Put Your Idle Cash to Work. Earn additional yield on your excess cash
Put Your Idle Cash to Work. Earn additional yield on your excess cash
High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins
High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins



Your Treasury, Reimagined
Your Treasury, Reimagined
Flexible Yield in Multiple Currencies
Flexible Yield in Multiple Currencies



Earn more with every dollar
Maximize yields on SGD and USD in one powerful account - your funds stay accessible while earning market-leading returns.
No lock-in periods
Earn up to 4.10% p.a.* on USD and 2.67% p.a.* on SGD. Your money grows daily, yet stays accessible.
Enterprise Security
Your funds are held with regulated custodians and protected by bank-grade security. Multi-currency deposits managed with institutional-grade risk controls.
Get Started in three simple steps
Get Started in three simple steps
Quick Account Setup
Sign up for Finmo and enable Invest. Everything's integrated in one platform for seamless fund management.
Watch Your Money Grow
Monitor daily returns and balances across all currencies in one simple dashboard
Cash out whenever you need
Need your funds? Simply withdraw with 1-2 business day settlement. Track your transfers in real-time.
Get Started
PRODUCTS
The Smart And Flexible Way To Earn More Than Your Cash
Endowus charges just one all-in fee, and does not charge sales fees or transactional fees, and rebates 100% of the trailer fees we receive back to you
Endowus Cash Smart Secure (SGD)
Secure combines a cash fund that invests in instituional fixed deposits with one of Singapore’s best performing money market funds.
Projected Returns
2.0% - 2.2% p.a.
Endowus Cash Smart Ultra (SGD)
Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.
Projected Returns
2.9% to 3.1% p.a.
USD Money Market Funds
Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs.
Guaranteed Return
3.8% to 4.2% p.a.
The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus.
*Not guaranteed. Projected yields calculated as of 30 June 2025. Yields are net of Fund-level fee and Endowus Fee
Get Started in three simple steps
Generate excess yield on your idle cash across multiple dimensions
Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups
Assets safely held with UOB Kay Hian
Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.
Fully integrated with your Finmo account
By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd.
Get Started
*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform
Endowus proposed disclaimers
Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested.
Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly.
The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.
Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.
Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country.
PRODUCTS
The Smart And Flexible Way To Earn More Than Your Cash
Endowus charges just one all-in fee, and does not charge sales fees or transactional fees, and rebates 100% of the trailer fees we receive back to you
Endowus Cash Smart Secure (SGD)
Secure combines a cash fund that invests in instituional fixed deposits with one of Singapore’s best performing money market funds.
Projected Returns
2.0% - 2.2% p.a.
Endowus Cash Smart Ultra (SGD)
Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.
Projected Returns
2.9% to 3.1% p.a.
USD Money Market Funds
Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs.
Guaranteed Return
3.8% to 4.2% p.a.
The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus.
*Not guaranteed. Projected yields calculated as of 30 June 2025. Yields are net of Fund-level fee and Endowus Fee
Get Started in three simple steps
Generate excess yield on your idle cash across multiple dimensions
Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups
Assets safely held with UOB Kay Hian
Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.
Fully integrated with your Finmo account
By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd.
Get Started
*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform
Endowus proposed disclaimers
Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested.
Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly.
The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.
Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.
Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country.
PRODUCTS
The Smart And Flexible Way To Earn More Than Your Cash
Endowus charges just one all-in fee, and does not charge sales fees or transactional fees, and rebates 100% of the trailer fees we receive back to you
Endowus Cash Smart Secure (SGD)
Secure combines a cash fund that invests in instituional fixed deposits with one of Singapore’s best performing money market funds.
Projected Returns
2.0% - 2.2% p.a.
Endowus Cash Smart Ultra (SGD)
Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.
Projected Returns
2.9% to 3.1% p.a.
USD Money Market Funds
Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs.
Guaranteed Return
3.8% to 4.2% p.a.
The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus.
*Not guaranteed. Projected yields calculated as of 30 June 2025. Yields are net of Fund-level fee and Endowus Fee
Get Started in three simple steps
Generate excess yield on your idle cash across multiple dimensions
Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups
Assets safely held with UOB Kay Hian
Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.
Fully integrated with your Finmo account
By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd.
Get Started
*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform
Endowus proposed disclaimers
Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested.
Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly.
The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.
Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.
Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country.
FAQ
Frequently Asked Questions
FAQ
Frequently Asked Questions
FAQ
Frequently Asked Questions
What is Finmo Invest and how does it work?
How do I onboard and set up Finmo Invest?
What systems does Finmo integrate with for investment tracking?
What kind of investment options and returns can I expect?
How liquid are the investments offered on Finmo?
What is Finmo Invest and how does it work?
How do I onboard and set up Finmo Invest?
What systems does Finmo integrate with for investment tracking?
What kind of investment options and returns can I expect?
How liquid are the investments offered on Finmo?
What is Finmo Invest and how does it work?
How do I onboard and set up Finmo Invest?
What systems does Finmo integrate with for investment tracking?
What kind of investment options and returns can I expect?
How liquid are the investments offered on Finmo?
See Finmo For Yourself
Finmo is the next-generation Treasury Operating System (TOS) for global companies built on real-time payments (RTP) rails. Finmo lets you collect money, make payments, manage cash and liquidity, mitigate financial risks, and comply with financial regulations – all in one place.
Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. Please consider our Financial Services Guide and Product Disclosure Statement and if the information is right for you before acquiring the product or service.



Finmo is the next-generation Treasury Operating System (TOS) for global companies built on real-time payments (RTP) rails. Finmo lets you collect money, make payments, manage cash and liquidity, mitigate financial risks, and comply with financial regulations – all in one place.
Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. Please consider our Financial Services Guide and Product Disclosure Statement and if the information is right for you before acquiring the product or service.



Finmo is the next-generation Treasury Operating System (TOS) for global companies built on real-time payments (RTP) rails. Finmo lets you collect money, make payments, manage cash and liquidity, mitigate financial risks, and comply with financial regulations – all in one place.
Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. Please consider our Financial Services Guide and Product Disclosure Statement and if the information is right for you before acquiring the product or service.


