MariBank's July Birthday Promo: Worth Signing Up For? Here's the Quick Rundown

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Sharing this because a few people asked me about MariBank's current promo — figured I'd break down the essentials without the fluff.

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Referral code: 8ZUU96EA

Valid till: 31 July 2026

Guide: dlcuration.com/maribank-referral-code.html

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The gist:

MariBank sweetened their referral rewards for their birthday this month. Same code works across all their account types, so pick whichever suits you:

• Savings account only — S$15
• Invest bundle — S$15
• Credit card bundle — S$20 (the one most people should go for)
• Loan bundle — S$20
• Business account (new) — S$28, paid out instantly

Why the credit card bundle is the pick of the bunch

Beyond the S$20 referral cash, new cardholders can also stack:

• S$30 cashback (min. S$300 spend within 30 days, Shopee excluded)
• S$50 in Shopee vouchers
• 2.88% p.a. one-month FD rate on S$5,000–S$50,000 deposits

That's roughly S$100 in combined value if you go all in.

Don't lose your reward — 3 things to get right

1. Enter the code before you submit your application — it can't be added afterward
2. You need to be a first-time MariBank customer (even old, closed accounts disqualify you)
3. The credit card bundle must be applied for as one single application, not savings-then-card separately

Sign-up is quick

Download the app → pick your bundle → enter 8ZUU96EA in the promo code field → verify via SingPass → done in about 10 minutes.

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The honest take on rates

MariBank's base savings rate (0.88% p.a.) isn't going to beat OCBC 360, DBS Multiplier, or UOB One if you already qualify for their bonus tiers. The real draw this month is the sign-up rewards and the short-term FD rate — not the everyday interest rate. Treat it as a "grab the perks, then decide" move rather than a long-term parking spot.

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MariBank is MAS-licensed and SGD deposits are SDIC-insured up to S$100,000, so no concerns there.

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Disclosure: referral code included above — if you sign up and get approved, we both get a reward. Not financial advice, just what I found useful.

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Happy to help if anyone's deciding between this and GXS/Trust Bank — drop a comment!