MariBank Interest Rate 2026: Savings Account, Fixed Deposit & Mari Invest Explained
MariBank is one of Singapore’s newest digital banks — but what does it actually pay on your cash? This guide breaks down every MariBank rate in 2026 and compares it honestly against the best alternatives.
Not financial advice. Rates as at April 2026. Always verify directly with MariBank before making decisions.
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MariBank Savings Account Interest Rate 2026
The Mari Savings Account currently pays 0.88% p.a. on balances up to S$100,000. There are no hoops to jump through — no salary credit requirement, no minimum spending, no tiers. Interest is calculated daily and credited monthly.
| Feature | Details |
|---|---|
| Interest Rate | 0.88% p.a. |
| Balance Cap (Earning Interest) | First S$100,000 |
| Minimum Balance | None |
| Salary Credit Required | No |
| Interest Calculated | Daily |
| SDIC Insured | Yes — up to S$100,000 |
To put that in context: S$50,000 in the Mari Savings Account earns roughly S$440 per year at 0.88% p.a. It’s not market-leading, but it’s completely fuss-free.
Historically, MariBank offered higher promotional rates — peaking at 3.5% p.a. in 2023 and 2.7% p.a. through end-2024. Those promos have ended, and the current base rate is 0.88% as at April 2026. Keep an eye on MariBank’s promotions page, as they do run time-limited offers.
MariBank Fixed Deposit Rate 2026
If you want a higher guaranteed return from MariBank, the Mari Fixed Deposit is worth looking at. As at April 2026, new users can access a promotional rate of:
| Tenor | Rate (New Users Promo) | Min / Max Placement |
|---|---|---|
| 1 Month | 2.88% p.a. | S$5,000 – S$50,000 |
This is a one-time promotional rate for first-time Mari Fixed Deposit users. After the promotion ends, standard fixed deposit rates apply — check MariBank’s official fees and rates page for the latest. Note that your funds are locked in for the tenor; early withdrawal may forfeit interest.
At 2.88% p.a. on S$50,000 for 1 month, you’d earn approximately S$120 in interest — decent for a short lock-up, fully SDIC-insured.
Mari Invest SavePlus — What It Pays
Mari Invest is MariBank’s cash management product. The SavePlus option invests your cash in a money market fund, earning a projected return of around 2.09% p.a. (based on the trailing 4-week return; the 0.25% p.a. management fee is already deducted from this figure).
Key features of Mari Invest SavePlus:
- No minimum deposit
- No lock-up — redeem anytime
- Fund management fee: 0.25% p.a. (reflected in projected yield)
- Must have a MariBank savings account to access Mari Invest
- Funds are invested — not SDIC insured
The 2.09% projected yield is decent for a liquid, no-lock-up product — though it trails Syfe Cash+ and Endowus Cash Smart (see comparison below).
MariBank vs Syfe Cash+ vs Endowus Cash Smart (April 2026)
Here’s how MariBank’s products stack up against the leading cash management alternatives in Singapore as at April 2026:
| Product | Rate (p.a.) | SDIC? | Lock-up? | Min Deposit |
|---|---|---|---|---|
| MariBank Savings | 0.88% | Yes | None | None |
| MariBank FD (new user promo) | 2.88% | Yes | 1 Month | S$5,000 |
| Mari Invest SavePlus | ~2.09% | No | None | None |
| Endowus Cash Smart Ultra | ~3.1% | No | None | None |
| Syfe Cash+ Flexi | ~3.5% | No | None | None |
All rates projected/advertised as at April 2026. Cash management rates fluctuate with underlying fund performance. SDIC coverage applies to licensed bank deposits only, not fund-based products.
Is MariBank Safe? SDIC Coverage Explained
MariBank is licensed by the Monetary Authority of Singapore (MAS) as a digital full bank. Your Mari Savings Account and Mari Fixed Deposit are protected by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000 per depositor.
This is an important distinction from fund-based products like Mari Invest SavePlus, Syfe Cash+, and Endowus Cash Smart — those are not SDIC-insured. They are generally very low risk, but they carry a different risk profile from a guaranteed bank deposit.
If capital preservation is your priority (e.g. for an emergency fund), SDIC protection is a genuine advantage — even at 0.88% p.a. For higher yield on surplus cash above your emergency buffer, fund-based options typically deliver more. Use our Emergency Fund Calculator to figure out how much you need to keep in a safe, guaranteed account.
Which Option Is Best for Your Cash?
Here’s a practical framework for Singapore investors in 2026:
Emergency fund (3–6 months expenses): Keep this in the Mari Savings Account or another SDIC-insured account. Safety and instant liquidity matter more than yield. The 0.88% p.a. is modest, but your capital is fully protected. Use our Emergency Fund Calculator to size this correctly.
Short-term lump sum you won’t need for a month: The MariBank Fixed Deposit at 2.88% p.a. is a strong option for new users — guaranteed, SDIC-insured, and meaningfully better than the savings rate.
Liquid cash for higher yield (beyond your emergency fund): Syfe Cash+ Flexi at ~3.5% p.a. or Endowus Cash Smart Ultra at ~3.1% p.a. are hard to beat. Both are no-lock-up, highly liquid, and invest in MAS-regulated money market funds. Not SDIC-insured, but suitable for cash above your emergency buffer.
Longer-term wealth building: Cash alone won’t build wealth against Singapore’s cost of living. Consider Endowus for CPF and SRS investing, Syfe for diversified portfolio investing, or explore income-generating assets like S-REITs for 5–7% dividend yields. Run the numbers with our Retirement Planning Calculator.
MariBank Referral Code & Sign-Up Bonus 2026
New to MariBank? You can use a referral code when signing up to earn a welcome bonus. We keep our referral code page updated with the latest promotions:
We also have the latest referral codes for Singapore’s top robo-advisors and fintech platforms:
- Endowus referral code — earn fee credits for your first year
- Syfe referral code — get fee rebates for 3 months
- FSMOne referral code — cashback on eligible trades
- Trust Bank Singapore review 2026 — read our full verdict on this digital bank