How to Use FSMOne Referral Code 4G4TEP (2026)
Takes ~15 minutes · SC-licensed · Reward: RM25 + 50% off fees · Min RM100 · Verified Apr 2026
FSMOne Referral Code — Quick Answer
4G4TEP
Reward: RM25 cash + 50% off fees for 30 days · Min RM100 investment · 700+ unit trusts, ETFs & bonds · SC-licensed
Sign Up on FSMOne with Code 4G4TEP →What You Get with Code 4G4TEP
Cash reward
RM25
Fee discount
50% off for 30 days
Minimum investment
RM100
KYC required
Yes — MyKad + bank acc
Step-by-Step: How to Use FSMOne Referral Code
- 1
Go to FSMOne Malaysia via the referral link
Click the referral link from ReferralCodeMY, which automatically applies code 4G4TEP. You'll be taken to fsmone.com.my — Malaysia's largest independent fund supermarket operated by Fundsupermart. You can also enter code 4G4TEP manually at sign-up.
Tip: FSMOne (Fund Supermart) is operated by iFAST Financial Sdn Bhd, licensed by the Securities Commission Malaysia (SC). It is one of the most established independent investment platforms in Malaysia, available since 2000.
- 2
Create your FSMOne account
Fill in your personal details: name, email, MyKad number, and create a password. FSMOne requires a Malaysian bank account for fund transfers. Both individuals and joint account holders can register.
Tip: FSMOne supports investment accounts for individual Malaysians (MyKad required) and permanent residents. You can also open a Supplementary Retirement Scheme (SRS) account via FSMOne for additional tax relief.
- 3
Complete identity verification
Upload a clear photo of your MyKad (front and back). FSMOne also requires a recent bank statement or utility bill for address verification. KYC verification typically takes 1–3 business days.
Tip: FSMOne may ask for a 'wet signature' document for certain account types. Check your email after submitting — FSMOne will notify you if additional documents are needed. The process is fully digital for most applicants.
- 4
Make your first deposit of minimum RM100
Fund your FSMOne account via online banking (FPX). The minimum investment is RM100 for most unit trusts and RM500 for bonds. Once funded, you can browse and invest in any of FSMOne's 700+ unit trusts, ETFs, and bonds.
Tip: FSMOne's regular savings plan (RSP) lets you invest as little as RM100/month automatically into your chosen funds. This is ideal for dollar-cost averaging into unit trusts without monitoring the market.
- 5
Collect RM25 reward and 50% off fees for 30 days
After your first qualifying investment (min. RM100), both you and the referrer receive RM25. Additionally, all your transaction fees are reduced by 50% for the next 30 days — this means lower sales charges on unit trust purchases during that period.
Tip: Use the 30-day 50% fee discount strategically: make larger unit trust purchases during this period when sales charges are halved. For example, if the standard sales charge is 3% on RM5,000 = RM150, you only pay RM75 — saving RM75 on one transaction alone.
Common Mistakes to Avoid
- ✗Don't invest before your KYC is approved — FSMOne cannot process transactions on unverified accounts
- ✗Don't forget to use the 50% fee discount within 30 days — it expires after that window
- ✗Don't confuse FSMOne's sales charge (up-front fee) with management fees (ongoing annual fee) — both apply
- ✗Don't invest money you need in the short term — unit trusts are medium-to-long term investments
FAQ
What is FSMOne referral code?
The FSMOne Malaysia referral code is 4G4TEP. Enter this during sign-up or use the referral link to automatically apply it. The reward is RM25 cash credited to your FSMOne account plus 50% off transaction fees for 30 days after your first investment of minimum RM100.
What can I invest in on FSMOne Malaysia?
FSMOne offers 700+ investment options: unit trusts (conventional and Shariah-compliant), ETFs (including Bursa-listed and international ETFs), bonds, and fixed income funds. FSMOne also offers the FSMOne Portfolio service — a model portfolio that automatically rebalances your investments.
Is FSMOne safe and regulated in Malaysia?
Yes. FSMOne is operated by iFAST Financial Sdn Bhd, which is licensed by the Securities Commission Malaysia (SC) as a Capital Markets Services License (CMSL) holder. iFAST Financial is also listed on the Singapore Stock Exchange (SGX: AIY). Your investments are held in your name via a trust account — they are not pooled with iFAST's operational funds.
How does FSMOne compare to StashAway and Wahed?
FSMOne is a fund supermarket — you choose your own funds from 700+ options, giving you full control. StashAway and Wahed are robo-advisors — they pick and manage a portfolio for you automatically. FSMOne is best for investors who want to self-select specific unit trusts, ETFs, or bonds. StashAway (RM30,000 managed free referral) is better for passive automated investing. Wahed (code YINOOI1) is best for fully Shariah-certified automated investing.
What is the 50% off fees on FSMOne?
FSMOne charges a sales charge (typically 1%–3%) when you buy unit trusts. The 50% off fees discount halves this charge for 30 days after your first investment with code 4G4TEP. For example, a fund with 3% sales charge becomes 1.5% for that 30-day window. Online unit trust purchases via FSMOne already have reduced sales charges versus buying through a bank.