REFERRAL PROGRAM

Earn up to S$100

when you invite your friends to try SMART Portfolio

Enjoy rewards together

You (Referrer)

S$10

Cash Credit

  • Create and share your referral link
  • Receive S$10 Cash Credit for each qualified unique Referee

Your Friends (Referee)

3 Months

of Free Investing

  • Opens a SMART Portfolio account with your referrer’s unique link
  • Fund at least S$1,000 to the Account within 14 days of Account opening (without withdrawing the funds during the 30-day period after funded)
  • Enjoy 3-month fee waiver

Maximise your return when investing with SMART Portfolio!

Start Inviting Your Friends & Family!

Send your personalized referral link to your friend!

Frequently Asked Question

All existing Phillip account holders can be referrers. As a referee, you must not have or have had any SMART Portfolio accounts within the last 12 months.
You can generate your referral link here. Once generated, simply copy and share the link with your friends.
Unfortunately, in such cases, it will not be considered as a successful referral.
The Cash Credit will be credited to the Referrer’s account used to generate the referral link once it has been verified that the Referee has not withdrawn the funds during the 30-day holding period from the account funding date. This process may take up to 45 days following the funding date.
The management fees will still be charged during the 3- month period. After the 3-month waiver period ends, the total management fees incurred during the waiver period will be credited back to your account within 14 business day.

Terms & Conditions

  1. The Referral Programme (“Programme”) is valid for existing Phillip account holders (“Referrer”) who refer Customer(s) to open a SMART Portfolio Account (“Referee”), from 5 March 2025 to 31 December 2025, both dates inclusive.
  2. A referral will only be considered successful when the Referee opens a SMART Portfolio Account using the unique referral link generated by the Referrer and fulfils all other applicable terms and conditions.
  3. If the Referee uses referral link(s) to open multiple Accounts, only the first successfully opened and funded Account will be considered as a successful referral.
  4. Rewards for Referrer
    1. The Referrer will receive S$10 Cash Credit for each unique Referee under the following conditions:
      1. The Referee successfully opens a SMART Portfolio Account and deposits at least S$1,000 into the Account within 14 calendar days from the Account opening date.
      2. The Referee does not withdraw this minimum amount for a period of at least 30 days from the date of funding.
    2. Only the first 10 successful referred Accounts per Referrer (Customer) will be considered as successful referrals.
    3. Cash Credit will be credited to the Referrer’s account used to generate the referral link once it has been verified that the Referee has not withdrawn the funds during the 30-day holding period from the date of funding. This process may take up to 45 days from the date of funding.
    4. Cash Credit is non-transferable.
  5. Rewards for Referee
    1. Referees will receive:
      1. A 3-month management fee waiver on funds invested in SMART Portfolio account, with funding amount capped at S$50,000. Any amount exceeding this cap will incur management fees.
      2. To qualify for the fee waiver:
        1. Open a SMART Portfolio account and deposit at least S$1,000 into the Account within 14 calendar days from the Account opening date
        2. No withdrawal of minimum amount for a period of at least 30 days from the date of funding
        3. Any withdrawals or internal transfers that cause the portfolio value to fall below the initial deposit amount during the 30-day period will result in the suspension of the fee waiver and a clawback of any granted waivers
        4. The fee waiver period will commence after the account is funded.
        5. The management fees will still be charged during the 3- month period. After the 3-month waiver period ends, the total management fees incurred during the waiver period will be credited back to your account within 14 business day.
  6. Referee consents to the disclosure of his or her name and referral status to the Referrer.
  7. The following Customers are NOT eligible for this Programme unless approved by the management of Phillip Securities Pte Ltd (“PSPL”)
    1. Referees who have SMART Portfolio account
    2. Referees who have closed a SMART Portfolio account with PSPL within the last 12 months.
    3. All employees of PhillipCapital’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
  8. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
  9. PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all participants.
  10. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Rewards.
  11. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
  12. This advertisement has not been reviewed by the Monetary Authority of Singapore.
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