MariBank Referral Code July 2026: 2DCT80WQ — Up to S$110 in Welcome Rewards
Your complete guide to the latest MariBank sign-up promotion, referral bonus, 7.7 birthday deals, and how to claim every dollar.
MariBank is offering up to S$110 in welcome rewards when you sign up using referral code 2DCT80WQ in July 2026. New users get S$10 referral cash plus upsized birthday bonuses — S$15 for a savings account or S$20 when you bundle the Mari Credit Card. On top of that, credit card sign-ups earn S$30 cashback and a S$50 Shopee voucher pack. MariBank’s savings account pays 0.88% p.a. with zero conditions.
Not financial advice. All figures are for educational reference only. Data verified as at July 2026 unless noted.
- Use referral code 2DCT80WQ when signing up — you get S$10 cash plus July birthday bonuses worth S$15–S$20
- Bundle the Mari Credit Card for the best deal: S$110 total in cash + Shopee vouchers, plus 2.88% p.a. fixed deposit rate
- MariBank pays 0.88% p.a. on your savings with no conditions — no salary credit, no minimum balance, no card spend needed
MARIBANK REFERRAL CODE
2DCT80WQ
Get S$10 referral bonus + up to S$100 in birthday & welcome rewards
Table of Contents
What Is the MariBank Sign-Up Promotion? (July 2026)
July 2026 is a particularly good time to open a MariBank account. The digital bank is celebrating its 7.7 birthday with upsized sign-up bonuses on top of its standard referral rewards.
Here’s what you get when you sign up with referral code 2DCT80WQ:
Mari Savings Account Only
| Reward | Value | Conditions |
|---|---|---|
| Referral Bonus | S$10 cash | Enter code 2DCT80WQ during sign-up |
| 7.7 Birthday Bonus | S$15 cash | Sign up in July 2026 |
| Fixed Deposit Promo | 2.88% p.a. (1 month) | Min S$5,000, max S$50,000 |
| Total Cash | S$25 | Plus bonus interest on FD |
Source: MariBank promotions page, July 2026
Mari Credit Card Bundle (Savings + Credit Card)
| Reward | Value | Conditions |
|---|---|---|
| Referral Bonus | S$10 cash | Enter code 2DCT80WQ |
| 7.7 Birthday Bonus | S$20 cash | Sign up for CC + savings in July |
| Welcome Cashback | S$30 cashback | Spend S$300 within 30 days |
| Shopee Voucher Pack | S$50 vouchers | Included with CC sign-up |
| Fixed Deposit Promo | 2.88% p.a. (1 month) | Min S$5,000, max S$50,000 |
| Total | S$110 (S$60 cash + S$50 vouchers) | Plus bonus FD interest |
Source: MariBank promotions page & 7.7 Birthday promo terms, July 2026
The 2.88% p.a. fixed deposit promotional rate is limited to the first 10,000 customers who open an account during July 2026. On a S$50,000 placement, that works out to roughly S$118 in interest for one month — a nice sweetener on top of the cash bonuses.
MariBank is also running additional 7.7 birthday perks for all users in July: 7% cashback on NETS SGQR hawker payments (capped at S$1 per transaction, max 4 rewards), and special Shopee deals. If you’re interested in how MariBank stacks up against other digital banks, check out our GXS vs Trust Bank vs MariBank comparison.
How to Use MariBank Referral Code 2DCT80WQ (Step-by-Step)
Setting up your MariBank account takes about 5 minutes. Here’s exactly how to claim the full welcome package:
Step 1: Download the MariBank app
The MariBank app is available on the App Store and Google Play. You can also use this direct sign-up link which automatically applies the referral code.
Step 2: Sign up for a Mari Savings Account
You’ll need your Singpass to verify your identity. During registration, enter the referral code 2DCT80WQ in the promo/referral code field. This is critical — you can’t add the code after your account is created.
Step 3: (Optional) Apply for the Mari Credit Card
If you want the full S$110 package, apply for the Mari Credit Card during or after your savings account setup. The credit card comes with no annual fee and 1.5% unlimited cashback, so there’s no downside to having it. MariBank will automatically open a savings account alongside your card if you haven’t already.
Step 4: Make a fixed deposit placement
To lock in the 2.88% p.a. promotional rate, place a fixed deposit of S$5,000 to S$50,000 within 30 days of opening your account. This promo is limited to the first 10,000 new customers in July, so don’t wait too long.
Step 5: Spend S$300 on your Mari Credit Card
To earn the S$30 welcome cashback, spend at least S$300 (excluding Shopee purchases) within 30 days of your card approval. The cashback is credited directly to your card. This step is only needed if you signed up for the credit card bundle.
Your referral bonus (S$10) and birthday bonus (S$15 or S$20) should be credited within a few days of successful account opening. For more details on the MariBank referral code programme, check our dedicated referral page.
MariBank Savings Account: Key Features
MariBank is one of Singapore’s three MAS-licensed digital banks, alongside GXS Bank and Trust Bank. It’s backed by Sea Group, the same company behind Shopee and Garena.
The Mari Savings Account pays 0.88% p.a. on your entire balance with absolutely no conditions. That means no salary credit requirement, no minimum balance, no card spend, and no lock-in period. Your interest is calculated daily and credited monthly.
| Feature | Detail |
|---|---|
| Interest Rate | 0.88% p.a. on all balances |
| Conditions | None — no salary credit, no minimum balance |
| Deposit Insurance | SDIC insured up to S$100,000 |
| Transfer Fees | Free local transfers (FAST/PayNow) |
| Overseas Transfers | Fees waived until 31 Dec 2026 |
| Daily Transfer Limit | Up to S$200,000 |
| Fall-Below Fee | None |
| Debit Card | Mari Debit Card included |
Source: MariBank official fees & rates page, effective 1 May 2026
MariBank also offers Mari Fixed Deposits with competitive rates across various tenors, Mari Invest (SavePlus, Income, Gold, and Singapore Equity portfolios), and free overseas remittances to 30+ countries. The ecosystem is growing fast — it’s no longer just a savings account.
For a no-fuss parking spot for your emergency fund or short-term savings, 0.88% p.a. with zero hoops to jump through is hard to beat. You can use the Singapore retirement calculator to see how even small interest rate differences compound over time.
Mari Credit Card: Key Features
The Mari Credit Card is one of the better no-annual-fee cashback cards in Singapore right now. Here’s what makes it worth considering:
1.5% cashback on everything. Local purchases earn unlimited 1.5% cashback with no minimum spend and no cap. For overseas purchases, you get 1.5% cashback with no foreign exchange fees — this promo runs until 31 December 2026.
Shopee integration. You earn 1.5 Shopee Coins per dollar on eligible Shopee purchases when you use Mari Credit Card Instant Checkout. If you’re already a Shopee user, this is a natural fit.
No annual fee, ever. Unlike most bank credit cards that waive the annual fee only for the first year or upon request, the Mari Credit Card has no annual fee period.
Instant cashback. Your cashback is credited the moment your transaction posts — no waiting for statement cycles or minimum redemption thresholds.
The card also comes with split payment and balance transfer features for those who need flexible repayment options. For everyday spending, the flat 1.5% cashback with no minimum makes it a solid secondary card at minimum.
MariBank vs GXS vs Trust Bank
Singapore’s three digital banks each have their strengths. Here’s how MariBank stacks up against GXS Bank and Trust Bank as at July 2026:
| Feature | MariBank | GXS Bank | Trust Bank |
|---|---|---|---|
| Base Savings Rate | 0.88% p.a. | 0.58% p.a. | Up to 2.5% p.a. (with conditions) |
| Conditions for Rate | None | None | NTUC membership + card spend |
| Credit Card | Mari CC (1.5% cashback) | No credit card | Trust Card (up to 6% cashback) |
| Fixed Deposit | Yes (various tenors) | GXS Invest | Yes |
| Investment Products | Mari Invest (5 portfolios) | GXS Invest | No |
| Overseas Transfers | 30+ countries (fees waived) | No | No |
| Deposit Insurance | SDIC (up to S$100K) | SDIC (up to S$100K) | SDIC (up to S$100K) |
| Backed By | Sea Group (Shopee) | Grab + Singtel | Standard Chartered + FairPrice |
| Best For | Shopee users, overseas transfers | Grab users, investing | NTUC members, groceries |
Source: Official bank websites, July 2026. Base rates shown — conditional tiers excluded for Trust Bank.
The short version: MariBank wins on unconditional savings rate (0.88% vs 0.58% for GXS without conditions), credit card cashback simplicity, and overseas transfers. Trust Bank can offer higher rates, but only if you’re an NTUC member and meet spending conditions. GXS is stronger on investment products through GXS Invest.
You don’t have to pick just one. Many Singaporeans open accounts at all three since they’re free — park emergency funds at MariBank, use Trust Card for groceries, and invest through GXS. For a deeper comparison, see our GXS vs Trust Bank vs MariBank guide.
Who Is MariBank Best For?
MariBank is ideal if you:
- Want a no-strings-attached savings rate — 0.88% p.a. without jumping through any hoops
- Use Shopee regularly and want cashback plus Shopee Coins on purchases
- Need to send money overseas affordably (30+ countries, fees currently waived)
- Want a solid no-annual-fee credit card with 1.5% flat cashback everywhere
- Prefer Shopee Pay as your e-wallet and want tighter integration
Consider other options if you:
- Are an NTUC member who can meet Trust Bank’s conditions for higher interest — Trust Bank can pay up to 2.5% p.a.
- Want a brokerage or active stock investing — moomoo Singapore or Interactive Brokers are better options
- Need to park more than S$100,000 — the SDIC insurance cap applies to all digital banks
Pros and Cons of MariBank
Pros
- Highest no-condition savings rate among digital banks — 0.88% p.a. beats GXS’s 0.58% base rate
- Strong credit card — 1.5% unlimited cashback with no annual fee and no FX fees
- Generous sign-up rewards — up to S$110 in July 2026 with referral code 2DCT80WQ
- Free overseas transfers — 30+ countries with fees waived until end-2026
- Growing product suite — Fixed deposits, Mari Invest, instant loans, split payments
- SDIC insured — your deposits are protected up to S$100,000
Cons
- Lower rate than conditional accounts — Trust Bank and traditional banks can offer more if you meet conditions
- App-only banking — no physical branches, though customer support is available via in-app live chat
- S$100K deposit cap — SDIC insurance only covers up to S$100,000 per depositor per bank
- 1.5% overseas CC cashback is a promo — the overseas cashback rate may change after 31 December 2026
- No joint accounts — only individual accounts are available currently
Frequently Asked Questions
What is the MariBank referral code for July 2026?
The MariBank referral code for July 2026 is 2DCT80WQ. Enter this code during registration when opening a new Mari Savings Account. You’ll receive S$10 in referral cash plus the July 7.7 birthday bonus of S$15 (savings only) or S$20 (credit card bundle). Use this sign-up link for the fastest way to apply.
Is MariBank safe and legitimate?
Yes. MariBank is licensed by the Monetary Authority of Singapore (MAS) as a digital full bank. Your deposits are protected by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000. MariBank is a subsidiary of Sea Group, the publicly-listed company (NYSE: SE) that also operates Shopee and Garena.
What is the MariBank savings account interest rate?
MariBank pays 0.88% p.a. on all balances as at July 2026. This is a flat rate with no conditions — no salary credit, no minimum balance, and no card spending required. Interest is calculated daily and credited monthly. New users in July can also get a promotional 2.88% p.a. fixed deposit rate for one month on S$5,000 to S$50,000.
Can I use the MariBank referral code after signing up?
No. The referral code 2DCT80WQ must be entered during the sign-up process before your account is created. You cannot add or change the referral code after registration is complete. Make sure to enter it in the promo/referral code field when prompted during the account opening flow.
How does MariBank compare to GXS Bank and Trust Bank?
MariBank offers the highest unconditional savings rate at 0.88% p.a. compared to GXS Bank’s 0.58% p.a. base rate. Trust Bank can offer up to 2.5% p.a. but requires NTUC membership and card spending. MariBank also has a credit card (1.5% unlimited cashback) and overseas transfers, which GXS lacks. Trust Bank has stronger grocery cashback through NTUC FairPrice. Many Singaporeans open all three since they’re free.
What do I need to open a MariBank account?
You need to be a Singapore Citizen or Permanent Resident aged 18 and above with a valid Singpass. Download the MariBank app, verify your identity with Singpass, and enter referral code 2DCT80WQ during registration. The entire process takes about 5 minutes. No minimum deposit is required to open the account.
What is the MariBank 7.7 birthday promotion?
MariBank’s 7.7 birthday celebration in July 2026 includes upsized sign-up bonuses (S$15–S$20 extra cash for new users), 7% cashback on NETS SGQR hawker payments, 7.7% off Shopee purchases on 7 July, and a S$10,000 total cash prizes giveaway. These birthday rewards stack with the standard referral bonus when you use code 2DCT80WQ.
Does MariBank charge any fees?
No. MariBank charges no account maintenance fees, no fall-below fees, and no local transfer fees. Overseas transfer fees are currently waived until 31 December 2026. The Mari Credit Card has no annual fee. The only potential costs are standard SMS notification fees (which you can opt out of) and late payment charges on the credit card.
Ready to Open Your MariBank Account?
Use referral code 2DCT80WQ to get up to S$110 in welcome rewards this July.
Not financial advice. Promotions are subject to MariBank’s terms and conditions. Data verified as at July 2026.
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.
