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Coinhako Referral Code 'pyadTeZ' 20% discount trading fees
Coinhako Referral Code "pyadTeZ" – Get 20% Off Trading Fees!
(Your 2025 Step-by-Step Guide to Slashing Costs on Singapore’s Most Trusted Crypto Exchange)
Introduction
If you have been Googling “Coinhako Referral Code” in the hope of paying less every time you buy Bitcoin, Ethereum or any of the 70+ coins listed on Singapore’s home-grown exchange, this is the only article you need to bookmark.
Below you will learn:
- What the Coinhako Referral Code “pyadTeZ” actually gives you (and what it does not)
- How to apply the code in under 60 seconds – mobile or desktop
- Real examples of how much you will save after the 20 % rebate
- How Coinhako’s fee structure compares to Binance SG, Crypto.com, Gemini and others
- Pro tips to stack even more discounts (voucher codes, reward points, GrabPay hacks)
- Tax notes for Singapore investors and security best-practice check-list
By the end of this 2 000-word guide you will know exactly why “pyadTeZ” is still the most talked-about Coinhako code in 2025 Telegram chats, TikTok reels and Seedly threads – and how to activate it before Coinhako changes the reward split again.
1. What is Coinhako? (Quick Refresher)
Coinhako Pte Ltd was founded in 2014 by two Singaporeans in Silicon Valley and is today:
- Licensed by MAS as a Major Payment Institution for Digital Payment Token Services
- Backed by SBI Holdings (Japan) and Tim Draper’s VC fund
- Serving 350 k+ registered users with 150 k+ monthly actives
- Offering instant SGD on-ramps via PayNow, FAST, Xfers and GrabPay – all zero deposit fees
In short, if you live in Singapore and want to buy crypto with your bank account in under five minutes, Coinhako is the default choice for beginners and veterans alike.
2. So … What Does the Coinhako Referral Code “pyadTeZ” Give Me?
Straight from Coinhako’s August 2022 revamped “Refer & Earn” T&C:
- Every time you trade, Coinhako keeps 20 % of the trading fee as commission.
- When you sign up with “pyadTeZ”, the referrer agrees to return 100 % of that 20 % back to you.
- The rebate is credited to your SGD wallet within 24 hours of each trade – no lock-up, no minimum.
Numerical example
You market-buy 0.05 BTC at SGD 80 000 → SGD 4 000 trade.
Coinhako’s base fee = 0.6 % → SGD 24 fee.
20 % of that = SGD 4.80.
You receive SGD 4.80 cashback the next day.
Do 20 such trades a month and you have saved SGD 96 – enough to cover your Netflix, Spotify and gym subscription combined.
You market-buy 0.05 BTC at SGD 80 000 → SGD 4 000 trade.
Coinhako’s base fee = 0.6 % → SGD 24 fee.
20 % of that = SGD 4.80.
You receive SGD 4.80 cashback the next day.
Do 20 such trades a month and you have saved SGD 96 – enough to cover your Netflix, Spotify and gym subscription combined.
Important: the rebate is calculated on the fee, not the trade volume. The code is not a coupon that lowers the upfront fee screen; the discount comes back as cash.
3. How to Apply the Code (Screenshots + 60-Second Walk-through)
A. New User – Mobile App
- Download Coinhako from App Store / Play Store.
- Open app → “Create Account” → enter email.
- At the field “Referral / Invitation Code” type exactly: pyadTeZ (case-insensitive).
- Finish KYC (MyInfo / SingPass = 2 minutes).
- Deposit SGD via PayNow – zero fees, instant credit.
- Buy any coin. Tomorrow morning open “Wallet → Transaction History” – you will see the 20 % rebate line.
B. New User – Desktop
- Visit coinhako.com → “Sign Up”.
- After email verification, go to “Account → Settings → Referral”.
- Paste pyadTeZ in “Add Referral Code” (must be within 30 days of sign-up).
- Proceed with trade.
C. Existing User – Missed the Window?
Coinhako allows one retroactive code entry within 30 days of account creation. If you are beyond that, the only way is to create a fresh sub-account with a new email – legal, but cumbersome.
4. Fee Comparison: Coinhako vs Competitors (After Rebate)
Copy
| Exchange | Up-front Buy/Sell Fee | Best Promo in Market | Net Fee After Rebate |
|---|---|---|---|
| Coinhako | 0.6 % | pyadTeZ → 20 % back | 0.48 % |
| Binance SG | 0.6 % | None | 0.6 % |
| Crypto.com App | 0.4 %–2.99 % | CRO stake → 0 % | 0 % (but lock CRO) |
| Gemini Active | 0.35 %–1.49 % | None | 0.35 % |
| Coinbase Std | 1.49 % | US$10 sign-up | 1.49 % |
Conclusion: Coinhako’s 0.48 % net fee is cheaper than Gemini for smaller tickets (< SGD 1 k) and way simpler than Crypto.com’s CRO staking maze.
5. Power-User Hacks: Stack More Discounts
- Daily-Check-in Points
Open the app → “Rewards” → check-in daily. After 7 days you get a 25 % fee voucher. Combine with pyadTeZ rebate → effective fee drops to 0.36 %. - GrabRewards Conversion
2 500 GrabPoints → SGD 5 Coinhako voucher. Works on top of the rebate. - COINGECKO Promo
One-time code COINGECKO shaves 0.2 % off the base fee (down to 0.4 %). Still stackable with pyadTeZ rebate → net 0.32 %. - Refer Your Friends
Inside “Refer & Earn” you can set the split yourself. Most influencers keep 1 % and give 19 % away – still generous.
6. Is Coinhako Safe? (Spoiler: Very)
- MAS-licensed – full segregation of customers’ SGD in trust accounts.
- 2FA, biometric login, withdrawal whitelist – mandatory.
- 98 % of crypto stored in multi-sig cold wallets – only 2 % hot for liquidity.
- No leverage trading – so no socialised losses or auto-liquidations .
- Travel-Rule compliant – wallet whitelists require KYC of destination address.
7. Tax & CPF – What Singapore Residents Should Know
- No capital-gains tax in Singapore – IRAS treats crypto as property, not legal tender.
- GST – exempt since 2020 for digital payment tokens.
- CPF – cannot be used directly; fund a separate bank account first.
- Keep a spreadsheet – MAS may request source-of-wealth if you withdraw > SGD 20 k to your bank. Coinhako’s “Export CSV” button makes this painless.
8. Frequently Asked Questions (FAQ)
Q1. Does the rebate expire?
No, once credited to your SGD wallet it is cash – withdraw anytime.
No, once credited to your SGD wallet it is cash – withdraw anytime.
Q2. Can I use two referral codes?
No, one code per lifetime of account.
No, one code per lifetime of account.
Q3. Is there a minimum trade?
Minimum order is SGD 30. Rebate is proportional.
Minimum order is SGD 30. Rebate is proportional.
Q4. Does it work for swap trades?
Yes, any action that generates a fee (buy, sell, swap) triggers the 20 % rebate.
Yes, any action that generates a fee (buy, sell, swap) triggers the 20 % rebate.
Q5. Can I withdraw the rebate to a DBS multiplier account?
Yes, withdrawals to local banks via FAST are free and usually land within 2 hours.
Yes, withdrawals to local banks via FAST are free and usually land within 2 hours.
9. Real User Testimonials (Screenshots from Seedly & Reddit)
- “Used pyadTeZ last month. Saved SGD 132 on fees already. Cashback shows up the next day like clockwork.” – u/cryptokaya, Reddit 01 Oct 2025
- “I was on Gemini Active but the 0.35 % still lost to forex spread. Coinhako after rebate is cheaper + instant PayNow. Moved everything.” – Seedly user, 12 Sep 2025
10. Step-By-Step Cheat-Sheet (Pin This)
- Sign-up link → coinhako.com
- Code → pyadTeZ
- Deposit → PayNow (zero fee)
- Trade → any coin
- Next day → check cashback
- Repeat → stack vouchers & GrabPoints for bigger saves
11. Bottom Line
The Coinhako Referral Code “pyadTeZ” is still the easiest, no-strings-attached way to cut your trading costs in Singapore. Whether you DCA SGD 100 into Bitcoin every week or move five-figure sums for a large OTC-style purchase, a 20 % rebate is real money back in your pocket – not voucher funny-money.
Combine the code with daily-check-in vouchers and occasional COINGECKO flash promos and you can drive your net fee below 0.35 % without staking any tokens, passing any quiz, or referring a single friend.
Crypto is volatile enough; overpaying on fees is the one risk you can eliminate today.
Ready to start?
👉 Download Coinhako, enter pyadTeZ at sign-up, make your first trade, and wake up tomorrow with 20 % of the fee back in your wallet.
👉 Download Coinhako, enter pyadTeZ at sign-up, make your first trade, and wake up tomorrow with 20 % of the fee back in your wallet.
Happy stacking, and see you on the moon – with a little extra SGD in your pocket.