MariBank Referral Code 2026: Get S$20 Bonus + 2.7% p.a. Savings

Use the MariBank referral code 2DCT80WQ when signing up to claim your S$20 welcome bonus and earn up to 2.7% p.a. on your savings. Updated May 2026.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Always verify current rates and promotions directly with MariBank before applying.

MariBank is Singapore’s fully digital bank backed by Sea Limited — the company behind Shopee and Garena. Since launching in 2023, it has steadily built a loyal user base with its no-frills savings account offering competitive interest rates and a simple referral programme that rewards both the referrer and the new customer.

In this guide, we cover the MariBank referral code for 2026, how to claim your S$20 bonus, a breakdown of the current 2.7% p.a. savings rate, and how MariBank compares to Trust Bank and other digital banks in Singapore.

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MariBank Referral Code 2026

The current MariBank referral code for 2026 is 2DCT80WQ. Enter this code when signing up for a new MariBank account to receive a S$20 cash bonus deposited directly into your MariBank savings account after completing the qualifying requirements.

How to Claim Your S$20 Bonus: Step-by-Step

Claiming your MariBank referral bonus is straightforward. Here is the process as at May 2026:

1. Download the MariBank app from the App Store or Google Play.
2. Open the app and tap “Sign Up” — you will need your Singpass to verify identity.
3. Enter the referral code 2DCT80WQ when prompted during registration.
4. Complete your account setup — this takes about 5 minutes with Singpass MyInfo.
5. Make an initial deposit of at least S$20 into your MariBank savings account.
6. Keep the funds deposited for the qualifying period (typically 30 days).
7. Receive your S$20 cash bonus credited directly to your account.

Pro tip: Leave your funds in MariBank to earn the 2.7% p.a. savings rate while waiting for your bonus. On a S$5,000 balance, that is roughly S$11.25 per month in interest — on top of your referral bonus.

MariBank Savings Rate 2026: 2.7% p.a.

As at May 2026, MariBank offers a 2.7% p.a. savings rate on all balances — no salary crediting, no minimum spend, no tiered conditions. This is one of the simplest high-yield savings accounts in Singapore.

MariBank’s flat 2.7% p.a. with zero conditions makes it ideal as an emergency fund account or a parking spot for short-term savings. For long-term wealth building, pairing MariBank with a robo-advisor like Endowus gives you both liquidity and growth.

MariBank vs Trust Bank: Which is Better in 2026?

Both MariBank and Trust Bank are Singapore’s leading digital banks, each with distinct advantages. Here is a side-by-side comparison:

Verdict: If you want the highest no-fuss savings rate, MariBank wins at 2.7% p.a. with zero conditions. If you spend heavily at FairPrice or are an NTUC member, Trust Bank’s higher referral bonus and loyalty ecosystem may suit you better. Many Singapore investors hold both accounts.

See our full Trust Bank Singapore review or grab the Trust Bank referral code here.

Key Features of MariBank Singapore (2026)

MariBank has expanded its product range significantly since its 2023 launch. Here are the key features Singapore savers should know:

• MariBank Savings Account: 2.7% p.a. flat rate on all balances, no minimum balance, instant account opening via Singpass.
• Mari Instant Loan: Personal loans up to S$20,000 at competitive rates, fully digital application. Read our MariBank loan review.
• Mastercard Debit Card: Contactless payments, Apple Pay and Google Pay supported, no annual fee.
• Shopee Integration: Earn extra cashback when you pay with MariBank on Shopee and SeaMoney platforms.
• SWIFT Transfers: International transfers supported — see our MariBank SWIFT code guide (MRKKSGSG).
• Zero Fees: No fall-below fees, no monthly service charges, no FAST transfer fees.

Is MariBank Safe? SDIC Protection Explained

Yes, MariBank is regulated by the Monetary Authority of Singapore (MAS) and is a full bank licence holder under the MAS Digital Bank Framework. Your deposits are protected by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor — the same protection as DBS, OCBC, and UOB.

MariBank is a wholly-owned subsidiary of Sea Limited (NYSE: SE), which also owns Shopee and Garena. Sea Limited is listed on the New York Stock Exchange with a market capitalisation of over US$30 billion as at May 2026. CIMB Group also holds a stake in MariBank’s operations.

For investors worried about digital bank safety, MariBank is as safe as any traditional bank for deposits up to S$100,000. Beyond that threshold, consider spreading funds across accounts at different institutions.

More Singapore Referral Bonuses Worth Claiming

While your MariBank account earns 2.7% p.a. on cash savings, consider pairing it with these platforms for long-term wealth building:

Frequently Asked Questions

Final Verdict: Should You Use the MariBank Referral Code?

Yes — if you are a new MariBank customer, using referral code 2DCT80WQ costs you nothing and gets you a free S$20 bonus. Combined with MariBank’s market-leading 2.7% p.a. flat savings rate, it is one of the easiest wins in Singapore personal finance right now.

For a broader Singapore investment strategy, we recommend pairing your MariBank savings account with a diversified portfolio. Consider using your cash savings in MariBank as an emergency fund (3–6 months expenses), while investing the remainder in S-REITs, REIT ETFs, or a retirement portfolio via Endowus or Syfe.

This article was last updated on 25 May 2026. Rates and promotions are subject to change — always verify the current offer directly with MariBank.