Terms & Conditions

This referral is created by Endowus HK Limited (“Endowus”). It should not and does not constitute an offer, solicitation, invitation, recommendation for buying or selling of investment products or as basis on making any investment decision, or constitute as professional advice. Participants should, before making any investment decision, understand the risks and the relevant laws, tax and accounting principles and consequences, and whether such persons can bear such relevant risks, and if necessary, should seek professional advice.

What do I need to do to participate in the promotion? 
A "Qualifying New Account" is a new individual Endowus account opened by your referee using your unique promo code, which your referee funds with “Qualifying Investment” with a minimum of either HKD10,000 or USD1,300 in accumulation of the same currency, upon which this will be considered a “Successful Referral”. Uninvested cash balance is not considered a Qualifying Investment.

Endowus Fee is charged on a quarterly basis based on their daily average total assets under advice (AUA) for the period of the fee, depending on their cash portfolio. For details, kindly refer to the fee schedule at https://endowus.com/en-hk/pricing. 

The “Endowus Fee” discount will not be issued in any other forms in case of withdrawal. For the avoidance of doubt, this does not affect your fund-level fees due to the fund manager. This offer is not transferable, may not be transferred to another person or exchanged for cash. You are responsible for any tax consequences, if any, that may result from your redemption or use of fee credits. 

Eligible referees must not maintain any account or any products or services in sole name or joint name with Endowus prior to the date of creating the account under this promotion and must not be a staff of Endowus. A referee may only use one unique promo code to sign up for a new account. This offer is available to Hong Kong residents only. Endowus reserves the right to terminate or extend this offer at any time for any reason, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any offer award if Endowus determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Endowus Platform Agreement have been violated. 

For a limited time begins from 00:00 on 6 June 2024 and ends at 23:59 on 5 July 2024, both you and your Referee will receive a doubled referral reward of HKD600 Endowus fee credit each, for every Successful Referral that completes Qualifying Investment. Do note that investment settlements will take between 1 to 5  business days to complete.

By default, the Endowus Fee Credit will be issued in HKD currency and be applicable for HKD investments only. For participants whose investments are in USD only, Endowus will net off your quarterly Endowus Fee charge directly with the valid and available Endowus Fee Credit in a USD equivalent amount.



Please send invites only to people you know personally who will be glad to get them. Referrals should only be used for personal and non-commercial purposes. Do not spam anyone with referral invitations. This includes mass emailing, texting or messaging people you do not know or using automated systems or bots through any channel to distribute your referral link. Do not pay to advertise your referral links. Endowus may send one invite and up to two reminders to each friend you invite with your name.

What else do I need to know?

1. Endowus accepts no responsibility for accounts not successfully completed due to a technical fault, technical malfunction, computer hardware or software failure, satellite, network or server failure of any kind.

2. Please note that the ability to make an investment on the platform will be contingent upon a participant successfully opening an account with Endowus. Endowus reserves the right to decline new client accounts that do not meet our know-your-customer (KYC) and funding requirements.

3. Endowus reserves the right to not allow participation by any person, at its discretion. In addition, Endowus reserves the right to disqualify any participant that is suspected of any fraudulent activity such as, but not limited to, creation of fake accounts.

4. The decision of Endowus regarding any aspect of the referral is final and binding.

5. Participants are deemed to have accepted and agreed to these terms and conditions by signing-up. Endowus reserves the right to refuse entry, or refuse to award anyone in breach of these terms and conditions.

6. Endowus reserves the right to hold, void, cancel, suspend, or amend the promotion or these terms and conditions (in whole or in part) at any time without prior notification to participants. Whilst we will always use our best endeavours to honour our promotions, events beyond our control may occur that would render the award of the promotion impossible. Accordingly, Endowus will not be liable for any loss, whether directly or indirectly suffered, as a result of an event outside of its control.
7. By entering the promotion, participants agree and acknowledge that all personal data submitted may be collected, processed, stored, disclosed or otherwise used by Endowus and its affiliates for the purposes of conducting and administering the promotion.

8. To the extent permitted by law, these Terms shall be exclusively governed by and construed in accordance with the laws of Hong Kong. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in Hong Kong.
9. This T&C has been translated into Chinese. If there is any inconsistency or ambiguity between the English version and the Chinese version, the English version shall prevail.

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Endowus welcomes you to join Endowus.

Endowus gives you access to 200+ top-performing strategies managed by leading global fund managers, with no subscription fees and 100% cashback on trailer commissions.

Enjoy HKD600 off your Endowus Fee when you sign up with code 1XR8V.
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How does Endowus work?

Pick your own funds

If it’s on our list, it has our stamp of approval. Screened and monitored for track record, strategy, fees, team, and more, access 200+ top-tier funds from 50+ global managers.

Automated advice

Take control of your target return, risk and income payouts with our multi-fund portfolios pre-optimised for your specific investment goals.

Human advice

Whether it’s about your investment goals, a specific fund, or any of your money questions, you have full access to our client advisory team, as and when you want it.

Why invest with Endowus?

Lower fees means
higher returns

Enjoy Zero subscription fees and 100% Cashback on trailer commissions.

The less you pay, the more you get to keep – it’s simply math

  • Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
  • Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
  • No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.

Lower fees means higher returns

Enjoy 0% subscription fees and 100% Cashback on trailer commissions.

The less you pay, the more you get to keep – it’s simply math

  • Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
  • Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
  • No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.

Invest like the
experts

Get access to institutional share class funds of leading global fund managers.

Expert investing, for everyone.

  • Invest in 200+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
  • Customise your portfolio according to your needs at a click of a button.

  • Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.

Invest like the experts

Get access to institutional share class funds of leading global fund managers.

Expert investing, for everyone.

  • Invest in 200+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
  • Customise your portfolio according to your needs at a click of a button.

  • Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.

Safety & security to invest with peace of mind.

Partnered with

We partner with HSBC, where your deposits are kept in a HSBC trust account (Client Money Account) and separate from Endowus’ balance sheet and operating accounts. 



This means your investable assets are segregated, no matter what happens to Endowus.
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No lending of your money or assets

Bank runs happen because banks are in the business of taking your deposits (a liability for the bank) and lending your money out to earn interest.

As a non-bank platform, Endowus offers no leverage,  does not lend out client monies or assets, and is not a custodian of your securities. Client assets are ultimately held by fund-appointed custodians.

Compliance for clients
working in finance.

(i) Endowus only offer discretionary managed third-party funds, and do not carry single stocks/bond or exchange-traded securities, satisfying most personal account dealing (PAD) requirements.

(ii) As requested, our system can automatically configure to send monthly statements to a designated reporting email address.
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