USMART Referral Code 9smd: Up to S$2,000 Welcome Rewards, S$180 Easy Tier Explained (to 31 Dec 2026)

USMART referral code (November 2026): 9smd

Full disclosure, this is my own code. I reread uSMART's current Q4 terms because a few details people repeat online are out of date.

What new users get (sign up by 31 Dec 2026)

• 6 monthly cash vouchers sized by your deposit tier, up to S$1,980 in total
• 0.02 TSLA fractional share voucher once your account is open (uSMART puts it at about S$9)
• Up to S$14 in new user cash vouchers (7 × S$2 for actions like your first deposit or a SMART Order trade)

The two tiers worth looking at

• Easy: deposit S$2,000 + 3 trades a month = S$30 a month for 6 months, S$180 in total
• Best value: deposit S$10,000 + 5 trades a month = S$50 a month for 6 months, S$300 in total
• The bigger tiers (S$100,000 for S$1,200, more than S$500,000 for S$1,980) need far more capital and 8 to 10 trades a month

Things that trip people up
1. The 6 reward months start the month after you activate the package. Activate in November and your months run December to May.
2. Each month you need your trades and your tier's assets kept for 30 consecutive days. Miss a month and that voucher is gone.
3. Use each unlocked voucher by the 8th of the following month or it expires.
4. Only US stocks, new shares, HK stocks, options and US fractional shares count as trades. SG stocks don't.
5. Keep each trade at US$1 or more. The written terms say S$1, but the FAQ on the same page says US$1.
6. Choose one of the 5 package options within 90 days, or Package 1 is given automatically.
7. If you already have a uSMART SG account but have never deposited, you still count as a new user.

uSMART Securities is MAS-licensed (CMS101161) but it's a broker, not a bank, so funds aren't SDIC-insured. Check the full terms ("View Bonus Conditions" on uSMART's promo page) before you deposit. I keep the full tier table and FAQs here if it helps: https://dlcuration.com/usmart-referral-code.html

Not financial advice.