Name: Syfe
Brand: Syfe
Availability: InStock
Rating: 4.2 (1 reviews)

Overview

Syfe is an MAS-licensed wealth platform (CMS100837) combining robo-advisory managed portfolios, self-directed brokerage trading, and high-yield cash management under one account. Managed portfolio fees range from 0.25% to 0.65% annually across a five-tier system, while the brokerage gives access to US, Singapore, and Hong Kong stocks with fractional shares from US$1. The platform serves over 250,000 users across Singapore, Hong Kong, and Australia with S$10 billion in assets. Cash+ Guaranteed products provide fixed returns up to 4.35% p.a., and the recent addition of US options trading expands the platform beyond its robo-advisory roots.

Pros

↑All-in-one platform for managed portfolios, stock brokerage, and cash management in a single account
↑Five-tier pricing system where fees drop as assets grow, down to 0.25% p.a. at Diamond tier
↑Fractional share trading from US$1 across US, Singapore, and Hong Kong markets

Cons

↓Brokerage limited to US, Singapore, Hong Kong, and UCITS ETF markets only
↓Blue tier gets only 2 free US trades per month, with S$1.49 per trade after that
↓No CPF-OA investing, only SRS accounts supported for retirement

Key Highlights

Welcome Offer
Fee waivers and free trades
New client promotion with fee waivers and free trades
Unlimited free US trades for first 3 months
Fee waivers on managed portfolios for qualifying users
Zero commission on options until 20 February 2026
Enhanced fixed returns on Cash+ Guaranteed

Trading Costs
0.25% to 0.65% managed fee
Blue (no min): 0.65% p.a. managed, 0.15% Cash+ Flexi SGD
Black (S$50k+): 0.55% p.a. managed, 0.10% Cash+ Flexi
Gold (S$250k+): 0.45% p.a. managed, 0.10% Cash+ Flexi
Platinum (S$1M+): 0.35% p.a., 0.10% Cash+ Flexi
Diamond (S$5M+): 0.25% p.a., 0.05% Cash+ Flexi
Cash+ Guaranteed: No management fees
Subject to GST as of 1 January 2026

Assets & Markets
3 investment solutions
Managed Portfolios: Automated ETF-based investing with rebalancing
Brokerage: Self-directed trading for US, SG, HK stocks and US options
Cash Management: Cash+ Flexi and Cash+ Guaranteed products
All accessible from a single platform and account

Why Choose?
Up to 4.35% guaranteed returns
Cash+ Guaranteed: fixed rates from 1.45% to 4.35% p.a.
Terms available: 1, 3, 6, and 12 months
Capital and returns guaranteed subject to bank counterparty risk
No management fees charged on Guaranteed
Cash+ Flexi also available for flexible access

Regulation & Safety
MAS licensed CMS100837
Licensed by Monetary Authority of Singapore
Capital Markets Services License No. CMS100837
Client funds segregated from company assets
Regular regulatory audits and compliance
S$10 billion+ in assets under management
250,000+ users across 3 countries

Account Minimum
$0 minimum deposit
No minimum to open account
No account maintenance fees
Start with any amount in managed portfolios
Fractional shares from US$1 in brokerage
SingPass onboarding in minutes

Key Benefits

Trading Costs

★4.0

▼

Managed portfolios: 0.25-0.65% p.a. decreasing by tier
US Brokerage: Unlimited free trades first 3 months, then 2-unlimited free monthly by tier
US trades after free allowance: S$0.99 to S$1.49 per trade
Singapore: 0.040-0.060% of trade value (min S$1.98)
Hong Kong: 0.040-0.060% of trade value (min HK$15)
US options: US$0.29 to US$0.59 per contract
No platform, custody, or account maintenance fees

Platform And Tools

★4.3

▼

Mobile-first design with clean interface
Web platform accessible from any browser
Portfolio builder for custom ETF allocation
Real-time market data and portfolio tracking
Automatic dividend reinvestment
Recurring investment setup available
US options trading capability

Research And Analysis

★3.8

▼

Syfe Magazine with market insights and analysis
Portfolio performance reviews published regularly
Economic commentary from investment team
Thematic investment guides available
Educational content for beginners

Mobile Trading

★4.4

▼

Full-featured iOS and Android apps
Mobile-first platform design philosophy
Complete access to all products
Real-time portfolio monitoring
Push notifications for important updates
Biometric authentication supported

Account Features

★4.2

▼

Multi-currency support (SGD, USD, HKD)
SRS account integration for retirement
Five-tier benefits system (Blue to Diamond)
Automatic portfolio rebalancing
Goal-based investing tools
Fast SingPass account opening

Security And Trust

★4.3

▼

MAS licensed (CMS100837) since 2019
Client funds segregated at major banks
S$10 billion+ in assets under management
250,000+ users across 3 countries
Two-factor authentication standard
Regular security audits conducted

Customer Support

★3.9

▼

Email support via [email protected]
In-app messaging available
Detailed FAQ and help centre
Response time within 24-48 hours
English and limited Chinese support
Gold+ tier clients get dedicated wealth experts

Educational Resources

★3.7

▼

Syfe Magazine with investment education
Portfolio strategy explanations
Market trend analysis articles
Product-specific guides available
Webinars for Private Wealth clients

VIP Program

1Blue (Standard)

▼

Volume A U M	No minimum required Entry level tier for all new users
Fee Waivers	Managed portfolios: 0.65% p.a. Cash+ Flexi SGD: 0.15% p.a. Cash+ Flexi USD: 0.20% p.a. Brokerage US: 2 free trades monthly US options: US$0.59 per contract
Exclusive Tools	Access to all managed portfolios Full brokerage functionality Cash management products
Other Perks	Standard customer support Educational resources access Mobile and web platform

2Black

▼

Volume A U M	S$50,000+ in assets or net deposits Automatically upgraded when reached
Fee Waivers	Managed portfolios: 0.55% p.a. Cash+ Flexi SGD: 0.10% p.a. Cash+ Flexi USD: 0.20% p.a. Brokerage US: 4 free trades monthly US options: US$0.49 per contract
Exclusive Tools	Priority platform features Enhanced portfolio analytics
Other Perks	Lower ongoing fees Improved free trade allowance

3Gold

▼

Volume A U M	S$250,000+ in assets or net deposits Access to dedicated wealth experts
Fee Waivers	Managed portfolios: 0.45% p.a. Cash+ Flexi SGD: 0.10% p.a. Cash+ Flexi USD: 0.20% p.a. Brokerage US: 8 free trades monthly US options: US$0.39 per contract
Exclusive Tools	Advanced portfolio customisation Dedicated wealth expert access
Other Perks	Substantially lower fees Generous free trade allocation Priority customer service

4Platinum / Diamond

▼

Volume A U M	Platinum: S$1M+ in assets Diamond: S$5M+ in assets
Fee Waivers	Managed: 0.35% (Platinum) to 0.25% (Diamond) Cash+ Flexi SGD: 0.10% (Platinum) to 0.05% (Diamond) Cash+ Flexi USD: 0.15% both tiers US: 10 free trades (Platinum) to unlimited (Diamond) Options: US$0.29 (Platinum) to US$0 (Diamond)
Exclusive Tools	Private Wealth services access Accredited investor offerings Exclusive investment opportunities
Other Perks	Lowest fees available Unlimited free US trades (Diamond) Dedicated relationship manager

Available Tools

Trading Tools

▼

Paper Trading	×
Margin Trading	×
Zero Commission	✓
Fractional Shares	✓
After Hours Trading	×

Automation

▼

Dca	✓
Algo Trading	×
Grid Trading	×
Trading Bots	×
Robo Advisory	✓
Sentiment Analysis	×
Social Copy Trading	×
Ai Trading Assistant	×

Advanced Tools

▼

Api Access	×
Basket Trading	×
Options Strategies	✓
Smart Order Routing	×
Backtesting Capabilities	×

Portfolio Tools

▼

Tax Harvesting	×
Islamic Account	×
Auto Rebalancing	✓
Dividend Tracker	✓
Economic Calendar	×

Detailed Information

Commission Tiers	Blue (no min): 0.65% managed, 0.15% Cash+ Flexi SGD, 2 US free trades Black (S$50k+): 0.55% managed, 0.10% Cash+ Flexi SGD, 4 free trades Gold (S$250k+): 0.45% managed, 0.10% Cash+ Flexi SGD, 8 free trades Platinum (S$1M+): 0.35% managed, 0.10% Cash+ Flexi SGD, 10 free trades Diamond (S$5M+): 0.25% managed, 0.05% Cash+ Flexi SGD, unlimited free trades
Trading Fees	US stocks/ETFs: Unlimited free first 3 months, then tier-based free monthly After free allowance: S$0.99 (Diamond/Platinum) to S$1.49 (Blue/Black) per trade Singapore: 0.040-0.060% of trade value (min S$1.98) by tier Hong Kong: 0.040-0.060% of trade value (min HK$15) by tier Scheduled UCITS ETFs: $0 per trade all tiers US options: US$0 (Diamond) to US$0.59 (Blue) per contract, min US$0.99 per order
Stock Etf Commission	US: S$0.99 to S$1.49 after free allowance by tier SG: 0.040-0.060% (min S$1.98) by tier HK: 0.040-0.060% (min HK$15) by tier
Options Commission	US options: US$0.29 to US$0.59 per contract by tier Diamond tier: US$0 per contract Min US$0.99 per order for non-Diamond No platform fee Subject to regulatory fees
Non Trading Fees	No account maintenance fees No platform fees No custody fees No inactivity fees No deposit fees No withdrawal fees Subject to prevailing GST
Deposit Fee	0
Withdrawal Fee	0
Currency Conversion Fee	0.09-0.12% charged by broker on amount converted Applied on SGD transfers for US securities
Data Feed Fees	Real-time market data included No separate data fees
Order Modification Fee	0
Vip Fee Tiers	Tier based on higher of net worth or invested amount Automatic upgrades when thresholds reached Benefits include lower fees and more free trades Gold+ tiers get dedicated wealth experts

Minimum Spreads	Market spreads apply for brokerage trades
Maximum Leverage	No margin trading offered for retail
Settlement Period	T+2 for brokerage trades Same-day processing for managed portfolio orders
Order Execution Quality	Best execution via broker partners Real-time order processing for brokerage Fractional share execution supported Orders processed during market hours

Crypto Count	0
Forex Pairs Count	0
Product Universe Overview	US stocks and ETFs (NYSE, NASDAQ) Singapore stocks, ETFs, REITs (SGX) Hong Kong stocks and ETFs (HKEX) UCITS ETFs domiciled in Ireland US options trading 20+ managed portfolio options Cash management solutions (Guaranteed and Flexi)
Geographic Market Coverage	United States (full exchange coverage) Singapore (full SGX access) Hong Kong (major listings) Europe (via UCITS ETFs) Global exposure via managed portfolios
Major Markets Details	US: Access to NYSE and NASDAQ Singapore: Complete SGX coverage including REITs Hong Kong: HKEX-listed securities Managed portfolios provide global diversification
Emerging Markets Details	Exposure via managed portfolios Emerging market ETFs available Focus on developed markets for direct trading
Base Currencies Supported	SGD, USD, HKD

Trading Platforms Overview	Mobile-first platform architecture iOS and Android native apps Web platform accessible from browsers Integrated experience across all products Real-time synchronisation
Desktop Platform	Web-based platform accessible via browser Full portfolio management Trading and investment capabilities Portfolio analytics and reporting No download required
Mobile App	Native iOS and Android apps Full feature parity with web Biometric authentication Push notifications Real-time portfolio tracking SingPass integration for fast onboarding
Web Platform	Browser-based access Responsive design Complete product suite access Portfolio monitoring tools Secure HTTPS connection
Trading Tools And Features	Custom portfolio builder for up to 8 ETFs Fractional share trading Recurring investment automation Automatic dividend reinvestment Goal-based investing tools Portfolio rebalancing US options trading
Charting And Technical Analysis	Basic charting tools Historical performance tracking Portfolio analytics Asset allocation visualisation Limited technical indicators
Risk Management Tools	Portfolio diversification analysis Risk profiling questionnaire Goal-based allocation Regular rebalancing Managed portfolio risk levels
Order Types Available	Market orders Limit orders Fractional orders Recurring orders Options orders
Integrations And Api Access	No API currently available SingPass integration for onboarding Bank account linkage
Third Party Platforms	SingPass for onboarding
Api Rate Limits	Not applicable
Algo Trading Support	Not supported

Customer Support Overview	Email support available In-app messaging Detailed help centre FAQ section Gold+ tier: dedicated wealth experts
Phone Support Hours	No phone support for standard tiers
Live Chat Availability	In-app messaging available
Email Response Time	Within 24-48 hours typically Email: [email protected]
Languages Supported	English, Chinese
Local Office Presence	Singapore headquarters Hong Kong office Australia office
Account Manager	Gold, Platinum, and Diamond tier clients get dedicated wealth experts
Educational Resources Overview	Syfe Magazine with articles Investment guides available Portfolio strategy explanations Market analysis content Product tutorials
Beginner Resources	Getting started guides Investment basics content Risk profiling tools
Webinars And Tutorials	Webinars for Private Wealth Video tutorials available Product walkthroughs
Market Analysis And Research	Syfe Magazine articles Portfolio performance reviews Market commentary Economic insights
Demo Account Details	No demo account available Can explore app before funding
Trading Courses	Educational content available No formal courses offered
Tax Reporting Help	Monthly statements provided Annual tax statements Basic reporting support

Regulation Overview	Licensed by Monetary Authority of Singapore Capital Markets Services License CMS100837 Full regulatory compliance Regular audits conducted
Primary Regulator	Monetary Authority of Singapore (MAS)
License Number	CMS100837
Investor Protection Scheme	Client funds segregated from company assets Held at major Singapore banks Regular reconciliation Trust account structure
Security Features	Two-factor authentication Biometric login supported SSL/TLS encryption Secure data centres Regular security audits SingPass integration

Commission Tiers

Blue (no min): 0.65% managed, 0.15% Cash+ Flexi SGD, 2 US free trades
Black (S$50k+): 0.55% managed, 0.10% Cash+ Flexi SGD, 4 free trades
Gold (S$250k+): 0.45% managed, 0.10% Cash+ Flexi SGD, 8 free trades
Platinum (S$1M+): 0.35% managed, 0.10% Cash+ Flexi SGD, 10 free trades
Diamond (S$5M+): 0.25% managed, 0.05% Cash+ Flexi SGD, unlimited free trades

Trading Fees

US stocks/ETFs: Unlimited free first 3 months, then tier-based free monthly
After free allowance: S$0.99 (Diamond/Platinum) to S$1.49 (Blue/Black) per trade
Singapore: 0.040-0.060% of trade value (min S$1.98) by tier
Hong Kong: 0.040-0.060% of trade value (min HK$15) by tier
Scheduled UCITS ETFs: $0 per trade all tiers
US options: US$0 (Diamond) to US$0.59 (Blue) per contract, min US$0.99 per order

Stock Etf Commission

US: S$0.99 to S$1.49 after free allowance by tier
SG: 0.040-0.060% (min S$1.98) by tier
HK: 0.040-0.060% (min HK$15) by tier

Options Commission

US options: US$0.29 to US$0.59 per contract by tier
Diamond tier: US$0 per contract
Min US$0.99 per order for non-Diamond
No platform fee
Subject to regulatory fees

Non Trading Fees

No account maintenance fees
No platform fees
No custody fees
No inactivity fees
No deposit fees
No withdrawal fees
Subject to prevailing GST

Deposit Fee

Withdrawal Fee

Currency Conversion Fee

0.09-0.12% charged by broker on amount converted
Applied on SGD transfers for US securities

Data Feed Fees

Real-time market data included
No separate data fees

Order Modification Fee

Vip Fee Tiers

Tier based on higher of net worth or invested amount
Automatic upgrades when thresholds reached
Benefits include lower fees and more free trades
Gold+ tiers get dedicated wealth experts

Syfe

Overview

Pros

Cons

Key Highlights

Key Benefits

VIP Program

Available Tools

Detailed Information

Related Products

Pros

Cons