | Trailer rebate | 0.25%–0.60% p.a. | 0.35%–0.65% p.a. |
| SG stock commission | 0.08% (min S$10) | N/A | 0.06% (min S$1.99) |
| Regular savings plan | From S$50/month | From S$100/month | From S$100/month |
| SRS investing | Yes | Yes | Yes |
Verdict:
- FSMOne is best for self-directed investors who want to pick their own stocks, ETFs, and funds — especially for CPF-OA fund investing with 0% sales charge.
- Endowus is better for hands-off investors wanting managed portfolios, especially for CPF and SRS. See our Endowus referral code page for the latest promotions.
- Syfe suits investors who want a managed REIT+ or income portfolio with lower minimums. Get started via our Syfe referral code page.
Many Singapore investors use FSMOne alongside a robo-advisor — FSMOne for active stock/REIT trading, and Endowus or Syfe for the passive/CPF portion. This hybrid approach is common among TKN readers.
Who Should Use FSMOne?
FSMOne is a good fit if you are:
- A self-directed investor who wants to buy individual stocks and S-REITs on SGX
- A unit trust investor who wants 0% sales charge on a wide fund selection
- Using your CPF OA to invest in CPFIS-eligible funds or ETFs
- Building a monthly RSP portfolio from S$50/month
- An SRS account holder looking for investment options
FSMOne is less suited for:
- Completely passive investors who prefer managed portfolios (consider Endowus or Syfe instead)
- Very small ticket sizes (<S$5,000) where the S$10 minimum commission is proportionally high
- US stock-heavy investors (the custodian fee and dividend processing fee add up)
For retirement planning context, check out our Retirement Planning Calculator to model how your portfolio size affects your timeline.
FSMOne Referral Code: Get Cash Rebates
New to FSMOne? Use a referral code when you sign up to enjoy cash rebates on your first trades or fund investments. FSMOne periodically updates its welcome promotions — check our dedicated page for the latest offer.
Always verify current promotions on FSMOne’s official website. Referral terms are subject to change.
Other Referral Codes Worth Knowing
If you’re building your Singapore investment stack, here are the other platforms TKN readers use alongside FSMOne:
- Endowus referral code — earn fee rebates on your first S$10,000 invested (CPF, SRS, or cash)
- Syfe referral code — get 3 months fee-free on your first investment
- MariBank referral code — earn bonus interest on your savings account
- Trust Bank referral code — get cashback on your first spend with the Trust credit card
- TribeCar promo code — save on your first car-sharing booking in Singapore