How the Endowus referral program works
Endowus credits both sides $20 off its advisory fee, which it frames as S$10,000 of assets advised free for six months, once the referred friend invests at least S$1,000 and stays invested for a minimum of 90 days. Credits apply automatically against the quarterly fee, and there is no limit on referrals.
What the program pays
What makes this program different
A stay-invested test before anyone is paid. The S$1,000 must remain invested for 90 days, which for an advisory product filters out bonus-chasers who fund, collect and redeem. The reward is also deliberately not cash: fee credits net against the next quarterly bill automatically, so the payout can only be consumed by remaining a client.
Why it works
A 90-day holding requirement makes the referral bonus economics depend on real assets under advice.
Fee credits are worthless to anyone who leaves, which quietly aligns the reward with retention.
Automatic offset at billing removes every redemption step, and unclaimed-reward complaints with it.
Framing $20 as S$10,000 advised free translates a small number into the product's own units.
What to copy
- Qualify investment referrals on time invested, not just amount deposited.
- Pay in fee credit where retention is the business model; cash rewards leave with the customer.
- Restate the reward in product units your customers already think in.
- The help article mixes S$ and plain $ notation exactly as quoted here; both refer to Singapore dollars. Full campaign terms sit behind the login in the Rewards tab, so credit expiry rules, if any, are not public.
Endowus referrals, answered
What is the Endowus referral reward?
$20 off the Endowus fee for each side, which Endowus describes as S$10,000 in assets advised free for six months. Credits are applied automatically against the quarterly fee.
When does an Endowus referral pay out?
After the referred friend invests at least S$1,000, the transaction shows as completed, and the money stays invested for a minimum of 90 days.
How many people can you refer to Endowus?
There is no limit. Credits from successful referrals accumulate and offset future fees automatically.
Endowus is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Endowus. All terms described here are taken from Endowus’s own published materials as at 8 September 2026 and may have changed since. Trade marks are the property of their respective owners.
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