A to-do list tells you what to do but never when, so the big task slides to tomorrow. A calendar full of blocks collapses at the first surprise meeting. You do not have to pick one. The system that works uses each for the job it does best.
Kris+ pays new users S$5 in KrisPay miles with a referral code, and October is its Birthday Bash month with 8 miles per dollar at 70 partners. Here is every live Kris+ promo for Singapore, why you will see both 500 and 750 miles quoted, and the 21-day rule that decides what your miles are worth.
HeyMax gives new users 200 Max Miles with a referral code, but only after one purchase that counts and a 7-day wait. Here is every live HeyMax promo for Singapore this month, what the miles are worth and which transfer bonuses are running.
Atome’s best new user deal isn’t a promo code at all. It is a S$10 voucher that only appears if you install the app through a referral link, and it has to be selected before you tap Pay. Here is every live Atome promo for Singapore this month and the mistakes that cost people the S$10.
eToro arrived in Singapore with a MAS licence in 2025, a US$1 flat stock commission and free ETF trades, including the London ETFs most Singapore investors want. The catch is the money moving in and out: every SGD deposit is converted to USD, and withdrawals cost US$5.
FSMOne, now renamed FSM Global, is the one-stop shop for Singapore investors who want SGX shares, unit trusts, bonds and monthly ETF plans in one account. Its flat S$8.80 SGX fee wins on large trades. On small trades and US stocks, it is not the cheapest.
HeyMax turns everyday spending into airline miles on top of your credit card miles. It is free and genuinely useful for vouchers and online shopping. But in June 2026 it cut 17 transfer partners, and KrisFlyer is now only reachable the long way round.
The TTX26 vouchers don’t work until you show up. Register through the invite link before 27 November, then check in at Suntec City on 28 or 29 November to activate up to S$65 in stock vouchers. Here is the order that keeps them.
You don’t need a cruise ship to get on the water in Singapore. A 40-minute river ride, a tall-ship dinner or a S$12 ferry to a beach all do the job. The trick is matching the boat to the evening you want, and knowing which tickets you can’t refund.
