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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” never touch the ranking — current verified sign-up offers are listed separately below — and anything we can’t verify officially is marked, not guessed.

By MoneyAtlas Research · Verified 20 Jul 2026 · How we verify & rank

Last verified 20 Jul 2026 · 16 official sources · 9 platforms

Last verified20 Jul 2026

Data version9 platforms

Verified sources16 of 16

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.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

What would a robo actually cost you?

Amount investedHold for (years)

Equity allocation

Ranked by all-in cost = management fee + estimated dividend-tax drag. The drag is the US withholding a Singapore investor bears inside the underlying funds, set by their domicile (30% US-listed / ~15% Irish / ~0% SG) on a ~1.8% equity yield at your chosen equity weight — an estimate, since robos change holdings. Fund TER is a further cost on top, and a real portfolio grows, so treat the cumulative figure as a floor.

Kristal.AIrebates trailers0.70% fee · tax drag not assessed · Independent

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

Endowusrebates trailers0.60% fee + 0.22% est. tax = 0.82% all-in · IndependentUnderlying WHT ~15% (Ireland/Lux UCITS institutional funds); ~0% on SG-asset funds

S$4,080 over 10yr (S$408/yr)

DBS digiPortfolio0.75% fee + 0.22% est. tax = 0.97% all-in · BankUnderlying WHT ~15% (Irish-domiciled ETFs — DBS states this on its own page)

S$4,830 over 10yr (S$483/yr)

Syfe0.65% fee + 0.32% est. tax = 0.97% all-in · IndependentUnderlying WHT mixed ~15–30% (S&P sleeve in Irish UCITS at 15%, satellite US-listed sleeves at 30%, S-REITs ~0%)

S$4,834 over 10yr (S$483/yr)

AutoWealth0.55% fee + 0.43% est. tax = 0.98% all-in · IndependentUnderlying WHT ~30% (US-listed equity ETF, historically) — not officially disclosed

S$4,900 over 10yr (S$490/yr)

StashAway0.75% fee + 0.43% est. tax = 1.18% all-in · IndependentUnderlying WHT ~30% (standard General Investing on US-listed ETFs); ~15% on the newer BlackRock UCITS variant

S$5,910 over 10yr (S$591/yr)

OCBC RoboInvest0.88% fee + 0.43% est. tax = 1.31% all-in · BankUnderlying WHT ~30% (US-listed ETFs)

S$6,560 over 10yr (S$656/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).

There's a cost the headline fee hides: dividend withholding tax on the underlying funds. If a robo builds portfolios from US-listed ETFs, a Singapore investor loses 30% of the equity dividends to US withholding (no US-Singapore treaty); a robo using Irish/UCITS or institutional funds loses only ~15%; Singapore-asset funds, ~0%. On a ~1.8% equity yield that's roughly 0.2–0.4% a year on the equity sleeve — often as much as the fee gap between providers. Endowus and DBS digiPortfolio use the more tax-efficient wrappers; StashAway, Syfe and the other bank robos lean more on US-listed ETFs (Syfe and StashAway are mixed). These are estimates: robos change holdings, and few publish a full domicile breakdown.

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) + the dividend-withholding drag from the funds' domicile − any trailer rebate. A low headline fee on US-listed ETFs with no rebate can cost more than a higher headline fee on rebated, tax-efficient funds.

Current sign-up promos — verified 2026-09-01

Promos are listed separately on purpose: they never affect the fee ranking or the computed costs above, which stay standard-pricing-only. Every offer here was verified on the provider's official page or T&C on the date shown; offers that reach their end date drop off this list automatically. Promo terms change fast and sign-up caps can fill early — always read the official T&C before funding.

StashAway — Simple Plus 6.2% p.a. YTM boost + S$61 ETF rebates · Ends 11 Sep 2026The current dated campaign (replacing the earlier evergreen Welcome Rewards): a boosted 6.2% p.a. yield-to-maturity on Simple Plus, plus S$61 in SGD ETF rebates for investing in SGX-listed ETFs. Sign up and invest by 11 Sep 2026 per the campaign T&C (campaign ran 5 Aug–11 Sep 2026). Yield-to-maturity is not a guaranteed return — it moves with the underlying funds. Official T&C →

Syfe — SYFEPROMO — 3-month fee waiver + up to S$100 · No stated end dateThree months of managed-portfolio management-fee waiver, plus up to S$100 in brokerage credit for new clients. Code SYFEPROMO, new clients only; fund a Managed portfolio and/or Brokerage account per the tiered T&C. Ongoing 'until further notice' (the July STARTSYFE campaign has ended). Official T&C →

DBS digiPortfolio — Zero fees on recurring top-ups (to 31 Dec 2026) · Ends 31 Dec 2026Full digiPortfolio management-fee rebate (0.75% p.a.) and/or sales-charge rebate on recurring top-ups into 17 CIO Insights Funds — effectively fee-free regular investing for the campaign period. Recurring top-ups only — one-off lump sums don't qualify. Rebates credited by 31 Jan 2027. Official T&C →

Endowus — S$20 fee credit (referral) · No stated end dateS$20 of fee credits each for you and your referrer when you sign up with a referral code. Minimum S$1,000 invested (cash, CPF or SRS). Evergreen — no end date. Official T&C →

OCBC RoboInvest — S$20 referral fee credits · No stated end dateS$20 in management-fee credits each for referrer and referee, unlimited referrals, credited monthly. Auto-applied through the referral flow. Evergreen — no end date. Official T&C →

Checked with no current public promo (2026-09-01): UOB SimpleInvest, AutoWealth (retail cash channel), MariInvest, GXS Invest. Channel-exclusive offers we could not verify on the provider’s own site are not listed.

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) + the dividend-withholding drag from the funds' domicile − any trailer rebate. A low headline fee on US-listed ETFs with no rebate can cost more than a higher headline fee on rebated, tax-efficient funds.

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?

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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.