MariBank Promotion October 2026: Every Current Offer, Bonus Interest & Referral Reward

All live MariBank promotions in one place — savings bonus interest, Mari Credit Card welcome rewards, referral cash and expiry dates, checked against maribank.sg.

The main MariBank promotion in October 2026 is the Mari Savings Account bonus interest of up to 3.08% p.a. for new customers in their first 30 days (1.48% p.a. for existing customers). New Mari Credit Card holders also get S$30 welcome cashback on S$300 spend, 3% overseas cashback and S$50 in Shopee vouchers, while referral codes add S$8–S$15 cash until 31 October.

Not financial advice. All figures are for educational reference only. Data verified as at 4 October 2026 against MariBank’s official promotion pages.

Table of Contents

MariBank Promotion October 2026: Quick Summary

MariBank runs a rolling set of promotions across its personal banking products, and October 2026 is one of the busier months on its promotions page. Five offers are live on the Mari Savings Account, four on the Mari Credit Card, one on the Mari Debit Card, one on Instant Loan, and four for Mari Business Account holders. Mari Invest has no running promotion at the moment, according to MariBank’s own official promotions page.

For most Singapore readers, three matter: the Mari Savings Account bonus interest, the new-cardholder rewards on the Mari Credit Card, and the Refer & Get Rewarded cash bonus. The rest are extras for overseas transfers, SGQR payments or short-term loans.

Below, every offer is listed with its exact promotion period so you know what expires first. The Refer & Get Rewarded campaign and the guaranteed-best-FX overseas transfer promotion both end on 31 October 2026, while most of the card and savings offers run to 31 December 2026.

All Current MariBank Promotions (as at 4 October 2026)

The table below is compiled from each individual promotion page on maribank.sg. Dates are the promotion periods MariBank publishes; the bank can change or end any promotion under its terms and conditions.

Source: MariBank promotions page and individual promotion pages (maribank.sg/promo), verified 4 October 2026.

Mari Savings Account Bonus Interest: Up to 3.08% p.a.

The biggest-ticket MariBank promotion is the Mari Savings Account Bonus Interest Promotion, which runs from 17 August to 31 December 2026. It stacks four components on top of each other, and interest is credited daily.

Source: MariBank, Mari Savings Account Bonus Interest Promotion, promotional rate period 17 Aug – 31 Dec 2026. Verified 4 October 2026.

Two details are easy to miss. First, the 1.60% new user bonus lasts only 30 days from successful account opening, so the 3.08% headline is a first-month figure. After that, a new customer drops to the existing-customer stack of up to 1.48% p.a. Second, MariBank states the 0.20% salary bonus applies to your entire Mari Savings Account balance with no cap, provided you credit at least S$500 of salary each month. ShopeeVIP is a paid Shopee buyer subscription run by Shopee, not MariBank, so factor in its cost if you are not already a member.

There is no minimum deposit, no salary-crediting requirement for the base rate, and no fall-below fee. Singapore dollar deposits are insured by SDIC up to S$100,000 per depositor per Scheme member, which is the same protection you get at DBS, OCBC or UOB. If deposit safety is your main concern, our breakdown of whether MariBank is safe under SDIC and MAS rules covers it in detail.

Worked example: S$20,000 in a new Mari Savings Account

Take a Singapore saver who opens a Mari Savings Account in October 2026 and parks S$20,000 there. Using simple daily interest on a 365-day year:

• First 30 days, all bonuses (3.08% p.a.): S$20,000 × 3.08% × 30/365 = S$50.63
• First 30 days, base + new user bonus only (2.48% p.a.): S$20,000 × 2.48% × 30/365 = S$40.77
• Each following 30 days, ShopeeVIP + salary (1.48% p.a.): S$20,000 × 1.48% × 30/365 = S$24.33
• Each following 30 days, base rate only (0.88% p.a.): S$20,000 × 0.88% × 30/365 = S$14.47

The takeaway: the new user bonus is worth roughly S$26 extra on S$20,000 in the first month, compared with the base rate alone. It is a nice welcome gift, not a long-term yield strategy. For a fuller look at how MariBank’s rates have moved through the year, see our MariBank interest rate guide for 2026.

MariBank Referral Promotion: S$8 or S$15 Cash (Ends 31 Oct 2026)

MariBank’s Refer & Get Rewarded campaign runs from 1 to 31 October 2026. Both the person sharing the code and the new customer get cash credited to their Mari Savings Account, and the amount depends on which product bundle the new customer opens.

Source: MariBank, Refer & Get Rewarded with MariBank (Oct 2026) promotion page. Verified 4 October 2026.

The referral cash stacks with the new user bonus interest and the Mari Credit Card welcome rewards, because those are separate promotions. To claim it, download the MariBank app and enter a referral code during your application. On app version 3.08 or later, the code goes on a standalone referral/promo code page after you agree to the T&Cs; on 3.07 or earlier, you enter it on the product page before starting. You can use The Kopi Notes code 2DCT80WQ — our MariBank referral code page has the step-by-step screenshots. The Kopi Notes may receive a referral reward when you use this code.

Mari Credit Card Promotion: S$30 Welcome Cashback + 3% Overseas

MariBank’s Apply Now and Get Rewarded promotion runs from 1 October to 31 December 2026 for new Mari Credit Card holders. It bundles four perks:

• S$30 Welcome Cashback when you spend at least S$300 on your Mari Credit Card (excluding Shopee spend) within 30 days of card approval.
• 3% cashback on overseas spend, exclusively for new Mari Credit Card users, with 0% FX fees. Eligibility and limits follow MariBank’s First 30 Days Card Spend promotion terms, so read those before you plan a big overseas purchase around it.
• S$50 New User Shopee Voucher Pack for Mari Credit Card Instant Checkout: S$15 off with no minimum spend on your first Instant Checkout, S$10 off a minimum S$60 spend, and S$25 off a minimum S$150 spend.
• Entry into the S$100K Free Flights draw — one chance for every eligible spend of at least S$5 on a Mari Credit Card or Mari Debit Card. MariBank says 50 winners will receive return flights for two: 5 pairs of Business Class and 45 pairs of Economy Class tickets.

Beyond the welcome perks, the card’s everyday proposition is 1.5% unlimited cashback on eligible local SGD card spend with no minimum spend, and 1.5% cashback on your first S$1,500 of overseas spend each month with no FX fees. Applicants must be at least 21 and can be Singaporeans, PRs or foreigners with a valid pass; details are pulled from Myinfo, so no documents are needed.

What S$300 of spend is worth in month one

If you put S$300 of regular local spending (groceries, transport, dining) on a new Mari Credit Card within 30 days, you earn the S$30 welcome cashback plus 1.5% base cashback of S$4.50. That is S$34.50 back on S$300 — an effective 11.5% return on that first block of spend, before counting any Shopee vouchers you actually use. After month one, the card settles into its standard 1.5% flat rate. Our full Mari Credit Card review compares that flat rate against other cashback cards in Singapore.

Other MariBank Promotions Worth Knowing

Scan & Pay: 1% cashback at NETS SGQR merchants

From 1 September to 31 December 2026, paying a minimum of S$3 by scanning a printed NETS SGQR code with the MariBank app earns an instant 1% cashback, credited to your Mari Savings Account. Cashback is capped at S$30 per customer per calendar month, which you only hit at S$3,000 of qualifying SGQR spend. The promotion does not cover PayNow or NETS QR codes generated electronically or on payment terminals, and it is limited to the first 100,000 transactions per calendar month across all customers. For hawker centre and kopitiam regulars, it is a small but steady top-up.

Overseas transfers: $0 fee and guaranteed best FX

MariBank has extended its unlimited $0 transfer fee on overseas transfers to 31 December 2026, covering 21 currencies to over 59 destinations. Separately, until 31 October 2026, it guarantees best FX rates on transfers in six currencies: CNY, IDR, INR, USD, PHP and THB, subject to T&Cs. If you send money home or pay overseas tuition fees, compare the quoted rate in-app before month-end.

Instant Loan: 100% interest cashback on your first 1-month loan

From 1 October to 31 December 2026, MariBank refunds the interest on your first 1-month Instant Loan, calculated as approved loan amount × (applicable interest rate ÷ 12), up to S$10,000. The cashback is credited within 90 calendar days after full, on-time repayment. Only borrow if you have a genuine short-term need and a clear repayment plan — a free first month does not make debt free afterwards.

Mari Invest has no ongoing promotion as at 4 October 2026, according to MariBank’s promotions page.

How to Stack MariBank Promotions as a New User

Because the referral cash, the savings bonus interest and the credit card welcome rewards are three separate promotions, a new customer who plans the order can collect all of them. Here is the sequence that makes sense in October 2026:

1. Apply for the Mari Credit Card Bundle with a referral code before 31 October. The bundle includes a Mari Savings Account and the card, and qualifies for the higher S$15 referral cash.
2. Fund the Mari Savings Account early. The 1.60% new user bonus runs only 30 days from account opening, so move your emergency fund in during that window rather than weeks later.
3. Put S$300 of non-Shopee spend on the card within 30 days of approval to unlock the S$30 welcome cashback. Use bills and groceries you would pay anyway.
4. Use the Shopee vouchers only on purchases you already planned. The S$15-off voucher has no minimum spend; the other two need S$60 and S$150 baskets.
5. Decide on the ongoing bonuses after month one. Salary crediting (+0.20%) is free if you can redirect at least S$500. ShopeeVIP (+0.40%) only pays if you were going to subscribe anyway.

Using the illustrative figures in the chart above — S$15 referral cash, S$30 welcome cashback, S$50.63 of first-month interest on S$20,000 at 3.08% p.a. — a new user who meets every condition collects roughly S$95.63 in cash and interest in the first month, plus up to S$50 in Shopee vouchers. Treat these as one-off sign-up gains rather than recurring income.

Are MariBank Promotions Worth It? Pros and Cons

What works well: MariBank’s promotions have unusually low friction. There is no minimum deposit or fall-below fee on the savings account, no minimum spend for the card’s cashback, and the referral cash is credited instantly. The flat 1.5% card cashback with no minimum spend is simpler than the category-and-cap rules on most bank cards.

What to watch: The 3.08% headline is a 30-day rate. After that, without ShopeeVIP and salary crediting, you are on the 0.88% p.a. base rate, so compare it against the fixed deposit and T-bill options you would otherwise use for idle cash. Several perks also tie you into the Shopee ecosystem. And all promotions run under MariBank’s T&Cs, which allow changes; one footnote on the card promotion page currently lists an approval window in 2027 that does not match the stated October–December 2026 promotion period, so check the full T&Cs in-app before relying on any specific date.

If you are comparing MariBank against Trust Bank and GXS for your main digital account, our ranking of the best digital bank in Singapore lays out the trade-offs, and the Trust Bank referral code (HTWYQP95) and GXS Bank referral code (YONG477) pages list those banks’ current sign-up rewards. For longer-term planning beyond your cash buffer, run your numbers through our Singapore retirement planning calculator.

Not financial advice. Promotions, rates and eligibility are set by MariBank and can change at any time; always read the latest terms and conditions on maribank.sg and in the MariBank app before applying.

Frequently Asked Questions

Open MariBank Before the October Referral Window Closes

Enter referral code 2DCT80WQ in the MariBank app to collect S$8–S$15 referral cash on top of the new user bonus interest.

Disclaimer: This article was researched and drafted with the help of AI tools and reviewed against MariBank’s official website (maribank.sg) on 4 October 2026. Promotions, interest rates and eligibility criteria change frequently. It is general information only, not financial advice. The Kopi Notes may earn a referral reward if you sign up using our referral code. Singapore dollar deposits are insured by SDIC up to S$100,000 per depositor per Scheme member.