Looking to invest your money? Sign up with Syfe and avail their new and existing client promo. With Styfe 2026 Stackable Yield Promo, you can earn a bonus interest of up to 3.0% p.a. on Cash+ Flexi (SGD). This promo runs until 31 January 2026 and is limited to the first 2,000 qualifying users only. The sooner you sign up, the more extra interest you get. Read more to see how it works.
Promo Overview
This promo rewards you with a bonus interest on your Cash+Flexi savings on top of the base interest rate when you also invest or trade on Syfe.
Promo Code: STACK3AUD
Promotion Period: January 16-31, 2026 (11:59 PM SGT)
Eligibility:
- New and existing Syfe users
- Must be a legal resident of Singapore
- Must be aged 18 and above
- Must not have any active promo code applied to their account at the time of application of this Promotion
Make sure to enter the promo code: STACK3AUD
How to Qualify for the Promo
To avail the promo, a client must complete the following:
Fund a Cash+Flexi (SGD) cash portfolio with any amount (no minimum).
Make a net accumulated deposit of fresh funds into Syfe Managed Portfolios (Core, Income+, REIT+) and/or Syfe Brokerage during the promotion period to qualify for a base bonus interest tier.
*Note that transfers between portfolios do not constitute fresh funds.
Net Accumulated Deposit Amount into Managed Portfolio / BrokerageBase Bonus Yield into Cash+ FlexiS$5,000 – S$9,999+0.5% p.a.S$10,000 – S$24,999+0.7% p.a.S$25,000 – S$49,999+0.9% p.a.S$50,000 and above+1.1% p.a.Optional: During the promo period, earn +0.2% extra bonus interest by:
Completing 5 buy trades on Syfe Brokerage with a minimum of S$200 each trade
OR
Setting up a monthly auto-invest of S$500 on either Syfe Managed Portfolios, Brokerage, or Cash Management (i.e. Cash+ Flexi).
What is Syfe?
Syfe is a digital financial management platform that has rapidly expanded across the Asia-Pacific, with a strong presence in Singapore, Hong Kong, and Australia. It allows users to invest, trade, and save in both SGD and USD. Syfe is a Singaporean-based company that offers robo-advisory services, brokerage that allows trading stocks and ETFs, cash management with Cash+, and REIT+ that allows you to invest in globally diversified portfolios.
What is Cash+Flexi?
Cash+ Flexi is a digital investment portfolio that allows you to earn more on your savings with a projected rate of 1.7% p.a. (SGD) and 3.8% pa. (USD) on all amounts transferred, actual returns may vary and are not guaranteed. It works by investing idle cash into diversified money market like government bonds, corporate bonds, and institutional deposits. But it may not be suitable for funds that require absolute capital certainty.
For individuals looking to grow their spare cash or short-term savings beyond what banks offer, you can utilize Cash+ Flexi for financial growth and easy access. Earned returns from this account are accrued daily and automatically reinvested, allowing for faster growth. There is no minimum balance required for SGD accounts, no lock-in periods, and it offers quick, penalty-free withdrawals anytime. However, earnings are subject to market risks and short-term fluctuations.
What are Managed Portfolios, Brokerage and Cash Management?
yfe offers two main investment approaches: the Managed Portfolios and Brokerage. Managed Portfolios utilize robo-advisory where you choose a portfolio based on your risk appetite, and Syfe professionally curates the selection, rebalancing, and dividend investment through automated algorithm. Syfe Managed Portfolios include Core, Income+, and REIT+.
On the other hand, Brokerage is a platform where you can buy and sell individual stocks and ETFs personally, offering more control over your funds. At the moment, it is free to trade on Syfe and they offer level 1 and 2 strategies for users where you can buy call, sell covered call, buy put, and sell cash-secured put.
Cash management is a managed investment focused on low-risk, short-term money market or idle cash for liquidity and higher returns than savings accounts. It is a very conservative. Cash management portfolios on Syfe include the Cash+ Flexi and Cash+Guaranteed.
Is my money safe on Syfe?
Syfe is licensed and regulated by the Monetary Authority of Singapore (MAS) under a Capital Markets Services License, obligating it to follow strict rules to protect your money and operate transparently. For US stocks, additional Securities Investor Protection Corporation (SIPC) limited protection is applied against broker insolvency but not investment losses.
Cash deposited via Syfe goes into segregated client accounts at regulated banks like DBS and HSBC, separate from Syfe’s own operating funds. Investments such as stocks, ETFs, and funds are held in custodian accounts with regulated partners like Saxo Capital Markets. Additionally, your data is encrypted and stored securely in bank-grade systems like Amazon Web Services (AWS), and Syfe uses two-factor authentication to help keep your account secure.
Overall, with Syfe, your money and investments are kept separately and legally protected through industry-standard safety measures. Because your money and assets are not commingled with Syfe’s company assets and are held in segregated trust accounts at regulated banks, creditors cannot take your money even if Syfe were to face financial trouble. In the unlikely event Syfe stops operating, your money and assets are either transferred to another licensed provider or returned to you by the MAS and custodian partners.
However, unlike regular banks, there is no deposit insurance and your investments can still lose value due to market movements. For complaints, Syfe is also registered with the Financial Industry Disputes Resolution Centre (FIDReC) for independent and impartial handling of disputes.
Holding period
Start: 1 February 2026
End: 2 April 2026
❌ Dont’s:
- reduce your qualifying deposits
- withdraw, reverse, transfer out, or cancel deposited money
- pause, cancel, or interrupt auto-invest.
✅ Do’s:
- keep qualifying deposits inside the account until end of holding period
- keep auto-invest active and have it successfully executed at least twice, once in February 2026 and in March 2026.
- maintain the holding period rules
If by any circumstance you are unable to maintain the qualifying deposits or auto invest criteria, you will stop earning the bonus interest from that date onward. Any bonus interest earned prior to withdrawal will be payable after the promo period.
How Much Can You Actually Earn? (With Simple Math)
Let’s be honest, interest rates and promos sound good. But what does this mean for your money?
First, you must understand the following:
- Cash+Flexi base rate: 1.7% p.a.
- Extra bonus from promo: +0.5% p.a. – +1.1% p.a.
- Maximum total interest: +3.0% p.a. (applicable for 60 days only)
Knowing when, where, and how much you invest drastically changes the results you get after a year. Which of these two people sounds like you? Check out the two real-life examples we’ve provided below to explain it as simply as possible, no finance experience required.
Example 1: The Conservative Beginner
“I just want to start, no stress”
Who this is for:
- First time investing
- Wants better returns than a bank
- Doesn’t want to commit too much
- have maxed out bank account interest
What to do by 31 January 2026 (Step by Step):
- Put S$25,000 (bonus cap) in Cash+Flexi (SGD).
- Deposit S$5,000 into a Syfe Managed Portfolio or Brokerage.
- Set up a monthly S$500 auto-invest into your Cash+ Flexi account – one in 1st February and one in 1st March.
YOUR INTEREST BREAKDOWN
Where it comes from | Interest | Estimated Interest earned on Cash+ Flexi from 1 Feb till 2 April 2026 |
Base Cash+ Flexi | 1.7% p.a. | S$70.83 |
Syfe Managed Portfolio Deposit or Brokerage | +0.5% p.a. (base bonus yield for S$5000 into Cash+ Flexi account) | S$20.83 |
Cash+ Flexi Auto-invest | +0.2% (extra bonus yield for stackable action into Cash+ Flexi account) | S$8.33 |
Total Interest on first S$25K of Cash+ Flexi | 2.4% p.a. (earnings until end of the holding period) | S$100 |
Example 2. The Maximiser
“I want the full bonus.”
Who this is for:
- Comfortable with investing
- Has extra cash
- Wants maximum yield
What to do by 31 January 2026 (Step by Step):
- Put S$25,000 in Cash+Flexi (SGD).
- Deposit S$50,000 into a Syfe Managed Portfolio or Brokerage
- Make 5 buy trades on Syfe brokerage of min. S$200 each.
YOUR INTEREST BREAKDOWN
Where it comes from | Interest | Estimated Interest earned on Cash+ Flexi from 1 Feb till 2 April 2026 |
Base Cash+ Flexi | 1.7% p.a. | S$70.83 |
Syfe Managed Portfolio Deposit or Brokerage | +1.1% p.a. (base bonus yield for S$50,000 into Cash+ Flexi account) | S$45.83 |
Syfe Brokerage (5 Trades) | +0.2% (extra bonus yield for stackable action into Cash+ Flexi account) | S$8.33 |
Total Interest on first S$25K of Cash+ Flexi | 3.0% p.a. (earnings until end of the holding period) | S$124.99 |
Essentially, there is no “wrong” option for those willing to accept some investment risk. The conservative beginner approach is suitable for individuals new to investing as you only need S$5000 to unlock S$20 of bonus interest. The maximiser approach may look more attractive to individuals willing to invest more, up to S$50,000, for an additional S$25 bonus interest. This promotion is especially beneficial for beginner investors new to Syfe with S$30,000 idle cash looking to invest for 2 months, because they earn rewards just for trying it out.
For your information, the Daily Bonus is calculated as Amount held × (3.0% p.a. − Cash+ Flexi SGD’s actual yield on the day, as stated in Syfe’s T&Cs. This means Syfe will top up your returns so that your total yield matches the bonus rate you qualified for.
Key Things To Know (Before You Join)
Investing is a big step and requires a lot of time to think and research, especially when it’s your first time. So, here are a few things you must take note before signing up with Syfe.
- Bonus interest applies for 60 days only. You will earn the bonus interest starting 1 February 2026 until 2 April 2026, not the whole year.
- Bonus is capped. Only the first S$25,000 in your Cash+ Flexi (SGD) earns bonus interest.
- Cash+ Flexi must be funded. No money in Cash+ Flexi = no bonus, even if you completed all other steps.
- Bonus is credited in two batches to your Cash+ Flexi account.
- 1st Batch: 10 March 2026
- 2nd Batch: 9 April 2026
- Keep your Cash+ Flexi account active with a maintaining balance of at least S$1 until the bonus is paid.
- This promotion cannot be combined with any other promotions.
How To Apply Promo Code:
Enter Code STACK3AUD as shown below
Conclusion:
Syfe’s limited offer of up to 3.0% p.a. on Cash+ Flexi SGD for new and existing users is a good opportunity for first-time investors to explore the world of trade and investments. If you are interested, make sure to read the full terms and conditions set by Syfe to see if this fits you well. And before joining the promo, ask yourself. “Can I leave this investment untouched until April 2026?” “Am I okay keeping auto-invest running?” If yes, then this promo might just work well for you.
Disclaimers
As stated on Syfe’s Terms and Conditions, please be advised of the following:
- Returns are not guaranteed and are not capital-protected. This means the rates shown are targets or projections, not promises. The interests you expect to earn may change and could be less than advertised.
- Syfe cannot legally promise a fixed return or that you will never lose money since you are investing your money in a low-risk, but not risk-free platform.
- 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.
- Bonus interest is conditional and may be forfeited if requirements are not met. That’s why it is important to evaluate if you are able to meet the requirements and comfortable with the holding period.
- Past returns do not guarantee future performance.
- Investing in Syfe is not a bank deposit, this is not a savings account, and should not be treated as one.
Not financial advice. Any opinion relating to the Syfe platform is my own. All information obtained from third-party sources are obtained from sources believed to be reliable at the time of writing. Rates of returns are accurate at the time of writing. This is not a sponsored post by Syfe Pte. Ltd. This article has not been reviewed by the Monetary Authority of Singapore.
