(Get free S$20) Endowus Referral Code : Y02KH

Use referral code Y02KH and get S$20 off Endowus Fees when you invest from S$1,000. MAS-licensed Cash, CPF & SRS investing.

What is Endowus and Why Use It

Endowus is a Singapore-based digital wealth platform regulated by the Monetary Authority of Singapore (MAS) under a Capital Markets Services licence. What makes it stand out from other robo-advisors is that it’s the only platform in Singapore that lets you invest your Cash, CPF-OA and SRS monies through one dashboard.

Three things investors typically like about it:

• Fee-only model. Endowus refuses all trailer fees from fund managers and rebates 100% back to you. You pay a transparent Endowus Fee (0.25%–0.60% p.a. depending on portfolio) instead of hidden commissions.
• Institutional share class access. Endowus uses lower-cost institutional units of funds from Amundi, PIMCO, Dimensional and others — share classes you usually can’t buy as a retail investor.
• CPF-OA investing. Your CPF-OA earns a default 2.5% p.a. With Endowus, you can put it to work in globally diversified portfolios while staying within CPFIS rules.

Your assets sit in a trust account with UOB Kay Hian as custodian, segregated from Endowus’s own balance sheet. That’s the same structure used by most MAS-licensed fund platforms in Singapore.

Endowus Referral Code: Y02KH — What You Get

When you sign up using the Endowus referral code Y02KH, here’s exactly what lands in your account:

• S$20 in Endowus Fee credits for you, applied against your next quarterly fee charge
• Credits are equivalent to S$10,000 advised free for 6 months (using the 0.40% CPF/SRS fee tier as the benchmark)

A few honest notes so you know what you’re signing up for:

• The S$20 is a fee credit, not cash. You can’t withdraw it to your bank account. It simply offsets your quarterly Endowus Fee until it runs out.
• The referral programme itself has no fixed expiry — it’s evergreen. But campaign-specific upsizes do expire, so it’s worth signing up sooner if you see a promotion running.

How to Use the Endowus Referral Code (Step-by-Step)

The flow takes about 15 minutes if you have Singpass and your bank details ready.

1. Download the Endowus app from the App Store / Google Play and enter referral code Y02KH at the sign-up screen.
2. Verify your identity via Singpass. Endowus uses Myinfo to pull your NRIC details, address and employment info — takes under 2 minutes.
3. Complete your risk profile. A short questionnaire on goals, time horizon and risk tolerance. Endowus recommends a portfolio based on your answers; you can override it.
4. Fund your account. Transfer at least S$1,000 via PayNow, FAST or DBS PayLah. For CPF investing, link your CPF Investment Account (with DBS, OCBC or UOB). For SRS, link your SRS account.
5. Place your first order. This is the key step — uninvested cash sitting in your account does not count. You must actually execute a buy order of S$1,000 or more.
6. Stay invested for 90 days. The S$20 credit applies after the 90-day hold, and is automatically offset against your next quarterly Endowus Fee.

Eligibility & Terms You Should Know

To save you a click into the full T&Cs, here’s the short version of what actually matters:

• New users only. If you already have an Endowus account, the referral code won’t work for you as the referee — but you can still share your own code to earn credits.
• Minimum S$1,000 qualifying investment. Lower amounts don’t trigger the bonus.
• Must stay invested for 90 days. If you withdraw before then, the bonus is forfeited.
• The S$1,000 minimum can be Cash, CPF or SRS — any funding source counts.
• No cap on referrals you can make once you become a user yourself.
• Credit is non-transferable and non-withdrawable — it only offsets fees.
• Available to Singapore residents (Singaporeans, PRs, and foreigners with a Singapore address and bank account). Endowus also operates in Hong Kong, but the SG code is for the SG entity.

How to Share Your Own Endowus Referral Code

Once your account is set up and your first investment is in, you can refer friends and family:

1. Log into Endowus → click Rewards in the top menu
2. Hit Share to get your unique 5-character code and referral link
3. Send it via WhatsApp, Telegram or email. Both you and your friend get S$20 in fee credits when they invest S$1,000 and hold for 90 days.

There’s no cap on referrals — successful Endowus referrers in Singapore have built up hundreds of dollars in fee credits over the years.

FAQ

How long does the S$20 credit take to appear?

The credit is issued after your referee completes the 90-day hold period and the qualifying investment shows as “Completed”. It’s then automatically offset against your next quarterly Endowus Fee — so depending on when you joined the billing cycle, you may see it within 3–6 months.

What’s the minimum investment to qualify for the Endowus sign up bonus?

S$1,000 — and it must be invested (not just sitting in your cash balance). Cash, CPF-OA and SRS funding all count.

Can I withdraw the S$20 as cash?

No. The S$20 is a fee credit that offsets your quarterly Endowus Fee. It’s not redeemable as cash and not transferable.

What happens if I withdraw before 90 days?

You forfeit the referral bonus. Your assets are still yours to redeem at any time without penalty, but the S$20 credit will not be issued.

Is Endowus safe?

Endowus is licensed by the Monetary Authority of Singapore (MAS) under a Capital Markets Services licence. Client assets are held in segregated trust accounts with UOB Kay Hian, separate from Endowus’s own balance sheet, so they’re protected even in the unlikely event Endowus becomes insolvent.

Can foreigners use the Endowus referral code in Singapore?

Yes, as long as you’re a Singapore resident with a valid Singapore address and a Singapore bank account. You’ll need to verify your identity (Singpass for SG citizens/PRs, or via the foreigner onboarding flow for others).

How do I get my own Endowus referral code to share?

Once your account is active and you’ve made your first investment, go to Rewards → Share inside the Endowus app or web dashboard. You’ll see your unique code and shareable link.

Ready to Get Your S$20 Endowus Fee Credit?

Sign up with Endowus referral code Y02KH, invest at least S$1,000, and the S$20 fee credit lands automatically after 90 days. No paperwork, no extra steps.

Code: Y02KH | Reward: S$20 Endowus Fee credit | Min. invest: S$1,000