How to Use StashAway Referral Link in Malaysia (2026)
Takes ~15 minutes · Min. RM100 investment · Reward: RM30,000 managed free 6 months · Verified Apr 2026
StashAway Referral — Quick Answer
No code needed — use the referral link
Reward: RM30,000 managed free for 6 months · SC-licensed · Min. RM100 to invest
Sign Up on StashAway via Referral →What “RM30,000 Managed Free” Actually Means
StashAway charges a management fee of 0.2%–0.8% per year based on your portfolio size. The referral reward waives this fee on the first RM30,000 you invest, for 6 months.
If you invest RM30,000 at a 0.8% fee rate:
You save RM120 in fees over 6 months
Plus your referrer gets the same benefit — both sides win.
Step-by-Step: How to Sign Up via StashAway Referral
- 1
Click the StashAway referral link
Click the referral link from ReferralCodeMY to go to the StashAway sign-up page. StashAway does not use a referral code field — the referral is tracked automatically via the link. You can sign up on the StashAway website or via the app (App Store / Google Play).
Tip: StashAway is a licensed fund management company regulated by the Securities Commission Malaysia (SC). It has operated in Malaysia since 2018 and manages money for over 1 million users across Asia.
- 2
Create your StashAway account
Enter your email address and create a password. You will receive a verification email — click the link to confirm your account. Alternatively, you can sign up with your Google account.
Tip: Use a personal email address you check regularly — StashAway sends monthly portfolio reports, market updates, and important account notifications to your registered email.
- 3
Complete your investor profile
StashAway asks a series of questions to understand your financial goals, risk tolerance, and investment horizon. Answer honestly — your responses determine which StashAway portfolio (risk level) is recommended for you. You can change your portfolio selection later.
Tip: There is no 'wrong' answer in the risk profile questionnaire. StashAway uses the answers to comply with regulatory requirements and to suggest a suitable risk level — you can always override the recommendation.
- 4
Complete eKYC verification
Upload a clear photo of your MyKad (front and back) and take a selfie. StashAway's eKYC is done in the app or web browser and typically takes 5–15 minutes to verify. Some accounts are approved instantly; others take up to 1 business day.
Tip: StashAway requires KYC because it is a licensed fund manager — not just an e-wallet. This is the same regulatory requirement as opening a unit trust or brokerage account.
- 5
Make your first investment
Transfer funds to your StashAway portfolio via FPX online banking. Minimum investment is RM100. Once invested, StashAway automatically manages your money — rebalancing your portfolio daily based on its ERAA® (Economic Regime-based Asset Allocation) strategy. Your RM30,000 managed free benefit activates automatically for both you and your referrer.
Tip: The RM30,000 managed free means StashAway waives its management fee (0.2%–0.8% p.a.) on the first RM30,000 you invest for 6 months. On RM30,000, that's up to RM120 in savings.
Common Mistakes to Avoid
- ✗Don't sign up directly on stashaway.my without the referral link — the reward won't be tracked
- ✗Don't confuse the reward with a cash bonus — it's a fee waiver, not money added to your account
- ✗Don't skip the investor profile questionnaire answers — they must match your actual situation
- ✗Don't withdraw immediately after investing — the fee waiver applies to the 6-month managed period
FAQ
Does StashAway have a referral code?
StashAway Malaysia does not use a referral code — the referral is tracked via a referral link. Click the StashAway referral link from ReferralCodeMY to automatically register under the referral programme. No code needs to be entered.
What is the StashAway Malaysia referral reward?
Both you (the new user) and your referrer get up to RM30,000 managed for free for 6 months. This means StashAway waives its management fee on the first RM30,000 you invest for 6 months. The management fee is 0.2%–0.8% p.a. depending on your investment amount — so the savings can be up to RM120 if you invest RM30,000.
Is StashAway safe in Malaysia?
Yes. StashAway is regulated by the Securities Commission Malaysia as a licensed fund management company. Your investments are held in segregated accounts at appointed custodians (not commingled with StashAway's own funds). StashAway itself going bankrupt would not result in you losing your investments.
What does StashAway invest my money in?
StashAway invests in globally diversified portfolios of ETFs (exchange-traded funds) across stocks, bonds, gold, and real estate — depending on your risk level. The underlying ETFs are listed on major exchanges like NYSE. StashAway uses its ERAA® strategy to shift allocations based on economic conditions.
What is the minimum investment for StashAway Malaysia?
The minimum investment on StashAway Malaysia is RM100. There is no minimum monthly contribution requirement. You can start with RM100, add more anytime, or set up an auto-deposit from your bank account.
How does StashAway compare to EPF or unit trusts?
StashAway invests in globally diversified ETFs — different from EPF (fixed income, Malaysia-focused) or traditional unit trusts (higher fees, active management). StashAway's management fee (0.2%–0.8% p.a.) is significantly lower than most unit trusts (1.5%–2% p.a.). Returns are not guaranteed but historically track global market performance.