How do I make FX conversions?

You may make currency conversions in your Endowus account through the following steps below: 

  1. Log into your Endowus account on your mobile app and click on “Transfers” at the bottom of the screen
  2. Select “Convert Currency”
  3. Select the currency you would like to convert from and input the value of conversion, then select the currency you would like to convert into
  4. An indicative rate will be shown. Please note that the indicative exchange rate is for reference only and may differ from the final rate due to market movements. The rate is not fixed until the conversion transaction is completed. 
  5. Confirm your currency conversion via SMS OTP. 
  6. The new currency should be made available for investing almost immediately. You will receive an email notification when the conversion is completed. If you have not received the notification and do not see the converted currency in your account after an hour, please contact


Please note: Endowus is not a foreign currency exchange. We offer a very competitive all-in FX rate from our wholesale FX broker(s). Endowus does not take a spread or earn from the bid-ask spread from these FX transactions. Currency conversions are meant to be used for investments. 

  • Each client is limited to a maximum of 3 conversion transactions a day. 
  • There is a limit of 4.8 million USD per transaction.
  • We will monitor apparent off market trades (transaction rate deviates 3% or more from the quoted rate)

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