DIGITAL BANK GUIDE 2026
Maribank Interest Rate 2026
Complete Guide: Savings Account, Fixed Deposit & All Products
Mari Savings Account • Interest Credited Daily
Disclaimer: Data verified as at 15 Sep 2026 from official Maribank sources (maribank.sg). Interest rates are subject to change. This article contains a referral link — use code 2DCT80WQ when signing up for Maribank.
Quick Summary
| Product | Rate / Feature |
| Savings Account (Base) | 0.88% p.a. |
| Savings Account (Max) | 3.08% p.a. (with all bonuses) |
| Interest Crediting | Daily |
| Fixed Deposit | Rates available in MariBank app |
| Minimum Balance | None |
| Deposit Insurance | SDIC protected up to S$100,000 |
What is Maribank?
Maribank is Singapore’s digital bank backed by Sea Group (the company behind Shopee and Garena). It received its full digital bank licence from the Monetary Authority of Singapore (MAS), making it one of the few fully licensed digital banks in Singapore.
Launched in 2023, Maribank has grown rapidly. It offers savings accounts, fixed deposits, credit cards, and personal loans — all through a mobile app.
In 2026, Maribank continues to compete with other digital banks like GXS Bank and Trust Bank, particularly on interest rates and fee waivers.
Mari Savings Account Interest Rate (2026)
The Mari Savings Account is Maribank’s flagship product. It offers daily interest crediting — meaning your interest is calculated and credited to your account every day based on your previous day’s balance.
Base Interest Rate: 0.88% p.a.
All Maribank savings account holders receive a base rate of 0.88% p.a. This applies to all balances with no minimum deposit required, no fall-below fees, and no salary crediting requirement.
Maximum Rate: 3.08% p.a.
With all bonus interest promotions stacked, you can earn up to 3.08% p.a. Here’s the full breakdown:
| Rate Component | Rate | Condition |
|---|---|---|
| Base Interest Rate | 0.88% p.a. | All users |
| Welcome Bonus | +1.60% p.a. | New accounts, first 30 days |
| ShopeeVIP Bonus | +0.40% p.a. | Active ShopeeVIP subscription |
| Salary Crediting Bonus | +0.20% p.a. | Salary credited to Maribank |
| TOTAL MAXIMUM RATE | 3.08% p.a. | All bonuses combined |
Source: maribank.sg — Data verified as at 15 Sep 2026
How to Maximise Your Maribank Interest
To earn the maximum 3.08% p.a., you need to meet all three bonus criteria simultaneously:
- Be a new user — The welcome bonus of 1.60% p.a. applies only for the first 30 days. Take full advantage of this welcome period.
- Subscribe to ShopeeVIP — If you’re already a Shopee user, ShopeeVIP membership unlocks an additional 0.40% p.a. bonus interest.
- Credit your salary — Arranging your employer to pay your salary into Maribank earns an extra 0.20% p.a.
After the welcome period ends, your long-term sustained rate (without welcome bonus) would be 0.88% base + up to 0.60% from ShopeeVIP and salary crediting = 1.48% p.a.
Mari Fixed Deposit
Maribank also offers fixed deposits through its app. Maribank’s Mari Fixed Deposit rates are displayed only within the MariBank app, as rates are updated regularly.
Key features of the Mari Fixed Deposit:
- No early withdrawal fees — Maribank waives early withdrawal fees on fixed deposits, which is rare
- Placement via app — All FD placements and renewals are done through the MariBank mobile app
- SDIC insured — Your SGD deposits are protected up to S$100,000 per depositor
To check the latest Mari Fixed Deposit rates, open the MariBank app and navigate to the Fixed Deposit section.
Maribank vs Other Digital Banks (2026)
| Feature | Maribank | GXS Bank | Trust Bank |
|---|---|---|---|
| Base Savings Rate | 0.88% p.a. | Check app | Check app |
| Max Savings Rate | 3.08% p.a. | Check app | Check app |
| Interest Crediting | Daily | Daily | Monthly |
| Min Balance | None | None | None |
| Fall Below Fee | None | None | None |
| Backer | Sea Group | Grab + Singtel | Standard Chartered + FairPrice |
| SDIC Insured | Yes | Yes | Yes |
Is Maribank Safe?
- MAS Licensed — Maribank holds a full digital banking licence from the Monetary Authority of Singapore
- SDIC Protected — Singapore dollar deposits are insured by SDIC for up to S$100,000 per depositor per bank
- Backed by Sea Group — NYSE-listed company with a market cap of tens of billions
- Multi-factor authentication — All transactions are protected by MFA security protocols
How to Open a Maribank Account
- Download the MariBank app from the App Store, Google Play, or Huawei AppGallery
- Register with your Singapore mobile number
- Verify your identity using Singpass / MyInfo (no documents needed)
- Open your Mari Savings Account digitally
Eligibility: Available to Singaporeans, PRs, and foreigners with a valid pass. Minimum age: 16 years old.
Sign Up Bonus: Use referral code 2DCT80WQ when signing up for Maribank to unlock any applicable referral rewards.
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This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
