Endowus review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Endowus suits Singapore residents who want idle cash earning interest and spare money invested in one place, with no monthly fee and a variable rate. It suits investors who accept that the account is built for Cash and SRS money rather than many currencies.
Key facts
- Best for
- Parking cash for interest and investing the rest, in one account.
- Headline rate
- 1.3% to 2.5%↗
- Rate type
- Variable↗
- Access terms
- No lock-ups, unlimited transfers, daily accrual; invest Cash and SRS only, withdrawals processed same or next business day↗
- Monthly fee
- SGD 0↗
- Account kind
- Cash management↗
- Regulators
- Monetary Authority of Singapore (capital markets services licence)↗
- Legal entity
- Endowus Singapore Pte. Ltd.↗
- Headquarters
- Singapore↗
- Founded
- 2019↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- endowus.com
Pros and cons
Pros
- No monthly fee at SGD 0
- Variable rate of 1.3% to 2.5%
- Management fees of 0.15% to 0.6% on portfolios
- Support runs on email, phone and help centre
Cons
- The rate is variable, so it moves rather than staying fixed for a term
- Cash covers Cash and SRS only, with a minimum investment of SGD 1,000 on portfolios
- Only joint accounts are offered
Who it suits
- Singapore residents holding dollars who want their cash to earn interest
- Investors who want one place for cash and portfolios
- Anyone saving through SRS
Who should look elsewhere
- bunq, if you want a euro account with a payment card
- Wise, if you need to hold and convert many currencies
- Finteres, if you prefer automated savings plans
Rates and terms
The cash account pays a variable rate of 1.3% to 2.5%, so the figure moves rather than locking in for a term. There are no lock-ups, transfers are unlimited and interest accrues daily, with withdrawals processed on the same or the next business day. Cash can be held in Cash and SRS only, and the account carries no monthly fee. Endowus is regulated by the Monetary Authority of Singapore under licence 101051, and runs as Endowus Singapore Pte. Ltd..
How Endowus compares
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Where Endowus is available
- Available
- Hong Kong, Singapore
- Licence in Singapore
- Monetary Authority of Singapore (101051), checked September 26, 2026
- Licence in Hong Kong
- Securities and Futures Commission of Hong Kong (BQR225), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Endowus cash account pay?+
The cash account pays a variable rate of 1.3% to 2.5%, and interest accrues daily. Because the rate is variable, it can move over time rather than staying fixed for a set term. There are no lock-ups on the balance.
Does Endowus charge a monthly account fee?+
The monthly fee is SGD 0, so the cash account carries no monthly charge. Fees on the investing side are separate, with management fees of 0.15% to 0.6% depending on the portfolio you hold.
Who regulates Endowus?+
Endowus is regulated by the Monetary Authority of Singapore, under licence 101051. The company is Endowus Singapore Pte. Ltd. and is based in Singapore. It is also licensed in Hong Kong under licence BQR225.
Can I withdraw cash quickly?+
Withdrawals are processed on the same or the next business day, with unlimited transfers and no lock-ups. Money can only be taken from Cash and SRS balances, so the account is built around Singapore savings rather than other currencies.
How much do I need to start investing?+
A minimum investment of SGD 1,000 applies, and accounts come in joint form. Portfolios cover ESG and cash options, with management fees of 0.15% to 0.6%. A separate Hong Kong licence also sits with the regulator there.
Who does Endowus suit?+
It suits Singapore residents who want their cash to earn interest and their spare money invested in the same place. The account runs on a no-monthly-fee model, so there is no monthly charge on the cash balance. It suits savers comfortable with a variable rate.
How do I get help from Endowus?+
Support runs on email, phone and help centre, so you can reach the team by email, phone or through the help centre. Getting started is handled on the same platform, and the account charges no monthly fee. There is no branch network to visit.
When was Endowus founded?+
Endowus was founded in 2019 and operates from SG as Endowus Singapore Pte. Ltd.. It is regulated by the Monetary Authority of Singapore, and offers joint accounts on a no-monthly-fee model.
Sources
- endowus.com checked September 26, 2026
Backs: Legal entity, Portfolio types, Regulators
“legalName: Endowus Singapore Pte. Ltd. ... Company Registration Number 201708816N”
- endowus.com/about-us checked September 26, 2026
Backs: Founded
“The Endowus team celebrating their 5th year anniversary in 2024”
- endowus.com/cash-smart checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Monthly fee, Rate type
“No lock ups, Unlimited transfers ... Daily accrual on interest returns”
- endowus.com/getting-started checked September 26, 2026
Backs: Support channels
“If you get stuck and need a little help ... please contact us at support@endowus.com”
- endowus.com/invest-cash checked September 26, 2026
Backs: Headquarters, Pricing model
“streetAddress: 158 Cecil St, #08-01, addressLocality: Singapore, addressCountry: SG”
- endowus.com/pricing checked September 26, 2026
Backs: Management fee
“Endowus Access Fee 0.15% - 0.60% per year, depending on what you invest in”
- eservices.mas.gov.sg/fid/institution/detail/218490-ENDOW-... checked September 26, 2026
Backs: Licences
- help.endowus.com/hc/en-sg checked September 26, 2026
Backs: Account types
“Can I set up a joint account? (SG)”
- help.endowus.com/hc/en-sg/articles/360000524534-Does-Endo... checked September 26, 2026
Backs: Minimum investment
“The initial minimum investment amount is $1,000.”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.