Referral – FRUGAL PENGUIN

Earn sign-up bonuses when you sign up with my referral link/code. Here are the list of apps offering them:

Wallet and Payment apps

Bank apps

Electricity

Company	Referral code	Benefit
Senoko Energy	QNA6BGN9	S$20 debate on first electricity bill

VPN

VPN Provider	Promotion
Surfshark	Get an additional 30 days of Surfshark VPN when you use my link and purchase any Surfshark plans
CyberGhost	Get an additional 30 days of CyberGhost VPN when you use my link and purchase any CyberGhost plans

Loyalty apps

Trading apps

Moomoo

Register to get Moomoo Cash Plus 5.8% p.a. Guaranteed Returns^ (valid for 30 days, earn up to S$380*)
Deposit ≥ S$3,000 & Complete 3 Buy Trades in Total, you get S$70 Stock Bundle.
Deposit ≥ S$10,000 & Complete 8 Buy Trades in Total, you get S$210 Stock Bundle.

This is for reference only. Please check the full terms and conditions here.

Insurance (ILP)

Snack by Income

To get the $20 investment credits, input the referral code when you are creating the account in the app. Then click on Portfolio, and then in the investment widget, click on start now. Below are the steps.

More info here

This is for reference only. Please check the full terms and conditions here.

Cryptocurrency Apps

Travel Booking Sites

Mobile Carrier

Mobile Carrier	Referral code	Sign up bonus
Flexiroam		200MB of free data when you sign up with my link
VIVIFI	32882837	S$2 off BINGE/Plus plan or S$4 off Share 180GB No contract plan

SEE ALSO

Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. None of the information here constitutes personal financial advice. Thank you for supporting my site!

Wallet App	Referral code	Promotion
Google Pay	958al5g	Get $3 when you opt in to Google Pay offers and rewards and make your first payment (min. $10)
Fave	FAVEISAAC311	Get $1 your first purchase with Fave
Shopback	rtiCZT	Get $5 bonus when: – you acumulate $10 of confirmed Cashback or – have $300 of fully paid PayLater orders and – add your withdrawal details to your shop back account
DBS PayLah!	ISASJF544	Get $5 from PayLah! when you sign up with my promo code
Revolut	Please fill up this form. The referral link to sign up is in the form.	Get 55 SGD from me when you: – Sign up using my referral link -Verify your identity on the Revolut app and pass their KYC – Order the physical card (Free) – Make 3 separate purchases of at least 10 SGD each with the virtual or physical card (only genuine purchases, transfers, gambling, gift cards, ezlink, etc. are NOT valid)zz – Complete the actions by 23 January 2024 Note that this promotion is targeted for users residing in Singapore. The cash bonus will be credited via PayNow only when the reward has been credited to me.
YouTrip	Sign up using this referral link	Get S$5 credit from YouTrip when you make your first top-up
Wise	Sign up using the referral link.	Get a fee-free transfer of up to SGD 900 when you sign up with my link.
KrisPay	S854469	Get 750 miles (worth $5) when you sign up with my referral code and spend a minimum of S$3 on your first purchase
Max Card	Click on this referral link	A multi-linkage card that consolidates all your existing credit cards to select the card that gives the best rewards when you make payment. Set to be released later this year, sign up using my referral link to be on the wait list and get 1000 Max Miles when you are the first 10k people to sign up

Bank app	Referral code	Promotion
Trust Bank	V4859EJ3	Get a S$10 FairPrice E-Voucher on top of the S$25 FairPrice E-Voucher given after your first purchase when you sign up with my referral code
Standard Chartered	63FB4	Applicable for new-to-bank customers who sign up for a JumpStart or Bonus$aver account: Get S$40 from me when you successfully sign up for one of the accounts using my referral code. Campaign period: Now ~ 29th Feb Here are the steps: Visit the SC Singapore (SG) website: https://www.sc.com/sg/promotions/referral-signup/ Click on “Referral Sign Up” located on the homepage or navigation menu Key in my referral code when applying for a product: 63FB4 Sign up for any of the products listed (E.g., Bonus$aver, JumpStart, etc.) Submit the form – https://forms.gle/LcJHhtDcCsgS6bA2A Receive $40 PayNow bonus from me upon fulfilment

Loyalty	Referral code	Promotion
Suntec+	2D621236	Get 2000 points (worth $2) when you sign up and make your first purchase
Donki	ESZ-585356	Get 10 dMiles when you sign up with my referral code/link for the Don Don Donki member app

Trading App	Referral Code	Sign-up gift	End
Moomoo	N75PA86M	Get up to S$280 + 5.8% cash plus yield (Refer below for more information)	23 January 2024 11:59pm
Webull	Click on the link <	Get up to 25 shares each between USD 3 – 500	31 January 2024 3:59pm

App	Referral Code	Sign up gift
Snack by Income	SER1525	$20 eCapitaLand voucher

Trading App	Referral code	Sign up bonus
Gemini	lye6eaycn	Get USD$10 worth of BTC when you buy or sell USD$100
Crypto.com	mrwykyydvt	Get USD$25 when you lock up for a Ruby card and above (S$500 worth of CROs)