Invest

From idle cash to active returns

Get idle cash working for you. Invest in low-risk, easy-access money market funds to build returns and beat inflation.

Put your cash to work

Make the most of excess capital using our smart investment funds.

Competitive returns

Maximise returns

Put your cash to work with our smart investment opportunities and potentially earn up to ~4+% in projected returns.* With unlimited transfers, no minimum balances and no lock-in period.

Protect capital

Beat inflation

Rising inflation can erode your reserves. Protect your business’s capital by earning competitive returns – and see off inflationary pressures.

Fund management

Flexible fund management

Enjoy simple and seamless fund management, integrated within Finmo’s intuitive platform. Easily invest and monitor daily returns and balances across all currencies in one simple dashboard.

Easy access

Cash out fast

Need your funds? Simply withdraw with 2-4 business days settlement. Track your transfers in real-time and access your investments anytime.

Secure investments

Enterprise level security

Your assets are held securely with leading financial institutions. All deposits are protected by bank-grade security and risk controls.

Products

Ready‑made investments

We partner with award-winning advisors Endowus and Syfe to help you earn competitive returns.

Invest with Endowus

Endowus charges just one all-in fee, no sales fees or transactional fees, and rebates 100% of the trailer fees it receives back to you.

Endowus Cash Smart Secure (SGD)

Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best performing money market funds.

Projected Returns

1.70% - 1.90% p.a.*

Endowus Cash Smart Ultra (SGD)

Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.

Projected Returns

2.6% to 2.8% p.a.*

USD Money Market Funds

Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs.

Guaranteed Return

3.8% to 4.2% p.a.

Invest now

Get started in three simple steps

Generate excess yield on your idle cash across multiple dimensions

Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups

Assets safely held with UOB Kay Hian

Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.

Fully integrated with your Finmo account

By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo  Tech Pte Ltd.

*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform

Terms and conditions Finmo acts as an introducer to ENDOWUS SINGAPORE PTE. LTD. ("Endowus") and SYFE PTE. LTD. ("Syfe"). In return for introducing clients to Endowus and Syfe, Finmo receives a revenue share. Endowus is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") (CMS License 101051) and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Syfe is regulated by the Monetary Authority of Singapore and holds Capital Markets Services Licence No. CMS100837.

The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus. By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd.

Assets safely held with UOB Kay Hian

Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms.

Your assets are never commingled with Endowus or other entities’ assets.

*Not guaranteed. Projected yields calculated as of 7 October 2025. Yields are net of Fund-level fee and Endowus fee.

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