Kickstart your will writing online in just minutes for free!

Get a $10 FairPrice voucher* by completing your will by using Promo Code: MOMAIL.

*T&Cs apply.

Wills Promotion

Receive a $10 FairPrice voucher when you complete your will online today!

Use Promo Code: MOMAIL

Writing a will with MoneyOwl takes just 10 minutes to complete, but the benefits ripple through the next generation. Leave your legacy. Snag a $10 FairPrice voucher* for embarking on your will-writing journey online with us. 

Simply set up your MoneyOwl account and complete your will writing for FREE.

This promotion is limited to the first 500 eligible clients and is available from 1 February to 30 June 2023.

*Terms and conditions apply. Click here for the full terms and conditions.

How to qualify for this promotion

Step 1: Complete your will for FREE with this Promo Code MOMAIL.

Step 2: Log in to your MoneyOwl account or sign up for one.

*Terms and conditions apply. Click here for the full terms and conditions.

The first 500 eligible clients will receive a $10 FairPrice voucher when you complete your will.

Why write a will now?

It’s never too early to start thinking about the type of legacy you want to leave behind.
Here are the key benefits of preparing a will in advance.

Appoint a Guardian

If you have children under 21 years of age, a guardian will ensure that their needs are met and protected in your absence.

Appoint an Executor & Trustee

Choose people whom you know and trust to execute your will and manage your assets for your minor children.

Prevent Unnecessary Disputes

A will gives your loved ones clear instructions on how to distribute your assets, helping prevent conflict and disharmony.

Protect Your Beneficiaries

A will lets you distribute your assets according to your wishes. Leaving it to chance could lead to your intended beneficiaries being omitted or provided with less.

How it works


Gather Required Information

Make sure you have the following information on hand – full name(s) and identification number(s) of your spouse, children, beneficiaries, executors and guardian(s).


Follow the Step-by-Step Instructions

These will guide you to input the required information, and should take no longer than 15 minutes. You can also save your progress and complete the process later.


Validate Your Will

Download, print and sign every page of the will in the presence of two witnesses. They cannot be a beneficiary or spouse of a beneficiary. Your witnesses will also need to sign every page of the will.


Review and Update

Need to account for changes in beneficiaries, executors, guardians, marital status and the addition or loss of family members? Revise your will for free on our platform, anytime.

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Terms & Conditions

  1. The promotion is valid from 1 February to 30 June 2023.
  2. To be eligible for this promotion, you will need to:
    • Be a new* MoneyOwl client; and
    • Complete writing your will with MoneyOwl.
  3. This promotion is limited to the first 500 eligible clients.
  4. This promotion is not stackable with other promotions.
  5. Eligible clients will receive a $10 FairPrice voucher sent via email within 45 days from the end of the promotion period.
  6. MoneyOwl reserves the right to change these terms and conditions.
  7. For any enquiries, contact us here or email us at

*A new MoneyOwl client is a client who has not purchased insurance, funded an investment account, or completed a will-writing service or Comprehensive Financial Planning service with MoneyOwl.

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Top Questions People Ask Us

Upon death without a will, you have effectively given up your right to decide how your assets are distributed. Your loved ones may be burdened because:

  1. An administrator, usually a next-of-kin, must step forward to apply for the Letter of Administration before he/she can distribute the estate according to the Intestate Succession Act. As such, there may be serious disagreements as to whom should do so.
  2. The process may be more time-consuming as the administrator may not be ready with the required information on the estate, have no time or find it too complicated. There are cases where no one is willing to step forward to be the administrator due to uncertainties in the estate’s liabilities. There are also cases where several people want to be the administrator due to the large amount of assets at stake, sometimes for the wrong reasons.
  3. If there are young children involved or if your estate’s value is above a certain threshold, 2 sureties are needed before the court would grant the letter. The sureties must swear an affidavit certifying their worth is equal or more than the total value of your estate.
  4. On the unfortunate occasion that both parents pass on at the same time, there may be great uncertainty as to whom should take on the responsibilities of guardianship to your children.

Deceased Dies Intestate Leaving: Distribution

(No parents or issue*)
Spouse, Issue

(With or without parents)

(To be shared equally)


(No spouse)

(To be shared equally)
Spouse, Parents

(No issue)

(To be shared equally)


(No spouse or issue)

(To be shared equally)

(No spouse, issue or parents)

(To be shared equally)

(No spouse, issue, parent or siblings)

(To be shared equally)
Uncles & Aunts

(No spouse, issue, parents, siblings, grandparents)
Uncles and Aunts

(To be shared equally)
None of the above

* “issue” - includes children and the descendants of deceased children.

You need to be at least 21 years old and of sound mind to write a will. There is no need for your will to be drafted, approved or witnessed by a lawyer as long as your will fulfils the legal requirements. To be of a sound mind or have the testamentary capacity:

  1. You should understand the nature of the act and what the consequences are;
  2. You know and approve the contents of the will, nature and extent of properties;
  3. You know who your beneficiaries are and can appreciate their claims on your properties; and
  4. You are free from an abnormal state of mind that might distort feelings or judgements relevant to making the will.

All you have to do is print it out and sign off at the end of the Will and at the bottom of every page and have your witnesses sign the same as well. Beneficiaries under the will and their spouses are prohibited from signing as witnesses. Remember, you must ensure that all signatures are witnessed in person by all parties (ie your two witnesses and yourself must all sign in the presence of one another at one sitting). Date the will immediately thereafter. You will then have a valid will!

The following assets cannot be distributed via a will:

  1. CPF balances will be distributed according to your CPF Nomination if you have made one. If you do not make a CPF nomination, your money will be paid to the Public Trustee in Singapore, who will pay it out in accordance with the Intestate Succession Act. Read more on the CPF website and download the form here
  2. Proceeds of insurance policies will go to the beneficiaries nominated in the insurance policies. If you do not make a nomination, the proceeds will form part of your estate to be distributed according to your will or if no will is done, it will be distributed in accordance with the Intestate Succession Act.
  3. Property under Joint Tenancy – the property will be passed over to the survivor joint tenant. For example, if you own a property as joint tenants with your spouse, in the event that you pass on, your spouse will inherit the property wholly. For real-estate properties that are held as joint tenants, these properties cannot be passed on through the operation of a will.
  4. Generally-speaking, the assets in joint-bank accounts and joint-stock brokerage accounts would also be payable to the surviving account holder. However, due to different clauses with regards to these accounts, in some cases, these assets may form part of the estate to be distributed according to your will or the Intestate Succession Act.

Recommended Next Steps

Kickstart the process of drafting your will today.

It’s Never Too Early to Plan Your Legacy

MoneyOwl’s will-writing service provides you with a legally binding will which you can review and update anytime, at no cost.