I personally use everything that I recommend. If you sign up through a referral link, you get some benefits and some may reward me as well.
Travel
Klook Singapore
I use it to book attraction tickets or hotels occasionally. You get a S$5 promo code. I get S$5 discount if you making a booking.
Malaysia esim
I tried a few esims for Malaysia. This seems to be the more stable and cheap one and works in KL too.
USA / Japan esim
Some esims that me or my friends tried do not work very well in all states in big countries. I used the esim for USA and Japan in many states from this vendor.
Payment Methods
Kris+ Pay – Earn More Miles
It is a great way to make payments with Kris+ Pay using your miles credit card, super charge miles accumulation! Use my referral code Y405704 when you sign up, we both get SGD 5 after your first SGD 5 payment on Kris+.
Atome
I usually don’t do instalments. However sometimes i use it for the discount vouchers which are quite substantial. You get S$10 off your first purchase (claimable from the voucher center) via my referral link.
Shopback
Get cashback from online and store purchases.
YouTrip – Travel Debit Card
I use it for travelling. Top up using Mastercard. We both get S$5 if you sign up via my link.
Wise – Overseas Fund Transfer
I use it for sending money overseas at competitive currency exchange rates. You get a free Wise card worth £7 if you sign up via my link.
ipaymy – Earn More Miles
I use it for paying invoices with credit card (eg renovation bills, condo MCST, income tax etc) to earn miles. We both receive a promo code of S$30 which is good for first one-off payment.
Cardup – Earn More Miles
I use it for paying recurring payments with credit card (eg helper salary) to earn miles. My referral code is HUIFANGY931. We both get S$30.
Interactive Brokers IBKR
It is currently my main account for stocks and options trading. Earn 4.85% on USD.
Banking
TaxScouts
I used them for income tax filing in the UK.
Standard Chartered Bank Priority Banking
It is one of the easiest to get started in Priority Banking with S$200K AUM, including stocks! You get S$700 cash if you are new to bank and sign up for SCB Priority Banking via my referral.
OCBC Bank Premier Banking
OCBC Premier Banking is great for the Voyage Premier Credit Card at 1.6mpd uncapped and without expiry. The Premier Dividend Account gives 3.3% bonus interest for a month of no withdrawal. Good equivalent of a Fixed Deposit. Min AUM $350K from Sep 2024.
HSBC Singapore Premier Banking
HSBC Premier Banking is great for getting assess to global HSBC banking as well.
Business Opportunities
I am open to business opportunities and can be contacted at yohuifang@gmail.com.
Yohuifang 