Comparison

Endowus vs HSBC Life SG

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Endowus

This app helps users invest and grow their wealth through personalized financial plans and access to low-cost, globally diversified portfolios. It offers a seamless digital investing experience with expert advice and institutional-grade funds.

Highlights
  • Personalized financial planning
  • Globally diversified portfolios
  • Low-cost institutional funds
  • Goal-based investing
  • Auto rebalancing & monitoring
  • 100% trailer fee cashback
Features
Read full description

Tens of thousands of clients invest and grow their savings with Endowus, in globally diversified portfolios at low cost. Start your financial journey with Endowus, and invest and grow your wealth all through the Endowus app. Build a personalised financial plan with Endowus to help you reach your wealth goals. Choose from a curated list of low-cost, best-in-class institutional funds managed by the world’s top fund managers. WHO WE ARE Endowus is Asia’s leading independent digital wealth platform. With entities licensed by the Monetary Authority of Singapore, and Securities and Futures Commission of Hong Kong, Endowus is the first digital advisor in the region to span personal savings, private wealth and public pension (CPF & SRS in Singapore), helping investors grow their money with expert advice and access to institutional financial solutions at low and fair fees, through a personalised digital wealth experience. Founded in 2017, Endowus has raised a total of US$95 million in funding from investors including global banks, venture capital firms, and some of the largest Family Offices in Asia. Endowus’ leadership and growth have been recognised by the industry and it has attained numerous awards including, Singapore’s Best Digital Wealth Management, Singapore’s Best Digital Wealth Management Experience (The Asset Triple A Digital Awards 2023), Endowus is also among the firms named in the World Economic Forum’s Technology Pioneers 2023. WHY INVEST WITH US Seamless digital investing experience: We have refreshed the Endowus app experience that is focused on greater personalisation, automation, and intuitiveness for you, as our valued client. Greater access to the best: We provide retail, accredited and professional investors with institutional access to leading global fund managers with expertise, scale and real, proven track records in implementing their investment strategies successfully over time. Qualified, expert advice: We carefully consider various aspects of your personal and financial circumstances to help you craft personalised financial plans and a path to reaching them. Speak to our client experience team for us to guide you through our platform. Fairer fees: We charge a low, all-in access fee, with no hidden charges. We also provide a 100% Cashback on trailer fees with full transparency and no conflict of interest. KEY FEATURES (Availability of features may vary based on geography.) > Goal-Based Investing: Achieve your financial dreams effortlessly. The Endowus app recommends investment solutions to suit your goals, simplifying your journey into the world of investing. > DIY Investment Selection: Explore top-tier funds with ease. Access lower cost institutional share class options for optimal returns. > Auto Rebalancing & Monitoring: Let us do the work. Our technology automates portfolio management, ensuring your investments are consistently aligned with your goals. (Only available in SG) > 100% Cashback: Enjoy unparalleled savings. Receive 100% Cashback on trailer commissions, maximising your potential returns. > Unit Trust Transfer: Transitioning is effortless. Move your existing unit trusts seamlessly to Endowus for a comprehensive investment experience. > Multi-Currency Flexibility: Think globally. Invest in multiple currencies to diversify your portfolio and explore international opportunities. GET IN TOUCH Clients love us for our digital wealth platform and our personalised human touch. Schedule a call with our team of licensed wealth experts to learn about financial planning, or just to find out more about us: For Singapore users, please contact Endowus Singapore Pte Ltd: - WhatsApp at +65 3129 0038 - Email at support@endowus.com For Hong Kong users, please contact Endowus HK Ltd: - WhatsApp at +852 3018 8978 - Email at support.hk@endowus.com By downloading this app, you acknowledge that you are a resident in Singapore/Hong Kong, excluding U.S. Persons.

About

HSBC Life SG

Manage your HSBC Life policies conveniently from your mobile device. Access policy details, submit fund switches, and contact agents or emergency services easily. The app offers intuitive navigation and quick access to your medical card and clinic information.

Highlights
  • View active policies
  • Submit fund switch requests
  • Access emergency contacts
  • Contact agents
  • View Shield medical card
  • Find panel clinics
Read full description

Welcome to the brand new HSBC Life SG mobile app! HSBC Life customers can easily access and manage their policies, anytime and anywhere.   Latest Improvements on HSBC Life: Faster, Simpler, Intuitive Navigation 1. Quick view of active policies 2. Submit a request for fund switch and/or premium re-direction 3. Get in touch with HSBC Life for all Emergency Contacts 4. Contact your agents conveniently through the app 5. Access your Shield medical card & panel clinics easily.

 Note: Some customers have reported issues while trying to login. For quicker assistance, check out the FAQ at grp.hsbc/faq or Contact Us via live chat (Mon-Fri, 9am - 5pm) on our website for assistance.

Screenshots

Endowus4 screens
HSBC Life SG3 screens

Verdict

The call

The clearest difference is rating: Endowus at 4.6 against HSBC Life SG's 4.0. Endowus also leads on update cadence (every 4 days vs every 2 weeks). HSBC Life SG's advantage is monetization model (free vs free with in-app purchases). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Endowus holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 23 and 35 respectively.

UpkeepUpdate frequency

Endowus ships an update every 4 days, HSBC Life SG every 2 weeks. Both last shipped on October 25, 2026.

Scorecard3 real differences · 7 level
Endowus versus HSBC Life SG: the parameters behind the verdict, then further details
ParameterEndowusHSBC Life SG
PriceFreeFree
Rating4.6 (23 ratings) — better4.0 (35 ratings)
Positive reviews92.5% of reviews—
Number of ratings2335 — better
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size171 MB29 MB
Age rating4+12+
DeveloperEndowus Technologies Pte. Ltd.HSBC LIFE (SINGAPORE) PTE. LTD.

Customer experience

Endowus

All ratings23 ratings
Positive87.0%
Neutral4.3%
Negative8.7%
Written reviews67 reviews
Positive92.5%
Neutral4.5%
Negative3.0%

HSBC Life SG

All ratings35 ratings
Positive74.3%
Neutral2.9%
Negative22.9%

Bugs and requests

Endowus

Reported bugs

3 issues
  • Details have to be retyped when switching screens
  • App can be cluttered with irrelevant content
  • Bug on the More section where account and preferences doesn't seem to work

Requested features

12 requests
  • Option to increase font size
  • Option to include performance net of fees
  • User-customized reordering or grouping of investments
  • Option to hide or move celebrity/influencer tiles
  • Seamless rebalancing of CPF portfolios
Show 7 more
  • iPad version of the app
  • More frequent market views and global financial landscape insights
  • Function to switch directly between portfolios
  • More user-intuitive web login interface
  • AI-driven fund filtering
  • More innovative ways to help investors filter funds
  • Bug fix for 'More' section (account/preferences not working)

HSBC Life SG

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Endowus

No in-app purchases

None

HSBC Life SG

No in-app purchases

Questions

Is Endowus free?
Endowus is free to download, with no in-app purchases.
Is HSBC Life SG free?
HSBC Life SG is free to download, with no in-app purchases.
Which has better reviews, Endowus or HSBC Life SG?
Endowus is rated higher. Endowus averages 4.6 out of 5 from 23 ratings, while HSBC Life SG averages 4.0 from 35 ratings.
Do Endowus or HSBC Life SG have ads?
Neither Endowus nor HSBC Life SG shows ads.
Which is updated more often, Endowus or HSBC Life SG?
Endowus ships an update every 4 days, and HSBC Life SG every 2 weeks. Most recently, Endowus was updated on October 25, 2026 and HSBC Life SG on October 25, 2026.

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