Not financial advice. All figures are for educational reference only. Interest rates verified against each bank’s official rate page as at August 2026. Rates can change without notice.

Most guides tell you to pick one digital bank. That’s leaving money on the table. MariBank, Trust Bank, and GXS Bank each have a specific strength — and when you stack all three, you end up with higher interest, better cashback, and triple the SDIC protection. This guide shows you exactly how to split your savings across all three for maximum returns in 2026.

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Why Stack Instead of Picking One?

Each digital bank excels in a different area. MariBank offers the best unconditional base rate. Trust Bank has the best cashback card and conditional savings rate. GXS offers lock-in pockets with higher yields. By using all three, you get the best of each — without the drawbacks.

There’s also a practical benefit: SDIC insures up to S$100,000 per depositor per bank. With three accounts, your insured coverage triples to S$300,000. If you’re keeping more than S$100K in cash savings, stacking is the obvious move.

Each Bank’s Role in the Stack

MariBank → Your Liquid Emergency Fund

MariBank is the anchor of the stack. Its 0.88% p.a. base rate requires zero effort — no salary crediting, no card spend, no minimum balance. Interest is credited daily. This makes it perfect for your emergency fund: money you need instant access to, earning a competitive rate with no strings attached.

Park 3–6 months of expenses here and don’t touch it.

Trust Bank → Your Salary + Spending Engine

Trust Bank‘s strength is its conditional savings rate (up to 2.40% p.a.) and cashback card (1% local, up to 15% on your preferred category). Credit your salary here, use the Trust Cashback Card for daily spending, and you’ll naturally meet the bonus criteria to unlock the higher rate.

Keep your “spending buffer” here — enough to cover a month or two of salary flow, which also earns the bonus interest.

GXS → Your Surplus Lock-In

Any money beyond your emergency fund and spending buffer goes into GXS Boost Pockets at 1.60% p.a. for 12 months. It’s higher than both MariBank’s and Trust Bank’s base rates, and the lock-in is acceptable because this is money you don’t need in the short term. The main GXS account (0.88% p.a.) can hold any overflow while you decide when to lock it into a Boost Pocket.

The Optimal Split Strategy

Worked Example: S$60,000 in Savings

Let’s say you have S$60,000 in savings and monthly expenses of roughly S$3,500. Here’s how the stack would look:

Compare that to leaving S$60,000 in a traditional bank savings account at 0.05% — you’d earn just S$30. The stacking strategy earns you S$850 more per year with the same amount of money, all within SDIC-insured accounts.

Add Trust Bank’s cashback card on top: if you spend S$1,500/month locally, you’d earn at least S$180/year in cashback — bringing the total benefit to over S$1,060/year from the same S$60,000.

SDIC Coverage Across Three Banks

Singapore Deposit Insurance Corporation (SDIC) protects your Singapore dollar deposits up to S$100,000 per depositor, per bank. This is a critical advantage of the stacking strategy:

• S$100,000 insured at MariBank
• S$100,000 insured at Trust Bank
• S$100,000 insured at GXS Bank

Total: S$300,000 of SDIC-insured deposits, compared to just S$100,000 if you kept everything in one bank. For anyone with savings above S$100K, this alone is reason enough to open all three accounts.

How to Set It All Up (Under 30 Minutes)

1. Open MariBank — Download the MariBank app, verify your identity with Singpass, and your account is ready in minutes. Use our MariBank referral code for the latest sign-up bonus.
2. Open Trust Bank — Download the Trust Bank app, sign up via Singpass, and apply for the cashback card. Use our Trust Bank referral code for the current welcome offer. Set up salary crediting through your employer.
3. Open GXS — Download the GXS app (or access via Grab app), verify with Singpass, and create your first Boost Pocket once your funds are ready.
4. Transfer your emergency fund to MariBank via PayNow (instant, free).
5. Transfer your surplus to GXS and lock it into a Boost Pocket.
6. Start using your Trust Cashback Card for daily spending to earn cashback and unlock bonus interest.

Common Mistakes to Avoid

• Putting everything in one bank — You’re losing SDIC diversification and not maximising your rate.
• Ignoring Trust Bank’s bonus criteria — If you’re not meeting the conditions, you’re earning 0.05%. Either commit to the criteria or move the money to MariBank’s unconditional 0.88%.
• Locking too much in GXS Boost Pockets — Only lock money you genuinely won’t need for 12 months. Keep your emergency fund liquid in MariBank.
• Forgetting to review quarterly — Digital bank rates change. Review your stack every quarter to see if the split still makes sense.
• Not using the Trust Cashback Card — It’s one of the best no-fee cashback cards in Singapore. If you have a Trust Bank account, use the card.

Frequently Asked Questions