Is the Endowus Cash Smart SDIC-insured?

No. The Endowus Cash Smart is not SDIC-insured — it is not a bank deposit.

Endowus Cash Smart

Q: What is the interest rate on the Endowus Cash Smart?

The Endowus Cash Smart pays a base rate of 1.2% p.a., up to 1.2% p.a. with bonus tiers. Three advised portfolios of money market and short-duration bond unit trusts: Secure 1.2% p.a. net (50% Fullerton SGD Cash Fund, 50% LionGlobal SGD Enhanced Liquidity), Enhanced 2.1% p.a. net, Ultra 2.4% p.a. net; yields calculated as of 31 Jul 2026, not guaranteed. Daily accrual, no lock-ups. Unit trusts are not capital-guaranteed and are NOT SDIC-insured; assets held in client's own name at UOB Kay Hian. Verified 4 Sept 2026 against the official Endowus Cash Smart website.

Endowus Cash Smart · Singapore · Verified 4 Sept 2026

BASE RATE

1.2% p.a.

MAX RATE (ALL TIERS)

1.2% p.a.

BALANCE CAP

none (no limits or tiers)

■ BONUS TIER REQUIREMENTS

Salary credit NOT REQUIRED

Card spend NOT REQUIRED

Bill payments (GIRO) NOT REQUIRED

Insurance / investments via bank NOT REQUIRED

SDIC insured NO — NOT A BANK DEPOSIT

Minimum balance none (no minimum)

Monthly fee Endowus access fee 0.15% p.a. (plus fund-level fees after rebates 0.13%-0.27% p.a.)

HOW THE RATE WORKS

Three advised portfolios of money market and short-duration bond unit trusts: Secure 1.2% p.a. net (50% Fullerton SGD Cash Fund, 50% LionGlobal SGD Enhanced Liquidity), Enhanced 2.1% p.a. net, Ultra 2.4% p.a. net; yields calculated as of 31 Jul 2026, not guaranteed. Daily accrual, no lock-ups. Unit trusts are not capital-guaranteed and are NOT SDIC-insured; assets held in client's own name at UOB Kay Hian.

SOURCE

https://endowus.com/cash-smart

Official Endowus Cash Smart page (verified 2026-09-04): Secure 1.2%, Enhanced 2.1%, Ultra 2.4% net yields as of 31 Jul 2026, fee breakdown (0.15% Endowus fee), no minimums/lock-ups, historical max drawdowns. Endowus CMS101051. Not on SDIC DI Scheme member list; unit-trust wrapper, not deposit-insured.

Verified 4 Sept 2026. Rates change — always confirm on the official site.