🎁 POEMS Referral Link: Up to S$200 Stock Coupons (Valid till 30 Nov 2026)

🔗 Referral link: https://www.poems.com.sg/open-an-account/?refer...
🔑 Referrer code: jWnZq

• There's no code box. Sign up through the link and check that ?referral=jWnZq is in your address bar.
  📅 Campaign extended: 1 Sep to 30 Nov 2026
  👤 Only for customers completely new to Phillip Securities

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🎉 WHAT YOU GET

• 0 commission on US stocks and ETFs for life (Cash Plus only, online trades)
• 0% sales charge on unit trusts
• Free live prices for SGX and US Asian Hours
• Free live prices for US, Malaysia, Thailand and US options (opt-in required)
• Free SGX Enhanced Market Depth until 30 Nov 2026

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💰 FUNDING REWARDS
🥈 Tier 1: Fund S$3,000 within 14 days, hold 30 days

• S$50 stock coupons (5 × S$10) + 1,000 POEMS Coins
  🥇 Tier 2: Fund S$10,000 within 14 days, hold 30 days
• S$200 stock coupons (10 × S$20) + 3,000 POEMS Coins
  🎟️ Coupon rules
• Expire 90 days after issuance
• One coupon per buy trade, SG/US markets, minimum S$100/US$100

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📝 HOW TO CLAIM

• Step 1: Sign up with the referral link
• Step 2: Choose a Cash Plus Account (the only one with 0 US commission)
• Step 3: Verify with Singpass / MyInfo
• Step 4: Opt in to SMART Park within 14 days (miss this and you lose the welcome gift)
• Step 5: Fund S$3,000 or S$10,000 within 14 days using fresh funds from your bank
• Step 6: Hold for 30 days (you can buy stocks, but don't withdraw)
• Step 7: Download and log in to POEMS Mobile 3 within 30 days
• Step 8: Submit your W-8BEN form before buying US stocks
• Step 9: Activate your coupons under Me → Rewards, then trade

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⚠️ GOOD TO KNOW

• Cash Plus holds your shares in custody with Phillip Securities, not in your own CDP account
• Cash Management links to CDP, but has no 0 US commission
• Dropping below your tier amount during the hold downgrades or voids your reward
• Tier 2 needs 10 separate buy trades to use all S$200
• Same-day SGX buys of the same counter count as one trade
• Gold bar raffle entries close on 30 Nov, and welcome coins only arrive after the 30-day hold, so new sign-ups will likely miss it
• Cash Plus fees still apply, including SGX commission, dividend handling and maintenance fees
• "Up to S$990" isn't all bankable: the realistic total is S$200 in coupons plus an optional S$50 CFD credit

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📈 OPTIONAL CFD ADD-ON

• S$50 cash credit: open a separate CFD account, fund S$3,000+ within 14 days, hold 30 days and make 3 eligible trades within 60 days
• Limited to the first 1,000 eligible accounts
• Skip this unless you understand leveraged trading

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🤝 REFER YOUR FRIENDS

• Earn S$10 US stock coupon + S$50 cash credit per referral
• Up to 10 referees, S$600 maximum
• Valid till 30 Nov 2026

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❓ FAQ
🔹 Is there a promo code box?

• No, the referral is applied through the sign-up link.
  🔹 Is there still a S$50,000 tier?
• No, Tier 2 (S$10,000) is now the top tier.
  🔹 Can I use this if I already have or once had a POEMS account?
• No, any existing or previously closed PSPL account disqualifies you.
  🔹 Can I split my deposit?
• Yes, as long as the total hits your tier within 14 days of account opening.
  🔹 Can I still get the 4% p.a. roadshow return?
• No, the roadshow ended on 1 Nov 2026.
  🔹 If I open my account on 30 Nov, can I fund it after the promo ends?
• Yes, you have 14 days from account opening.
  🔹 Can I stack this with the CFD gift?
• Yes, but the CFD account is funded separately and doesn't count towards your tier.
  🔹 Is POEMS regulated?
• Yes, Phillip Securities is licensed by MAS. Funds aren't covered by SDIC insurance, and investments can lose value.

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📖 Full guide with T&Cs and fees:
https://www.sgreferralcodes.com/poems-referral/

📌 Terms accurate as of 4 Nov 2026. Not financial advice.