yik chun Lim

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Maribank referral code 2026: 8YVT49VP - MariBank 3.08% Interest Rate November 2026

Maribank referral code 2026 is 8YVT49VP.

MariBank is currently offering up to 3.08% p.a. interest on its Mari Savings Account, with interest credited daily.

But here's something important: not everyone gets 3.08%, and the maximum rate doesn't last forever.

I've broken down the interest rates, eligibility requirements, and how much you can actually earn with S$10,000 in savings.

Plus, if you're new to MariBank, there's also a referral promotion available in November 2026.

💰 MariBank Interest Rate November 2026 – Full Breakdown

The maximum 3.08% p.a. consists of four components:

Here's how you qualify for each bonus.

1️⃣ Base Interest – 0.88% p.a.

Everyone with a Mari Savings Account earns the prevailing 0.88% p.a. base interest.

✅ No minimum deposit

✅ No minimum spending required

✅ No fall-below fees

✅ Interest calculated and credited daily

This is useful if you want a straightforward digital savings account without needing to spend on a credit card.

2️⃣ New User Bonus – Extra 1.60% p.a.

New MariBank customers can enjoy an additional 1.60% p.a. for the first 30 days after successfully opening their Mari Savings Account.

That means new customers can earn:

0.88% + 1.60% = 2.48% p.a.

Even without ShopeeVIP or salary crediting, that's a promotional rate worth considering.

⚠️ Important: The additional 1.60% lasts only 30 days, not the whole year.

3️⃣ ShopeeVIP Bonus – Extra 0.40% p.a.

If you're already subscribed to ShopeeVIP, you may qualify for another 0.40% p.a.

Requirements include:

Maintaining an active ShopeeVIP subscription.
Linking your Shopee account with your Mari Savings Account.
Claiming the bonus interest through the MariBank app.

With the new user bonus, your total rate can reach:

0.88% + 1.60% + 0.40% = 2.88% p.a.

Remember to tap Claim in the app. The ShopeeVIP bonus cannot be backdated for days before you claim it.

4️⃣ Salary Crediting Bonus – Extra 0.20% p.a.

You can unlock another 0.20% p.a. by crediting an eligible salary payment of at least S$500 to your Mari Savings Account.

The qualifying transaction must meet MariBank's salary-crediting requirements.

Combine everything, and you get:

0.88% + 1.60% + 0.40% + 0.20% = 3.08% p.a. 🎉

For existing customers, the maximum rate is 1.48% p.a. when both the ShopeeVIP and salary-crediting conditions are fulfilled.

📊 How Much Interest Can You Actually Earn?

Let's say you deposit S$10,000 into MariBank.

Here's an approximate comparison over 30 days:

Interest Rate| Interest for 30 Days 0.88% p.a.| S$7.23 2.48% p.a.| S$20.38 2.88% p.a.| S$23.67 3.08% p.a.| S$25.32

These are simplified calculations assuming a constant S$10,000 balance and that the stated rate applies throughout all 30 days. Actual interest may differ because of bonus qualification dates, daily crediting and compounding.

Remember: 3.08% is an annualised rate, not 3.08% earned in one month.

So if you qualify for the full 3.08% for 30 days, your S$10,000 would earn approximately S$25, not S$308.

🎁 MariBank Referral Code November 2026 – Get Extra Cash Rewards

If you haven't opened a MariBank account yet, you can also take advantage of its November referral promotion.

My MariBank Referral Code: 8YVT49VP

Under the November 2026 promotion, eligible new customers can receive:

S$8 cash when successfully applying for a Mari Savings Account or Mari Invest Bundle.
S$15 cash when successfully applying for an eligible Mari Credit Card Bundle or Instant Loan Bundle.

The November referral promotion runs from 1 to 30 November 2026, subject to eligibility requirements and promotional limits.

How to Use the MariBank Referral Code

Download the official MariBank app.
Start your application for an eligible MariBank product.
Look for the Referral / Promo Code field.
Enter 8YVT49VP.
Complete your application and wait for approval.

Make sure you enter the referral code correctly before submitting your application.

The referral reward is separate from the savings account's bonus interest promotion, and each has its own terms and conditions.

🏦 Is MariBank Worth Opening in November 2026?

Here are a few things worth considering.

What I like about the offer:

✅ Up to 2.48% p.a. for new users during their first 30 days, without needing ShopeeVIP or salary crediting.

✅ Up to 3.08% p.a. if all promotional conditions are met.

✅ Interest credited daily.

✅ No minimum account balance or fall-below fee.

✅ Eligible SGD deposits are insured by SDIC up to S$100,000 per depositor per Scheme member, aggregated across deposits.

Things to consider:

⚠️ The 1.60% new user bonus expires after 30 days.

⚠️ Getting 3.08% requires additional conditions, including ShopeeVIP membership and salary crediting.

⚠️ ShopeeVIP is a paid subscription, so consider whether its cost is worthwhile.

⚠️ Interest rates and promotions may change.

Personally, I think the most important thing is to look beyond the 3.08% headline and decide whether the ongoing rate suits your savings needs.

❓ Frequently Asked Questions

Q: Is MariBank really offering 3.08% interest in November 2026?

Yes, eligible new customers can earn up to 3.08% p.a. by fulfilling all the promotional conditions.

Q: How long does the 3.08% interest last?

The additional 1.60% p.a. new user bonus applies for the first 30 days after successful account opening. After that, the maximum rate under the current promotion is 1.48% p.a., assuming you qualify for both ongoing bonuses.

Q: Do I need ShopeeVIP to earn bonus interest?

No. New customers can receive the 1.60% p.a. welcome bonus without ShopeeVIP, subject to eligibility.

Q: When is the MariBank bonus interest promotion ending?

The current Mari Savings Account Bonus Interest Promotion is scheduled to run until 31 December 2026, subject to MariBank's terms.

Q: Can I use a MariBank referral code and receive bonus interest?

Eligible customers may qualify for both promotions, subject to their respective terms.

✅ Final Thoughts

MariBank's 3.08% p.a. promotional interest rate is quite attractive for new customers, especially if you're already a ShopeeVIP subscriber and can credit your salary.

However, the biggest bonus only lasts for 30 days, so it's worth comparing the ongoing rates with other savings accounts before deciding.

If you're planning to open a MariBank account this November, remember to check whether you're eligible for the referral promotion too.

🎁 MariBank Referral Code: 8YVT49VP

Official sources:

MariBank Savings Account: https://www.maribank.sg/product/mari-savings-account
MariBank Promotions: https://www.maribank.sg/promo
MariBank Referral Terms: https://www.maribank.sg/promotion-terms

Disclosure: I may receive a referral reward if you successfully sign up using my code. All rates, promotions and rewards are subject to MariBank's terms and conditions. This post is for informational purposes and is not financial advice.

What do you think of MariBank's current interest rates? Are you using MariBank, GXS, Trust Bank, or another savings account? Feel free to share! 😊

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