(Get free S$61) Endowus Referral Code : Y02KH

Use referral code Y02KH and get S$61 off Endowus Fees when you invest from S$1,000. MAS-licensed Cash, CPF & SRS investing.

Endowus Referral Code Y02KH: Get S$61 Off Your Fees This National Day (2026)

Use the Endowus referral code Y02KH and you’ll get S$61 off your Endowus Fees — an SG61 National Day upsize from the usual S$20. Invest at least S$1,000 in Cash, CPF-OA or SRS and stay invested for 90 days. The campaign runs until 14 August 2026, after which the reward reverts to S$20.

🇸🇬 Quick Claim Box

Referral code: Y02KH
Reward: S$61 in Endowus Fee credits (SG61 upsize; usually S$20)
Minimum investment: S$1,000 — Cash, CPF-OA or SRS
Hold period: 90 days
Campaign ends: 14 August 2026
Sign up: endowus.com/invite?code=Y02KH

That’s not manufactured urgency — the S$61 is tied to the National Day campaign window. Miss it and you’ll still get the standard S$20, which is a S$41 difference for the same S$1,000 investment.

What is Endowus and Why Use It

Endowus is a Singapore-based digital wealth platform regulated by the Monetary Authority of Singapore under Capital Markets Services Licence CMS101051. It’s the first and leading platform here that lets you invest Cash, CPF-OA and SRS 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 as Cashback. You pay one transparent Endowus Fee instead of hidden commissions baked into your fund.
• Institutional share class access. Lower-cost institutional units of funds from Amundi, Dimensional, PIMCO, BlackRock, JP Morgan and Vanguard — share classes you usually can’t buy directly as a retail investor.
• CPF-OA and SRS investing. Your CPF-OA earns a default 2.5% p.a. and idle SRS earns 0.05%. Endowus lets you put both to work within CPFIS rules.

Your assets sit in a segregated trust account with UOB Kay Hian as custodian, separate from Endowus’s own balance sheet.

Endowus Referral Code: Y02KH — What You Get

Sign up with the Endowus referral code Y02KH during the SG61 campaign and here’s what lands:

• S$61 in Endowus Fee credits for you, offset against your quarterly fee charge
• S$61 in Endowus Fee credits for the referrer — two-sided, no one loses out
• Applies to your first investment of at least S$1,000, held 90 days

What S$61 is actually worth. Endowus frames its standard S$20 credit as “S$10,000 advised free for 6 months” at the 0.40% CPF/SRS rate. On the same maths, S$61 covers a full year of Endowus Fees on roughly S$15,250 of CPF or SRS — or six months on about S$30,500. If you’re moving a chunk of CPF-OA across, that’s a meaningful chunk of your first-year platform cost erased.

Two honest caveats:

• The S$61 is a fee credit, not cash. It offsets your quarterly Endowus Fee. You can’t withdraw it to PayNow or your bank.
• The S$61 rate ends 14 August 2026 and reverts to the standard S$20. The Y02KH code captures whatever rate is live on the day you sign up, so the timing is on you.

Endowus Fees: What You Actually Pay

The referral credit only matters if you understand what it’s offsetting. Endowus charges one all-in Endowus Fee, billed quarterly based on your daily average assets under advice.

Costs that sit on top of the Endowus Fee:

• 9% GST on the Endowus Fee.
• Fund-level fees (TER) charged by the fund manager. These are already embedded in each fund’s daily NAV, so you won’t see a separate deduction — but they’re real. Endowus rebates 100% of any trailer fee component back to you as Cashback.
• Agent bank charges if you’re investing CPF-OA through your CPFIS account (DBS, OCBC or UOB). Note there’s no agent bank charge on SRS.
• Transfer-out fee of USD 100 per fund if you transfer a fund out within 6 months of buying it.

The CPF-OA hurdle worth knowing: investing CPF-OA means giving up the guaranteed 2.5% p.a. So a multi-fund CPF portfolio needs to clear roughly 2.5% + 0.40% + fund TER before you’re ahead. Over a 5-year-plus horizon that’s a reasonable bar for a diversified equity portfolio — but it is a bar, not a given.

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

About 15 minutes if you have Singpass and your bank details ready.

1. Go to endowus.com/invite?code=Y02KH, or download the Endowus app and enter code Y02KH at the sign-up screen.
2. Verify via Singpass. Endowus pulls your NRIC details, address and employment info through Myinfo — under two minutes.
3. Complete your risk profile. Short questionnaire on goals, horizon and risk tolerance. Endowus suggests a portfolio; you can override it.
4. Fund your account. At least S$1,000 via PayNow or FAST. For CPF, link your CPF Investment Account. For SRS, link your SRS account with your agent bank.
5. Place your first order before 14 August 2026. Uninvested cash sitting in your account does not count — you must actually execute a buy order to qualify.
6. Stay invested for 90 days. The credit is then automatically offset against your next quarterly Endowus Fee.

Forgot to enter the code at sign-up? Log in → Rewards → My Rewards → add promo code Y02KH, before your first qualifying investment completes.

Eligibility & Terms You Should Know

• New Endowus clients only for the referral credit. Existing clients can’t use a code as a referee, but can share their own.
• Minimum S$1,000 qualifying investment. Lower amounts don’t trigger anything.
• 90-day hold required. Withdraw earlier and you forfeit the credit. Your money is still yours to redeem — no penalty, just no bonus.
• Cash, CPF-OA and SRS all count toward the S$1,000.
• Credit is non-transferable and non-withdrawable. Fee offset only.
• Referral credits don’t expire once issued.
• No cap on referrals you can make.
• Stacking: referral credits generally stack with other campaigns unless the T&Cs say otherwise — but partner offers usually don’t. The HomeTeamNS “S$50 off Endowus Fee for 6 months” deal (live until 31 December 2026, new clients only) is one to compare against rather than assume you can combine. If you’re a HomeTeamNS member, work out which is worth more to you before signing up.
• Open to all Singapore-based investors, excluding US Persons.

Is the Endowus Referral Bonus Worth It?

At the standard S$20 it’s modest — StashAway has run campaigns up to S$300, and cash bonuses from digital banks land faster. At S$61 it’s genuinely competitive, and it costs you nothing extra to add a code you were going to sign up without.

The honest framing: S$61 is roughly a year of platform fees on S$15,000 of CPF. That’s a real saving, but it’s a one-off. What actually determines whether Endowus is worth it over ten years is the 0.40% CPF fee, the trailer fee rebate, and whether you value CPF and SRS investing in one place.

So use the code — just don’t let a S$61 credit pick your wealth platform. If Endowus doesn’t fit your strategy, S$61 won’t fix that. If it does, there’s no reason to leave S$61 on the table before 14 August.

How to Share Your Own Endowus Referral Code

Once your account is funded and your first investment is in:

1. Log in → Rewards in the top menu
2. Click Share for your unique 5-character code and referral link
3. Send via WhatsApp or Telegram. Both sides get the credit when your friend invests S$1,000 and holds 90 days.

No cap on referrals. Endowus’s terms do ask you to refer people you actually know and not to mass-message or pay to advertise referral links — worth respecting if you don’t want your rewards clawed back.

FAQ

Does the Endowus referral code Y02KH still work in 2026?

Yes. Y02KH is valid for new Singapore clients. It’s currently paying the upsized S$61 SG61 rate until 14 August 2026, then reverts to the standard S$20.

Why is the reward S$61 instead of S$20?

It’s a National Day campaign — S$61 for Singapore’s 61st birthday. Endowus regularly upsizes its referral reward for seasonal campaigns; past ones have paid S$26, S$28, S$38 and S$68. The base rate outside campaigns is S$20.

When does the S$61 Endowus promotion end?

14 August 2026. Your qualifying investment needs to be made within the campaign window, so don’t leave it to the last day — bank transfers and CPF deductions take a business day or two to clear.

How long does the credit take to appear?

It’s applied after your 90-day hold completes, then offset against your next quarterly Endowus Fee. Depending on where you land in the billing cycle, expect it within 3 to 6 months. Once issued, referral credits don’t expire.

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

Not as a referee — the credit is for new clients. If you opened an account without a code and haven’t made a qualifying investment yet, you can still add one under Rewards → My Rewards.

What’s the minimum investment to qualify?

S$1,000, and it must be actually invested, not left as an uninvested cash balance. Cash, CPF-OA and SRS all count.

Can I withdraw the S$61 as cash?

No. It offsets your quarterly Endowus Fee. Not redeemable for cash, not transferable.

What happens if I withdraw before 90 days?

You forfeit the credit. There’s no penalty on the money itself — you can redeem anytime — but the bonus won’t be issued.

What does Endowus actually charge in fees?

0.40% p.a. for multi-fund CPF-OA and SRS portfolios, 0.25%–0.60% for Cash depending on size, 0.30% for single-fund goals, and 0.05% for cash management portfolios. Add 9% GST, plus fund-level TERs embedded in each fund’s NAV.

Can I stack the referral code with the HomeTeamNS S$50 offer?

Generally no — partner promotions are usually marked as not combinable. Compare the two and pick the better one for your situation rather than assuming both apply.

Is Endowus safe?

Endowus holds MAS Capital Markets Services Licence CMS101051. Client assets sit in segregated trust accounts with UOB Kay Hian, separate from Endowus’s balance sheet, so they’re protected even if Endowus were to become insolvent. That said, your investments themselves still carry market risk and aren’t capital guaranteed or SDIC-insured.

Can foreigners use the Endowus referral code in Singapore?

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

How do I get my own Endowus referral code?

Log in and go to Rewards → Share once your account is funded and invested.

Claim Your S$61 Before 14 August

Sign up with Endowus referral code Y02KH, invest at least S$1,000 in Cash, CPF-OA or SRS, and hold for 90 days. The S$61 credit is applied to your fees automatically — no forms, no follow-up.

👉 Sign up with code Y02KH →

Code: Y02KH | Reward: S$61 Endowus Fee credit | Min. invest: S$1,000 | Ends: 14 Aug 2026