MariBank Referral Code 2026: Get Up to S$68 Cashback
Updated May 2026 | Not financial advice | Data sourced from MariBank.sg
Looking for the latest MariBank referral code? You’re in the right place. MariBank — the digital bank backed by Sea Limited (the parent company of Shopee) — has quickly become one of Singapore’s most popular savings accounts, offering competitive interest rates and a seamless app experience.
In this guide, we cover the current MariBank referral code, how to claim the welcome bonus, how the interest rates stack up in 2026, and whether it’s worth opening an account.
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MariBank Referral Code 2026
The current MariBank referral code is available on our dedicated referral page. Use it when signing up to unlock the new customer welcome bonus on top of the standard interest rate.
MariBank launched in Singapore in 2022 as a digital-only bank under the Sea Group umbrella. It targets everyday consumers and small business owners, with its savings account being the flagship product for retail depositors.
As at May 2026, the referral programme rewards both the referrer and the new account holder, making it one of the better two-sided referral deals among Singapore digital banks.
Welcome Bonus: What Do You Get?
MariBank’s welcome offer for new sign-ups using a referral code typically includes a combination of cashback and bonus interest. Here’s the current deal structure (as at May 2026):
| Benefit | Details |
|---|---|
| Welcome Cashback | Up to S$68 for new MariBank account holders |
| Base Interest Rate | Up to 2.88% p.a. on savings |
| Bonus Interest (Promo) | +1.00% p.a. bonus for the first 3 months (promo period) |
| Effective Rate | Up to 3.88% p.a. during promo |
| MAS SDIC Insured | Yes — up to S$100,000 per depositor |
* Always check MariBank.sg for the latest T&Cs. Promotions may change without notice.
How to Use the MariBank Referral Code
Claiming the MariBank referral bonus is straightforward. Here’s the step-by-step process:
- Click the referral link from our MariBank referral code page — this pre-loads the referral ID.
- Download the MariBank app from the App Store (iOS) or Google Play Store.
- Register with your Singpass — MariBank uses MyInfo for identity verification, making setup quick.
- Enter the referral code if prompted, or ensure you clicked from a valid referral link.
- Deposit funds to activate the welcome cashback. Most bonuses require a minimum first deposit (typically S$500–S$1,000 — check current T&Cs).
- Cashback is credited within 30–60 days after meeting the qualifying criteria.
Pro tip: Stack the MariBank welcome bonus with your existing emergency fund — earn 3%+ interest while your cash stays fully liquid and SDIC-insured.
MariBank Interest Rates 2026
MariBank’s savings rate has been one of the more competitive among Singapore digital banks. Here’s how the rate tiers work as at May 2026:
| Balance Tier | Interest Rate (p.a.) | Notes |
|---|---|---|
| S$0 – S$10,000 | 2.88% | Standard rate |
| S$10,001 – S$50,000 | 2.88% | No tiered drop |
| Above S$50,000 | Check MariBank app | May apply lower tier |
| New Customer Promo | Up to 3.88% | First 3 months via referral |
For a side-by-side rate comparison with T-bills and SSBs, use our free T-Bill, SSB & Fixed Deposit Comparison Calculator.
MariBank vs Other Singapore Digital Banks
How does MariBank compare to other popular savings options in Singapore? Here’s a quick snapshot as at May 2026:
| Platform | Type | Rate / Return | SDIC? |
|---|---|---|---|
| MariBank | Digital Bank Savings | 2.88–3.88% p.a. | ✅ Yes |
| Endowus Cash Smart | Money Market / Cash | ~3.0–3.5% p.a. | No (fund risk) |
| Syfe Cash+ | Cash Management | ~3.0–3.3% p.a. | No (fund risk) |
| FSMOne | Brokerage + Cash A/C | Varies by product | Partial (SGX CCP) |
| Singapore T-Bill (6M) | Gov’t Security | ~3.5–3.8% p.a. | ✅ Backed by SG Gov’t |
Our take: MariBank’s SDIC insurance makes it ideal for your emergency fund allocation (S$20,000–S$50,000 range). For longer-horizon savings, consider pairing with a compound interest calculator to model how your savings grow across different platforms.
Is MariBank Safe? SDIC Coverage Explained
Yes — MariBank is a licensed digital bank regulated by the Monetary Authority of Singapore (MAS) and its deposits are insured by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor.
This puts MariBank on the same safety footing as traditional banks like DBS, OCBC, and UOB for deposits up to S$100,000. For most retail savers, this is more than sufficient coverage for an emergency fund or short-term savings allocation.
For a deeper dive into whether MariBank makes sense as a savings vehicle, read our full retirement planning guide.
Other Singapore Referral Bonuses Worth Claiming (May 2026)
While you’re optimising your financial stack, these platforms all have active referral bonuses worth claiming in 2026:
Referral bonuses are subject to change. Always verify current terms at each provider’s website before signing up.
Frequently Asked Questions
What is the MariBank referral code for 2026?
The current MariBank referral code is available on our dedicated MariBank referral code page. We keep it updated with the latest promos and cashback amounts. Using our referral link directly pre-loads the code so you don’t have to enter it manually.
How much can I get with the MariBank referral bonus?
As at May 2026, new MariBank account holders using a referral code can earn up to S$68 in cashback, plus a bonus interest rate of up to 3.88% p.a. for the first 3 months. The exact amount depends on the deposit amount and fulfilment of qualifying criteria.
Is MariBank SDIC insured?
Yes. MariBank is a MAS-licensed digital bank in Singapore. Deposits are insured by SDIC up to S$100,000 per depositor, the same as traditional banks like DBS and OCBC.
Can I use MariBank with CPF?
No — MariBank is a cash savings account only and does not accept CPF funds. For CPF-linked investing, consider platforms like Endowus, which is MAS-licensed and approved for CPF investing. Read more in our CPF investment strategy guide.
What is MariBank's interest rate in 2026?
MariBank offers up to 2.88% p.a. as the standard base rate on its savings account in 2026. New customers using a referral code during promotional periods can earn up to 3.88% p.a. for the first 3 months. Always check the MariBank app for the latest rate, as it may be updated in line with MAS benchmark rate movements.
How does MariBank compare to Syfe Cash+ and Endowus Cash Smart?
MariBank offers SDIC deposit insurance, making it safer for emergency fund use. Syfe Cash+ and Endowus Cash Smart invest in money market funds — they typically offer comparable yields but carry fund-level risk (not deposit insurance). For pure capital preservation, MariBank’s insured savings account is hard to beat at 2.88–3.88% p.a.