FSMOne Referral Code 2026: P0544985 — Get Rewards & Singapore’s Cheapest CDP Broker

Use FSMOne referral code P0544985 when signing up to earn FSMOne Rewards Points. FSMOne (formerly Fundsupermart) is Singapore’s cheapest CDP-linked online broker — S$8.80 flat fee per SGX trade, 0% ETF RSP processing fee, and access to stocks, bonds, unit trusts and more. This guide covers everything you need to know: how to apply the code, what rewards you get, and the best partner platforms to use alongside FSMOne for a complete Singapore investment setup.

Not financial advice. For informational purposes only. Data as at May 2026.

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FSMOne Referral Code P0544985 — What You Get

FSMOne runs a referral programme where both the referrer and new sign-up earn FSMOne Rewards Points. When you sign up using referral code P0544985, you and the existing member each receive 5,000 FSMOne Rewards Points (subject to FSMOne’s current promotion terms).

FSMOne Rewards Points can be redeemed for fee rebates, cash vouchers, and other rewards through the FSMOne Rewards Programme. The programme is operated by Fundsupermart.com / iFAST Financial Pte Ltd, which is an SGX Member and MAS-licensed capital markets services firm.

For the full referral page with the latest promotion details and the sign-up link, visit the FSMOne referral code page on The Kopi Notes.

How to Use the FSMOne Referral Code

Applying the FSMOne referral code during sign-up is straightforward:

1. Go to the FSMOne website at secure.fundsupermart.com and click “Open Account”.
2. Complete your personal details — name, NRIC, contact information. SingPass MyInfo sign-in is available for faster verification.
3. Enter referral code P0544985 in the “Referral Code” field during registration.
4. Complete identity verification and submit your application. FSMOne typically approves accounts within 1–3 business days.
5. Once approved, fulfil any qualifying transaction requirements (check current promotion terms) and your Rewards Points will be credited within 6 weeks.

Tip: Ensure your account is fully approved before the promotion period ends. Points are credited after the qualifying period, not at sign-up.

FSMOne Overview: Fees, Features & Who It Suits

FSMOne, formerly known as Fundsupermart, is operated by iFAST Financial Pte Ltd — one of Singapore’s largest independent wealth management platforms with over S$21 billion in assets under administration. The platform has been running for over 26 years and is MAS-licensed.

FSMOne stands out in the Singapore brokerage market as the cheapest CDP-linked broker at every trade size as of May 2026, according to industry comparisons. This makes it particularly attractive for long-term Singapore stock and ETF investors who want holdings in their Central Depository (CDP) account — useful for things like CPF Investment Scheme (CPFIS) eligibility and rights issue participation.

FSMOne is best suited for investors who:

• Buy Singapore stocks (SGX) or local ETFs infrequently (buy-and-hold strategy)
• Want CDP-linked holdings for corporate action participation (rights, dividends via CDP)
• Invest via Regular Savings Plan (RSP) in ETFs at 0% processing fee
• Want a single platform for stocks, bonds, unit trusts, and cash management
• Are using CPF Investment Scheme (CPFIS) for OA or SA investing

It is less suited for active traders or those making high-frequency US/HK equity trades, where platforms like Interactive Brokers or Tiger Brokers may be cheaper per trade.

FSMOne Fee Breakdown 2026

Here is a summary of FSMOne’s key fees as at May 2026:

For more detail on FSMOne fees and how they compare to other Singapore brokers, see the FSMOne fees breakdown on The Kopi Notes.

Best Platforms to Pair With FSMOne in 2026

FSMOne is excellent for SGX stock and ETF investing, but most Singapore investors use it alongside complementary platforms for a well-rounded portfolio. Here are the top platforms that pair well with FSMOne — each with an active referral code offering sign-up bonuses.

Endowus Referral Code — S$20 Access Fee Waiver (Pair with FSMOne for CPF Investing)

Endowus is Singapore’s leading CPF and SRS investment platform. While FSMOne handles your SGX stock trades, Endowus is the go-to platform for investing your CPF Ordinary Account (OA) and Special Account (SA) savings into diversified fund portfolios — something FSMOne doesn’t offer through its CPFIS range in the same curated way.

Using the Endowus referral code, new sign-ups receive a S$20 access fee waiver (equivalent to S$20 off your first year’s advisory fee). Endowus charges a low 0.25%–0.60% p.a. access fee with no sales charge on funds, making it one of the lowest-cost CPF investing options available.

Why pair with FSMOne? Use FSMOne for your SGX stock picks and ETF RSP, and Endowus for CPF/SRS funds and global diversified portfolios. Together they cover both active investing and passive long-term retirement planning.

Syfe Referral Code — Free Management Fee for 6 Months

Syfe is one of Singapore’s top robo-advisors, offering portfolios like Syfe Income+, Syfe REIT+, and Syfe Core. Using a Syfe referral code, new users can get their first 6 months of management fee waived — a meaningful saving if you’re investing S$10,000 or more.

Syfe works well alongside FSMOne because it offers automated, hands-off portfolio management — ideal for investors who want to set aside a monthly amount into a diversified allocation without picking individual stocks. Syfe Income+ is particularly popular for generating regular monthly dividends, complementing the SGX dividend stocks you might hold through FSMOne.

Syfe charges 0.35%–0.65% p.a. management fee (no minimum balance), making it one of the more affordable robo-advisors for smaller amounts.

MariBank Referral Code — Up to S$30 Cash Reward

MariBank is Sea Group’s digital bank in Singapore, offering a high-yield savings account at competitive interest rates. Using a MariBank referral code when signing up, new users can earn up to S$30 cash reward (subject to current promotion terms).

MariBank works well as the savings and emergency fund layer in your investment setup. Keep 3–6 months of expenses in MariBank earning competitive interest, while deploying investable capital through FSMOne and Endowus. MariBank is also MAS-regulated and deposits are protected under SDIC up to S$100,000.

Trust Bank Referral Code — S$35 FairPrice Vouchers

Trust Bank is Singapore’s digital bank backed by Standard Chartered and FairPrice Group. New sign-ups using a Trust Bank referral code can earn S$35 worth of FairPrice vouchers (subject to current promotion terms and qualifying spend).

Trust Bank’s card offers 1.5% cashback on everyday spending and is particularly useful for FairPrice and Kopitiam purchases. It pairs well with FSMOne as your everyday banking and cashback layer while FSMOne handles your investment portfolio.

TribeCar Referral Code — Car Sharing Bonus for Singapore Drivers

TribeCar is Singapore’s peer-to-peer car sharing platform. If you drive occasionally and don’t own a car, TribeCar offers an affordable alternative to car ownership. Using a TribeCar referral code when signing up earns you bonus credits on your first booking.

From an investment angle, avoiding the high cost of car ownership in Singapore (COE prices remain elevated in 2026) is itself a wealth-building strategy — freeing up capital that can be deployed through FSMOne, Endowus, or Syfe instead. See our retirement calculator to model how much more you can accumulate by investing car expenses instead.

Complete Singapore Investment Platform Quick Reference

Further Reading on The Kopi Notes

• Singapore REIT ETF Guide 2026 — how to invest in S-REITs via ETFs through FSMOne
• Best S-REITs Singapore 2026 — top picks for SGX dividend investors
• CPF Investment Strategy Guide — how to use CPFIS via Endowus and FSMOne
• Retirement Planning Calculator — model your CPF + investment portfolio for retirement
• Dividend Portfolio Yield Calculator — calculate your passive income from SGX stocks

Frequently Asked Questions