MariBank Has an Investment Account Most People Have Not Heard Of — Here Is What It Actually Does (Referral Code 8ZUU96EA)

Most people who open MariBank do it for the savings account. They see the referral bonus, collect the cash, set the account to earn interest, and move on. What they miss is that MariBank runs an investment product suite — Mari Invest — that is genuinely different from anything else a Singapore bank currently offers at the same entry point.

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This post covers what Mari Invest actually is, how the three products inside it differ, and why the Mari Invest Bundle sign-up path is worth knowing about if you are a first-time investor or someone who wants to keep cash and investing in the same app.

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What Mari Invest Is (and Is Not)

Mari Invest is not a robo-advisor. It does not build or rebalance a personalised portfolio. It does not offer CPF OA or SRS integration. If you want managed global ETF portfolios, Endowus, Syfe, or StashAway are more appropriate.

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What Mari Invest is: a low-barrier access point to specific MAS-authorised unit trust funds, accessible through the MariBank app with a minimum investment of S$1 and zero platform or sales charges. There are currently three products inside it:

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1. Mari Invest SavePlus

A low-risk fund investing primarily in MAS Bills (around 60%) and high-quality bond funds. It is Singapore's first bank-offered investment account to provide instant cash-out — you can withdraw to your Mari Savings Account immediately, subject to a S$10,000 daily cap. The fund is managed by Lion Global Investors, one of Southeast Asia's largest asset managers with over 37 years of history, in collaboration with MariBank. Assets under management crossed S$953.3 million as of 31 December 2024 — a signal of how much uptake it has had.

The instant cash-out feature makes this meaningfully different from most unit trust investments, which typically require 1–3 business days to redeem. For people who want potentially higher returns than a savings account without losing liquidity, this is the product to know about.

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2. Mari Invest Income

A monthly-payout fund providing access to the PIMCO GIS Income Fund Admin SGD Hedged — Inc share class, which invests in global bonds. As of 31 December 2024, the fund had an annualised dividend yield of 6.49% and an annualised return of 4.09% p.a. Designed for investors seeking steady monthly income rather than capital growth. The instant cash-out feature is not available for this product — redemptions take the standard processing time.

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3. Mari Invest Singapore Equity

Launched in April 2026 as part of MAS's S$6.5 billion Equity Market Development Programme (EQDP). The product distributes the Amova Singapore Dividend Equity Fund SGD Class, managed by Amova Asset Management Asia Limited (formerly Nikko Asset Management Asia Limited). The fund invests primarily in SGX-listed equities, including non-STI stocks, targeting a monthly distribution of 5%–7% p.a. of NAV per unit. Minimum investment: S$1. No transaction fees.

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ⓘ All Mari Invest products carry investment risk. Past returns are not indicative of future results. Payouts are not guaranteed and may be made from income and/or capital. These are not SDIC-insured products — unlike the Mari Savings Account.

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How Mari Invest Differs From Robo-Advisors

People often compare MariBank's investment products to Endowus, Syfe, or StashAway. The comparison is only partially apt.

Robo-advisors build diversified multi-asset portfolios, rebalance automatically, and offer CPF OA / SRS access (Endowus) or goal-based planning tools. They are appropriate for investors who want a managed, long-term approach to wealth growth.

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Mari Invest gives you curated access to specific funds — one at a time — with very low friction. It suits:

• First-time investors who want to try unit trust investing at S$1 with no commitment
• Cash savers who want to put idle funds into something marginally higher-yield than a savings account, with the ability to pull out instantly (SavePlus)
• Income-seekers who want a monthly payout from a globally diversified bond fund (Income)
• SGX equity investors who want exposure to Singapore dividend stocks from S$1 (Singapore Equity)

It is not a substitute for a diversified robo-advisor portfolio. For most investors, it works alongside one — not instead of it.

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The Mari Invest Bundle: What It Means for Your Sign-Up Bonus

When you open MariBank for the first time, you select a product path during the application. The Mari Invest Bundle is one of the four eligible paths under the September 2026 referral promotion.

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Choosing the Mari Invest Bundle means you open both a Mari Savings Account and a Mari Invest account in a single application. The referral bonus for this path is S$10 cash, credited instantly on approval — the same as the standalone Mari Savings Account path. If you are income-eligible for the Mari Credit Card, the Credit Card Bundle path pays S$15 and includes additional welcome rewards.

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Referral code: 8ZUU96EA

Enter this in the "Have a Referral / Promo Code?" field during the application — before the Singpass step. It cannot be applied retroactively.

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Promotion period: 1–30 September 2026 · Cap: first 10,000 successful referrals

Full guide and current reward breakdown: dlcuration.com/maribank-referral-code.html

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Who Should Look at the Mari Invest Bundle Path

The Mari Invest Bundle is worth considering if:

• You want savings and investing in one app with no platform fees
• You are curious about unit trust investing and want to start with S$1, not S$1,000
• You want instant liquidity from your "investment" portion — SavePlus's same-day cash-out is genuinely rare
• You are a Shopee regular who already keeps cash in the MariBank ecosystem

The bundle does not restrict you. You can open via the Mari Invest Bundle path and never actually invest — the Mari Savings Account operates independently. But if you have any interest in the investment products, opening the bundle path at sign-up means everything is available in one account without needing to apply separately later.

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Quick Sign-Up Guide for September 2026

1. Download the MariBank app
2. Tap Sign Up → register with Singapore mobile number
3. Select Mari Invest Bundle (for S$10 referral + investment access) or Mari Credit Card Bundle (for S$15 referral + credit card + investment can be added later)
4. Enter 8ZUU96EA in the "Have a Referral / Promo Code?" field
5. Complete Singpass / MyInfo verification → submit
6. Tap Claim on your Savings Account page to activate the bonus interest promotion (up to 2.88% p.a. for new users in the first 30 days)
7. Navigate to the Mari Invest tab to explore SavePlus, Income, and Singapore Equity products

Closes 30 September 2026. Capped at 10,000 referrals.

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Not financial advice. All Mari Invest figures are for educational reference only. Investment products carry risk including possible loss of principal. Past performance and payout history are not indicative of future results. Verify current fund details, fees, and terms in the MariBank app before investing.