(Get free S$26) Endowus Referral Code : Y02KH

Use referral code Y02KH and get S$26 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 Capital Markets Services Licence CMS101051. What sets it apart from other robo-advisors is that it’s the first and leading platform in Singapore that lets you invest your Cash, CPF-OA and SRS monies through a single 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 (roughly 0.25%–0.60% p.a. depending on portfolio, subject to 9% GST) instead of hidden commissions.
• Institutional share class access. Endowus uses lower-cost institutional units of funds from Amundi, PIMCO, Dimensional and BlackRock — share classes you usually can’t buy directly 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 — the same structure used by most MAS-licensed fund platforms here.

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 during the current campaign:

• S$26 in Endowus Fee credits for you (upsized from the usual S$20), applied against your quarterly fee charge
• Chances in the Endowus World Cup Lucky Draw (see the section below)

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

• The S$26 is a fee credit, not cash. You can’t withdraw it to your bank. It simply offsets your quarterly Endowus Fee until used up.
• At the 0.40% CPF/SRS fee tier, S$26 in credit is roughly equivalent to S$13,000 advised free for 6 months — useful if you’re parking a chunk of CPF-OA.
• The S$26 rate is campaign-dependent. Once it expires, the reward drops back to the standard S$20. The Y02KH code captures whatever upsized rate is live when you sign up.
• You get the fee credit voucher even without Singpass (e.g. signing up via the referral link) — but Singpass sign-up is required for the lucky draw.

Endowus World Cup Lucky Draw: How to Enter

Endowus is running a World Cup Lucky Draw from 8 June to 7 July 2026. Ten lucky winners each win a 3D2N World Cup staycation at the Grand Copthorne Waterfront (18–20 July 2026), worth over S$800 — timed so you can watch the World Cup Final from the best seat, with zero regrets about staying up at 3am.

The stay is loaded: daily buffet breakfast for two, a complimentary upgrade to a Premier Room (subject to availability), late check-out, live match screenings with a complimentary beer tower and snacks, a S$20 F&B voucher, and 1-for-1 deals on afternoon tea and buffets. Families get a football otter plush toy, a kids’ football activity kit, and free dining and breakfast for children aged 12 and below.

Your Path to the Final — earn your chances

Entries are tiered, and they stack with no cap:

Worked examples straight from Endowus:

• New user who signs up with Singpass, invests, and makes 2 successful referrals → 26 chances
• Signed up via a referral link using Singpass and makes a Qualifying Investment → 6 chances
• Existing account holder who hasn’t invested yet, completes a Qualifying Investment → 5 chances

Key draw conditions:

• Singpass sign-up is mandatory to join the draw. No Singpass, no draw (but you still get the fee credit voucher).
• A Qualifying Investment is a fully settled investment of at least S$1,000 — settled by 7 July 2026, not merely placed. Cash, CPF or SRS all count.
• The draw is held on 10 July 2026. Winners are contacted by 10 July, 18:00 SGT, and published at endowus.com/worldcup26 by 17 July 2026.
• Staycation dates are fixed (18–20 July 2026). Winners who can’t attend forfeit the prize.

The draw is a bonus, not the main event. Treat the S$26 fee credit as the reliable reward and the staycation as upside.

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 pulls your NRIC details, address and employment info through Myinfo — under 2 minutes. (Singpass sign-up also earns your first draw chance.)
3. Complete your risk profile. A short questionnaire on goals, time horizon and risk tolerance. Endowus recommends a portfolio; you can override it.
4. Fund your account. Transfer at least S$1,000 via PayNow, FAST or DBS PayLah. For CPF, link your CPF Investment Account (DBS, OCBC or UOB). For SRS, link your SRS account.
5. Place your first order — and let it settle by 7 July 2026. Uninvested cash does not count, and for the draw the trade must be fully settled, not just submitted. This earns your S$26 credit eligibility and 5 draw chances.
6. Stay invested for 90 days. The S$26 credit applies after the 90-day hold and is automatically offset against your next quarterly Endowus Fee.

Eligibility & Terms You Should Know

The short version of what actually matters:

• The S$26 referral credit is for new users. Existing account holders can’t use the code as a referee, but can share their own code to earn credits.
• The lucky draw is open to both new and existing clients. Existing unfunded clients qualify by making a S$1,000 investment; existing funded clients earn chances through referrals.
• Minimum S$1,000 qualifying investment — lower amounts don’t trigger the bonus or the 5 draw chances.
• For the fee credit, you must stay invested for 90 days. Withdraw earlier and you forfeit it.
• For the draw, the S$1,000 must be fully settled by 7 July 2026 — not just placed.
• Cash, CPF-OA or SRS all count toward the S$1,000 minimum.
• No cap on referrals — each successful one adds S$26 credit plus 10 draw chances.
• Credit is non-transferable and non-withdrawable — it only offsets fees.
• Open to all Singapore-based investors excluding US Persons.

Is the Endowus Referral Bonus Worth It?

Honestly, S$26 is modest next to some fintech sign-up bonuses (StashAway can hit S$300 in special campaigns; MariBank gives cash). Two things make Y02KH worth using:

1. You’d be opening an Endowus account anyway if you’re on this page. The code costs nothing to add — it’s free money plus draw chances on top.
2. S$26 wipes out fees on ~S$13,000 invested for 6 months at the CPF/SRS tier. If you’re moving S$20k–S$50k of CPF-OA into a CPF portfolio, that erases your first few months of platform fees.

The World Cup Lucky Draw sweetens the deal if you qualify before 7 July 2026, but keep it in perspective — 10 winners across the whole eligible pool is a long shot, and the prize dates are locked to 18–20 July, so don’t count your chickens. The fee credit is the part you can actually bank on.

What it’s not: a reason to sign up if Endowus doesn’t fit your strategy. Pick a wealth platform for its fee structure, fund access and CPF support — then use the code as a bonus, not the deciding factor.

FAQ

When is the World Cup Lucky Draw promotion period?

8 June to 7 July 2026. Your Qualifying Investment must be fully settled by 7 July 2026 to count.

How do I earn lucky draw chances?

Sign up via Singpass (1 chance), make a first Qualifying Investment of at least S$1,000 (5 chances), and make successful referrals (10 chances each, no cap). Chances stack — e.g. Singpass sign-up + investment + 2 referrals = 26 chances.

What can I win, and when is the draw?

Ten winners each get a 3D2N staycation at the Grand Copthorne Waterfront on 18–20 July 2026, worth over S$800, timed for the World Cup Final. The draw is held on 10 July 2026, winners are contacted by 10 July 18:00 SGT, and names are published at endowus.com/worldcup26 by 17 July 2026.

Do I need Singpass to join the draw?

Yes. Without a Singpass sign-up you won’t be entered into the draw, though you’ll still receive the Endowus Fee Credit voucher if you signed up via a promotional or referral link.

Can I join the draw if I already have an Endowus account?

Yes. Existing clients with unfunded accounts qualify by making a minimum S$1,000 investment; existing funded clients can earn chances through referrals.

What if I can’t make the 18–20 July staycation dates?

The dates are fixed to coincide with the World Cup Final. Winners who can’t attend forfeit the prize.

How long does the S$26 credit take to appear?

The credit is issued after your 90-day hold completes and the investment shows as “Completed”, then offset against your next quarterly Endowus Fee. Depending on where you join the billing cycle, expect it within 3–6 months.

Can I use the referral code if I already have an account?

You can’t use it as a referee for the S$26 credit (new users only), but you can tag a code via Rewards → My Rewards → Enter Code before your first qualifying investment completes, and you can still join the draw via the rules above.

What’s the minimum investment to qualify?

S$1,000, and it must be invested and (for the draw) fully settled by 7 July 2026. Cash, CPF-OA and SRS funding all count.

Can I withdraw the S$26 as cash?

No. It’s a fee credit that offsets your quarterly Endowus Fee. Not redeemable as cash, not transferable.

Is Endowus safe?

Endowus holds MAS Capital Markets Services Licence CMS101051. Client assets are held in segregated trust accounts with UOB Kay Hian, separate from Endowus’s balance sheet, so they’re protected even if Endowus becomes insolvent.

Can foreigners use the Endowus referral code in Singapore?

Yes, if you’re a Singapore-based investor with a valid local address and bank account. US Persons are excluded.

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

Once your account is active and your first investment is in, go to Rewards → Share in the app or web dashboard.

Ready to Claim Your S$26 + World Cup Draw Chances?

Sign up with Endowus referral code Y02KH via Singpass, invest at least S$1,000, and let it settle by 7 July 2026. You’ll lock in the S$26 fee credit (after the 90-day hold) and your World Cup Lucky Draw chances — with a shot at a S$800+ staycation for the Final.

Code: Y02KH | Reward: S$26 Endowus Fee credit + World Cup Lucky Draw | Min. invest: S$1,000