Referral Codes as You Invest and Insure (Investment Platforms in Singapore)
Updated: 5 August 2025
I wished I had invested earlier, but the apparent complexity of stocks made me procrastinate. With the rise of investing tools, I have finally kick-started my investing journey (again), specifically robo-advisors. Since then, there have been many investment platforms to consider for diversifying my portfolio.
But better late than never. Better now than later. I highly encourage you to let your money work for you!
p.s. Find more referral codes to save when you dine and shop in this previous post.
Remember to do your due diligence before signing up on the following platforms. Sign up with my referral link/code to get bonuses. Cheers! 🙂
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T&Cs apply for all the following; please refer to the Campaign’s terms and conditions. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Digital Bank
It was announced in December 2020 that the Monetary Authority of Singapore (MAS) had awarded four digital bank licenses. I read an article which gives a good overview of the digital banks in Singapore.
Trust Bank Singapore
Trust Bank Singapore (“Trust Bank”) is a digital bank backed by Standard Chartered (60%) and FairPrice Group (40%). Trust Bank can link its banking services to Link Rewards (a loyalty program of Fairprice).
According to sg.finance.yahoo.com, Trust Bank did not have to apply for a separate full digital licence, as Standard Chartered Bank in Singapore secured an additional full bank licence to establish a subsidiary to operate new or alternative business models, such as a digital-led bank with ecosystem partners.
Receive a scratch card with sure-win rewards up to S$10,000 when you sign up with my referral code: 2MZ2A0YU
Here’s how you can get sign-up bonuses:
- Download the Trust Bank APP via www.trustbank.sg.
- Click “Use referral code” and key in 2MZ2A0YU. You wouldn’t be able to key in the referral code later on. (Referrer and referred both get this S$10)
- Sign up with SingPass MyInfo.
- Select either the Credit Card or the Savings Account. I chose the Savings Account because we have enough credit cards. It’s at 1% p.a. for the first $50,000, and as a bank, the deposit is insured by SDIC for S$75,000 per customer account. If you are interested in the credit card, Milelion.com did a detailed review on it: milelion.com/2022/09/02/trust-link-credit-card-review-too-many-emoji-not-enough-free-rice.
- Trust Card
- Wait for the physical cards or start to use the online debit card (savings account) or credit card in your APP. For your debit card, remember to top up your savings account first before using (Bank Code 9733 and SWIFT code is TRBUSGSG).
- To use before the physical cards are here, shop online or link your Trust Bank card to Apple / Google / Samsung Pay and pay using your smartphone NFC.
- Under Profile, copy your referral link and invite your family and friends.
- Redeem the Coupons and find other good deals under coupons, and add them to “My Coupons”.
Robo-Advisors
Robo-advisors are a great option for entry-level investors because of their low fees, low cost threshold and ease of use. If you have $25,000 or less to invest, robo-advisors may be a great option to help you get started.
CNBC
At the beginning of my investment journey, I didn’t want to monitor the market. Hence, I invested using robo-advisors such as Syfe and Stashaway. This was somewhat of a passive investing strategy for me. However, robo-advisors will be more expensive than if you DIY your investment. I have since moved on from robo-advisors.
Brokerages
After trying out robo-advisors, I ventured into the world of stock markets with two low-cost brokerages: Moomoo and Tiger Brokers. Compared to the high fees of traditional brokerage, these brokerages gave me a chance to trade in small amounts. For investors starting with low capital, high brokerage fees can reduce profits by a significant percentage. Hence, a brokerage that charges low fees enables you to trade small amounts while keeping the cost per trade low.
Lately, in July 2025, I’ve been trying out IBKR because it’s highly recommended by seasoned investors on Reddit. I took so long to try out because its UI is not as user-friendly as the other animal brokers I mentioned below. Certain of its processes can be cumbersome and with delays, but its small forex spread and low commission are attractive, particularly for investors with large trades.
Below are the brokerages that I am using:
Moomoo
- Moomoo is an independent brand of FUTU Holdings, a Hong Kong-based Nasdaq-listed global financial institution. Trade stocks, ETFs in SG, US, HK & CN markets on moomoo
- Use my referral link (j.moomoo.com/0mcgCb) to get rewards.
- Open an account and deposit S$1, S$3,000 or more
- Rewards: Get S$10 cash coupon and up to S$1,100 welcome bonus depending on your deposit.
Tiger Brokers
- Tiger Brokers, founded in 2014, is a Chinese Internet brokerage providing stock trading services in global markets, such as the US, Hong Kong, UK, and A-shares (Shanghai-Hong Kong Stock Connect / Shenzhen-Hong Kong Stock Connect), as well as asset management and wealth management services.
- Use my referral code (UU9OU1) or referral link (tigr.link/s/70BtLtz) to get rewards.
- To open an account with Tiger Brokers and deposit US$100 or more.
- Rewards: Earn US$3 per day, maximum US$90 for maintaining the balance above US$100 for 30 days.
Webull
- Webull is headquartered in New York but is owned by Fumi Technology, a Chinese holding company with financial backing from Xiaomi, Shunwei Capital, and other private equity investors in China. It is an online trading platform for Stocks, Options, ETFs, REITs, Mutual Funds, and more, while highlighting its zero platform fee for US Stocks & Options.
- Use my referral link (www.webull.com.sg/s/uIYsgD7NrvPHAZrHwr) to get rewards.
- Fund US$2,000, US$10,000, US$100,000 or more and maintain it for 30 days.
- Rewards: Up to US$600 (US$350 AAPL shares and US$250 trading vouchers)
POEMS (Phillip Capital)
- POEMS is an online trading platform by PhillipCapital, a Singapore-based broker. It offers trading in shares, CDP, ETFs, forex, futures, options, bonds, and more.
- Use my referral link (www.poems.com.sg/open-an-account/?referral=jbBOo) to get rewards.
- Get $0 US Commission for Cash Plus account: Opt-in to SMART Park (Excess Fund Management) within 14 days.
- Free S$50 worth of Amazon: Fund at least S$3,000 within 14 days of account opening and hold the funds for 30 days. And complete 3 BUY Trades (Stocks/ETFs/Unit Trusts) within 30 days.
- Free S$50 worth of Amazon and S$100 worth of Microsoft: Fund at least S$10,000 and hold for 30 days, complete 5 BUY Trades within 30 days.
- Free S$150 Stock Coupons: Fund at least S$50,000 and hold for 50 days.
Interactive Brokers (IBKR)
- Interactive Brokers (IBKR) is headquartered in Greenwich, Connecticut, and has offices in the United States, Canada, the United Kingdom, Ireland, Japan, Singapore, Australia, and other locations. It offers a platform for trading stocks, options, futures, currencies, bonds, and funds.
- Use my referral link (ibkr.com/referral/christina686) to get rewards.
- Fund and maintain at least US$10,000 for one year.
- Rewards: Up to US$1000 in IBKR stock (US$1 worth of stock for each S$100 in net deposits during the first year following the first deposit).
Endowus
- Endowus is a fee-only wealth & fund platform that’s based in Singapore. It allows you to invest your CPF, Supplementary Retirement Scheme (SRS) money, and cash savings.
- Use my unique promo code U4NRA at endowus.com/invite?code=U4NRA to get rewards.
- Fund and maintain at least S$1,000 for 90 days.
- Rewards: S$20 credits to offset the Endowus Fee applicable to your Endowus account.
Cryptocurrency
Gemini (Cryptocurrency Exchange)
With Cryptocurrencies under correction in 2021, I thought it might be a good time to enter into this alternative investment. Hopefully, it’s still better late than never. Although I must say I have FOMO moments when the prices were skyrocketing.
After reading a few finance blogs, I decided to trade on Gemini, an exchange that is more suited for me, a novice based in Singapore. For investors going into larger positions and/or who are experienced, they generally prefer Binance.
According to Gemini.com, “Gemini is a regulated cryptocurrency exchange, wallet, and custodian that makes it simple and secure to buy bitcoin, ether, and other cryptocurrencies.”
Follow the steps below to get US$10 worth of Bitcoin:
- Sign up with my referral link (gemini.com/share/r46vwkzc6) and we’ll each get US$10 worth of Bitcoin.
- Verify with Singpass.
- Under payment methods: Add bank manually for FAST transfer.
- Tip: Transfer a small amount to test.
- Transfer US$100 (or the equivalent of your domestic currency).
- Within 30 days of creating the account, buy or sell US$100 (or the equivalent of your domestic currency).
- Tip: Under Profile, switch to Active Trader to enjoy lower fees. Gemini ActiveTrader™ is a trading interface that offers advanced charting, additional trading pairs, order types, and deeper order book visibility. This interface is unavailable on the Gemini app.
Insurance
Insure yourself first before investing. Protect your wealth first, before you try to grow it. There is no point in growing wealth and losing it in the end. Get pure insurance products instead of investment-linked plans.
You can contact Quinn from Finexis or Havend for an insurance audit or to find out more. Quinn has shared with me some financial planning tips for parents with young children. You can reach out to Quinn on LinkedIn or at 9139 8267. Do quote JoogoStyle when you contact Quinn for an appointment. 😉
Before you go, you can get further savings with these:
- Referral codes when you shop and dine: home.joogostyle.com/referral-codes-singapore
- Free samples for baby and mother: baby.joogostyle.com/free-samples-for-baby
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