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Singapore robo advisors, fees compared honestly

A robo’s headline fee isn’t its real cost. This comparison reads every MAS-regulated platform’s official fee schedule — the management fee by portfolio size, who actually takes CPF and SRS, who rebates trailer fees, and the fund cost that stacks on top — then shows what your balance really costs over a 10-year hold. Standard pricing only: promos and return “boosters” are excluded, and anything we can’t verify officially is marked, not guessed.

Last verified 20 Jul 2026 · 13 official sources · 9 platforms

Last verified20 Jul 2026

Data version9 platforms

Verified sources13 of 13

Fees were read on each provider's official pricing page on the date shown; robos reprice and cash-management yields move constantly. Equal treatment: all active MAS-regulated retail robos are listed; the ranking is purely the computed cost of your inputs.

What would a robo actually cost you?

Amount investedHold for (years)

Management fee only, at this balance held flat. Underlying fund cost (TER) is on top and a real portfolio grows, so the fee you pay grows with it — treat the cumulative figure as a floor, not a full lifetime cost.

AutoWealth0.55% p.a. at this balance · Independent

S$2,740 over 10yr (S$274/yr)

Endowusrebates trailers0.60% p.a. at this balance · Independent

S$3,000 over 10yr (S$300/yr)

Syfe0.65% p.a. at this balance · Independent

S$3,250 over 10yr (S$325/yr)

Kristal.AIrebates trailers0.70% p.a. at this balance · Independent

S$3,510 over 10yr (S$351/yr)

DBS digiPortfolio0.75% p.a. at this balance · Bank

S$3,750 over 10yr (S$375/yr)

StashAway0.75% p.a. at this balance · Independent

S$3,750 over 10yr (S$375/yr)

OCBC RoboInvest0.88% p.a. at this balance · Bank

S$4,400 over 10yr (S$440/yr)

Supported but fee not published on an official page (listed, not ranked): POEMS SMART Portfolio · UOBAM Invest.

Who takes CPF, SRS and cash

Provider	Cash	SRS	CPF (CPFIS)	From
StashAwayIndependent	✓	✓	—	No minimum (from S$0)
SyfeIndependent	✓	✓	—	S$0 for SGD portfolios
EndowusIndependent	✓	✓	✓	S$1,000 initial (splittable across Cash/CPF/SRS), S$100 subsequent
AutoWealthIndependent	✓	✓	✓	S$3,000 (Starter/CPF); S$1,000 (Flexi-Cash)
Kristal.AIIndependent	✓	—	—	No hard platform minimum (single ETF ~US$100)
DBS digiPortfolioBank	✓	—	—	SaveUp S$100; other portfolios S$1,000 / US$1,000; RSP from S$100/mo
OCBC RoboInvestBank	✓	—	—	From US$100 (varies by portfolio); no lock-in
POEMS SMART PortfolioBroker	✓	✓	—	SMART General Investing S$300 initial (S$100 subsequent)
UOBAM InvestBank	✓	—	—	Reported from S$1 (retail) — unverified

Only Endowus and AutoWealth take CPF. Bank robos (DBS, OCBC) and UOBAM are cash-only.

Every provider, verified

0.8% tapering to 0.2% by portfolio size (charged on each band). Flexible single-ETF portfolio: flat 0.3%.

0.65% (Blue) down to 0.25% (Diamond ≥S$5M) — the whole balance at your tier's rate. Cash+ Guaranteed: no management fee.

Cash: 0.60% tapering to 0.25% by size. CPF & SRS: flat 0.40%. Cash Smart / Short-Term: 0.15%.

0.5% + a flat US$18/yr platform fee (Cash/SRS). CPF product: flat 0.28% advisory.

Free up to US$10k on ETF portfolios, then 0.3%. Managed (SG resident): 0.54% + 0.162% safekeeping, GST-inclusive.

0.75% flat (SaveUp 0.25%). No AUM tiers.

0.88% flat of total value, charged monthly. No AUM tiers.

Management fee reportedly 0.5–0.8% p.a. — not verifiable on the official page; listed without a number until confirmed.

Retail fee tiers reported ~0.6–0.8% but the retail fee page could not be verified; listed without a number until confirmed. Cash+ Xtra: 3.3% projected net (as-at 10 Apr 2026, not SDIC-covered).

Closed or not serving SG retail (not compared): MoneyOwl (retail robo ceased Dec 2023; now a non-commercial financial-education service under Temasek Trust) · Smartly (shut down 2020) · Bambu (retail shut Dec 2023; now a B2B vendor).

Your true cost = the robo's management fee (shown here) + the weighted-average TER of the underlying funds (0.05–1%+, inside the fund NAV) − any trailer rebate. A low headline fee with high fund TER and no rebate can cost more than a higher headline fee with rebated trailers.

Reading a robo fee honestly

The fee is not the whole costYour true cost = the robo's management fee (shown here) + the weighted-average TER of the underlying funds (0.05–1%+, inside the fund NAV) − any trailer rebate. A low headline fee with high fund TER and no rebate can cost more than a higher headline fee with rebated trailers.

Fees compound against youA management fee is charged on your whole balance every year, so it compounds against your returns. Over decades, the gap between a 0.8% and a 0.25% fee compounds into a large difference in ending value — this is arithmetic, not a view on any provider.

CPF & SRS access is the real dividerOnly Endowus and AutoWealth take CPF; bank robos are cash-only. If you want to put CPF or SRS money to work, that narrows the field before fees even come into it — which is why the funding toggle is the first control above.

None of it is SDIC-insuredSDIC deposit insurance does NOT cover investment products. Robo portfolios — and their cash-management funds, including ones labelled “guaranteed” or “fixed” — are investments carrying fund and bank counterparty risk, unlike an SDIC-insured bank deposit.

Quick answers

What is the cheapest robo advisor in Singapore?It depends on your balance and funding source, not one ranking. Independent robos taper their management fee with portfolio size — StashAway from 0.8% down to 0.2%, Syfe from 0.65% to 0.25%, Endowus from 0.60% to 0.25% for cash. Bank robos are flat and higher: DBS digiPortfolio 0.75%, OCBC RoboInvest 0.88%. Endowus also rebates 100% of trailer fees, which lowers the net cost on unit-trust portfolios. Remember the underlying fund TER sits on top of every headline fee.

Which robo advisors let me invest my CPF?As at July 2026, only Endowus and AutoWealth accept CPF (CPFIS) investing among the major robos — Endowus was the first digital advisor approved by the CPF Board and covers both CPF-OA and CPF-SA at a flat 0.40% access fee. SRS is more widely supported (Endowus, StashAway, Syfe, AutoWealth, POEMS SMART). DBS digiPortfolio, OCBC RoboInvest and UOBAM Invest are cash-only.

What is a trailer fee rebate and why does it matter?When a robo buys unit trusts, the fund manager historically pays the distributor a 'trailer fee' out of the fund's expense ratio. Endowus rebates 100% of these trailer fees back to you as Cashback, and Kristal credits fund-manager rebates on its Global Funds Account — lowering your net cost. ETF-based robos have little or no trailer to rebate because ETFs don't pay one.

Is my money with a robo advisor protected by SDIC?No. SDIC deposit insurance does not cover investment products. Robo portfolios — and their cash-management funds, including ones labelled 'guaranteed' or 'fixed' — are investments carrying fund and bank counterparty risk, unlike an SDIC-insured bank deposit. Only SGD bank deposits are insured, up to S$100,000 per depositor per Scheme member.

Does a 0.8% robo fee really matter over time?Yes. A management fee is charged on your whole balance every year, so it compounds against your returns. Over decades the gap between a 0.8% and a 0.25% fee compounds into a large difference in ending value. Our calculator shows the cumulative management fee over your chosen holding period — and remember the underlying fund TER is on top of that.

Weighing a robo against DIY ETFs or an adviser?

The same source-backed treatment covers broker fees, savings and insurance — and our guides explain the trade-offs behind the numbers.

Compare broker fees →

Official sources

General information, not investment advice or a recommendation of any platform or product. Fees were read on providers’ official pages as at 2026-07-20; providers reprice, tiers and product terms change, and cash-management yields move constantly — confirm on the official page before investing. Underlying fund expense ratios, exchange and regulatory fees and taxes may apply in addition to the management fee. Robo portfolios are investment products and are not covered by SDIC deposit insurance. MoneyAtlas has no paid placement in this comparison.