{ "schemaVersion": 1, "freshnessDays": 14, "timezone": "Asia/Singapore", "verificationMeaning": "checkedAt verifies cited public programme terms or prices, not redemption of the owner-supplied code. Compare recheckAfter and expiresAt with the current time; null expiry means unknown, not permanent validity.", "categories": [ { "id": "electricity", "name": "Electricity", "description": "Power for your new place.", "order": 0, "collapsed": false }, { "id": "mobile", "name": "Mobile", "description": "A local number, data, and room to roam.", "order": 1, "collapsed": false }, { "id": "broadband", "name": "Broadband", "description": "Get your home connected.", "order": 2, "collapsed": false }, { "id": "investing", "name": "Investing", "description": "A starting point for understanding investment platforms.", "order": 3, "collapsed": false }, { "id": "banking", "name": "Banking", "description": "Everyday accounts and cards.", "order": 4, "collapsed": false }, { "id": "other", "name": "Other", "description": "A few more referrals, beyond Singapore.", "order": 7, "collapsed": true } ], "providers": [ { "id": "geneco", "name": "Geneco", "categoryId": "electricity", "description": "Electricity, sorted.", "reason": "Fixed electricity rates make it easier to budget. Compare the rate with the length of your lease before choosing a contract.", "website": "https://www.geneco.sg/residential/electricity-plans/", "referralCode": null, "referralUrl": null, "promoCode": null, "codeSource": "owner", "published": true, "order": 0, "accent": "green", "providerId": "geneco", "pricing": { "summary": "From 29.00¢/kWh incl. GST", "checkedAt": "2026-10-09T00:02:11Z", "sourceUrls": [ "https://www.geneco.sg/residential/electricity-plans/" ], "issue": "No no-contract plan was listed in the live table when checked. A separate day/night plan is not included in this flat-rate comparison.", "plans": [ { "name": "Get It Fixed 24", "amount": 0.29, "unit": "SGD/kWh", "contractMonths": 24, "rateType": "fixed", "gst": "included", "intro": null, "notes": [ "Limited to the first 1,000 sign-ups. Confirm availability at checkout.", "At 400 kWh/month: S$116.00 in consumption charges, before rebates and optional add-ons." ], "mandatoryFees": [] }, { "name": "Get It Fixed 12", "amount": 0.31, "unit": "SGD/kWh", "contractMonths": 12, "rateType": "fixed", "gst": "included", "intro": null, "notes": [ "At 400 kWh/month: S$124.00 in consumption charges, before rebates and optional add-ons." ], "mandatoryFees": [] }, { "name": "Give Us A Try", "amount": 0.31, "unit": "SGD/kWh", "contractMonths": 6, "rateType": "fixed", "gst": "included", "intro": null, "notes": [ "At 400 kWh/month: S$124.00 in consumption charges, before optional add-ons.", "Promotion and referral codes do not apply." ], "mandatoryFees": [] } ], "recheckAfter": "2026-10-23T00:02:11.000Z" }, "referral": { "recipientBenefit": "S$20 electricity bill rebate on eligible online sign-ups.", "referrerBenefit": "S$20 electricity bill rebate for a qualifying referral.", "checkedAt": "2026-10-09T00:02:11Z", "expiresAt": null, "sourceUrls": [ "https://www.geneco.sg/residential/refer-a-friend/" ], "conditions": [ "Online sign-ups only. Give Us A Try and Get It 7 To 7 are excluded.", "The owner has not added a personal referral code yet." ], "steps": [ "Choose an eligible plan.", "Enter the owner’s referral code in the referral field when one is available." ], "issue": null, "recheckAfter": "2026-10-23T00:02:11.000Z" }, "pageUrl": "https://singapore-starter.pages.dev/providers/geneco/" }, { "id": "vivifi", "name": "VIVIFI", "categoryId": "mobile", "description": "A local line with room to roam.", "reason": "SIM-only plans keep the monthly cost straightforward. Regional roaming allowances are useful if you travel around Asia.", "website": "https://www.vivifi.me/", "referralCode": null, "referralUrl": null, "promoCode": null, "codeSource": "owner", "published": true, "order": 1, "accent": "blue", "providerId": "vivifi", "pricing": { "summary": "From S$7.70/month advertised", "checkedAt": "2026-10-09T00:02:11Z", "sourceUrls": [ "https://www.vivifi.me/" ], "issue": "The public listing does not establish GST treatment or one-off charges.", "plans": [ { "name": "Roam Value", "amount": 7.7, "unit": "SGD/month", "contractMonths": 0, "rateType": "not-applicable", "gst": "unverified", "intro": null, "notes": [ "200 GB local 4G data; 300 minutes and 100 SMS.", "Confirm GST and any SIM or activation charges before ordering." ], "mandatoryFees": [] }, { "name": "VIBE 5G+", "amount": 11, "unit": "SGD/month", "contractMonths": 0, "rateType": "not-applicable", "gst": "unverified", "intro": { "amount": 1, "months": 3, "eligibility": "Selected port-ins only; check eligible networks with VIVIFI.", "expiresAt": null }, "notes": [ "600 GB local 5G+ data.", "The introductory price is only for selected number transfers; a new number may not qualify.", "Confirm GST and any SIM or activation charges before ordering." ], "mandatoryFees": [] } ], "recheckAfter": "2026-10-23T00:02:11.000Z" }, "referral": { "recipientBenefit": null, "referrerBenefit": null, "checkedAt": null, "expiresAt": null, "sourceUrls": [ "https://help.vivifi.me/hc/en-us/articles/360047320734-Guide-to-purchase-VIVIFI-Lite-Plus-Roam-Asia-Super-5G-Roam-MY-Super-Vibe-Roam-Value-Plan-New-Line-Port-In" ], "conditions": [ "A personal code and both parties’ benefits still need to be added and verified." ], "steps": [ "Choose a plan and follow the provider’s sign-up steps.", "Use the referral-code field when a personal code is available." ], "issue": "Referral benefits have not been verified.", "recheckAfter": null }, "pageUrl": "https://singapore-starter.pages.dev/providers/vivifi/" }, { "id": "myrepublic", "name": "MyRepublic", "categoryId": "broadband", "description": "Home internet, up and running.", "reason": "A range of home broadband plans, with discounted options through Friends with Benefits. Check installation charges and router needs before ordering.", "website": "https://myrepublic.net/sg/fwb-friends-referral/", "referralCode": null, "referralUrl": "https://order.sg.myrepublic.net/broadband?referralCustomerId=C1355868", "promoCode": "FWB", "codeSource": "owner", "published": true, "order": 2, "accent": "orange", "providerId": "myrepublic", "pricing": { "summary": "FWB broadband from S$32.99/month", "checkedAt": "2026-10-09T00:02:11Z", "sourceUrls": [ "https://myrepublic.net/sg/fwb-friends-referral/" ], "issue": "Contract duration and GST treatment are not established by the referral page. Confirm the full quote before ordering.", "plans": [ { "name": "10Gbps Broadband · FWB", "amount": 32.99, "unit": "SGD/month", "contractMonths": null, "rateType": "not-applicable", "gst": "unverified", "intro": null, "notes": [ "Advertised usual subscription: S$35.99/month.", "FWB offer includes a S$250 router discount; router purchase is optional." ], "mandatoryFees": [ "Confirm installation, activation and any router charges at checkout." ] }, { "name": "HyperSpeed 10Gbps · FWB", "amount": 46.99, "unit": "SGD/month", "contractMonths": null, "rateType": "not-applicable", "gst": "unverified", "intro": null, "notes": [ "Advertised usual subscription: S$51.99/month.", "FWB offer includes a S$750 router discount; router purchase is optional." ], "mandatoryFees": [ "Confirm installation, activation and any router charges at checkout." ] } ], "recheckAfter": "2026-10-23T00:02:11.000Z" }, "referral": { "recipientBenefit": "Discounted monthly subscriptions on selected FWB broadband plans.", "referrerBenefit": "Base credit of S$2/month for 24 months (S$48 total); higher tiers depend on active referrals.", "checkedAt": "2026-10-09T00:02:11Z", "expiresAt": null, "sourceUrls": [ "https://myrepublic.net/sg/fwb-friends-referral/" ], "conditions": [ "New broadband subscriptions ordered online using the referral link and FWB promo code.", "Referral credits depend on service installation and payment of the first bill.", "The owner’s current referral tier is not known; the base reward is shown." ], "steps": [ "Open the referral link so the customer ID C1355868 is attached.", "Enter FWB in the promo-code field to reveal eligible offers.", "Review the quote and complete installation and the first bill payment." ], "issue": null, "recheckAfter": "2026-10-23T00:02:11.000Z" }, "pageUrl": "https://singapore-starter.pages.dev/providers/myrepublic/" }, { "id": "endowus", "name": "Endowus", "categoryId": "investing", "description": "A place to start investing.", "reason": "A platform for advised portfolios and fund selection, with published fees. Compare the costs and account eligibility before deciding whether it fits your needs.", "website": "https://endowus.com/", "referralCode": "H6NMZ", "referralUrl": "https://endowus.com/invite?code=H6NMZ", "promoCode": null, "codeSource": "owner", "published": true, "order": 3, "accent": "purple", "providerId": "endowus", "pricing": { "summary": "Platform fees: 0.15%–0.60%/year", "checkedAt": "2026-10-09T00:02:11Z", "sourceUrls": [ "https://endowus.com/pricing", "https://help.endowus.com/hc/en-sg/articles/360000515273-What-is-the-Endowus-Fee-and-how-is-it-calculated-SG" ], "issue": null, "plans": [ { "name": "Cash advised portfolios · below S$200,000", "amount": 0.6, "unit": "%/year", "contractMonths": null, "rateType": "not-applicable", "gst": "excluded", "intro": null, "notes": [ "S$60/year on a constant S$10,000 balance, before GST and fund-level fees." ], "mandatoryFees": [] }, { "name": "Short-term cash management", "amount": 0.15, "unit": "%/year", "contractMonths": null, "rateType": "not-applicable", "gst": "excluded", "intro": null, "notes": [ "Fund-level costs also apply and are reflected in the fund price." ], "mandatoryFees": [] } ], "recheckAfter": "2026-10-23T00:02:11.000Z" }, "referral": { "recipientBenefit": "S$20 in Endowus Fee credits.", "referrerBenefit": "S$20 in Endowus Fee credits.", "checkedAt": "2026-10-09T00:02:11Z", "expiresAt": null, "sourceUrls": [ "https://help.endowus.com/hc/en-sg/articles/360000342721-How-does-the-Rewards-Referral-Program-work-SG", "https://help.endowus.com/hc/en-sg/articles/360000512473-Does-Endowus-open-accounts-for-US-citizens-or-US-based-persons-SG" ], "conditions": [ "Invest at least S$1,000 and remain invested for at least 90 days.", "These are credits against platform fees, not cash.", "Endowus does not open accounts for US persons or US residents." ], "steps": [ "Open the invitation link or enter H6NMZ in the Rewards section of your account.", "Meet the qualifying investment and holding-period conditions." ], "issue": null, "recheckAfter": "2026-10-23T00:02:11.000Z" }, "pageUrl": "https://singapore-starter.pages.dev/providers/endowus/" }, { "id": "iherb", "name": "iHerb", "categoryId": "other", "description": "An extra referral, wherever you are.", "reason": "An online shop for supplements and everyday essentials. This referral is international, so check the offer and delivery options for your country.", "website": "https://www.iherb.com/", "referralCode": "BGQ168", "referralUrl": "https://www.iherb.com/?rcode=BGQ168", "promoCode": null, "codeSource": "owner", "published": true, "order": 4, "accent": "rose", "providerId": "iherb", "pricing": { "summary": "Prices vary by purchase", "checkedAt": null, "sourceUrls": [ "https://www.iherb.com/" ], "issue": null, "plans": [ { "name": "Shopping basket", "amount": null, "unit": "variable", "contractMonths": null, "rateType": "not-applicable", "gst": "unverified", "intro": null, "notes": [ "Delivery costs and applicable taxes depend on destination and basket." ], "mandatoryFees": [] } ], "recheckAfter": null }, "referral": { "recipientBenefit": null, "referrerBenefit": "10% in Rewards on a new customer’s order; 5% on returning customers’ orders.", "checkedAt": "2026-10-09T00:02:11Z", "expiresAt": null, "sourceUrls": [ "https://information.iherb.com/hc/en-us/articles/50355989882644-Rewards-Program-FAQ" ], "conditions": [ "Rewards are subject to the programme terms and qualifying orders.", "The recipient’s discount has not been independently verified for their country or basket." ], "steps": [ "Open the referral link or enter BGQ168 at checkout.", "Confirm the displayed discount, delivery charges and local eligibility before paying." ], "issue": "The recipient benefit needs verification; the stated percentages describe the owner’s Rewards.", "recheckAfter": "2026-10-23T00:02:11.000Z" }, "pageUrl": "https://singapore-starter.pages.dev/providers/iherb/" }, { "id": "trust", "name": "Trust", "categoryId": "banking", "description": "Everyday banking and cards.", "reason": "Trust's credit cards have no annual fee and no foreign transaction fee from Trust, making them useful to compare for everyday and overseas spending. Check the card's approval requirements and repay in full to avoid interest.", "website": "https://trustbank.sg/", "referralCode": "2F3HCUYP", "referralUrl": null, "promoCode": null, "codeSource": "owner", "published": true, "order": 4, "accent": "blue", "providerId": "trust", "pricing": { "summary": "Credit cards: S$0 annual fee", "checkedAt": "2026-10-09T01:23:29Z", "sourceUrls": [ "https://trustbank.sg/freedom-credit-card/", "https://trustbank.sg/link-credit-card/", "https://trustbank.sg/legal/trust-freedom-credit-card-key-facts-sheet/" ], "issue": null, "plans": [ { "name": "Freedom credit card · annual fee", "amount": 0, "unit": "SGD/year", "contractMonths": null, "rateType": "not-applicable", "gst": "not-applicable", "intro": null, "notes": [ "No annual card fee. This is the card fee, not the cost of borrowing.", "Foreign currency purchases use Visa exchange rates with no foreign transaction fee from Trust." ], "mandatoryFees": [ "Interest applies if you do not repay in full; check your personalised rate in the Trust app.", "Late payment fee: S$100, or S$200 if your statement includes a loan instalment.", "Cash advances over S$5 incur an 8% fee; overseas ATM operators may also charge." ] } ], "recheckAfter": "2026-10-23T01:23:29.000Z" }, "referral": { "recipientBenefit": "An eligible new credit-card signup gets a golden scratch card with cashback up to S$8,000. Choose Freedom Stockback during signup for a stock gift worth up to US$8,000 instead. Rewards vary; the maximum is not guaranteed.", "referrerBenefit": "S$50–S$8,000 cashback from a golden scratch card for an eligible credit-card referral. For a savings-account referral, I get S$8–S$1,888 cashback instead.", "checkedAt": "2026-10-09T01:23:29Z", "expiresAt": null, "sourceUrls": [ "https://trustbank.sg/refer-and-earn/", "https://trustbank.sg/freedom-credit-card/", "https://trustbank.sg/link-credit-card/" ], "conditions": [ "Be new to Trust and use the owner's referral code when signing up for an eligible credit card.", "Credit-card approval and the current campaign conditions apply. Check your residency and income eligibility with Trust before applying.", "Cashback scratch-card rewards vary. For Freedom, choosing Stockback during signup gives the new customer a stock gift in US dollars instead of cashback in Singapore dollars.", "Freedom's current signup gift is advertised until 31 October 2026. Confirm the applicable offer and its deadline in the app.", "Savings-account referrals are a separate offer. The new customer's savings-only benefit has not been verified; the credit-card gift above does not apply to savings-only signups." ], "steps": [ "Download the Trust app from the official Trust website.", "Enter 2F3HCUYP during signup, before completing an eligible credit-card application.", "Review the current referral offer and complete the required steps shown in the app." ], "issue": "The public referral page confirms the benefits but does not provide the full campaign conditions, reward odds or expiry date. Confirm these in the Trust app.", "recheckAfter": "2026-10-23T01:23:29.000Z" }, "pageUrl": "https://singapore-starter.pages.dev/providers/trust/" } ] }