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Top 5 Fintech Companies In Singapore

Singapore stands at the forefront of global fintech innovation, boasting cutting edge digital banking solutions, seamless payment platforms and intelligent investment services. As a thriving fintech hub, the country nurtures homegrown companies revolutionizing financial technology.

This guide spotlights Singapore’s top 5 locally headquartered fintech companies, detailing their:

  • Standout features
  • Authentic user experiences
  • Transparent fee structures

From eWallets to robo advisors, discover which Singaporean fintech solutions best meet your financial needs.

Top 5 Singapore Based Fintech Companies

A Deep Dive into Our Top 5 Fintech Companies in Singapore


1) Grab Financial Group

A spin off from Southeast Asia’s super app Grab, this fintech arm offers e-wallets, BNPL (PayLater), insurance and micro investing.

Key Services

GrabPay Wallet – QR payments at hawker centers, retail stores.

GrabPay Card – Visa-powered prepaid card.

PayLater – Buy now, pay later (up to SGD 1,000 limit).

GrabInvest – Auto-invest in portfolios (from SGD 1).

Fee Breakdown

Wallet Top Up – Free (bank transfer)

PayLater Interest – 1.5% per month (late fees apply)

ATM Withdrawal – 1% fee (min SGD 1)

GrabInvest – 0.6%–1.8% annual management fee

User Reviews

Used GrabPay at 7-Eleven. Smooth and cashback rewards are great!” – Google Play (4.5/5)

PayLater is handy but risky if you overspend.” – HardwareZone Forum

Pros & Cons

Pros:

Widely accepted in Singapore/Malaysia.

No top up fees.

Earn GrabRewards points.

Cons:

High PayLater interest (18% APR).

1% bank withdrawal fee.

Website

https://www.grab.com/sg/finance


2) Singtel Dash

Launched by Singtel, Dash offers mobile payments, remittances and savings accounts with competitive interest rates.

Key Services

Dash PET – Mobile wallet for transport (SimplyGo), shopping.

Dash EasyEarn – 1.5% p.a. interest on savings.

Remittances – Send money to 8 countries (low fees).

Fee Breakdown

Wallet Top Up – Free

Remittance Fee – From SGD 1.99 (Malaysia/Indonesia)

ATM Withdrawal – SGD 2 per transaction

Savings Account – No fees (min SGD 1 deposit)

User Reviews

Best for bus/MRT rides. No need for EZ-Link!” – App Store (4.6/5)

Remit to Indonesia cheaper than banks.” – Facebook Reviews

Pros & Cons

Pros:

Integrates with public transport.

Low remittance fees.

No minimum balance.

Cons:

Limited merchant acceptance compare to GrabPay.

SGD 2 ATM fee.

Website

https://www.dash.com.sg


3) YouTrip

A Singapore based travel wallet with a prepaid Mastercard, offering zero FX fees in 150+ currencies.

Key Services

No FX markup – Interbank exchange rates.

10+ wallet currencies – Hold SGD, USD, JPY, etc.

Free ATM withdrawals – Up to SGD 5,000/month.

Fee Breakdown

Card Issuance – Free

Currency Conversion – 0% markup

ATM Withdrawal – Free (SGD 5K/mo) then 2%

Inactivity Fee – SGD 2/month (after 12 months)

User Reviews

Saved SGD 200 on JPY rates during my Japan trip!” – Facebook Reviews

App glitches sometimes but the card works flawlessly.” – Trustpilot (4.3/5)

Pros & Cons

Pros:

Best for travelers.

No annual fees.

Cons:

No physical branches.

2% ATM fee after limit.

Website

https://www.you.co


4) Endowus

Singapore’s first CPF/SRS approved robo advisor. It is offering low cost fund investing. Using diversified, low cost solutions like passive funds, it leverages technology to assist customers in optimizing their portfolios. Endowus is committed to providing all investors with clear and easy access to financial planning.

Key Services

CPF/SRS Investing – Use retirement funds for portfolios.

Fund Smart – Access institutional share classes (lower fees).

Cash Smart – Ultra low risk SGD portfolios (~2.5% p.a.).

Fee Breakdown

Investment Fee – 0.3% to 0.6% p.a.

Fund Fees – 0.1% to 0.5% p.a.

No Sales Charge – 0% upfront fees

User Reviews

Finally, a way to invest my CPF without high fees!” – MoneySmart Review

Transparent pricing and no hidden costs.” – Google Play (4.8/5)

Pros & Cons

Pros:

CPF/SRS integration.

Lower fees than banks.

Cons:

No stock trading.

High minimum (SGD 1000 for CPF).

Website

https://endowus.com


5) StashAway

StashAway is a Singapore based fintech agency that offers intelligent wealth management solutions through its digital investment platform. It is offering personalized, data driven investment portfolios designed to optimize returns while managing risk. With a user friendly interface and advanced financial algorithms, StashAway makes investing accessible to individuals and businesses alike.

Key Services

Risk adjusted portfolios – From conservative (4% p.a.) to high growth (15%+).

StashAway Simple – 3.2% p.a. SGD savings account.

Halal Investing – Syariah compliant portfolios.

Fee Breakdown

Management Fee – 0.2% to 0.8% p.a.

No Lock in – Free withdrawals

Simple Earn – No fees

User Reviews

Earned 12% returns on my high risk portfolio!” – Seedly Reviews

Simple Earn beats bank interest rates.” – App Store (4.7/5)

Pros & Cons

Pros:

Low cost ETF investing.

High liquidity.

Cons:

No CPF/SRS support.

USD portfolios have FX risk.

Website

https://www.stashaway.sg


Which One Should You Choose?

  • For daily spending → GrabPay or Dash.
  • For travel → YouTrip.
  • For investing → Endowus (CPF) or StashAway (ETFs).

Singapore’s fintech landscape continues to lead Asia’s digital finance revolution with these five homegrown innovators setting global standards. From Grab Financial’s super app ecosystem to YouTrip’s borderless payments and StashAway’s smart investing, these companies demonstrate how Singapore blends cutting edge technology with financial inclusion. Whether you are a consumer seeking seamless transactions, an investor looking for growth opportunities or simply tracking fintech trends, these market leaders offer compelling solutions. As Singapore solidifies its position as a fintech hub, these companies are not just shaping local finance. They are redefining wealth management for the digital age worldwide. The future of finance is being written in Singapore today.

Have questions about these fintech leaders in Singapore? Want us to compare specific features or dive deeper into their technologies?

Drop your requests in the comments below. We will create follow up information based on your interests!


Amit

About the Author

Amit Solanki

In his odyssey through the marketing landscapes, Amit has been a harbinger of extraordinary changes, controlling associations towards unrivaled achievement and an impressive market presence. His blog fills in as a mother lode of experiences, where he shares his significant comprehension and creative strategies, directing devotees and experts in bridling the maximum capacity of their marketing endeavors.

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