With Syfe, your reward is decided by one number: your first one-time funding. Top up later and the tier does not move. Here is how to apply the code, pick the deposit that fits, and hold it long enough to keep the fee waiver or cash credit.

There is no Wise referral code to type in. The gift follows the invite link, and it applies itself to your very next transfer. Here is the order that keeps it, why the fee-free transfer beats the free card in Singapore, and the 30-day rule if you already signed up.

The Trip.com S$68 welcome pack only reaches new accounts that use the referral link or code at registration. Install the app first and sign up, and there is no way to add it afterwards. Here is the order that keeps the pack, where to find the codes and how to use them.

Tiger Brokers’ rewards depend on three things most people get wrong: entering the code before registration ends, making the first deposit the full amount, and holding it long enough. Here is the order that keeps every reward, with the deposit tiers and hold periods in one table.

Klook only recognises a referral made through its invite link, so registering first and hunting for a code box later costs you the S$5. Here is the order that works, where the promo code hides in your account, and when a bank code beats it.

Signing up to ShopBack with a referral code earns nothing on its own. The S$5 only unlocks after S$10 of confirmed Cashback, and that is the step that catches most people out. Here is the order that gets you there inside 180 days.

There is no YouTrip referral code to type in — the S$5 follows the link you open before installing the app. Install YouTrip first and the bonus is gone. Here is the exact order that keeps it, and the S$1 top-up most guides get wrong.