Best Investment Apps in Singapore 2026: Complete Comparison Guide
Last updated: July 2026 | SeaMoneyTips
Finding the best investment app in Singapore can be overwhelming with so many options available. From commission-free stock trading on Tiger Brokers and Moomoo to automated robo-advisors like StashAway and Syfe, each platform serves a different type of investor. This comprehensive comparison covers all major investment apps in Singapore, their fees, features, and which one suits your investing style best.
Quick Comparison: Best Investment Apps Singapore 2026
| App | Best For | Min. Deposit | Fees | Markets |
|---|---|---|---|---|
| Tiger Brokers | Active traders | None | From $1.99/trade | SG, US, HK, AU, JP |
| Moomoo | Beginners | None | $0 commission (promo) | SG, US, HK |
| Webull | US stock traders | None | $0 commission (US) | US, SG, HK |
| Interactive Brokers | Experienced investors | None | From $0.005/share | 33+ markets |
| Saxo | Premium investors | None | From $5/trade | 36+ markets |
| StashAway | Passive investors | $100 | 0.2%-0.8% p.a. | Global ETFs |
| Syfe | Goal-based investing | $100 | 0.4%-0.65% p.a. | Global ETFs, REITs |
| Endowus | Fund investors | $1,000 | 0.4%-0.6% p.a. | Global funds |
| AutoWealth | HNW investors | $2,000 | 0.5% p.a. | Global ETFs |
| FSMOne | Fund selection | $100 | 0.3%-1.0% p.a. | Global funds, bonds |
Stock Trading Apps (DIY Investing)
These apps let you pick and trade individual stocks, ETFs, and other securities directly. They are best for investors who want control over their portfolio.
Tiger Brokers Singapore
Tiger Brokers is one of the most popular stock trading apps in Singapore, offering access to five markets: Singapore (SGX), US (NYSE, NASDAQ), Hong Kong (HKEX), Australian (ASX), and Japanese (TSE) exchanges.
- Fees: From $1.99 per trade for SGX, from $1.99 per trade for US (commission + platform fee). Minimum monthly fee waived if you trade at least once per month
- Minimum deposit: None
- Fractional shares: Yes (US stocks, minimum 0.001 share)
- Features: Real-time quotes, options trading, IPO subscription, margin trading, currency exchange
- App quality: Clean interface, good charting tools, beginner-friendly mode available
Moomoo (Futu Singapore)
Moomoo, operated by Futu Holdings, offers commission-free trading for new users and a generous sign-up bonus. It is particularly strong for beginners due to its educational content and paper trading feature.
- Fees: $0 commission for first 180 days (promotional), then from $0.99 per trade for SGX. US stocks: $0 commission (promo), then $0.0049/share
- Minimum deposit: None
- Fractional shares: Yes (US stocks, minimum $1)
- Features: Paper trading, IPO subscription, Level 2 market data, community forum, educational courses
- App quality: Intuitive design, excellent for learning, strong research tools
Webull Singapore
Webull is a US-based broker that expanded to Singapore, offering commission-free US stock trading. It is ideal for investors primarily interested in US markets.
- Fees: $0 commission for US stocks. SGX trading available with competitive rates
- Minimum deposit: None
- Fractional shares: Yes (US stocks, minimum $1)
- Features: Extended hours trading, options, IPO, paper trading, advanced charting
- App quality: Feature-rich, may feel complex for absolute beginners
Interactive Brokers (IBKR)
Interactive Brokers is the go-to platform for experienced investors who want access to the widest range of markets and instruments. It supports over 33 markets worldwide.
- Fees: From $0.005 per share (US), minimum $1 per order. IBKR Lite offers $0 commission for US stocks
- Minimum deposit: None (but $2,000 recommended for margin)
- Fractional shares: Yes (US and European stocks)
- Features: 33+ markets, options, futures, forex, bonds, mutual funds, powerful API, portfolio margin
- App quality: Professional-grade, steep learning curve, desktop and mobile
Robo-Advisor Apps (Automated Investing)
Robo-advisors automatically manage your portfolio based on your risk profile and goals. They are ideal for passive investors who prefer a hands-off approach.
StashAway
StashAway uses its proprietary Economic Regime-based Asset Allocation (ERAA) framework to dynamically adjust your portfolio based on economic conditions. It is one of the most established robo-advisors in Singapore.
- Fees: 0.2% per annum for portfolios up to $25,000 (first year free), scaling to 0.8% for portfolios over $100,000
- Minimum investment: $100
- Risk levels: 6.5% to 36% (Erato to Venus)
- Features: Goals-based investing, automatic rebalancing, ES Simple (emergency savings), StashAway Income+
- Tax optimization: No specific tax-loss harvesting for Singapore investors
Syfe
Syfe offers several portfolio strategies including Equity100 (100% equities), Income+ (dividend-focused), and Syfe Shield (risk-managed). It is known for its transparent fee structure and strong performance.
- Fees: 0.4% to 0.65% per annum depending on portfolio type
- Minimum investment: $100
- Portfolio types: Equity100, Income+, Custom, Syfe Shield
- Features: Auto-invest, dividend reinvestment, portfolio analytics, ESG options
- Unique selling point: Income+ portfolio offers 4-6% target yield with monthly dividends
Endowus
Endowus is the first MAS-licensed robo-advisor in Singapore, offering access to institutional-grade funds from managers like Dimensional, PIMCO, and Schroder. It focuses on evidence-based investing.
- Fees: 0.4% per annum on first $100,000, 0.3% thereafter (cash); 0.4% for SRS/Cash (fund fees separate)
- Minimum investment: $1,000
- Funds available: Dimensional, PIMCO, Schroder, Liquidity funds
- Features: SRS investing, CPF investing, fund selection, financial planning
- Unique selling point: Access to institutional funds not available to retail investors
AutoWealth
AutoWealth targets higher-net-worth investors with a minimum investment of $2,000. It uses a passive investment strategy based on Modern Portfolio Theory.
- Fees: 0.5% per annum
- Minimum investment: $2,000
- Strategy: Passive, globally diversified ETFs
- Features: Dedicated financial advisor, tax-efficient investing, automatic rebalancing
Fund Platforms
These platforms offer access to a wide range of managed funds, unit trusts, and bonds.
FSMOne (FundSupermart)
FSMOne is one of the largest fund platforms in Singapore, offering over 400 funds from major asset managers. It is suitable for investors who want a wide selection of funds.
- Fees: Sales charge up to 1.5% (varies by fund), no platform fee for regular savings plan
- Minimum investment: $100 for Regular Savings Plan
- Funds available: 400+ funds from 30+ managers
- Features: Regular Savings Plan, bond trading, money market funds, CPF/SA/SRS investing
How to Choose the Right App
The best investment app depends on your experience level, investment goals, and how much control you want:
For Complete Beginners
If you are just starting out and want a simple, guided experience, choose a robo-advisor like StashAway or Syfe. These platforms handle all the investment decisions for you. You just need to answer a risk questionnaire and set up a monthly contribution. The minimum investment is typically $100.
For Hands-On Investors
If you want to pick your own stocks and ETFs, choose a brokerage like Tiger Brokers, Moomoo, or Webull. These give you direct market access with low commissions. Moomoo and Webull are particularly attractive for beginners due to their promotional zero-commission offers.
For Experienced Investors
If you need access to multiple markets, advanced order types, and professional-grade tools, Interactive Brokers is the gold standard. It supports everything from US stocks to Japanese bonds to European options.
For Passive, Long-Term Investors
If your goal is to build wealth over 10-30 years with minimal effort, a robo-advisor or index fund platform is ideal. StashAway, Syfe, or Endowus can manage a diversified portfolio of global ETFs for a low annual fee.
Fees Comparison: What You Actually Pay
The true cost of investing includes more than just commission fees. Here is what to consider:
| Fee Type | DIY Brokerage | Robo-Advisor | Fund Platform |
|---|---|---|---|
| Trading commission | $0-$5 per trade | None | Sales charge 0-1.5% |
| Platform/management fee | None or low | 0.2%-0.8% p.a. | 0%-1.0% p.a. |
| ETF expense ratio | 0.03%-0.50% | Bundled in fee | N/A |
| Currency conversion | 0.5%-1.0% | Included | Included |
| Inactivity fee | Some charge $0-$10/mo | None | None |
For a $10,000 portfolio invested for 10 years, the difference between a 0.2% fee (StashAway basic) and a 1.0% fee (some fund platforms) is approximately $8,000 in lost returns. Always compare total costs, not just headline commission rates.
Security and Regulation
All investment platforms operating in Singapore must be licensed by the Monetary Authority of Singapore (MAS). Key safety features to look for:
- MAS license: Verify the platform holds a Capital Markets Services (CMS) license or is exempt under MAS regulations
- Client money segregation: Your funds should be held separately from the platform’s own money
- SIPC-equivalent protection: Some platforms offer protection up to a certain amount per account
- Two-factor authentication: Essential for protecting your trading account
Frequently Asked Questions
Related reading: Singapore Investment Scams Guide 2026: How to Spot and Protect Your Money
What is the best investment app for beginners in Singapore?
For complete beginners, StashAway or Syfe are excellent choices because they automate the entire investment process. You set your risk level and monthly contribution, and the platform handles everything. If you prefer to pick your own stocks, Moomoo offers the most beginner-friendly interface with zero commission promotions.
Can I use CPF or SRS to invest through these apps?
Some platforms support CPF and SRS investing. Endowus and FSMOne offer CPFIS-approved fund selection. For direct stock investing with CPF, you need to use the CPF Investment Scheme through a participating bank or broker. SRS can be invested through most robo-advisors and some brokerages.
Are investment apps in Singapore safe?
Yes, legitimate investment apps in Singapore are regulated by MAS and must comply with strict client money protection rules. Always verify the platform holds a valid MAS license. Your investments are also covered by the Capital Markets and Financial Institutions Mediation Scheme for disputes up to $100,000.
What is the minimum amount to start investing in Singapore?
You can start investing with as little as $1 through fractional shares on Tiger Brokers, Moomoo, or Webull. Robo-advisors like StashAway and Syfe have a minimum of $100. Fund platforms like FSMOne offer Regular Savings Plans from $100 per month. The best minimum depends on your preferred investment method.
Should I use a robo-advisor or a stock brokerage?
Choose a robo-advisor if you want a hands-off approach with automatic diversification and rebalancing. Choose a stock brokerage if you want to pick individual stocks and ETFs, have more control over your portfolio, and enjoy researching investments. Many investors use both: a robo-advisor for long-term retirement savings and a brokerage for tactical stock picks.
Key Takeaways
- Tiger Brokers and Moomoo are best for hands-on stock trading with low commissions
- StashAway and Syfe are best for passive, automated investing starting from $100
- Interactive Brokers offers the widest market access for experienced investors
- Always compare total costs including management fees, not just trading commissions
- All legitimate Singapore investment platforms are regulated by MAS
- Consider using both a robo-advisor for long-term savings and a brokerage for stock picks
- Start with as little as $1 using fractional shares on modern trading apps
Conclusion
The best investment app in Singapore depends on your investing style, experience level, and goals. For most beginners, a robo-advisor like StashAway or Syfe provides the simplest path to building wealth. For those who want more control, Tiger Brokers and Moomoo offer excellent platforms with low fees and access to global markets.
The most important step is to start investing, regardless of which platform you choose. Even $100 per month invested consistently can grow to a substantial portfolio over time. Compare the apps listed above, take advantage of promotional offers, and begin your investment journey today.
This article was written by the SeaMoneyTips Editorial Team, focused on personal finance education for Indonesia and Singapore readers. For inquiries, please contact us.
Related article: Singapore Robo-Advisors Comparison 2026: StashAway vs Syfe vs Endowus