Trust Bank Referral Code 2026: HTWYQP95

Get S$35 cashback when you sign up for Trust Bank Singapore using referral code HTWYQP95. Singapore’s first digital bank backed by Standard Chartered & FairPrice Group.

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Trust Bank Referral Code: HTWYQP95

The Trust Bank referral code for Singapore is HTWYQP95. Enter this code during sign-up to receive a cashback reward credited to your Trust Bank account. This is one of the simplest sign-up bonuses available for Singapore digital bank accounts in 2026 — no minimum spend, no complex tiers.

Not financial advice. Referral bonus terms may change — always verify current offer in the Trust Bank app before signing up. Data as at April 2026.

How to Use the Trust Bank Referral Code

Using the Trust Bank referral code HTWYQP95 takes less than 5 minutes. Follow these steps:

1. Download the Trust Bank app — available on iOS App Store and Google Play Store. Search “Trust Bank”.
2. Tap “Sign Up” and enter your NRIC or FIN number. You must be a Singapore resident aged 18 and above.
3. Enter referral code HTWYQP95 when prompted during the sign-up flow. This is the step most people miss — look for the “Referral Code” field before completing registration.
4. Complete identity verification — Trust Bank uses MyInfo or manual document upload. The SingPass-linked MyInfo route takes under 2 minutes.
5. Receive your cashback — the S$35 reward is credited to your Trust Bank account once eligibility conditions are met.

Tip: Make sure to enter the code before completing sign-up. You cannot add a referral code retroactively once the account is opened.

What You Get with the Referral Code

Using referral code HTWYQP95 gives you a S$35 cashback credited directly to your Trust Bank account. Beyond the sign-up bonus, Trust Bank offers:

• Trust Savings Account — competitive interest rates tiered by balance, FairPrice-linked bonuses for NTUC members
• Trust Credit Card — cashback on FairPrice Group spending (FairPrice supermarkets, Unity, Cheers, Kopitiam)
• No annual fee on the credit card for the first year
• Instant transfers via PayNow — no fee for peer transfers
• MAS-licensed — deposits insured up to S$75,000 under SDIC

For Singapore investors focused on passive income, Trust Bank’s savings account can complement a dividend portfolio by parking emergency funds at a competitive rate. Pair it with a retirement calculator to see how your full cash position fits into your retirement plan.

Eligibility & Terms

To qualify for the Trust Bank referral bonus using code HTWYQP95, you must meet these criteria as at April 2026:

• Must be a new Trust Bank customer — existing customers are not eligible
• Must be a Singapore citizen, PR, or EP/S Pass holder aged 18 and above
• Must have a valid Singapore mobile number and NRIC/FIN
• Referral code must be entered during the sign-up process — not after account opening
• Bonus is subject to Trust Bank’s current promotional terms — verify in-app before signing up

Always check the Trust Bank app for the latest terms as referral bonus amounts and conditions are updated periodically.

About Trust Bank Singapore

Trust Bank is Singapore’s first digital bank, launched in September 2022 as a joint venture between Standard Chartered (one of Singapore’s oldest international banks) and NTUC FairPrice Group (Singapore’s largest supermarket cooperative). This backing makes Trust Bank unique among Singapore’s digital banks — it carries the credibility of a 150-year-old bank combined with the everyday spending integration of NTUC’s retail ecosystem.

Trust Bank holds a full banking licence from the Monetary Authority of Singapore (MAS) and deposits are protected under the Singapore Deposit Insurance Corporation (SDIC) scheme up to S$75,000 per depositor. This makes it one of the safest digital banking options available to Singapore residents.

For investors building a passive income portfolio in Singapore, Trust Bank can serve as a high-yield savings vehicle for your cash component. Compare it against other platforms in our guide to earning passive income in Singapore 2026.

How Trust Bank Compares to Other Digital Banks

Singapore has several digital banking options worth comparing before you sign up:

If you shop regularly at FairPrice, Unity, or Kopitiam, Trust Bank offers the most direct cashback rewards of any Singapore digital bank. For robo-advisor investing to grow your money further, see our comparison of Endowus and Syfe — both offer referral bonuses for new Singapore investors.

Looking to grow your savings beyond a digital bank account? Our Best S-REITs Singapore 2026 guide covers dividend-paying REITs yielding 5–7% — significantly more than any savings account rate.

Frequently Asked Questions

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