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CFD Welcome Gift

Ready to explore more ways to trade? Activate your CFD account today and enjoy additional welcome gift perks designed to maximise your first 30 days!

Ready to explore more ways to trade? Activate your CFD account today and enjoy additional welcome gift perks designed to maximise your first 30 days!

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2

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3

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4

Execute at least 3 eligible CFD Trades within 60 days of Acct opening

OPEN CFD Account

1

2

3

4

Opt-in to CFD

Reward :
0 US Equity CFD Commission for 30 days 

Fund in at least S$3,000 within 14 days of CFD Acct opening 

Hold the funds for at least 30 days from Acct opening

Execute at least 3 eligible CFD Trades within 60 days of Acct opening

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• 2Q2026 OUTLOOK      

Strategy & Stock Picks

Investment Symposium 2026

Expert insights and strategic stock recommendations across 7 key markets including Singapore, China Hong Kong, United States, Malaysia, Thailand, Indonesia and Japan.

7

MARKETS

Bullish

OUTLOOK

• 2Q2026 OUTLOOK      

Strategy & Stock Picks

Investment Symposium 2026

Expert insights and strategic stock recommendations across 7 key markets including Singapore, China Hong Kong, United States, Malaysia, Thailand, Indonesia and Japan.

7

MARKETS

Bullish

OUTLOOK

Get Notified for Strategy & Stock Picks 3Q2026

    TRACK RECORD    

Past Strategy & Stock Picks

Review our previous quarterly sessions and their market performance

Q2 2026

+8.5%

Strategy & Stock Picks Q2 2026

11 Apr 2026

Key Highlights

• Divergent Growth Drivers : Markets saw a split between AI-driven tech landscapes in the US and recovery-led growth in Southeast Asia, particularly through tourism and infrastructure spending
• Strategic Yield & Accumulation : High-dividend stocks remained a core pillar for returns, while market pullbacks created strategic opportunities to accumulate equities ahead of new government policy supports
• “The “Safe-Haven” Pivot: Ongoing geopolitical tensions (such as the Iran conflict) reinforced the status of stable markets and currencies as essential hedges for institutional capital
• Framework-Driven Investing : Navigating headwinds required a move away from broad index tracking toward core investment logics (like the HALO framework) and fundamental earning power

Watch Watch

Q1 2026

+12.3%

Strategy & Stocks Picks Q1 2026

15 Jan 2026

• Tech sector recovery strategies
• Asian market opportunities
• Portfolio rebalancing tactics

Watch

Q4 2025

+12.3%

Strategy & Stocks Picks Q4 2025

12 Oct 2025

• Global economic outlook
• Defensive positioning
• Currency hedging strategies

Watch

Q3 2025

+5.7%

Strategy & Stock Picks Q3 2025

18 Jul 2025

• Semiconductor sector analysis
• Emerging market focus
• ESG investment trends

Watch View All Past Sessions

What’s Coming in Strategy & Stock Picks Q3 2026

Join us for the next edition of Strategy & Stock Picks as we navigate the opportunities and challenges of H2 2026. Get early access to insights, analysis, and actionable investment ideas.

Market Outlook

H2 2026 projections

Opportunities to Watch

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Deep-dive markets

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Top picks by sector

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Regional Focus

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Top picks by sector

Expert Panels

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REGIONAL COVERAGE

Stock Picks
Across 7 Markets

Stock Picks Across 7 Markets

In-depth market analysis and stock picks tailored to each region's unique dynamics

Popular Market

China,
Hong Kong

Louis Wong

Director
Phillip Securities HK

	11 APR, SAT
	12:45 PM - 2:30 PM SGT

View Session Synopsis

Singapore

Paul Chew

Head of Research,
Phillip Securities Research

	11 APR, SAT
	2:30PM-6:00PM SGT

View Session Synopsis

United States

United
States

Glenn Thum

Research Manager
Phillip Securities Research

	13 APR, MON
	7:30PM-9:00PM SGT

View Session Synopsis

Emerging Markets

Malaysia

Shahira Rahim

Head of Equity Strategy
Phillip Research Sdn Bhd

13 APR, MON
1:00PM-2:00PM SGT

View Session Synopsis

Thailand

Chutikan Santimetvirul

Head of Equity Strategy
Phillip Research (Thailand) PCL

10 APR, FRI
1:00PM-2:00PM SGT

View Session Synopsis

Indonesia

Jasa Adhimulya

Senior Equity Analyst
Phillip Sekuritas Indonesia

15 APR, WED
1:00PM-2:00PM SGT

View Session Synopsis

Japan

Tomoyuki Misumi

Research Analyst
Phillip Securities Japan

16 APR,THU
1:00PM-2:00PM SGT

View Session Synopsis malaysia card thailand card indonesia card japan card

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Mr. Geoff Howie

Mr. Howie is the Singapore Exchange’s Market Strategist, with 28 years of experience in financial markets and macroeconomic analysis. As the Exchange’s leading market communicator to the investing public, he established the SGX My Gateway Report, pens the weekly Inside Insights column in the Business Times, in addition to conducting regular interviews with CNBC, CNA, BFM and Money FM 89.3.... Mr. Howie was also named a LinkedIn Power Profile in 2018. Prior to his role at SGX, Mr. Howie held lead Broking and Market Strategist roles across the Asia Pacific offices of the world’s largest Futures and Options broker.

Mr Howie has received a Bachelor's and Master’s degree in Economics at the University of Queensland, with his thesis achieving the highest grade for first-mover policy research on the opening of Shanghai’s economy in the early 1990s. View More Hide

11 APR, SAT 2:30PM-3:00PM SGT

Mr. Bruce Zhang

Bruce Zhang, CFA – Head of Fixed Income, CSOP Asset Management Mr. Zhang Dinghai (Bruce) is Head of Fixed Income at CSOP and he is responsible for bond, REITs, money market and Singapore ETF investment strategies. His major responsibilities include ETF portfolio management and business development to enhance the company’s fixed income strategies positioning. He is responsible for billions of fixed income strategies across multiple sectors. Other responsibilities include bespoke analysis for the client facing teams and quantitative support for the local product group. Before that, Bruce worked at State Street Global Advisors and held several roles including product engineer, portfolio specialist and portfolio manager. Bruce holds a Master’s degree in Economics from the University of Hong Kong and a Bachelor of Arts from Peking University. He is a CFA Charter holder and is a member of CFA Institute and the Hong Kong Society of Financial Analysts. View More Hide

11 APR, SAT 3:00PM-3:30PM SGT

Mr. Marcus Ng

Marcus Ng leads the Cross Asset Listed Products Distribution for Societe Generale in Singapore. He is responsible for the issuance, product management, and distribution of Societe Generale’s listed structured products shelf in Singapore. He is focused on developing the Daily Leverage Certificates that have been listed in Singapore since 2017 while actively supporting the launch of Structured Certificates in 2023..., both a first of its kind in Asia.

Marcus leverages on the team’s extensive experience growing the Warrants and Callable Bull/Bear Contracts (CBBCs) offering in Hong Kong over the last decade and his own experience from his prior role at the SGX where he spent seven years managing the structured products listed on the securities market to drive innovation and develop the local listed structured products market to meet investors’ diverse needs View More Hide

11 APR, SAT 5:30PM-6:00PM SGT

SGX
Group

Mr. Geoff Howie

11 APR, SAT 2:30 PM - 3:00 PM SGT Mr. Howie is the Singapore Exchange’s Market Strategist, with 28 years of experience in financial markets and macroeconomic analysis. As the Exchange’s leading market communicator to the investing public, he established the SGX My Gateway Report, pens the weekly Inside Insights column in the Business Times, in addition to conducting regular interviews with CNBC, CNA, BFM and Money FM 89.3. Mr. Howie was also named a LinkedIn Power Profile in 2018. Prior to his role at SGX, Mr. Howie held lead Broking and Market Strategist roles across the Asia Pacific offices of the world’s largest Futures and Options broker.

Mr Howie has received a Bachelor's and Master’s degree in Economics at the University of Queensland, with his thesis achieving the highest grade for first-mover policy research on the opening of Shanghai’s economy in the early 1990s. View More Hide 11 APR, SAT 2:30PM-3:00PM SGT

CSOP Asset
Management

Mr. Bruce Zhang

11 APR, SAT 3:00 PM - 3:30 PM SGT Bruce Zhang, CFA – Head of Fixed Income, CSOP Asset Management Mr. Zhang Dinghai (Bruce) is Head of Fixed Income at CSOP and he is responsible for bond, REITs, money market and Singapore ETF investment strategies. His major responsibilities include ETF portfolio management and business development to enhance the company’s fixed income strategies positioning. He is responsible for billions of fixed income strategies across multiple sectors. Other responsibilities include bespoke analysis for the client facing teams and quantitative support for the local product group. Before that, Bruce worked at State Street Global Advisors and held several roles including product engineer, portfolio specialist and portfolio manager. Bruce holds a Master’s degree in Economics from the University of Hong Kong and a Bachelor of Arts from Peking University. He is a CFA Charter holder and is a member of CFA Institute and the Hong Kong Society of Financial Analysts. View More Hide 12 APR, SAT 3:00 PM - 3:30 PM SGT

Societe
Generale

Mr. Marcus Ng

11 APR, SAT 5:30 PM - 6:00 PM SGT Marcus Ng leads the Cross Asset Listed Products Distribution for Societe Generale in Singapore. He is responsible for the issuance, product management, and distribution of Societe Generale’s listed structured products shelf in Singapore. He is focused on developing the Daily Leverage Certificates that have been listed in Singapore since 2017 while actively supporting the launch of Structured Certificates in 2023..., both a first of its kind in Asia.

Marcus leverages on the team’s extensive experience growing the Warrants and Callable Bull/Bear Contracts (CBBCs) offering in Hong Kong over the last decade and his own experience from his prior role at the SGX where he spent seven years managing the structured products listed on the securities market to drive innovation and develop the local listed structured products market to meet investors’ diverse needs. View More Hide 11 APR, SUN 3:30 PM - 6:00 PM SGT

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Delivering
True Zero to You

0 US Commission.
0 Settlement Fees.
0 Platform Fees.

OPEN AN ACCOUNT

Trade SGX Stocks
from 0.06%

No Minimum Commission.

OPEN AN ACCOUNT

Cash Plus Account

Online Brokerage Rate is determined based on the previous day end’s Total Asset Value in the Account.

Asset Values Markets ▶	Starter SGD 0 – SGD29,999	Premier SGD30,000 – SGD249,999	Privilege SGD250,000 and above
United States	Lifetime 0 Commission
Singapore	0.08%	0.07%	0.06%
	No Minimum Commission
Hong Kong	0.08%, min HKD 30	0.06%, min HKD 20	0.05%, min HKD 15
China	0.12%, min CNH 60	0.10%, min CNH 50	0.08%, min CNH 40
See more market
Canada	0.12% min CAD18	0.10% min CAD15	0.08% min CAD12
Malaysia	0.12%, min MYR 30	0.10%, min MYR 25	0.08%, min MYR 8.80
Thailand	0.18%, min THB 500	0.15%, min THB 400	0.12%, min THB 300
Indonesia	0.18%, min IDR 250,000	0.15%, min IDR 200,000	0.12%, min IDR 150,000
Japan	0.12%, min JPY 1200	0.10%, min JPY 1000	0.08%, min JPY 800
Australia	0.12%, min AUD 18	0.10%, min AUD 15	0.08%, min AUD 12
United Kingdom	0.12%, min GBP 18	0.10%, min GBP 15	0.08%, min GBP 12
Belgium	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
France	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Netherlands	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Portugal	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Germany	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8

Other Fees & Charges

Other Fees & Charges
Account Maintenance Fee (SGX)	Waived1	Waived1	Waived
Foreign Shares Custody Charges	Waived2	Waived2	Waived
Dividend Handling Fee (SGX)	Applicable3	Applicable3	Waived
Interests
Credit balance	Applicable For All4
Debit balance	Applicable For All5

Why Cash Plus Account?

0% Sales Charge, 0% Switching Fee, 0% Platform Fee over 2000+ Unit Trusts. Invest with CPF and SRS
Update now Multi-currency facility: SGD, USD, HKD, AUD, MYR, JPY, GBP, EUR, CNY, CAD Financing available in 9 Currencies – SGD, USD, HKD, JPY, AUD, GBP, EUR, CNY & CAD Your Trusted Broker since 1975, with a growing global presence in 15 countries Our investment specialists and support teams are committed to ensure a seamless trading experience for you Receive insights from our timely market research to make your trading decisions

How to Start?

One account. Multiple markets. Smarter use of your cash.

1

Open a Cash Plus account

if you already have an account, click here to convert. 2

Download POEMS Mobile 3 App

Sign up for Free Live Prices and get access to POEMSGPT, Community and more.

3

Fund

Fund and put your idle cash to work, find out more about SMART Park

×

Steps to convert to Cash Plus Account:

Log in to POEMS 2.0 > Acct Mgmt > Online Forms > Account Conversion Form ×

This is provided to you for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the investment product mentioned. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of your acting based on this information.

Investments are subject to investment risks including the possible loss of the principal amount invested. Unit trusts distributed by Phillip Securities Pte Ltd (“PSPL”) are not obligations of, deposits in, or guaranteed by, PSPL or any of its affiliates.

The value of the units in any fund and the income from them may fall as well as rise. Past performance figures as well as any projection or forecast used in this publication are not necessarily indicative of future or likely performance of any unit trust. You should read the prospectus and product highlights sheet before deciding to subscribe for units in the respective fund. A copy of the prospectus can be obtained from the issuer or PSPL, or online at https://www.poems.com.sg/fund-finder/phillip-money-market-fund-534010/

You may wish to obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase any of the investment products mentioned herein. In the event that you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Close OPEN AN ACCOUNT

SMART Park

SGD 0.9425%USD 3.2786%

Rates are 7 days annualised and updated as of 04 May 2026

*Based on the average rate of annualised returns over the last rolling week.

Past performance is not necessarily indicative of future performance. View disclaimer

LEARN MORE

Frequently Asked Questions

How are my Total Asset Value (AUC) calculated?

Total Asset Value is calculated based on clients’ credit balance, value of shares and bonds in the Cash Plus Account.
Debit balance will not be deducted from the value of clients’ credit balance, value of shares and bonds to determine Total Asset Value.

Illustration:
1) When a client has S$150,000 in Shares in his Cash Plus Account and S$100,000 credit balance, he will be deemed to have a total asset value of S$250,000.
2) When a client has S$250,000 in credit balance in his Cash Plus Account, he will be deemed to have a total asset value of S$250,000.
3) When a client has S$250,000 in Shares in his Cash Plus Account and S$100,000 debit balance, he will be deemed to have a total asset value of S$250,000.

For POEMS 2.0:

Login to POEMS 2.0 > Acct Mgmt > Stocks > Account Details or visit here

For POEMS Mobile 3 App:

Login to POEMS Mobile 3 App > Trade tab or visit here

When will Custody fees be charged?

Custody fees consists of Account Maintenance Fee and Foreign Share Custody Charges that are deducted on January, April, July and October, based on three-month average Total Asset Value, prior to those deduction months.
For new account that does not have a full three-month average, daily average of Total Asset Value will be used starting from account opening date.
For converted account that does not have a full three-month average, daily average of Total Asset Value will be calculated starting from conversion date.

How do I know if I am qualified for Dividend Handling Fee (SGX) waiver?

Dividend Handling Fee will be waived for Total Asset Value of SGD250,000 and above, based on the previous end of day’s settled Total Asset Value held in your Account in custody with Phillip Securities Pte Ltd (PSPL).

How do corporate actions affect the brokerage rates and Dividend Handling Fee for my Account?

In the event of a corporate action, only the value of remaining shares and cash in your Account will be included in the Total Asset Value for determining your brokerage rate and Dividend Handling Fee (SGX).

Can I buy shares using my CPF or SRS funds?

Yes. The Cash Plus account will need to have sufficient Available Cash before you may place a buy trade. Please refer to Section 3(A) of the Cash Plus Account Information Sheet for more details.

Do note that shares settled with your CPF or SRS monies will not be included in the computation of your Total Asset Value.

All amendments and revoked CPF/SRS trades will be subject to the Singapore rate of 0.28%, min SGD25.

Which Accounts are eligible to convert to Cash Plus Account?

All custody accounts, namely Prepaid (CC) Account, Custodian (C) Account, Margin (M) Account are eligible for conversion. There is a limit to the number of times you can do the account conversion.

Please understand the Account features before emailing the conversion form to your trading representative. Alternatively, you can email it to talktophillip@phillip.com.sg

What is the minimum age to open a Cash Plus Account?

Anyone who is 18 years old and above can open the Account.
However, margin facility will be made available upon request for customers above 21 years old.

Can trades made using Cash Plus Account be settled with an external custodian?

Cash Plus Account is a custody type account. Barring CPF/SRS trades, all trades will need to be settled in the Cash Plus Account. Pursuant to settlement, if you wish, you may request to transfer out your shares to an external custodian, where applicable transfer out fees as stated will apply.

What is a Cash Plus Account?

Cash Plus Account is an investment Account that allows you to trade stocks and ETFs in global markets at low commission rates and invest in unit trusts without sales charges.

How do I deposit funds into my Cash Plus Account?

You may use PayNow, GooglePay, and more to deposit funds into your Cash Plus Account. This can be done:

• manually via https://www.poems.com.sg/payment/
• via POEMS Mobile 3 App: Me > Deposit Funds > PayNow/eNets > Select your Cash Plus Account > Transfer!

What returns are offered on the Cash Plus Account balance?

If you have opted-in to SMART Park (MMF), you can grow your idle cash based on its return. SMART Park requires a minimum funding of $100 per market, in the respective currency (SGD, USD or HKD). You can withdraw anytime and use for payment for stocks, ETFs,and unit trusts seamlessly.

For more information on MMF and its rates, please refer to this website: Excess Funds Management – POEMS

SMART Park is an Excess Funds Management Facility that invests and manages your idle cash automatically, on a discretionary basis.

Make your money work HARDER and SMARTER at:

Return (7 Day) Annualised*

SGD3.379% p.a.USD3.379% p.a.HKD3.0197% p.a.

Rates updated as of 5 September 2022
*Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer

View Fund Info (SGD)

View Fund Info (USD)

Are there any minimum balance requirements for the Cash Plus Account?

There is no minimum balance requirement for your Cash Plus Account. However, SMART Park requires a minimum funding of $100 per market, in the respective currency.

Who can I contact if I have questions about my Cash Plus Account?

Please call your servicing TR/Dealer directly, or contact customer service at 6531 1555 or talktophillip@phillip.com.sg if you have any issues regarding your Cash Plus Account.

What are the commission rates associated with each market for my Cash Plus Account?

Commission rate is determined based on the previous day end’s Total Asset Value in the Account. For more information on a specific market’s commission rates, click here.

Should I open a Cash Plus Account or Cash Management Account?

It depends on what you prioritise.

• Commission Rates: Cash Plus Accounts are levied a significantly lower commission rate compared to Cash Management Accounts.

  Click here for more information on commission rates.

• CPF/SRS without prefund: Your Cash Management Account allows you to trade based on your trading limit accorded – no pre-funding is required. Your Cash Management Account is linked to your CDP account for the settlement of securities trades done on the Singapore Exchange (SGX).

  With a Cash Plus Account, you can trade CPF and SRS funds at an attractive commission rate from 0.06% with no minimum. Take note, it is essential to ensure that there is sufficient available cash in your Cash Plus Account to place buy trades – notwithstanding if the trades are eventually settled using CPF or SRS.

For a more comprehensive overview, refer to this guide here.

What happens if I close my Cash Plus Account?

Remember to withdraw your balance before closing your Account.

Please contact your Trading Representative (TR) or dealing team for further assistance.

How do I transfer securities between my trading Account and Cash Plus Account?

For transferring of securities held in your CDP account to your Cash Plus or other trading Accounts, you may opt for the CDP Mass Transfer. Fees will be waived up till 20 Sep 2027.

Click here for more information on our CDP Mass Transfer promotion, and here for the instructions on the transfer process.

Click here to submit an internal transfer.

What happens if I don't use my Cash Plus Account for a long time?

• If you have previously traded in SGX securities but have since become inactive, please note that the S$15 account maintenance fee will be levied if there is no trading activity for the preceding quarter, subject to GST.
• For Privilege Tier Cash Plus clients and clients that transferred in their CDP holdings using the CDP Mass Transfer, the account maintenance fee is waived regardless of trading activity done during the quarter.

Can I use my Cash Plus Account for margin trading?

• Yes, the margin facility will be automatically available to you when you sign up for a Cash Plus Account.
• Cash Plus Accounts come with a default credit limit of S$50,000. Should you require a review of your credit limit, please contact your Trading Representative (TR) or the Dealing Team.
• For more information regarding the margin factor, refer to our infosheet.

I have shares in my CDP. Can I sell them using my Cash Plus Account?

• No, you will need to transfer in your CDP holdings to your Cash Plus Account before selling. Refer to https://www.poems.com.sg/share-bond-unit-trust-transfer/ for the CDP transfer form and associated fees.
• We are currently running an exclusive promotion for the transfer of assets in your CDP account to your Cash Plus or trading account. For more information, please visit here.

How to know if I am being charged 0.06% (no minimum) for trades done in SGX listed shares?

It will be shown on the contract notes:

• e-statement > daily statement > select contract date in POEMS 2.0.
• Me > eStatement > select contract date in POEMS Mobile 3.

Amalgamation only applies to SGX, and does not apply to other markets. Amalgamated trades (BUY or SELL Trades of the same counter listed on SGX and HKEx respectively, that are placed on the same trading day on POEMS Trading Platforms using the same payment mode (cash, SRS, or CPF) with the same Account) are considered as one trade. This is due to the fact that we only charge one commission for such trade orders. Please refer to https://www.poems.com.sg/faq/trading/general/what-is-amalgamate/ for more information and available markets.

Are there any exchange fees from trading in SGX shares?

Exchange Fee and Other Charges
Clearing fee1	0.0325%
SGX Access Fee2	0.0075%
SGX Settlement Instruction (SI) Fee3	SGD0.35

and GST, which are mandatory across all brokerages regardless of brokers. What can I buy using CPF/SRS monies in the SG Market?

For relevant Unit Trusts, please refer to the link below:
CPF: https://www.poems.com.sg/fund-finder/?search_key=CPF
SRS: https://www.poems.com.sg/fund-finder/?search_key=SRS

For the list of Singapore Exchange-listed stocks you can invest in using CPF, please refer to the link below:
https://www.sgx.com/securities/stocks-under-cpf-investment-scheme

For the list of Singapore Exchange-listed stocks you can invest in using SRS, please attain the SRS-approved list from the respective agent banks.

While using the available Cash to place an order to buy using CPF/SRS funds, how many days afterwards can we use the same funds for the next purchase?

You may use the same funds after settlement with your agent bank.

Where do dividends from stocks go?

Your SGX and other global-exchange listed securities will be held in custody, and the dividends will be credited to your Cash Plus Account.

Terms and Conditions:

1. Waiver condition is at least 1 trade per quarter for the Account. Otherwise, S$15.00 (subject to GST) per quarter is chargeable based on March, June, September and December month-end Account balance.
2. Waived for US and HK Foreign Custody fee until 31 December 2027. Please refer to Cash Plus Account Infosheet for charges thereafter.
3. Cash Dividend: 1% on net dividend, minimum of S$1.00 and capped at S$50.00 (subject to GST) + Foreign fees and taxes (if applicable).
4. For more information, please refer to Cash Plus Account Infosheet. Alternatively, you may wish to opt-in for the Excess Funds Management facility to enjoy potentially greater returns on any surplus funds (credit balance) parked in your account.
5. Interest on debit balance is applicable when you utilise the Margin facility. For more information, please refer to Cash Plus Account Infosheet.
6. Only non-professionals are eligible for the complimentary live price subscription. For details, please visit https://www.poems.com.sg/complimentary-live-price-quotes/
7. Reduced rates are only applicable to ONLINE trades. For offline rates, please click here.
8. US 0 Commission starts from 13 May 2026.
9. US markets : pre-, regular, and post-market only (US. Asian Hours excluded)
10. US listed shares trading below US$1 per share are for offline trading and not eligible for US 0 Commission. Offline rates apply.

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5,000+

Employees

1M+

Clients worldwide

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Assets Under Management

Get up to S$100 Cash Credit
when investing in SGX ETFs
with Share Builders Plan

Simple monthly investing, automated by eGIRO

OPEN AN ACCOUNT NOW

Get up to S$100 Cash Credit
when investing in SGX ETFs
with Share Builders Plan

Simple monthly investing,
automated by eGIRO

OPEN AN ACCOUNT NOW

Campaign Period: 15 May 2026 to 30 September 2026

Campaign Period:
8 May 2026 to
30 September 2026

1

Sign up for SBP
and set up eGIRO

2

Invest S$200/month
across 2 eligible ETFs for 3 months

3

Earn up to S$100 Cash Credit, limited to the first 100 Customers

Open to New SBP Customers only

SIGN UP WITH SBP

1

2

3

Sign up for SBP
and set up eGIRO

Invest S$200/month
across 2 eligible ETFs
for 3 months

Earn up to S$100 Cash Credit, limited to the first 100 Customers

Open to New SBP Customers only

SIGN UP WITH SBP

Cash Credit Details

Monthly Investment Amount	Total for 3 months	Investment Period	Cash Credit	Eligible Counters
S$200	S$600	3 consecutive months	S$20	Selected SGX-listed ETFs Counters (Please refer to the counter list below)
S$400	S$1200		S$40
S$600	S$1800		S$60
S$800	S$2400		S$80
S$1000	S$3000		S$100

The promotion is limited to the first 100 New SBP Accounts. Eligible Customers who invest a minimum of S$200 per month across at least 2 selected ETF counters for three consecutive months via eGIRO will receive S$20 Cash Credit, credited to their Share Builders Plan (SBP) Ledger, subject to a maximum Cash Credit cap of S$100. 

Eligible Counters

S/N	Counter Name	Counter Name on Website
1	Phillip SING Income ETF	PHI SING INCOME
2	Amova Straits Times Index ETF	Amova STI ETF
3	Lion-CM CSI Dividend Index ETF	Lion-CM CSI Div S$
4	Lion-OCBC Securities APAC Financials Dividend Plus ETF	Lion-OSPL APAC FinS$
5	Lion-OSPL Low Carbon S$	LION-OSPL LOW CARBON S$
6	UOBAM Ping An FTSE ASEAN Dividend Index ETF	UOBAM PA FT SEAN DV S$
7	SPDR Straits Times Index ETF	STI ETF

* Counters not listed above will not be eligble for the promotion

EXPLORE SBP FOR ETFS HERE!

Sign up for the Share Builders Plan (SBP)

If you have yet to open a POEMS Account, open one here. 
If you are an existing POEMS Account holder, simply follow these instructions: 

via POEMS Mobile 3 App

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Subscribe via here

Set Up eGIRO for Recurring Investments

via POEMS Mobile 3 App

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Go to Acc Mgmt > Online Forms > Account Application > GIRO > Select SBP (Account no.) > Choose Bank > Apply

Understanding SBP & Its Investment Benefits

Share Builders Plan (“SBP”) is a regular fixed dollar amount investment plan, which enables you to buy shares on a consistent and incremental basis so as to build up a portfolio of securities for yourself eventually. 

No Lock In Period

Dividend Reinvestment

Dollar Cost Averaging

Hassle-free Payment via Interbank GIRO

Scenario 1: Customers who invests S$100 into each of two selected ETFs monthly for three consecutive months is eligible for
S$20 Cash Credit.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$100	Two consecutive months	S$20
	Amova STI ETF	S$100
June 2026	PHI SING INCOME	S$100
	Amova STI ETF	S$100
July 2026	PHI SING INCOME	S$100
	Amova STI ETF	S$100

Scenario 2: Customers who invests S$200 per month into a single ETF counter for three consecutive months does not qualify for the Cash Credit. Customers must invest in at least two selected ETF counters per month to be eligible.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$200	Three consecutive months	S$0
June 2026	PHI SING INCOME	S$200
July 2026	PHI SING INCOME	S$200

Scenario 3: Customers who invests more than the minimum requirement (e.g. S$1,200 per month across 2 selected ETF counters) for three consecutive months, will receive Cash Credit capped at a maximum of S$100 per SBP Account.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$600	Three consecutive months	S$100
	Amova STI ETF	S$600
June 2026	PHI SING INCOME	S$600
	Amova STI ETF	S$600
July 2026	PHI SING INCOME	S$600
	Amova STI ETF	S$600

*These examples should not be considered as financial advice. 

*Please refer to Scenarios 1, 2, and 3 for indicative Cash Credit amounts, including eligible and non-eligible cases

Terms and Conditions

VIEW T&Cs

FAQ

VIEW FAQs

Trade Index CFDs with Zero Commission

  Zero commission on POEMS CFD

  Tight spreads during trading hours

  Trade rising and falling markets

Open account

Why Trade World Index CFDs?

Diversify your portfolio with world indices CFDs and access global markets with ease

Up to 20X Leverage
Provides capital‑efficient access to larger market exposure. Global Market Access
Trade indices from Singapore, Hong Kong, US, Europe, Japan, and more markets worldwide Long & Short Positions
Capture opportunities in both bull and bear markets. Zero Commission & Competitive Spreads
Trade all index CFDs on POEMS CFD with zero commission and enjoy competitive spreads during market trading hours.

*Financing charges are applicable to positions held overnight.

Zero Commission on POEMS CFD
All index CFD trades on the POEMS suite are now commission-free

Tighter Spreads During Trading Hours
Reduced target spreads during the underlying market's trading session

$0

Commission

Up to

20x

Commission

20+

Commission

Close to

24/5

Trading Hours

0%

Commission on POEMS CFD

Up to

20x

Maximum Leverage

20+

World Indices Available

Close to

24/5

World Indices Available

Open account

Available Index CFDs

Trade major global indices across multiple regions with competitive spreads

Asia Pacific United States Europe Asia Pacific

Index	Previous Spread	New Spread (T Session)
Singapore Index SGD1 CFD	0.25	0.25
Singapore Index SGD20 CFD	0.25	0.25
Hong Kong Index HKD1 CFD	8	3.8
Hong Kong Index HKD5 CFD	8	3.8
Hong Kong Tech Index HKD1 CFD	8	5.5
China A50 Index USD1 CFD	10	8
Japan 225 Index JPY100 CFD	10	8
Tokyo Index JPY1000 CFD	1	0.8

United States

Index	Previous Spread	New Spread (T Session)
Wall Street Index USD1 CFD	4	2.5
US SP 500 Index USD1 CFD	0.5	0.38
US SP 500 Index USD5 CFD	0.5	0.38
US Tech 100 Index USD1 CFD	1	0.9
US Tech 100 Index USD5 CFD	1	0.9

Note: T Session refers to spreads during the underlying market’s trading hours. T+1 Session refers to spreads outside trading hours. Spreads are subject to variation, especially in volatile market conditions.

Europe

Index	Previous Spread	New Spread (T Session)
UK 100 Index GBP1 CFD	2	1
Euro Stocks 50 Index EUR1 CFD	1.5	1.5
France 40 Index EUR1 CFD	1.1	1.1
Germany 40 Index EUR1 CFD	1.1	1.1

Note: T Session refers to spreads during the underlying market’s trading hours. T+1 Session refers to spreads outside trading hours. Spreads are subject to variation, especially in volatile market conditions.

view MORE MARKET OPPORTUNITIES View all articles

Understanding Index CFDs

Indices CFD is a form of Contract For Differences that allow traders to gain price exposure to stock market indices without owning the underlying constituent shares.

Global Market Access

Access major stock market indices across the US, Europe and Asia through a single trading account - allowing you to participate in global market opportunities across different time zones.

Trade Both Rising and Falling Markets

Index CFDs allows you to capitalize on both bullish and bearish market conditions, as well as hedging your investment portfolio against market downturns.

Broad Market Exposure in a Single Trade

Index CFDs provides instant diversification by providing exposure to a basket of companies instead of a single stock, reducing company specific risk.

How to Get Started?

Start trading world indices CFDs in four simple steps

Open an Account
Sign up for a Phillip CFD trading account in minutes with our streamlined onboarding process Fund Your Account
Deposit funds into your trading account using multiple convenient payment methods Choose Your Index
Select from over 20 world indices across Asia, US, and Europe markets Start Trading
Execute trades with 0% commission, tight spreads, and up to 20x leverage

Trade on Multiple Platforms

Access world indices CFDs across all POEMS trading platforms with advanced order types and tools

POEMS Web 2.0

Advanced web-based trading platform with comprehensive tools and real-time data

POEMS Mobile 3.0

Trade on the go with our mobile app available for iOS and Android devices

POEMS Pro & MT5

Professional trading platforms with advanced charting and technical analysis

Ready to Start Trading Index CFDs?

Take advantage of 0% commission and tight spreads on major global indices. Open your account today and start diversifying your portfolio.s

Login to POEMS 2.0 OPEN AN ACCOUNT Importance Notice

CFDs may not be suitable for customer whose risk tolerance is low. Customers are advised to understand the nature and risks involved in margin trading. Any CFD offered is not approved or endorsed by the issuer or originator of the underlying security the issuer or originator is not privy to the CFD contract. Phillip Securities Pte Ltd reserves the right to amend the published information without prior notice. You are advised to read carefully and understand the Risk Disclosure Statement and CFD Risk Fact Sheet before undertaking transactions in CFDs. As CFD is a Specified Investment Product (SIP), retail customers are subject to the relevant assessment for trading/investing in SIPs. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Copyright © 2025. Brought to you by Phillip Securities Pte Ltd (A member of PhillipCapital) Co. Reg. No. 197501035Z. All Rights Reserved.

OPEN ACCOUNT OPEN ACCOUNT

Campaign Period: 18 May 2026 to 31 July 2026

Get Started in 3 Simple Steps

Step 1

Sign in via the POEMS Mobile 3 App, or Open an Account if you’re new.

Step 2

Redeem your Macquarie Warrants Coupon via the POEMS Mobile 3 App Rewards section to receive S$30 in Cash Credit.*

*T&Cs Apply.

Scan the QR code to redeem your S$30 Macquarie Warrants Coupon.

Redeem Now

Step 3

Trade a cumulative value of S$150,000 by 30 July to qualify for S$150 Cash Credit.*

*T&Cs Apply Trade Now

Why Trade Structured Warrants?

Leverage Exposure

Structured Warrants provide 5x to 20x leverage on the daily performance of the underlying index. A 1% move in the underlying may result in approximately 5% to 20% movement in the warrant, depending on gearing.

Limited Downside

Structured Warrants limit downside risk to the initial investment, as there are no margin calls. This allows investors to benefit from leveraged upside while keeping potential losses capped.

Low Capital Outlay

Structured warrants are typically priced at around S$0.10–S$0.20, compared to shares which may require higher capital investment. This allows investors to gain exposure to blue-chip shares at a fraction of the share price.

Diversification

Structured warrants provide exposure to a range of sectors, industries, or regions without direct ownership of the underlying securities.

Trade with No Minimum Commission Fee

Trade Structured Warrants, keep costs low, and capture every market opportunity.

Example: A customer invests S$300 in a Structured Warrant priced at S$0.10 per share.

	Cash Management Account		Cash Plus Account
	Before 02/03/2026*	Now
SGX-listed Structured Warrants traded price	S$0.10	S$0.10	S$0.10
Quantity Purchased	3,000 units	3,000 units	3,000 units
Gross Amount	S$300	S$300	S$300
Commission	S$25 (Fees calculated at 0.28% or minimum S$25, for Cash Management Account with contract value below S$50,000)	S$0.84 (0.28% x S$300) (Fees calculated at 0.28%, for Cash Management Account with contract value below S$50,000)	S$0.24 (0.08% x $300) (Fees calculated at 0.08%, for Cash Plus Account: Starter tier)
Commission Saved		S$24.16

*Online commission shown does not include any promotional discounts.

Note: The above examples do not include Exchange Fee and GST.

For pricing of other account types, please refer here.

Frequently Asked Questions

Am I required to register first before I participate in this promotion?

No, registration is not required. Your Account will be automatically tracked when you execute eligible trades during the campaign period.

How do I identify if the Warrant listed is issued by Macquarie?

You can identify the Issuer by the name of the Warrant. Let’s use the Alibaba Call Warrant for example: Alibaba MB eCW260804 (V8ZW)

Counter Code: V8ZW

Underlying asset: Alibaba

Issuer (MB = Macquarie Bank)

Expiry Date (YYMMDD): 260804 – 2026 Aug 04

I am a Cash Trading Account holder. Am I eligible for this promotion?

No, Cash Trading Account holders are not eligible for this promotion. You may consider opening an eligible Account type or converting your Cash Trading Account to a Cash Management Account.

How to redeem the S$30 Macquarie Warrants Coupon on POEMS Mobile 3 App?

To redeem the S$30 Macquarie Warrants Coupon, please kindly follow these few steps:

1. Download POEMS Mobile 3 App on App Store/Google Play Store.
2. Login with your POEMS Account number and password and head over to Me Tab > Rewards. 
3. Select S$30 Macquarie Warrants Coupon under SHOP and Buy with 1 POEMS Coin to redeem.
4. Once redeemed, execute the eligible trade before the expiry date. 
5. Once you have executed an eligible trade, the S$30 Cash Credit will be credited to your Account within one (1) month after the campaign end date of 31 July 2026.

Terms & Conditions

T&Cs for S$150 Cash Credit

1. This promotion is valid from 18 May 2026 to 31 July 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:

• Trade Macquarie Warrants with a total buy value of minimum S$150,000 to receive S$150 in Cash Credit.
  • Eligibility:
    • BUY trades only
    • SGX listed Macquarie Warrants
    • Cash trades only
    • Online trades only
    • Accounts used for trading of Macquarie Warrants must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
    • BUY Trades of the same counter listed in SGX, that are placed on the same trading day on POEMS Trading Platforms using the same payment mode (cash or SRS) with the same Account, are considered as one trade. This is because we only charge one commission for such trade orders. Please refer HERE for more information.
  • Crediting of Rewards:
    • The S$150 Cash Credit will be credited to the eligible Account within the month of August 2026 after the completion of Successful Trades.
    • “Successful Trades” refer to BUY trades of SGX-listed Macquarie Warrants that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
    • Each customer is eligible to receive the S$150 Cash Credit once only during the Promotion Period.
    • The Cash Credit is to be provided to the first 50 eligible clients of PSPL who invest during the promotion period.
    • PSPL reserves the right to verify eligibility and trading activity before crediting the cash reward.
    • Phillip Securities Pte Ltd (PSPL)’s determination of eligibility for the S$150 Cash Credit shall be final and binding.

3. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

4. Phillip Securities Pte Ltd (“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 Customers 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 Customers.
5. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
6. By participating in this promotion, you acknowledge that you have read and consented to these Terms and Conditions.
7. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for S$30 Macquarie Warrants Coupon

1. This promotion is valid from 18 May 2026 to 31 July 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Eligibility Criteria:
   • BUY trades only
   • SGX listed Macquarie Warrants only
   • Cash trades only
   • Online trades only
3. This Coupon, exchangeable with one POEMS Coin, can be redeemed for a $30 Cash Credit upon completion of a successful eligible trade.
4. The availability of this Coupon listed on the POEMS Mobile 3 Reward Shop will be on a first come first serve basis.
5. Each Customer is only eligible to exchange one S$30 Macquarie Warrants Coupon using one POEMS coin during the Promotion period.
6. The one POEMS Coin used to exchange for this Coupon will not be refunded once the Coupon is exchanged.
7. This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
8. This coupon will expire on 31 July 2026, 6 P.M. (GMT+8). You are required to redeem the Coupon and execute the eligible trade within the Coupon eligibility period.
9. Once activated, the Coupon cannot be deactivated or reissued.
10. This Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon activation and before its expiry.
11. The S$30 rebate, up to the contract value, will be credited to the eligible Account within the month of August 2026 after the completion of a Successful Trade.
12. If the Coupon is not redeemed and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued.
13. If the Customer holds multiple trading Accounts, the Account that performs the first successful eligible trade will receive the S$30 rebate, regardless of which Account the Coupon was activated in. For example: Customer has Account A and Account B. Customer redeems the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the S$30 rebate.
14. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

15. Phillip Securities Pte Ltd (“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 Customers 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 Customers.
16. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
17. By redeeming this Coupon, you acknowledge that you have read and consented to these Terms and Conditions.

How to check if you have Singtel SDS

You can check via sds.singtel.com.

If you do not own Singtel SDS, the website will state that you are not an SDS holder.

What are my options?

OPTION 1: KEEP YOUR SINGTEL SDS

Step 1:

No action is required until 21 Nov 2026 - where your Singtel SDS
will be automatically transferred to:

Your individual CDP account if you have one
(CDP Account holder)

OR

A designated CDP account that will be opened for you
(Non-CDP Account Holder)

Your individual CDP account if you have one
(CDP Account Holder)

Successfully Transferred to your CDP account

Step 2:

You can view your Singtel SDS in your CDP account via SGX Investor Portal after 21 Nov 2026.

Step 3:

You can link your CDP account with POEMS, to
view and sell at your own discretion

OR

A designated CDP account that will be opened for you
(Non-CDP Account Holder)

Successfully Transferred to
a designated CDP account

Step 2:

You can view your Singtel SDS holdings here after
21 Nov 2026

Step 3:

You can visit SingPost, selected Phillip Investor Centres or use the SDS portal to sell your shares.

Successfully Transferred to
your CDP account

Step 2:

You can view your Singtel SDS in your CDP account via SGX Investor Portal after 21 Nov 2026.

Step 3:

You can link your CDP account with POEMS, to
view and sell at your own discretion

Successfully Transferred to
a designated CDP account

Step 2:

You can view your Singtel SDS holdings here after
21 Nov 2026

Step 3:

You can visit SingPost, selected Phillip Investor Centres or use the SDS portal to sell your shares.

Step 2:

You can view your Singtel SDS in your CDP account via
Online CDP account after 21 November 2026

Step 3:

You can link your CDP account with POEMS to view and sell
at your own discretion.

OPTION 2: SELL YOUR SINGTEL SDS

Before 21 Nov 2026

In Person

Visit SingPost or selected Phillip Investor Centres for assistance.

Online

Click Here to sell.

You may choose to receive your sales proceeds into either:
(i) your registered bank account with CPF Board or
(ii) your CPF-OA

If you wish to withdraw your proceeds from your CPF-OA, please submit a request via cpf.gov.sg/sdsproceeds after the sale proceeds have been credited to your CPF-OA.

Important note:

• You can only sell your Singtel SDS in full, partial selling is not allowed
• The sale of Singtel SDS will be executed at the prevailing market price at the point of trade by PSPL
• You will receive the sales proceeds within 14 business days
• A commission of  0.24% of the gross sales proceeds + GST will be applied
• SDS holders will not be able to sell Singtel SDS from 19 to 20 Nov 2026. These two days have been set aside to facilitate the planned transfer on 21 Nov 2026

After 21 Nov 2026

If you have
a CDP account

You can sell your Singtel SDS through a brokerage account linked to your CDP, such as POEMS by Phillip Securities. You may open a Cash Management Account here to facilitate trading.

If you do not have
a CDP account

A designated CDP account will be created. You may visit SingPost or selected Phillip Investor Centres for assistance.

Frequently Asked Questions

General

Who owns Singtel SDS shares?

Singtel SDS holders would have received notification letters within 2 weeks from 8 April 2026. Alternatively, you may log in to the Singtel SDS website to check your ownership status.

Is transfer to a joint CDP account allowed?

No, transfer to joint CDP account is not allowed.

Is Singtel SDS the same as a Singtel CPF-OA investment?

No, Singtel SDS is different from a Singtel CPF-OA investment.

If I have Singtel shares, what will happen when my Singtel SDS is transferred to my CDP account?

If you choose to transfer your Singtel SDS to your CDP account, the shares will be consolidated with your existing Singtel Shares, after 21 Nov 2026. 

Online Option

If I do not have SingPass, what options are available?

You will not be able to use the online option.  Please visit SingPost or one of the selected Phillip Investor Centre with the required supporting documents. 

In-person Option

What documents do I need to bring Phillip Investor Centres?

Please bring the following:
1. NRIC and
2. One of the following:

a. Printed copy of CPF Statement showing:

• • Full name as shown in NRIC

  • Number of Singtel SDS shares

  • Statement date (within the last 3 months) or

b. Hardcopy notification letter issued by Singtel and the CPF Board received in Apr 2026

Selling Option

How will I be informed once my Singtel SDS is sold?

Once the sale is completed, Phillip Securities will send you a contract note by mail detailing the selling price, fees, charges and net proceeds. The CPF Board will also notify you by email, SMS or letter within 14 working days once the sale proceeds have been credited. 

Where will my Singtel SDS sales proceeds be credited?

• Before 21 Nov 2026, proceeds will be credited to your CPF-OA or registered bank account with the CPF Board. 

• After 21 Nov 2026, proceeds will be credited to either your:
  • Bank account linked to CDP/trading account, or 
  • CPF-OA or registered bank account with the CPF Board (not subject to CPF withdrawal conditions) 

Why can’t I indicate my preferred selling price, date, or quantity when selling Singtel SDS?

• Before 21 Nov 2026, sales of Singtel SDS are processed through a batched and streamlined workflow between SingPost and Phillip Securities. 
  As a result, customers are unable to specify a preferred selling price, date, or quantity during this period. 

• After 21 Nov 2026, if you wish to set your own selling price, date, and quantity, you may consider: 

• • Transferring your Singtel SDS to your individual CDP account, and 
  • Linking it to a Cash Management Account via POEMS, where Singtel SDS can be traded like a regular SGX-listed stock. 

•  

Can I change my instruction after submitting a request to sell my Singtel SDS?

No, once submitted via Phillip Securities’ website, or SingPost branches, the selling instruction is irrevocable and cannot be changed. 

What commissions and fees are charged?

1) When you are selling online by yourself or through selected Phillip Investor Centres, these charges apply:

Fees and charges

Type	Details
Commission	0.24% of the gross sales proceeds

Fees charged by SGX

Type	Details
Clearing fee	0.0325% of the gross sales proceeds
Trading fee	0.0075% of the gross sales proceeds
Settlement fee	SGD 0.35 per trade

2) When selling from CDP via a brokerage account such as  POEMS, respective brokerage charges will apply.

Others

How will bankrupt clients be affected?

Regardless of whether they own an individual CDP account, their Singtel SDS will be transferred to the designated CDP account.

What should I do if the beneficiary is deceased, a Next-of-Kin or an Ex-Singapore Citizen?

Please visit SingPost for 3rd party authorisation.  

What happens if my individual CDP account is suspended?

• If your individual CDP account is suspended as at 21 Nov 2026, your Singtel SDS will be transferred on 28 Nov 2026, unless instructed otherwise by the CPF Board (for example, in the case of bankrupt SDS holders). 

• Your individual CDP account will remain suspended after the transfer.  

Phillip Investor Centres

Important note:

• Marine Parade branch will be closed from May to Oct 2026
• Ang Mo Kio will be closed on Aug 2026

Raffles City Tower

250 North Bridge Road,
#06-00, Raffles City Tower
Singapore 179101

Tel: 6812 1551(Wealth Advisory)
Tel: 6533 6001 (Reception) Email: rc@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm

See Virtual Tour

Get Directions

Visit Branch

Ang Mo Kio

Blk 710A, Ang Mo Kio Ave 8
#01-2631 Singapore 561710
(Opposite Ang Mo Kio MRT Station)

Tel: 6812 1522
Email: amk@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

Closed on Aug 2026 for renovation

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Boon Keng

Blk 102 #01-264
Towner Road
Singapore 322102

Tel: 6812 1599
Email: boonkeng@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

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Bukit Batok

Blk 636, #01-10
Bukit Batok Central
Singapore 650636

Tel: 6812 1533
Email: bkbatok@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

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Holland Drive

Blk 43 #01-47
Holland Drive
Singapore 270043

Tel: 6812 1544
Email: hollanddrive@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

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Marine Parade

Blk 80, #01-782
Marine Parade Central
Singapore 440080

Tel: 6812 1577
Email: marineparade@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

Closed from May to Oct 2026 for renovation

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Northpoint City

930 Yishun Ave 2 #02-168
Northpoint City, South Wing
Singapore 768019

Tel: 6812 1588
Email: northpoint@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 11.00am to 6.00pm
Sun: By appointment only
Closed on Public Holidays

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Raffles Place

1 Raffles Place #03-20
One Raffles Place
Singapore 048616

Tel: 6812 1500
Email: raffles@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm

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Toa Payoh

Blk 177, #01-132
Toa Payoh Central
Singapore 310177

Tel: 6812 1566
Email: tpy@phillip.com.sg

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Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

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Already A Customer? These Are For You

Grateful for 50 Years of Trust and Partnership

FAQ

1. What is the SBP Cash Back promotion?

The SBP Cash Back Promotion allows eligible customers to receive S$10 Cash Back for every S$200 fresh funds invested per month in any eligible counter for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.

2. What is the maxinmum Cash Back for each POEMS account?

The maximum Cash Back per SBP account is S$50.

3. How much Cash Back with every S$200 investment amount?

You will receive S$10 cashback after successfully completing the two consecutive months of subscription via GIRO and cap on S$50.

4. If I invest in Tencent HK SDR with S$800 per month for 2 consecutive months subscription, will I receive S$40 Cash Back?

Yes

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$800	Two consecutive months	S$10
May 2026	BYD HK SDR 10to1	S$800

*This example should not be considered as financial advice.

5. Am I eligible for the cashback if I subscribe to any eligible counters with a total of S$200 
(e.g., Counter A: S$100, Counter B: S$100) over two consecutive months via GIRO, even if I do not subscribe S$200 for each eligible counter per account?

Yes, you are eligible for the cashback because it is granted with every S$200 invested. Please refer to the example below

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$100	Two consecutive months	S$10
	BYD HK SDR 10to1	S$100
May 2026	Tencent HK SDR 10to1	S$100
	BYD HK SDR 10to1	S$100

6. What are the eligible counters for this cashback promotion?

There are 18 eligible counters:

• Bank oThere are 18 eligible counters:f CN HK SDR 1to1
• Alibaba HK SDR 5to1
• BYD HK SDR 10to1
• HSBC HK SDR 5to1
• Tencent HK SDR 10to1
• MEITUAN HK SDR 5to1
• PING AN Insurance HK SDR 2to1 
• XIAOMI HK SDR 2to1
• JD HK SDR 10to1
• PETROCHINA HK SDR 1to2
• SMIC HK SDR 5to1
• CATL HK SDR 30to1
• Pop Mart HK SDR 20to1
• Laopu Gold HK SDR 50to1 
• Trip.com HK SDR 50to1
• Baidu HK SDR 10to1
• China Mobile HK SDR 5to1
• Zijin Gold HK SDR 10to1 

7. How do I get the maximum Cash Back of S$50? 

To receive the maximum cashback, you must subscribe to any eligible counter with an investment of S$1,000 per month for two consecutive months via GIRO.  

8. What happens if my GIRO deduction fails once during the two-month subscription period? 

You will not be eligible for the promotion. The investment must be continuous for two months via Giro. Any missed or delayed payments will result in disqualification. 

9. Can I change my investment to a different eligible counter during the promotion period?

Eg. I invest in Tencent HK SDR 10to1 with S$200 in the beginning and change to BYD HK SDR 10to1 subsequently? 
A: No, your investment will not qualify for the promotion. 

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$1200	Two consecutive months	S$50
May 2026	Tencent HK SDR 10to1	S$1200

10. Can I change the investment amount for the eligible counter during the 2 consecutive months subscription? 

Yes, customers can increase and decrease their investment amount but if you reduce your investment during the two-month GIRO subscription period, you will not qualify for the promotion. (Refer to illustration A below)
The cashback is calculated based on your first month’s investment amount. For example, if you invest S$200 in the first month, then S$400 in the second month, your cashback will still be S$10. (Refer to illustration B below)

Illustration A

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$400	Two consecutive months	S$0
May 2026	Tencent HK SDR 10to1	S$200

customers can decrease their investment amount but if you reduce your investment amount during the two-month GIRO subscription period, you will not qualify for the promotion. 

Illustration B

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$200	Two consecutive months	S$10
May 2026	Tencent HK SDR 10to1	S$400

 customers can increase their investment amount. The cashback is based on your first month’s investment. For example, if you invest S$200 in the first month, then S$400 in the second month, your cashback will still be S$10. 

11. What is an example of 2 consecutive months subscription with GIRO? 

Month	Investment counter	Monthly Investment Amout
April 2026	Tencent HK SDR 10to1	S$200
May 2026	Tencent HK SDR 10to1	S$200

12. When can I receive the Cash Back? 

The Cashback will be credited to your SBP account ledger approximately 30 working days from the end of your consecutive 2-month subscription period with GIRO. 

13. If I apply for the SBP application during the promotion period but only submit the GIRO application after the promotion period, am I eligible? 

No. To qualify for this promotion, both the SBP online application and the GIRO application (apply by eGIRO) must be submitted within the promotion period and successfully processed/approved. The SBP online application and GIRO application must be completed within the promotion period to be eligible. 

14. Is GIRO the only payment method for this promotion? 

Yes

15. May I submit GIRO via paper form or e-GIRO to qualify for the promotion? 

To be eligible for this promotion, clients must submit e-GIRO. Paper GIRO (physical form) submissions are not accepted during the promotion period. 

16. If my SBP account was suspended in the past six months and re-activated during the promotion period, will my funds be considered as Fresh Funds? 

No

17. If my SBP account is terminated during the promotion period and I reapply during the promotion period, will I still be eligible for the promotion? 

No

18. Do I qualify for the promotion if I change my subscription to another eligible counter from an existing eligible counter? 

No, change of investment instructions between any eligible HK SDR to another eligible counter will not be considered as fresh funds, and will not qualify for the Cash Back.  

Terms and Conditions

1. The SBP x HK SDR – Cashback Promotion (“Promotion”) is valid from 01 April 2026 (0000 hrs.) to 30 June 2026 (2359 hrs.) (“Promotion Period”), both dates inclusive.
2. How to sign up for the Share Builders Plan? Complete the following two steps: Submit an online application
   1. If you do not have a POEMS account, you can open one here.
   2. If you already have a POEMS account, follow these steps:
      POEMS Mobile 3 App
      1. Log in to your POEMS Account
      2. Go to Trade > RSP > Share Builders Plan > Apply
      
      POEMS Website
      1. Subscribe via this link
      
      Apply e-GIRO: 
   3. POEMS Mobile 3 App
      3. Log in to your POEMS Account
      4. Go to Trade > RSP > Share Builders Plan > Apply
   4. POEMS Website
      3. Log in to your POEMS Account 
      4. Acc Mgmt > Online Forms > Account Application>GIRO>Select SBP (Account no.) > Choose the Bank>Apply 
3. Payment

   Eligibility 
   Based on successful GIRO deduction (regardless of whether GIRO was set up via paper or eGIRO). 

    

   GIRO Submission  
   All new GIRO setups and GIRO updates must be done via eGIRO through POEMS during promotion period. 

4. Only SBP Online Applications and eGIRO submissions received within the Promotion Period will be eligible. Any applications received after the Promotion Period or submitted through channels not specified above will not be considered. Any correspondence on missing and/or delayed submissions shall not be entertained. 
5. Eligible Counters for the Promotion: 
   
   • Bank of CN HK SDR 1to1 
   • Alibaba HK SDR 5to1
   • BYD HK SDR 10to1
   • HSBC HK SDR 5to1
   • Tencent HK SDR 10to1 
   • MEITUAN HK SDR 5to1 
   • PING AN Insurance HK SDR 2to1 
   • XIAOMI HK SDR 2to1
   • JD HK SDR 10to1 
   • PETROCHINA HK SDR 1to2 
   • SMIC HK SDR 5to1 
   • CATL HK SDR 30to1 
   • Pop Mart HK SDR 20to1 
   • Laopu Gold HK SDR 50to1 
   • Trip.com HK SDR 50to1 
   • Baidu HK SDR 10to1 
   • China Mobile HK SDR 5to1 
   • Zijin Gold HK SDR 10to1 
6. Investment Amount Amendment
   1. During the Promotion Period, customers may increase or decrease their investment amount.
   2. Notwithstanding Clause 6.1, if a customer reduces their investment amount at any time during the two (2)-month GIRO subscription period, the customer will be disqualified from the Promotion and will not be eligible to receive any cashback under the Promotion (see Illustration A). 
      

      Month	Investment counter	Investment Amount S$	Cashback
      April 2026	Tencent HK SDR 10to1	S$600	S$10
      May 2026	Tencent HK SDR 10to1	S$200

      *This example should not be considered as financial advice. 

      
      Customers can decrease their investment amount, however, if the investment amount is reduced any time during the two-month GIRO subscription period, the customer will no longer qualify for the promotion.   
   3. The cashback amount (if eligible) will be calculated based on the customer’s investment amount in the first (1st) month of the GIRO subscription period only, regardless of any subsequent increase in the investment amount in the second (2nd) month (see Illustration B). 

      Month	Investment counter	Investment Amount S$	Cashback
      April 2026	Tencent HK SDR 10to1	S$620	S$10
      May 2026	Tencent HK SDR 10to1	S$600

      *This example should not be considered as financial advice. 

      Customers can increase their investment amount at any time; however, the cashback will be calculated based on the first month's investment amount only. For example, if you invest S$200 in the first month, then S$600 in the second month, your cashback will still be S$10. 
   4. For avoidance of doubt, where a customer invests S$200 in the first month and increases the investment amount to S$600 in the second month, the cashback will be calculated based on the S$200 in
7. The ‘Promotion’ will consist of: 
   
   • A Cashback that will be processed approximately 30 working days after completing the consecutive two-month subscription period with successful GIRO deduction.  
8. To be eligible for the Cashback during the promotion period (“Eligible Customers”): 
   1. Existing SBP Customers: 
      `
      • Customers already subscribed into any of the eligible HK SDR counters, will qualify for the Cashback when they invest at least S$200 in incremental fresh funds* in the eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.
      • Customers not yet subscribed to eligible HK SDR counters, will qualify for the Cashback after subscribing to at least S$200 per month in any of the eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.

        *Change of investment instructions between the HK SDR selected counters will not be considered as fresh funds; and will not qualify for the promotion.  

        Fresh Fund: Refer to the newly deposited investment amount into the SBP account during the promotion period. 

   2. New SBP Customers: 
      •   Customers who are new to SBP, will qualify for the Cashback after subscribing to at least S$200 per month in any of the eligible HK SDR counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period. 
9. Promotion Details 

   Period of Promotion	T&Cs		Cashback	Eligible Counters	Eligible Counters
   01 April 2026 – 30 June 2026	New to SBP S$200 Subscription into any of the HK SDR eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Existing SBP Customers S$200 of fresh funds* into the HK SDR eligible counters for two consecutives months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Two consecutive months subscription	Get S$10 Cashback for 2 consecutive S$200 per monthly subscription into any of the eligible counters during the promotion period. Eligible customer is allowed a maximum Cashback of S$50 for each SBP account during the promotion period.	Bank of CN HK SDR 1to1 Alibaba HK SDR 5to1 BYD HK SDR 10to1 HSBC HK SDR 5to1 Tencent HK SDR 10to1 MEITUAN HK SDR 5to1 PING AN Insurance HK SDR 2to1 XIAOMI HK SDR 2to1 JD HK SDR 10to1 PETROCHINA HK SDR 1to2 SMIC HK SDR 5to1 CATL HK SDR  30to1 Pop Mart HK SDR 20to1 Laopu Gold HK SDR 50to1 Trip.com HK SDR 50to1 Baidu HK SDR 10to1 China Mobile HK SDR 5to1 Zijin Gold HK SDR 10to1

   *Change of investment instructions between the HK SDR selected counters will not be considered as fresh funds; and will not be eligible for the promotion. 
   Fresh Fund: Refers to newly deposited investment amounts into the SBP account during the promotion period. 
   Eligible Customer: Eligible for the promotion 
   • To participate in the Cashback promotion, customers must invest at least S$200 per month into any of the eligible counters for two consecutive months with successful GIRO deduction, as shown in the table above. 
   • Eligible customer is allowed a maximum Cashback of S$50 for each SBP account during the promotion period. 
   • Existing SBP customers must invest at least S$200 using incremental fresh funds* in any of the eligible counters for two consecutive months with GIRO linkage. 
   • New Customers must submit the SBP Online Form and apply eGIRO during the promotion period. 
   • The investment transaction must be successfully made before the 18th of each month or the next business day if the 18th falls on a non-business day during the promotion period. 
   • The Cashback will be credited into the eligible customers’ SBP ledger approximately 30 working days after completing the consecutive two-month subscription period. 
   • Failed GIRO deductions during the consecutive two month subscription period will result in disqualification from Cashback eligibility. 
   • If an eGIRO for a new account is rejected, resubmission is allowed, but approval must be completed within the Promotion Period. 
   • Existing customers who are eligible for the promotion and wish to update their GIRO linkage must apply via eGIRO. 
   • Existing customers who update their GIRO linkage and experienced a failed GIRO deduction or pending approval or using paper GIRO during the promotion period will not be eligible for the promotion. 
   • Please note that paper GIRO submission not available for the promotion. 
   1. For existing customers who are already subscribed to any eligible HK SDR counters, only fresh funds will be considered. 
      • Example: If Customer A has already subscribed S$200 before the promotion period and invests incremental fresh funds of S$200 during the promotion period, the calculated invested amount will be S$200 for the fresh fund only. 
   2. Each customer is eligible to use multiple POEMS accounts to apply for SBP and participate in the promotion. 
      • Example: Customer A has more than one POEMS account that has an existing SBP; he/she is allowed to use all the POEMS accounts with SBP subscription to participate. However, the minimum monthly investment requirement (S$200) applies to each POEMS account with SBP subscription separately and cannot be combined across accounts. It is essential to ensure that each account fulfills the terms and conditions of the promotion to qualify. We will only consider accounts that meet the specified terms and conditions. 
10. Cashback

    Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
    April 2026	Tencent HK SDR 10to1	S$200	Two consecutive months	S$10
    May 2026	Tencent HK SDR 10to1	S$200

    *This example should not be considered as financial advice. 

    Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
    April 2026	Tencent HK SDR 10to1	S$100	Two consecutive months	S$10
    	BYD HK SDR 10to1	S$100
    May 2026	Tencent HK SDR 10to1	S$100
    	BYD HK SDR 10to1	S$100

    Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
    April 2026	Tencent HK SDR 10to1	S$600	Two consecutive months	S$50
    	BYD HK SDR 10to1	S$600
    May 2026	Tencent HK SDR 10to1	S$600
    	BYD HK SDR 10to1	S$600

    *This example should not be considered as financial advice. 
    •  Please refer to examples 1,2,3,4 on the indicative Cashback amount. 
    • Eligible customer is allowed a maximum Cashback of S$50 per SBP account. 
    • The Cashback will be processed approximately 30 working days after completion of the consecutive two months subscription period.  
11. Cashback is non-transferable. The Cashback will be credited into the eligible customers’ SBP ledger approximately 30 working days after completing the consecutive two-month subscription period with GIRO. If the customer terminates their SBP account before the Cashback is credited, the customer will not be eligible for the promotion. Should the Cashback be unavailable for any reason whatsoever, PSPL reserves the right for final decision.  
    1. In the event that the Customer submits SBP Termination Form before the cashback is credited, PSPL reserves the right, at its sole discretion, to forfeit and/or cancel the cashback, and no cashback shall be payable.
    2. Customers are deemed to have read, understood, and accepted these Terms & Conditions. PSPL shall have no obligation to notify or remind Clients regarding cashback eligibility, status, or crediting upon receipt of the SBP Termination Form. 
12. Customers should read the Terms and Conditions before participating in the promotion. 
13. The first 100 SBP accounts that fulfill all terms and conditions will receive the Cashback. PSPL has the absolute discretion to exclude any otherwise eligible customer from participating. This promotion is on a first-come, first-served basis. The first 100 customers will be determined based on meeting all required criteria stated in the Terms & Conditions. If more than 100 customers fulfil the Terms & Conditions, only the first 100 qualifying accounts will be eligible for Cashback, and PSPL reserves the right to disqualify any subsequent qualifiers. 
14. Eligible customer will receive an email from rsp@phillip.com.sg approximately 30 working days after completing the consecutive two months subscription period (based on the last known contact information in PSPL’s records) regarding Cashback information. Eligible customers can check the Cashback transaction in their SBP monthly statement. PSPL reserves the right to replace any disqualified customer. PSPL has the absolute discretion to exclude any otherwise eligible customer from participating in the promotion. 
15. The following persons are not eligible for this promotion, unless approved by the management of PSPL: 
    1. PSPL institutional Customer(s) and corporate Customer(s) 
    2. PSPL account holders whose accounts have been suspended, cancelled or terminated 
    3. PSPL and its associated entities and subsidiaries (direct or indirect), e.g., Staff, Trading Representatives and Financial Adviser Representative 
16. PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all customer 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 decision on all matters relating to the promotion is final and binding on all customers.
17. By participating in the Cashback promotion, customer agree and consent to allow PSPL to use their name, or likeness in all matters related to this Cashback promotion including any advertising or publicity without additional compensation or notification. 
18. By taking part in this promotion, you acknowledge that you have read, understood and consented to these Terms and Conditions. 
19. This promotion is subject to PSPL’s standard terms and conditions of business, where applicable, and PSPL reserves the right at its absolute discretion to determine Customer(s)’ entitlement for the promotion, to amend the terms and conditions of, and/or to suspend or terminate this promotion without prior notice or liability to any person. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, PSPL reserves the right to make the final decision. 

Disclaimer :

• This promotion is intended for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units in any fund and the income from them may fall as well as rise. Past performance figures as well as any projection or forecast used in this promotion are not necessarily indicative of future or likely performance of any fund. Any opinion or view herein is made on a general basis and is subject to change without notice. You may wish to obtain advice from a financial adviser before making a commitment to purchase any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you. SBP is a Regular Savings Plan and is not a deposit and not principal protected nor a capital guaranteed plan.
• Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the shares and the income from them may fall as well as rise. Past performance is not necessarily indicative of future performance. Investments in Regular Savings Plan are designed to produce returns over the medium to long term and are not suitable for short-term speculation.
• Any opinion or view herein is made on a general basis and is subject to change without notice. 
• You may wish to obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase any of the investment products mentioned herein. In the event that you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement. 
• The information is correct as at the date of print and the company reserves the right to revise the charges. 
  
  
• This advertisement has not been reviewed by the Monetary Authority of Singapore. 

Subscribe to Hong Kong Singapore Depository Receipts (HK SDR) via the Share Builders Plan and receive Cashback

OPEN AN ACCOUNT NOW

Receive S$10 Cashback* for every S$200 fresh funds invested per month over two consecutive months in eligble HK SDR (capped at $50)

Monthly Investment Amount	Total for 2 months	Investment Period	Cashback*	Eligible Counters
S$200	S$400	2 consecutive months subscription	S$10	All selected HK SDR Counters (Please refer the counter list on below)
S$400	S$800		S$20
S$600	S$1200		S$30
S$800	S$1600		S$40
S$1000	S$2000		S$50

SUBSCRIBE NOW

 The promotion is limited to the first 100 SBP accounts.
Eligible customers who invest a minimum of S$200 per month in selected HK SDR via GIRO for two consecutive months will receive S$10 cashback*, credited to their Share Builders Plan (SBP) Ledger, subject to a maximum cashback cap of S$50. 

Sign up for the Share Builders Plan (SBP)

If you have yet to open a POEMS Account, open one here. 
If you are an existing POEMS Account holder, simply follow these instructions: 

via POEMS Mobile 3 app

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Subscribe via here

 

Set Up eGIRO for Recurring Investments

via POEMS Mobile 3 app

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Go to Acc Mgmt > Online Forms > Account Application > GIRO > Select SBP (Account no.) > Choose Bank > Apply

Payment

Eligibility

Based on successful GIRO deduction (regardless of whether GIRO was set up via paper or eGIRO). 

Submission

All new GIRO setups and GIRO updates must be done via eGIRO through POEMS during promotion period. 

Invest a minimum of S$200*per month in any of the eligible HK SDR for two consecutive months with successful GIRO deduction to qualify for the S$10 cashback* 

Existing SBP Customers

Customers who are already subscribed

to any of the HK SDR eligible counters will only qualify for the cashback when investing an additional S$200 or more in fresh funds* in these counters; for two consecutive months with successful GIRO deduction. 

Customers who are not yet subscribed

to any of the HK SDR will qualify for the cashback after subscribing to at least S$200 per month in any of the eligible counters; for two consecutive months with successful GIRO deduction. 

New SBP Customers

Customers who are new to SBP will qualify for the cashback after subscribing and investing at least S$200 per month into any of the HK SDR eligible counters; for two consecutive months with successful GIRO deduction. 

Customers who are new to SBP will qualify for the cashback after subscribing and investing at least S$200 per month into any of the HK SDR eligible counters; for two consecutive months with successful GIRO deduction. 

S/N	Counter Name	Counter Name on Website
1	Bank of CN HK SDR 1to1	Bank of CN HK SDR 1to1
2	Alibaba HK SDR 5to1	Alibaba HK SDR 5to1
3	BYD HK SDR 10 to 1	BYD HK SDR 10to1
4	HSBC HK SDR 5to1	HSBC HK SDR 5to1
5	Tencent HK SDR 10to1	Tencent HK SDR 10to1
6	MEITUAN HK SDR 5to1	Meituan HK SDR 5to1
7	PING AN Insurance HK SDR 2to1	Ping An Ins HK SDR 2to1
8	XIAOMI HK SDR 2to1	Xiaomi HK SDR 2to1
9	JD HK SDR 10to1	JD HK SDR 10to1
10	PETROCHINA HK SDR 1to2	PetroCN HK SDR 1to2
11	SMIC HK SDR 5to1	SMIC HK SDR 5to1
12	CATL HK SDR  30to1	CATL HK SDR 30to1
13	Pop Mart HK SDR 20to1	POP MART HK SDR 20to1
14	Laopu Gold HK SDR 50to1	Laopu Gld HK SDR 50to1
15	Trip.com HK SDR 50to1	Trip.com HK SDR 50to1
16	Baidu HK SDR 10to1	Baidu HK SDR 10to1
17	China Mobile HK SDR 5to1	CN Mobile HK SDR 5to1
18	Zijin Gold HK SDR 10to1	Zijin Gld HK SDR 10to1

* Counters not listed above will not be eligble for the promotion

How It Works?

1. Minimum investment

Eligible Customers must invest a minimum of S$200 fresh funds per month for two consecutive months with successful GIRO deduction into any of the eligible counters listed in the table above.

2. Transactions Date

The investment transaction must be made before the 18th day of each month (or the next business day if the 18th falls on a non-business day) during the promotion period.

3. Cashback

There is a Cashback cap of S$50 per account. 

4. Processing Time

The Cashback will be processed approximately 30 working days after completion of the consecutive two-month subscription period with successful GIRO deduction. .

GET STARTED

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$200	Two consecutive months	S$10
May 2026	Tencent HK SDR 10to1	S$200

*This example should not be considered as financial advice.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$1200	Two consecutive months	S$50
May 2026	Tencent HK SDR 10to1	S$1200

*This example should not be considered as financial advice.
Note: There is a Cashback cap of S$50 per account.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$100	Two consecutive months	S$10
	BYD HK SDR 10to1	S$100
May 2026	Tencent HK SDR 10to1	S$100
	BYD HK SDR 10to1	S$100

*This example should not be considered as financial advice. 

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$600	Two consecutive months	S$50
	BYD HK SDR 10to1	S$600
May 2026	Tencent HK SDR 10to1	S$600
	BYD HK SDR 10to1	S$600

*This example should not be considered as financial advice. 

Period of Promotion	T&Cs		Cashback	Eligible Counters	Eligible Counters
01 April 2026 – 30 June 2026	New to SBP S$200 Subscription into any of the HK SDR eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Existing SBP Customers S$200 of fresh funds* into the HK SDR eligible counters for two consecutives months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Two consecutive months subscription	Get S$10 Cashback for 2 consecutive S$200 per monthly subscription into any of the eligible counters during the promotion period. Eligible customer is allowed a maximum Cashback of S$50 for each SBP account during the promotion period.	Bank of CN HK SDR 1to1 Alibaba HK SDR 5to1 BYD HK SDR 10to1 HSBC HK SDR 5to1 Tencent HK SDR 10to1 MEITUAN HK SDR 5to1 PING AN Insurance HK SDR 2to1 XIAOMI HK SDR 2to1 JD HK SDR 10to1 PETROCHINA HK SDR 1to2 SMIC HK SDR 5to1 CATL HK SDR  30to1 Pop Mart HK SDR 20to1 Laopu Gold HK SDR 50to1 Trip.com HK SDR 50to1 Baidu HK SDR 10to1 China Mobile HK SDR 5to1 Zijin Gold HK SDR 10to1

*Change of investment instructions between the HK SDR selected counters will not be considered as fresh funds; and will not be eligible for the promotion.

Fresh Fund: Refers to newly deposited investment amounts into the SBP account during the promotion period.
Eligible Customer: Eligible for the promotion

Terms and conditions

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FAQ

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