MariBank Referral Code [8ZUU96EA] — Birthday Upsized: S$20 Cash (MCC Bundle) + S$28 Instant for Business Owners + Full Conditions Guide (Jul 2026)

MariBank's July 2026 birthday promotion upsizes the referral rewards across all tiers. Sharing my referral code with a full honest breakdown — including the conditions that determine whether the reward actually pays out.

​

Referral code: 8ZUU96EA
Promotion period: 1–31 July 2026

Full step-by-step guide and FAQ →

​

What's new in July 2026 vs previous months

• MCC Bundle reward upsized from S$15 to S$20 each
• New path added: Mari Business Account at S$28 each, credited instantly — no waiting period
• Same referral code 8ZUU96EA works across all four personal banking tiers

The four referral tiers — pick the right one

The same amount lands in both your account and your friend's account per successful referral. Higher-tier products pay more.

​

01 — Mari Savings Account

• Standalone account, no bundle required
• S$15 each (you and your friend)

02 — Mari Invest Bundle

• Includes a Mari Savings Account
• S$15 each

03 — Mari Credit Card Bundle (recommended for most)

• Savings account + Mari Credit Card in one bundled application
• S$20 each
• Unlocks up to S$80 in credit card welcome rewards (details below)

04 — Instant Loan Bundle

• Savings account + instant personal loan
• S$20 each

NEW — Mari Business Account

• For business owners only, new MariBank customers
• S$28 each — credited instantly
• No waiting period, separate from the personal banking tiers above

Additional rewards on the MCC Bundle path

On top of the S$20 referral cash:

• Up to S$80 in Mari Credit Card welcome rewards — S$30 cashback on min. S$300 spend (excl. Shopee) within 30 days of card approval + S$50 Shopee voucher pack
• 2.88% p.a. promotional rate on Mari Fixed Deposit for one month on new placements of S$5,000–S$50,000

Combined new user value on the MCC Bundle path: up to S$100 (S$20 referral cash + S$30 cashback + S$50 Shopee vouchers), before Fixed Deposit interest.

​

DLCuration bonus draw

After signing up with code 8ZUU96EA, email [email protected] with the subject:
MariBank Referral Sign Up - last 4 digits of your phone number - date of sign-up

You'll be entered into:

• Monthly draw — up to S$5 in vouchers (Amazon Gift Card, NTUC FairPrice, Sheng Siong, or CapitaLand Mall)
• Annual grand draw — up to S$50 in vouchers, automatic entry for all monthly participants

Funded entirely by DLCuration, separate from MariBank's referral programme.

The conditions that determine whether the reward pays out

​

These are the ones that cost people their reward when missed:

⚠️ The referral code field cannot be fixed after submission. Enter 8ZUU96EA in the "Referral / Promo Code?" field before tapping submit on your first MariBank application. A wrong code or blank field = no reward for either party. No workaround exists after submission.

⚠️ New MariBank customers only. You must not have held any MariBank Personal Banking product — Mari Savings Account, Mari Credit Card, Mari Invest Account — at any point prior to the current promotion, including closed accounts.

⚠️ Apply for the MCC Bundle as a single application. Applying for the savings account first and then the credit card separately does not qualify for the S$20 bundle reward or the credit card welcome rewards. It must be one bundled application.

⚠️ Using this referral code makes you ineligible for other MariBank promo codes during the promotion period. Third-party offers — Shopee vouchers, Mastercard promotions — remain available.

⚠️ Mari Business Account referral: Your friend must be a new MariBank customer applying for their first MariBank Personal Banking product, or a new business owner applying for a Mari Business Account. The S$28 is credited instantly upon successful approval.

​

How to sign up — exact steps

• Download the MariBank app (App Store or Google Play)

• Tap "Sign Up" and select the Mari Credit Card Bundle application (for the S$20 tier)

• In the "Referral / Promo Code?" field, enter: 8ZUU96EA
  

• Complete via SingPass/MyInfo — fully digital, no branch visit required

• Reward credited after approval, notified via in-app notification

Application takes approximately 10–12 minutes.

​

Is MariBank safe?

MariBank Singapore Private Limited is a fully MAS-licensed digital bank backed by Sea Limited (Shopee and Garena parent). Singapore dollar deposits are SDIC-insured up to S$100,000 per depositor — the same protection as DBS, OCBC, and UOB. The Mari Savings Account has a maximum deposit cap of S$100,000. Foreign currency deposits and investment products are not SDIC-insured.

​

Honest rate comparison — where MariBank's savings rate actually sits

The Mari Savings Account base rate of 0.88% p.a. sits below:

• OCBC 360 / DBS Multiplier / UOB One for salaried employees meeting conditions (~2.0–2.45% p.a. realistic)
• CIMB FastSaver (up to 1.50% p.a., no conditions)
• Current 6-month T-bill yield (~1.40% p.a.)

The compelling use case for MariBank in July 2026 is the 2.88% p.a. one-month Fixed Deposit for new users, and the MCC Bundle welcome rewards package — not the base savings rate. Most people will use MariBank for the sign-up rewards and the FD promotion, then reassess.

​

Disclosure: This post contains a referral code. If you sign up using 8ZUU96EA and your application is approved, I receive a referral benefit and so do you — S$15 or S$20 depending on which path you choose, or S$28 for a Mari Business Account referral. All details are sourced from MariBank's official July 2026 Birthday Upsized Rewards T&Cs. The DLCuration monthly and annual draws are funded entirely by DLCuration, separate from MariBank's referral programme. MariBank Singapore Private Limited is licensed and regulated by MAS. Deposits SDIC-insured up to S$100,000. Not financial advice.

​

Happy to answer questions about which tier to choose, the MCC Bundle application process, or how MariBank compares to GXS, Trust Bank, or Chocolate Finance in the comments.