USMART Signup Code 9smd: Deposit S$2,000, Trade 3× a Month, Collect S$180 — Here Is the Honest Breakdown

Been seeing a lot of questions on Seedly about whether the uSMART welcome bonus is realistic for ordinary investors — not people parking S$100k, just regular folks with a few thousand to deploy. So here is the honest answer for the S$2,000 tier specifically, using sign-up code 9smd.

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The setup in plain numbers:

• Sign up with code 9smd (or the pre-filled signup link: https://m.usmartsg66.com/promo/overseas/bonus.html?ICode=9smd&langType=3&Id=)
• Open a Standard or Intel account (not Trader — that is excluded)
• Deposit S$2,000 or more
• Complete at least 3 qualifying trades every calendar month
• Redeem your S$30 voucher from Me → Rewards Centre each month

Do that for 6 months straight and you walk away with S$180 in cash vouchers. That is an effective 9% return on your deposited capital from bonuses alone — before any market gains or losses.

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The part people miss:

The vouchers are not automatically credited. You have to actively go into Rewards Centre each month after meeting the conditions and manually redeem them. Forget to check and that month's voucher is gone — there is no carry-over.

Also important: the S$30/month tier requires that you maintain a 30-day daily average asset value at or above S$2,000 AND that your asset value on the 30th day also meets the threshold. If your portfolio value dips below S$2,000 (from market movement, not from withdrawal), it could affect eligibility for that month.

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What counts as a qualifying trade?

Any executed trade in US stocks, HK stocks, Singapore stocks, ETFs, options, or other eligible instruments with a value of at least S$0.01. A cancelled or unfilled order does not count. Three small fractional US stock purchases would satisfy it — and uSMART charges zero commission on US trades, so the trades themselves cost you the platform fee only (roughly USD 0.005 per share, min USD 1 per order on the Standard account).

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The starter vouchers on top:

Separately from the monthly package, there are 7 one-time S$2 starter vouchers for completing simple actions. One of them is just "make your first deposit (any amount)." Most people who open an account will naturally hit at least 3–4 of the 7 without trying.

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For a full audit of all deposit tiers and T&Cs (including the higher tiers I have not covered here), the DLCuration guide is the most complete reference I have found: https://dlcuration.com/usmart-referral-code.html

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The signup code is 9smd — enter it during registration, not after.

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uSMART Securities (Singapore) Pte. Ltd. (CMS101161, MAS-licensed). Not financial advice. Investments carry risk. Referral disclosure: I may receive a reward if you open an account using this code. This advertisement has not been reviewed by MAS.