8 Best Robo-Advisors in Singapore (2026)
Compare 8 robo-advisors and digital wealth platforms in Singapore, each described from its own site and the MAS Financial Institutions Directory.
- Edited by
- Amir Wahab
- Published
- Reading time
- 6 min read
AI image by LocalRankA robo-advisor builds and manages an investment portfolio for you through an app or website. This page lists eight digital wealth services that serve retail customers in Singapore, drawn from a mix of independent platforms and bank or broker offerings. We checked each provider's own website and the MAS Financial Institutions Directory for its regulatory status, and we describe each service only in general terms. The order is editorial grouping, not a ranking. We do not quote fees, returns or minimums because they change; confirm current terms, risks and product documents on the provider's site before deciding. This is a directory, not personal advice, and it does not suggest what to invest in.
1. StashAway
StashAway is a digital investment platform that its site describes as covering cash management, robo-advisory portfolios and a self-directed ETF option. The site says its portfolios are globally diversified and built from exchange-traded funds, with choices that include goal-based, thematic, ESG and Shariah-compliant options, and it accepts SRS money as well as cash. Sign-up is done online with Singpass or email, according to its site. On regulation, its footer states that StashAway is a brand of Asia Wealth Platform Pte Ltd, which it says is licensed by the Monetary Authority of Singapore, and the MAS Financial Institutions Directory lists that company as a Capital Markets Services licensee. Check the current portfolio list, costs and risk disclosures on StashAway's own pages.
2. Syfe
Syfe is a Singapore-based digital investment platform whose site lists managed portfolios alongside self-directed investing, cash management and SRS portfolios. Its managed range, as described on the site, includes core portfolios at different risk levels, thematic portfolios and income-oriented strategies, and it is available through a website and mobile apps. The footer says Syfe Pte. Ltd. is regulated by the Monetary Authority of Singapore and holds a Capital Markets Services licence, and the MAS Financial Institutions Directory lists the company as a Capital Markets Services licensee and an exempt financial adviser. Some products on the platform are not robo-managed, so read each product page carefully. Compare current terms, risk warnings and documents on the provider's own site before opening an account.
3. Endowus
Endowus describes itself as a digital wealth management platform that lets people invest across cash, SRS and CPF money in one place. According to its site, it offers curated portfolios with different objectives, including growth, income and ESG themes, and it also gives access to a wide universe of funds from global managers, so customers can build their own mix. The site says it provides access to advisers who are not paid commissions and that onboarding works through Singpass. Its footer states it is a Capital Markets Services licence holder under the Securities and Futures Act and an exempt financial adviser, which matches its entry in the MAS Financial Institutions Directory. Check current portfolio choices, costs and risks on Endowus before investing.
4. AutoWealth
AutoWealth is a robo-advisory service whose site says it builds globally diversified portfolios from unit trusts using automated technology. It lists products aimed at different purposes, including a CPF option that invests in unit trusts included under the CPF Investment Scheme, a core portfolio for essential goals, a thematic option for aspirational goals, and SRS products. The site also says clients can reach dedicated wealth managers by WhatsApp. Its footer prints a MAS licence reference for AutoWealth, and the MAS Financial Institutions Directory lists the firm as a licensed financial adviser rather than a capital markets licensee, so the regulatory category differs from some others on this page. Confirm current products, terms and risk information directly on its website.
5. Phillip SMART Portfolio
SMART Portfolio is the robo-advisory service of Phillip Securities, part of the PhillipCapital group that also runs the POEMS brokerage platform. Its site describes a proprietary algorithm combined with an in-house investment team, which structures a diversified portfolio according to the customer's risk profile and rebalances it when needed, with account opening, funding and monitoring all done online. The site refers to portfolios using unit trusts and a separate option focused on United States equities. The product page says Phillip Securities Pte Ltd is licensed by the Monetary Authority of Singapore and is a member of the Singapore Exchange, and the MAS directory lists it as a Capital Markets Services licensee. Read the current product documents and risk disclosures before applying.
6. DBS digiPortfolio
DBS digiPortfolio is the bank's hybrid robo-advisory service, accessed through DBS digibank. Its site describes ready-made portfolios that combine algorithmic management with oversight from the bank's investment team, in two forms: funds-based portfolios that DBS adjusts according to its market outlook, and ETF-based portfolios, with periodic reviews and rebalancing. The page says investing requires a DBS Wealth Management Account or other eligible account, depending on the portfolio type, and a Customer Knowledge Assessment or account review. The MAS Financial Institutions Directory lists DBS Bank Ltd as a local bank, an exempt capital markets services entity and an exempt financial adviser. This is an investment service, not a bank deposit, so read the product summary, terms and risks on the DBS site before proceeding.
7. OCBC RoboInvest
OCBC RoboInvest is the bank's digital investment service, which its site says is a collaboration between OCBC and the fintech firm Planar Investments, known as WeInvest. The page describes two kinds of portfolio: core portfolios built around different risk levels, and thematic portfolios that follow sectors or markets, with monitoring and rebalancing handled for the customer. According to the page, applicants need an existing OCBC deposit account with online banking access and must meet stated age and residency conditions. The page shows the entity as Oversea-Chinese Banking Corporation Limited, and the MAS Financial Institutions Directory lists it as a local bank, an exempt capital markets services entity and an exempt financial adviser. Check current terms and risk warnings on OCBC's own page.
8. UOBAM Robo-Invest
UOBAM Robo-Invest is a robo-advisory service from UOB Asset Management, offered through the Dash by Western Union mobile app rather than a standalone website or the main UOB app, according to its product page. The page describes two portfolio families across five risk levels: a Global portfolio, and a Global Impact portfolio that integrates ESG considerations, both using diversified allocations of exchange-traded funds and funds, with allocations reviewed by UOBAM's investment committees. The page lists its own advisory and dealing terms and says assets are held with named custodians. The MAS Financial Institutions Directory lists UOB Asset Management Ltd as a Capital Markets Services licensee and an exempt financial adviser. Check the current availability, terms and risk statements on the UOBAM page and the app.
How to choose
- Confirm the regulator status yourself. Look for a Capital Markets Services licence, financial adviser licence or exemption, or bank licence for the exact company named in the footer, then search that company in the MAS Financial Institutions Directory. A brand name can sit under a different legal entity, so match the name and the activity.
- Read how fees are structured before you compare services. Look for whether charges are a single management fee or are layered with fund costs, trading charges, foreign-exchange spreads or platform fees, and whether they depend on account size. Use the provider's own fee schedule and product documents, not a comparison table, which may be outdated.
- Understand what you actually own and who holds it. Find out whether the portfolio uses exchange-traded funds, unit trusts or other products, who selects and rebalances them, and which custodian holds the assets. Ask whether your holdings are kept separate from the provider's own money and what happens if the service closes.
- Check which money sources and account types the service accepts. Some platforms accept cash only, others also take SRS or CPF money, and joint or corporate accounts may be handled differently. Eligibility conditions such as age, residency or an existing bank account can apply, so confirm them in the sign-up terms before starting.
- Treat every portfolio as carrying risk, including loss of capital, and read the risk disclosures and product summary in full. Past performance does not indicate the future, and a robo-advisor is not a bank deposit. Test the customer support options, ask how complaints are handled, and consider speaking to a licensed adviser if unsure.
. No changes recorded since.
Founder and Editor
Amir Wahab is the founder and editor of LocalRank, an independent Singapore rankings and local guides publication.
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