Endowus review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Endowus runs a cash management account in Singapore for businesses, and the operating entity is Endowus Singapore Pte. Ltd., licensed by 101051. The monthly fee is SGD 0 and No transaction fees, unlimited transfers, and the variable rate runs at 1.3% to 2.5% on balances you can move at any time.
Key facts
- Best for
- A Singapore business parking idle cash with no monthly charge and open access.
- 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↗
- 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
Everyday accounts
- Transfer fee
- No transaction fees, unlimited transfers↗
- Audience
- Business
- Features
- Joint account
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- The monthly fee is SGD 0, so keeping the account open costs nothing.
- A variable rate of 1.3% to 2.5% on a cash management account, with daily accrual and no lock-ups.
- No transaction fees, unlimited transfers, and withdrawals are processed the same or next business day.
- Support runs on email, phone and help centre, with a phone line and email for questions.
Cons
- The rate is variable, so the 1.3% to 2.5% headline can move rather than hold for a term.
- The 1.3% to 2.5% range sits under the 3% site median for savings accounts.
- Only Cash and SRS can be invested, so money outside those wrappers needs a home elsewhere.
Who it suits
- Businesses in Singapore that want a cash management account with a SGD 0 monthly fee.
- Companies that move money often, since No transaction fees, unlimited transfers.
- People investing Cash or SRS money, and anyone who needs joint account.
Who should look elsewhere
- AXI Card Tarjeta y Credito, which lists 21.59% where this account pays 1.3% to 2.5%.
- Plazo ES, whose headline rate of 24.19% sits well above the 1.3% to 2.5% range here.
- PayPal Colombia readers who weigh a higher headline of 3.3% against No transaction fees, unlimited transfers here.
Deposit protection
Endowus lists 101051 with the Monetary Authority of Singapore and BQR225 with the Securities and Futures Commission of Hong Kong. Both are investment permissions, so the balance sits with a platform rather than a bank, and the account suits readers comfortable with that arrangement.
The company behind it
The operating entity is Endowus Singapore Pte. Ltd., headquartered in Singapore and founded in 2019. Support runs on email, phone and help centre, including a phone line and email. The Singapore and Hong Kong permissions behind the brand are 101051 and BQR225.
How Endowus compares
8.6 vs 8.6
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8.6 vs 8.0
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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 does it cost to hold cash with Endowus?+
The monthly fee is SGD 0, and No transaction fees, unlimited transfers. That keeps the everyday cost flat, so the part that moves is the rate on the balance rather than the account charge. Support runs on email, phone and help centre if you need help setting up.
Is the rate fixed or variable?+
It is variable and the headline range is 1.3% to 2.5%, so the rate can move with the market. Interest accrues daily and there are no lock-ups, which suits a business that needs open access to its cash while it earns something.
Is the balance covered by a deposit protection scheme?+
Endowus lists 101051 with the Monetary Authority of Singapore and BQR225 with the Securities and Futures Commission of Hong Kong. Both are investment permissions, so read the balance as platform money held under those permissions when you weigh it against a bank savings product.
How quickly can I withdraw money?+
Withdrawals are processed the same or next business day, and No transaction fees, unlimited transfers. There are no lock-ups either, so a timing need does not mean breaking a term. That makes the account workable for a business that moves cash in and out through the month.
What can I actually hold in the account?+
The investable side is limited to Cash and SRS, so money outside those wrappers stays elsewhere. A joint account is supported through joint account, and the account kind is cash management, so it is built for company cash rather than long term saving.
Who is the account aimed at?+
The stated audience is business, and the monthly fee is SGD 0 against No transaction fees, unlimited transfers. That pairing suits a company that keeps a working balance and wants open access, with 1.3% to 2.5% as the return on the float.
Where is the company based?+
The operating entity is Endowus Singapore Pte. Ltd., headquartered in Singapore and founded in 2019. It also lists BQR225 with the Securities and Futures Commission of Hong Kong, alongside its Singapore permission.
Sources
- endowus.com checked September 26, 2026
Backs: Features, Legal entity
“Open joint accounts”
- endowus.com/about-us checked September 26, 2026
Backs: Audience, Founded
“helping investors - individuals, family offices, endowments, and institutions - grow their wealth holistically”
- endowus.com/cash-smart checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Monthly fee, Rate type, Transfer fee
“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”
- eservices.mas.gov.sg/fid/institution/detail/218490-ENDOW-... checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.
Related by the facts
Endowus
A Singapore business parking idle cash with no monthly charge and open access.