MariBank Referral Code 2026: 2DCT80WQ

Use referral code 2DCT80WQ when signing up for MariBank to unlock your welcome bonus. Singapore’s Sea-backed digital bank with up to 3.21% p.a. savings interest.

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MariBank Referral Code 2026: 2DCT80WQ

The active MariBank referral code for 2026 is 2DCT80WQ. Enter this code during registration to qualify for MariBank’s welcome bonus offer. MariBank is backed by Sea Limited (the parent of Shopee and Garena) and holds a full digital banking licence from MAS. Its savings account currently offers one of the most competitive base interest rates among Singapore digital banks — up to 3.21% p.a. — with no minimum balance requirements.

MariBank is available exclusively to Singapore citizens and permanent residents aged 18 and above. The app is available on both iOS and Android, and sign-up takes under 10 minutes with your Singpass.

Not financial advice. All figures are for educational reference only. Data as at Q1 2026 unless noted.

What Is MariBank?

MariBank is Singapore’s newest MAS-licensed digital bank, fully owned by Sea Limited — the technology conglomerate behind Shopee, the region’s largest e-commerce platform, and Garena, the gaming arm. Sea received one of only four full digital banking licences granted by MAS in 2022, and MariBank officially launched to the public in 2023.

Unlike traditional banks, MariBank operates entirely through its mobile app — there are no physical branches or ATMs. It focuses on simplicity: a single high-yield savings account with transparent interest rates, instant fund transfers via PayNow, and seamless integration with the Shopee ecosystem. For Singapore retail investors and savers, MariBank is particularly attractive as a cash management layer — parking idle capital at competitive rates while keeping funds liquid.

MariBank deposits are protected under the Singapore Deposit Insurance Corporation (SDIC) scheme up to S$100,000 per depositor, giving it the same safety net as any traditional Singapore bank. This makes it a low-risk option for emergency funds, short-term savings goals, or as a complement to your investment portfolio. If you are building a passive income strategy with S-REITs or REIT ETFs, a MariBank savings account is a useful place to hold your cash allocation.

MariBank Savings Interest Rates

MariBank’s savings account offers tiered interest rates. As at Q1 2026, the structure is as follows:

Interest is calculated daily and credited monthly — a significant advantage over fixed deposits, which lock your money away. There are no salary crediting requirements, no minimum spend conditions, and no bonus hoops to jump through. What you see is what you get.

For Singapore investors looking to optimise their cash holdings alongside a CPF strategy, MariBank’s liquidity and rate make it a strong complement. You can read more about CPF optimisation in our CPF investment strategy guide or use our CPF OA/SA allocation calculator to understand how much to deploy into investments versus keep in cash.

How to Use the MariBank Referral Code

Follow these steps to apply referral code 2DCT80WQ and claim your welcome bonus:

1. Download the MariBank app from the App Store (iOS) or Google Play Store (Android).
2. Tap “Sign Up” and log in with Singpass MyInfo to auto-fill your personal details.
3. Enter referral code 2DCT80WQ when prompted during the registration flow.
4. Complete identity verification — typically done automatically via Singpass. You may need to take a selfie for liveness check.
5. Activate your account by making an initial deposit via PayNow or bank transfer.
6. Meet any bonus criteria (e.g. minimum deposit amount or holding period as specified in the current promotion terms).

The referral bonus is typically credited within 30 days of meeting all eligibility conditions. Always check the MariBank app for the latest promotion terms, as bonus amounts and conditions may change.

MariBank vs Other Digital Banks & Cash Options in Singapore

How does MariBank stack up against other popular cash management options in Singapore?

MariBank’s key advantage is its simplicity and instant liquidity. You don’t need to credit a salary, transact on a credit card, or meet any spending conditions. For a plain savings account with zero friction, its rate is hard to beat. If you want higher yields and are comfortable with a 1–2 day withdrawal window, Syfe Cash+ or Endowus Cash Smart may offer marginally better returns. Use our retirement planning calculator to model how different cash rates affect your long-term wealth accumulation.

MariBank Pros & Cons

Pros:

• Competitive savings rate up to 3.21% p.a. — no hoops, no salary crediting required
• SDIC-insured up to S$100,000 — same protection as DBS, OCBC, UOB
• Instant fund transfers via PayNow
• Simple, clean app experience — ideal for those who dislike complex banking products
• No minimum balance and no fall-below fees
• Backed by Sea Limited — financially strong, MAS-regulated entity

Cons:

• No debit card or physical card (as at Q1 2026) — purely a savings account
• Rate is slightly lower than money market funds (e.g. Syfe Cash+, Endowus Cash Smart)
• Limited product range compared to full-service banks — no investments, loans, or insurance yet
• Only available to Singapore citizens and PRs (no employment pass holders)

Frequently Asked Questions

Maximise Your Singapore Savings & Investments

Pair your MariBank savings with higher-return investments to build real passive income.