How to Use an FSM Global (FSMOne) Referral Code in Singapore (2026): Step-by-Step Guide
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FSM Global, the investing platform that used to be called FSMOne, gives new accounts up to S$58 in cash through its Welcome Rewards. The rewards land in your FSM Cash Account.
Opening the account earns nothing on its own. The rewards depend on three things happening within 40 days: a net deposit of S$1,000, at least one Regular Savings Plan (RSP) that runs successfully, and a balance of S$1,000 or more on day 40.
One honest note on the referral code. FSM’s referral programme rewards the person who refers you. Your benefit is the Welcome Rewards promotion, which is open to new accounts whether or not a code is used.
This guide walks through how to sign up with the DLCuration FSM Global referral code, P0306248, and how to unlock each part of the S$58.
→ Get the FSM Global referral code and current offer
Why Most People Get the FSM Global Welcome Rewards Wrong
FSM Global is the consumer investing arm of iFAST Financial. FSMOne Singapore was rebranded as FSM Global on 12 February 2026.
Here are the mistakes I see most often:
- Skipping the RSP. The S$18 account-opening reward and the S$10 deposit reward are only paid if at least one RSP succeeds within the 40 days.
- Funding from SRS or CPF. Deposits and investments from SRS, CPFIS-OA and CPFIS-SA do not count.
- Withdrawing before day 40. Your balance across your cash account and investments must be S$1,000 or more at the end of the 40 days.
- Setting up two RSPs of the same type. Two RSPs in the same product type count once.
The principle the whole process is built on: deposit S$1,000, start at least one RSP early, and keep S$1,000 in until day 40.
What You Need Before You Start
Set aside about 15 minutes. Have these ready:
- The FSM Global sign-up link. It carries code P0306248: FSM Global sign-up link.
- Singpass. Singaporeans and PRs can use Myinfo for instant approval. Others upload documents and wait one to two business days.
- S$1,000 in cash. Not from SRS or CPF.
- A plan for an RSP. An ETF RSP starts from S$50 a month.
You must be 18 or older, and you must not have cancelled an FSM Global account in the last 12 months. US citizens and residents cannot open an account.
The Full Process: Step by Step
Step 1 — Open the Sign-Up Link (1 minute)
Open the sign-up link. It takes you to FSM Global’s personal account sign-up with the referral code in the address.
→ Open the FSM Global sign-up link
If the form shows a Referral field, check it reads P0306248.
What you end up with: a sign-up started from the link.
Step 2 — Open Your Account (5 minutes)
Sign up with Singpass Myinfo for instant approval, or manually. Opening is free and there is no minimum balance.
Your 40-day qualifying period starts on the day the account opens.
What you end up with: an open FSM Global account.
Step 3 — Deposit S$1,000 Within 40 Days (5 minutes)
Make a net deposit of at least S$1,000. It can be in instalments, and you can use the money to buy investments.
What you end up with: the S$10 deposit reward condition met.
Step 4 — Set Up at Least One RSP (5 minutes)
Start a Regular Savings Plan into Unit Trusts, ETFs or Managed Portfolios (MAPS). It must be set up and successfully deducted within the 40 days.
Each product type earns S$10:
| What You Do | Reward |
|---|---|
| Open the account | S$18 (paid only with at least one RSP) |
| Net deposit of S$1,000 | S$10 (paid only with at least one RSP) |
| RSP into Unit Trusts | S$10 |
| RSP into ETFs | S$10 |
| RSP into MAPS | S$10 |
One RSP type brings you to S$38. Two types make S$48. All three make S$58.
What you end up with: the RSP condition met, unlocking the rest.
Step 5 — Keep S$1,000 Until Day 40 (40 days)
Hold at least S$1,000 across your FSM Cash Account and investments on day 40. FSM Global credits the rewards to your FSM Cash Account within four weeks after the 40th day.
You can pause or end an RSP at no cost afterwards.
What you end up with: up to S$58 in cash.
The Full Time and Reward Breakdown
| Step | What You Do | Time | Counts Toward the Reward? |
|---|---|---|---|
| 1 | Open the sign-up link | 1 minute | Attaches the code |
| 2 | Open your account | 5 minutes | Starts the 40 days |
| 3 | Deposit S$1,000 | 5 minutes | Yes — S$10 |
| 4 | Set up an RSP | 5 minutes | Yes — unlocks S$18 + S$10, plus S$10 per type |
| 5 | Hold S$1,000 to day 40 | 40 days | Keeps the rewards |
Total: about 15 minutes of your time, plus 40 days.
Is the FSM Global Welcome Reward Worth It? Three Realistic Examples
The new ETF investor. You open an account, deposit S$1,000 and start a S$50-a-month ETF RSP. You get S$38. If you add a small MAPS RSP too, S$48.
The deposit-only saver. You deposit S$1,000 but never start an RSP. The S$18 and S$10 are not paid, and you get nothing.
The SRS investor. You fund the account only from SRS. SRS money does not count, so the rewards do not apply.
The rewards suit people who want to invest regularly in funds or ETFs. If you only want to buy individual stocks once, the RSP requirement may not fit.
What the Referral Code Cannot Do
It does not add a bonus of its own. FSM’s referral programme pays the referrer. Your reward is the Welcome Rewards promotion.
It does not replace the RSP. Without at least one successful RSP, the opening and deposit rewards are not paid.
It does not count SRS or CPF money. Only cash deposits count.
Is FSM Global Safe? What the Code Does Not Change
FSM Global is the consumer division of iFAST Financial Pte Ltd, which holds Capital Markets Services and Financial Advisers licences from the Monetary Authority of Singapore. FSM says client cash and investments are kept separate from its own assets.
The FSM Cash Account is not a savings account and is not covered by deposit insurance. Investments can lose value. This advertisement has not been reviewed by MAS, and this is not financial advice.
Tips to Get the Most From the FSM Global Welcome Rewards
Start your RSP in the first week. It must be deducted within the 40 days, and the first deduction can take time.
Pick RSPs you would keep. An ETF RSP from S$50 a month is the easiest to sustain.
Keep a buffer above S$1,000. Market drops can push investments below S$1,000 by day 40.
Check the referral field. If the code is wrong, FSM says to contact clienthelp@fsmglobal.sg.
Frequently Asked Questions
Is FSMOne the same as FSM Global?
Yes. FSMOne Singapore was rebranded as FSM Global on 12 February 2026. It is the consumer investing division of iFAST Financial Pte Ltd.
How much do I get with an FSM Global referral code?
Up to S$58 through the Welcome Rewards: S$18 for opening an account, S$10 for a net deposit of S$1,000, and S$10 for each RSP type in Unit Trusts, ETFs and MAPS, all within 40 days.
Do I need an RSP to get the FSM Global rewards?
Yes. The S$18 account-opening and S$10 deposit rewards are only paid if at least one RSP is set up and successfully deducted within the 40-day qualifying period.
When are the FSM Global Welcome Rewards credited?
Within four weeks after the 40th day of your qualifying period, into your FSM Cash Account.
Can I use SRS money for the FSM Global rewards?
No. Deposits and investments made with SRS, CPFIS-OA or CPFIS-SA do not count toward the Welcome Rewards.
Final Thoughts
The FSM Global Welcome Rewards are worth S$38 to S$58 for a S$1,000 deposit and a small RSP. That is a good return if you already want to invest regularly.
Get the order right: sign up, deposit S$1,000, start at least one RSP in your first week, and keep S$1,000 in until day 40.
→ Get the FSM Global referral code and current offer
→ Open the FSM Global sign-up link
Investing with FSM Global already? Tell me in the comments which RSP you started with.
Continue reading:
- FSM Global (FSMOne) Referral Code — Welcome Rewards
- Best Robo-Advisors in Singapore: Syfe vs StashAway vs Endowus
- How to Use a Syfe Referral Code
- All Singapore Referral Codes in One Place
Disclosure: this article contains my FSM Global referral code. If you open an account with it, FSM Global may give me reward points, at no cost to you. DLCuration is independent and is not affiliated with or endorsed by FSM Global or iFAST. Information is based on FSM Global’s Welcome Rewards Promotion terms and FAQ, checked in October 2026. Terms can change, so check them before you sign up. Investments involve risk. This is not financial advice.
