Trust Bank Referral 2026: HTWYQP95 — S$50 Bonus, 3.5% Interest & Full Promo Guide

Use Trust Bank referral code HTWYQP95 when you sign up to unlock up to S$50 cash bonus and enjoy 3.5% p.a. on your Trust Bank savings account. This guide covers how the referral works, the current promos, and how Trust Bank compares to other Singapore digital banks — so you can decide if it’s worth opening an account in 2026.

Not financial advice. Referral bonus T&Cs apply. Data accurate as at May 2026.

Trust Bank is Singapore’s first digital bank, launched by Standard Chartered and FairPrice Group in 2022. As of 2026, it offers one of the highest base interest rates among Singapore’s digital banks — making its referral programme highly sought after.

If you’re looking for the Trust Bank referral code, here it is: HTWYQP95. Enter it when you sign up for a Trust Bank account and you’ll be eligible for up to S$50 cash bonus, depending on the current promotion.

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Trust Bank Referral Code 2026

The current Trust Bank referral code for Singapore is:

This referral code is valid for new Trust Bank account sign-ups in 2026. Enter it during the app registration process in the “Referral Code” field to qualify for the current bonus.

Quick facts:

• Referral code: HTWYQP95
• Bonus: Up to S$50 cash (tiered based on qualifying spend)
• Who qualifies: New Trust Bank customers only
• Bank backing: Standard Chartered + FairPrice Group

How the Trust Bank Referral Works

Trust Bank’s referral programme is straightforward. Here’s how it works step by step:

1. Get the referral code — Use HTWYQP95 (from this page) or get a code from an existing Trust Bank customer.
2. Download the Trust Bank app — Available on iOS App Store and Google Play.
3. Sign up for a Trust Bank account — You’ll need your Singpass to complete the KYC process.
4. Enter the referral code during sign-up — Look for the “Referral Code” field in the app registration flow.
5. Meet the qualifying spend/deposit criteria — Trust Bank typically requires a minimum spend or deposit within 30 days of account opening to unlock the bonus.
6. Receive your cash bonus — Credited directly to your Trust Bank account, usually within 30–60 days of qualifying.

Both the referrer (the person who shared the code) and the referee (new customer) typically receive a bonus, though the amount can vary by campaign.

Current Trust Bank Promotions — May 2026

Trust Bank runs rolling promotions throughout the year. Here are the main offers available in May 2026:

Always verify the latest T&Cs on the Trust Bank website before signing up, as promotions are subject to change.

Trust Bank Interest Rates 2026

Trust Bank offers a tiered interest rate structure through its Trust Savings account. The base rate starts at 3.5% p.a. on the Flexi account — one of the highest among Singapore’s digital banks in 2026. Here’s a simplified breakdown:

For comparison, MariBank’s savings rate is ~2.7% p.a. and GXS Bank’s FlexiDeposit offers up to 3.48% p.a. — making Trust Bank competitive but not dramatically higher than its peers.

See our full guide: Trust Bank Singapore Review 2026

Trust Bank vs MariBank vs GXS Bank — 2026 Comparison

Here’s how Trust Bank stacks up against the other Singapore digital banks in 2026:

Verdict: Trust Bank is best for NTUC FairPrice shoppers who want FairPrice Linkpoints, a decent interest rate, and a generous referral bonus. MariBank edges ahead on no-conditions base interest rate (2.7% p.a. with no hoops). GXS is ideal for Grab/Singtel users.

Related: MariBank Referral Code 2026 | MariBank S$20 Bonus Guide

How to Sign Up for Trust Bank with Referral Code HTWYQP95

1. Download the Trust Bank app from the App Store or Google Play Store. Search for “Trust Bank SG”.
2. Open the app and tap “Get Started”. You’ll need your Singapore NRIC or Singpass login.
3. Complete the KYC process — verify your identity via Singpass MyInfo for the fastest approval (usually instant).
4. When prompted for a referral code, enter HTWYQP95. This is typically on the last screen before account creation.
5. Activate your Trust Bank Visa debit card — the physical card arrives in 5–7 business days.
6. Meet the qualifying criteria — usually a minimum spend within the first 30 days (check app for current terms).
7. Receive your bonus — credited within 30–60 days of qualifying.

Tip: If you’re opening a Trust Bank account primarily for the interest rate, make sure to also credit your salary or make 5+ card transactions per month to unlock the full bonus interest tier.

Other Singapore Platform Referral Codes 2026

While you’re setting up your financial accounts, here are referral codes for the top Singapore investment and savings platforms — all verified and updated for 2026:

Frequently Asked Questions

Ready to Earn Your S$50 Bonus?

Sign up for Trust Bank today using referral code HTWYQP95 and start earning 3.5% p.a. interest on your savings — plus FairPrice Linkpoints on every spend. Takes 5 minutes with Singpass.