You can fund your Unit Trust purchases on FSM Global using Cash, CPF, or SRS, depending on the fund's eligibility.

1. Cash Payments (Requires Prefunding) To buy funds using cash, you must first top up and prefund one of your available "parking facilities." Your order will draw directly from these balances:

• FSM Global Multi-Currency Cash Account
• FSM Global Auto-Sweep Account
• Amova Short Term Bond SGD (Formerly Nikko AM Shenton ShortTerm Bond Fund)

2. CPF & SRS Payments For CPF (Ordinary or Special Account) and SRS investments, you do not need to manually transfer funds to FSM Global.

• Link your account:
  • Go to Account Settings > Linked Payment Methods & Services > Link CPFIS Account OR Link SRS Account Details to update your investment account.
• Place your order:
  • Select CPF-OA, CPF-SA, or SRS as your payment method at checkout.
• Automatic settlement:
  • FSM Global will automatically handle the withdrawal with your agent bank or the CPF Board.

For more details on how to make cash payments, click here.

You may use your CPF-OA or CPF-SA funds to invest in eligible products available under the CPF Investment Scheme (CPFIS), such as Unit Trusts, stocks, and ETFs.

For CPF-SA investments, please update your CPF Account Number (usually your NRIC number) via Account Settings > Linked Payment Methods & Services > Link CPFIS Details. Once updated, you will be able to select CPFIS-SA as the payment method for eligible investments.

For CPF-OA investments, you must first open a CPF Investment Account with DBS, UOB, or OCBC (CPF agent banks). After opening the account, update the following details via Account Settings > Linked Payment Methods & Services > Link CPFIS Details:

• CPF Investment Account No. provided by your CPF agent bank

Once updated, you will be able to select CPF-OA as the payment method for eligible investments., and we will liaise with your CPF agent bank for payment processing.

Important Note:
CPF members can only invest CPF savings in excess of the following amounts:
First S$20,000 in CPF Ordinary Account (OA)
First S$40,000 in CPF Special Account (SA)

You may use your Supplementary Retirement Scheme (SRS) funds to invest in eligible investment products available under the SRS scheme, such as Unit Trusts, stocks, and ETFs.

To invest using SRS funds, you must first open an SRS account with one of the participating banks DBS, UOB, or OCBC (SRS agent banks). After opening your SRS account, please update your SRS details via Account Settings > Linked Payment Methods & Services > Link SRS Details

Once your SRS details have been successfully updated, you will be able to select SRS as the payment method for eligible investments.

Important Notes:

• Only investments eligible under the SRS scheme can be purchased using SRS funds.
• SRS investment transactions are subject to the respective bank’s processing and settlement timelines.
• Please ensure that you have sufficient available balance in your SRS account before placing your order.

The payment reference for recipient will be your FSM Global Investment Account number. Your Investment Account number starts with "P" and is followed by 7 numbers. Example: P0123456

Your payment will be deposited into your SGD Cash Account by default.

Reference Tracking: Our system scans the Recipient Reference field for your unique "P" account number to automatically route the funds.

Name-Matching Safeguard: As a regulatory safety check, the name on your bank account must exactly match your FSM Global account name. We do not accept third-party deposits (*besides from direct relationship), so your funds cannot accidentally be credited to someone else.

*Additional proof needed for direct relationship third-party deposits. 

Yes. You will receive an email notification the moment your funds are successfully credited.

Estimated Processing Times:

• FAST / PayNow: Same day* (Processed instantly unless under system maintenance).
• Bill Payment: Next business day (If submitted before your bank's cut-off time).
• Cheque (via Post): A few business days to arrive and process.

*Conditions Apply

• You must include your "P" account number in the payment reference.
• The bank account name must exactly match your FSM Global account name.
• Except during system maintence period.
• No outstanding orders under processing/pending transactions.

Yes. FSM Global supports 11 foreign currencies in addition to SGD:

• USD, HKD, CNH, EUR, GBP, AUD, CAD, JPY, HKD, NZD, and CHF.

How to deposit foreign currencies:
You do not need to submit a deposit order manually. All incoming foreign currency transfers are automatically detected and credited directly into your respective multi-currency cash account.

1. Log in to your FSM Global account.
2. Go to Cash Solutions > Deposit (Top-up Instructions).
3. Select your desired foreign currency to view the Telegraphic Transfer (TT) bank details and instructions.

Important Reminders:
Payment Reference: You must include your FSM Global Account Number (e.g., P0123456) in the bank's transaction reference field to avoid processing delays.
Bank Charges: The payer must bear all applicable bank intermediary and remittance fees.
Name Matching: The name on your sending bank account must exactly match your FSM Global account name.

Currently, we only accept cheques issued in SGD and USD, provided the cheque is issued by a bank located in Singapore and can be cleared locally.

We do not accept cheques in any other foreign currencies for fund purchases or account deposits.

Alternative Option:
If you wish to fund your account or invest using other foreign currencies (such as HKD, AUD, GBP, EUR, etc.), please use Telegraphic Transfer (TT) instead. You can find the specific TT bank details by logging into your dashboard and navigating to Cash Solutions > Deposit (Top-up Instructions).
Note for USD Cheques: The cheque must be from a Singapore-based bank branch (e.g., DBS, OCBC, UOB, HSBC Singapore) so that it can be processed through the local clearing system. Overseas bank cheques cannot be accepted.