Updated as of 20 January 2026

---

Table of Contents

1. Applying Promo Codes
2. Frequently Asked Questions
3. Terms & Conditions

---

Applying Promo Codes

1. Download the Syfe app: [ios link] | [android link] (if you have not)
2. Register for an account and successfully complete the onboarding steps
3. On the Homepage, tap the menu icon in the bottom-right corner
4. Select “Redeem Promo” and enter either the campaign promo code STACK3ALL, STACK3 or an eligible affiliate promo code you received.
5. Tap “Apply” to confirm

---

Frequently Asked Questions

---

Terms & Conditions

The Syfe Stackable Yield Promotion (“Promotion”) is organised by Syfe Pte. Ltd. (“Syfe”). By participating in this Promotion, you agree to be bound by these Terms and Conditions, the terms of your customer agreement with Syfe, and Syfe’s decisions regarding all matters relating to the Promotion, which shall be final and binding.

1. Promotion Period
The Promotion begins on 16 January 2026 at 6:00 p.m. SGT and ends on 31 January 2026 at 11:59 p.m. SGT, or when all promotional rewards (as determined by Syfe) have been fully distributed, whichever occurs first.

2. Eligibility

To qualify for the Promotion, clients must:

• Be either:
  • a new-to-Syfe client, defined as an individual who has not previously registered or funded any Syfe account prior to the Promotion Period; or
  • an existing Syfe client, defined as an individual who has an existing Syfe account prior to the Promotion Period;
• Successfully completed Syfe’s account-sign-up and onboarding steps (where applicable);
• Not have any active promo code applied to their account at the time of application of this Promotion;
• Apply the promotion code “STACK3ALL”, “STACK3” or an affiliate code that is explicitly associated with this campaign after completing the onboarding steps and before making any qualifying deposits during the Promotion Period, and ensure that the code reflect as “applied” in the client’s account; and
• Be a legal resident of Singapore of at least 18 years old at the time of participation.

For the purposes of these Terms and Conditions, an “active promo code” refers to any promo code that is currently active and/or one where the client is still receiving, accruing, or benefiting from any rewards, bonus interest, rebates, or promotional benefits, whether such benefits have been fully credited or are pending.

3. Definition of Onboarding Steps

For the purpose of this Promotion, “onboarding steps” refers to the point at which a client has:

1. Successfully completed Syfe’s Know-Your-Customer (KYC) verification requirements; and
2. Where applicable for Syfe Brokerage access, successfully completed the Customer Account Review (CAR) and Customer Knowledge Assessment (CKA).

An account shall be deemed successfully signed up only upon fulfilment of the above requirements, as determined by Syfe.

4. Qualifying Action & Rewards

4.1 Interest Boost on Cash+ Flexi (SGD) Cash Portfolio

• Eligible clients may earn a bonus interest on their Cash+ Flexi (SGD) cash portfolio based on the qualifying net accumulated deposit tier achieved under this Promotion, and may earn additional bonus interest by completing the applicable qualifying trade or auto-invest action.
• For existing clients, bonus interest on Cash+ Flexi (SGD) is applicable only on the net balance of fresh funds deposited into Cash+ Flexi (SGD) during the promotion period and maintained throughout the applicable holding period, subject to the maximum cap of SGD 25,000.
• The bonus interest is applied on top of the projected base rate of 1.7% p.a. on Cash+ Flexi (SGD). The base rate is not guaranteed.
• All bonus interest earned under this Promotion is conditional upon the client satisfying the holding period requirements set out in Clause 5.

4.2 Qualifying Actions

To unlock bonus interest under this Promotion, eligible clients must complete the following steps:

1. Deposit fresh funds in Cash+ Flexi (SGD) cash portfolio;
2. Make a net accumulated deposit of fresh funds into Syfe Managed Portfolios and/or Syfe Brokerage during the Promotion Period to qualify for a base bonus interest tier.
3. Optionally, earn additional bonus interest by completing either the qualifying trade or monthly auto-invest action set out below.

For the avoidance of doubt:

• Fresh Funds refer strictly to new deposits made into a client’s Syfe account during the Promotion Period.
• Funds that are withdrawn and subsequently redeposited, during or after the Promotion Period, do not constitute Fresh Funds, regardless of when such funds were originally deposited.
• Transfers between Syfe portfolios, accounts, or products do not constitute Fresh Funds.
• Internal fund movements, including switching, rebalancing, or reallocations within Syfe, do not qualify as Fresh Funds.

The applicable bonus interest will be determined based on the qualifying criteria satisfied as at 31 January 2026, 11:59 p.m. SGT.

Table 1: Managed Portfolio / Brokerage Deposit – Qualifying Action

Qualifying Action	Bonus Interest (p.a.)
Deposit a net amount of SGD 5,000 to SGD 9,999 into Syfe Managed Portfolios and/or Syfe Brokerage	+0.5%
Deposit a net amount of SGD 10,000 to SGD 24,999 into Syfe Managed Portfolios and/or Syfe Brokerage	+0.7%
Deposit a net amount of SGD 25,000 to SGD 49,999 into Syfe Managed Portfolios and/or Syfe Brokerage	+0.9%
Deposit a net amount of SGD 50,000 and above into Syfe Managed Portfolios and/or Syfe Brokerage	+1.1%

Table 2: Trade / Auto-Invest – Qualifying Action 

Qualifying Action	Bonus Interest (p.a.)
Complete five (5) buy trades on Syfe Brokerage, each with a minimum trade value of SGD 200 OR Set up a monthly minimum auto-invest of SGD 500 or more on either Syfe Managed Portfolios, Brokerage, or Cash Management and have that auto-invest successfully executed at least two (2) times	+0.2%

For avoidance of doubt:

• “Trades” refer to transactions executed under Brokerage only.
• “Investments” may refer to both Brokerage and Managed Portfolios, where applicable.
• “Net Accumulated Deposits” refer to the total amount of fresh funds deposited into Managed Portfolios and/or Brokerage during the Promotion Period, minus all withdrawals made during the Promotion Period.
• Withdrawals include any withdrawals made during the Promotion Period, including withdrawals of funds that were already in the client’s account prior to the Promotion Period.
• For existing clients, only Fresh Funds deposited during the Promotion Period will be considered for the purposes of qualifying for this Promotion. Any attempt to withdraw and redeposit funds, whether such funds were originally deposited before or during the Promotion Period, will not be recognised as Fresh Funds and will not count toward any qualifying action or bonus interest eligibility.
• Transfers between portfolios do not constitute fresh funds.

For auto-invest qualifying actions:

• The auto-invest arrangement may be set up either before or during the Promotion Period.
• Where an auto-invest arrangement is set up prior to the Promotion Period, it will be considered a qualifying action provided that the auto-invest remains active, uninterrupted, and continues to meet the minimum amount and setup criteria throughout both the Promotion Period and the applicable holding period.
• Where a client does not have an existing auto-invest arrangement, the client must set up a new qualifying auto-invest during the Promotion Period to be eligible.
• The auto-invest arrangement must not be cancelled, paused, deactivated, or materially modified in a manner that results in non-compliance with the Promotion’s requirements during the Promotion Period or holding period.
• All auto-invest qualifying actions must meet the minimum investment amount and setup criteria as specified under this Promotion.
• In addition, to be considered a qualifying action for the purposes of this Promotion, the auto-invest arrangement must be successfully executed at least two (2) times, once in February 2026 and once in March 2026. Failed or missed executions do not count toward this requirement.

Participation in this Promotion is limited to the first 2,000 qualifying instances, as determined by Syfe in its sole discretion, that meet all eligibility and qualifying criteria under these Terms and Conditions. 

A qualifying instance refers to an eligible client successfully completing any qualifying action under this Promotion. 

Once the limit of 2,000 qualifying instances has been reached, no further participation in the Promotion will be accepted, and any subsequent qualifying actions completed will not be eligible for promotional rewards.

5. Holding Period

The holding period refers to the continuous period from the end of the Promotion Period until 2 April 2026 for all qualifying actions, during which all qualifying net accumulated deposits into Syfe Managed Portfolios and/or Syfe Brokerage must be maintained.

During the holding period:

• Qualifying net accumulated deposits into Syfe Managed Portfolios and/or Syfe Brokerage must not be withdrawn, reversed, cancelled, transferred, or reduced below the qualifying tier that determined the client’s applicable bonus interest rate; and
• For existing clients, qualifying net accumulated deposits refer only to fresh funds deposited during the Promotion Period, as defined under these Terms and Conditions; and
• If, at any point during the holding period, the client’s qualifying net accumulated deposits fall below the qualifying tier, the client will immediately cease to earn any bonus interest from that date onward.
• In addition, where a client qualifies for the additional +0.2% p.a. bonus interest via the auto-invest qualifying action, the auto-invest must remain active and uninterrupted and be successfully executed in February 2026 and March 2026.
• If the auto-invest is paused, cancelled, or fails to execute in any applicable month, the client will forfeit the +0.2% p.a. bonus interest for the corresponding payout batch, and no further bonus interest will accrue from that point onward.

For the avoidance of doubt:

• A client whose qualifying accumulated net deposits fall below the qualifying tier will not be reclassified into a lower bonus tier and no bonus interest will accrue or be payable for any period following such reduction.

The following example is for illustrative purposes only and does not override these Terms and Conditions.

Scenario A: A client qualifies for a +0.9% p.a. bonus interest by maintaining SGD 25,000 in accumulated net deposits across Managed Portfolios and/or Brokerage as at 31 January 2026. The bonus interest period begins on 1 February 2026. On 15 March 2026, the client withdraws funds such that their qualifying accumulated net deposits fall below SGD 25,000. Outcome: The client will stop earning bonus interest from 15 March 2026 onward. The client will not be downgraded to the +0.7% p.a. tier or any lower tier. Any bonus interest earned prior to 15 March 2026 remains payable, subject to these Terms and Conditions.

Scenario B: A client qualifies for a +0.9% p.a. bonus interest by maintaining SGD 25,000 in accumulated net deposits across Managed Portfolios and/or Brokerage as at 31 January 2026. The client also qualifies for an additional +0.2% p.a. bonus interest by setting up a monthly auto-invest of SGD 500 by 31 January 2026. The bonus interest period begins on 1 February 2026. The client’s auto-invest is successfully executed in February 2026, but the client pauses the auto-invest in March 2026, resulting in no successful execution for that month. Outcome: The client will be eligible for the first 30-day payout of the additional +0.2% p.a. bonus interest following the successful execution in February 2026. From March 2026 onward, the client will forfeit the remaining +0.2% p.a. bonus interest, and no further bonus interest under the auto-invest qualifying action will accrue. The client will continue to earn the +0.9% p.a. bonus interest, provided all other Promotion conditions remain satisfied.

Any action or event that invalidates a qualifying action during the holding period or prior to bonus interest crediting may result in the partial or full forfeiture of the bonus interest.

Syfe reserves the right, at its sole discretion, to determine whether the holding period requirements have been satisfied.

6. Bonus Interest Crediting

Bonus interest, if earned, shall:

• Apply for a period of 60 days, commencing from 1 February 2026 at 12:00 a.m. SGT; and
• Be capped at the first SGD 25,000 held in the client’s Cash+ Flexi (SGD) cash-funded portfolio.
  
  Bonus interest is applied only to balances held in a Cash+ Flexi (SGD) portfolio. Accordingly, clients must ensure that they have a funded Cash+ Flexi (SGD) portfolio in order to receive any bonus interest under this Promotion.
  
  The bonus interest will be credited to the same Cash+ Flexi (SGD) portfolio initially created by the client in two batches, subject to verification and Syfe’s operational processing:
  
• First Batch: Estimated reimbursement date of 10 March 2026
• Second Batch: Estimated reimbursement date of 9 April 2026

For the purpose of this Promotion, an active Cash+ Flexi (SGD) portfolio refers to a Cash+ Flexi (SGD) portfolio with a balance of SGD 1 or more at the time of crediting. If the client does not have an active Cash+ Flexi (SGD) portfolio at the time of crediting, Syfe may create a Cash+ Flexi (SGD) portfolio solely for the purpose of crediting the bonus interest.

Syfe will not be liable for any delay or failure to credit the bonus interest where an account cannot be created or is inactive.

Bonus interest will not be credited if the client fails to satisfy any eligibility, qualifying action, or holding period requirements set out in these Terms and Conditions.

Principal amounts and returns are not guaranteed and are not capital-protected.

7. Promotion Stackability
This Promotion cannot be combined, stacked, or used concurrently with any other promotion, promo code, or offer, unless expressly stated otherwise by Syfe. For the avoidance of doubt, clients who have an active promo code (as defined in Clause 2) will not be eligible to apply or participate in this Promotion. Requests to amend, substitute, or retrospectively apply promotions will not be accepted.

8. Notifications
Clients must ensure they are subscribed to Syfe communications to receive notifications relating to the Promotion. Clients who have unsubscribed may not receive updates, including notifications about crediting of the bonus interest, or any changes or closure of the Promotion  While Syfe may attempt to contact clients via alternative methods, delivery of such notifications cannot be guaranteed.

9. Currency
All monetary values stated are in Singapore Dollars (SGD).

10. Collection of Information
By providing your information for this Promotion, clients understand and agree that Syfe will collect and use their personal information for the purpose of this Promotion, other marketing communications, as well as in accordance with Syfe’s Privacy Policy, available here. You may opt out of marketing communications at any time. Should you choose to opt out, you may not receive updates regarding your participation in this promotion (see clause 8 above). Any questions regarding Syfe’s Privacy Policy or treatment of your personal information should be directed to [email protected].

11. Release
By participating in the Promotion, the client agrees that Syfe shall not be liable for any loss or damage which may arise in connection with their participation in the Promotion. Without limiting the foregoing, client hereby:(a) forever releases and discharges Syfe and its parent companies, subsidiaries, affiliates, related and associated entities and employees, directors, officers, suppliers, agents, sponsors and administrators of each (collectively, the “Releasees”), from and against any and all claims, actions, costs, liabilities, judgments, damages, obligations, losses, penalties, and expenses of any kind or nature whatsoever (including legal fees) (collectively, the “Claims”) in any way arising directly or indirectly out of any loss or damage that Client may suffer as a result of, or in connection with the participation in the Promotion or any promotion-related activity, including the use of the Reward; and (b) indemnifies, defends and holds harmless the Releasees from and against any and all damages, loss and expenses, including legal fees, which may be suffered directly or indirectly by reason of the Client’s own negligence or willful misconduct during or in connection with the participation in the Promotion.

12. Reservation of Rights
Syfe reserves the right to amend, withdraw, or restrict the promotion at any time without notice. Syfe is the sole arbiter of these rules and any other issue arising under the promotion. If Syfe suspects fraudulent or abusive behaviour, gaming of the system, inappropriate, offensive, or derogatory language or information, or a violation of these terms, Syfe reserves the right to remove all promotions and take any other action it deems appropriate including, but not limited to, removing the Reward retail value from the client(s) account) or closing the client(s) account.

13. General
In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity, and other materials relating to or in connection with this promotion, these Terms and Conditions shall prevail.

Any dispute arising out of or in connection with the Promotion and/or these Terms and Conditions shall be referred to and finally resolved by the Courts of Singapore and both the client and Syfe hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Courts of Singapore. These Terms and Conditions shall be governed by Singapore law.

14. Disclaimers
This content is intended solely to provide general information only and should not be viewed as financial advice, and also not meant to market any specific investment or offer or recommend the purchase or sale of any specific investment product or security. Syfe makes no representations and gives no warranties about the accuracy or suitability of any information provided. All forms of investments carry risks, including the risk of losing all of the invested amount. You should carefully consider whether any investment views and products/ services are appropriate in view of your personal investment experience, objectives, financial resources, and relevant circumstances. You may wish to seek financial advice through a financial advisor or the Syfe platform and independent legal, accounting, regulatory, or tax advice, where appropriate and/or necessary.

This content is directed at and restricted (as applicable and as appropriate) to individuals resident in or entities having a place of business or operations in Singapore. Syfe makes no representation that the material and information contained herein are appropriate or available for use in other locations/ jurisdictions.

No warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on this information.

Syfe Pte Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore. Full disclaimers and terms & conditions are available at www.syfe.com.

This advertisement has not been reviewed by the Monetary Authority of Singapore.