MariBank vs GXS vs Trust Bank Referral Codes: Which Digital Bank Sign-Up Bonus Pays More in 2026?

Got asked which Singapore digital bank's referral program is actually worth bothering with right now, so here's how MariBank stacks up against GXS and Trust Bank this cycle — since a lot of people end up signing up for more than one anyway.

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MariBank — referral code 8ZUU96EA

• S$8–S$15 cash per referral depending on product (Savings, Invest Bundle, Credit Card Bundle, Instant Loan Bundle)
• Up to S$100 extra in credit card welcome rewards
• Up to 2.88% p.a. daily interest on the Savings Account (Shopee VIP promo)
• S$28 instant reward for referring a business owner (Mari Business Account)
• SDIC insured up to S$100,000

GXS Bank

• Referral rewards and savings pocket interest rates vary by promo cycle — check GXS's current terms, as their structure differs from a flat cash-per-referral model
• Also SDIC insured, digital-only, no physical branches

Trust Bank

• Typically ties rewards to NTUC vouchers and card spend rather than straight cash-to-bank
• Backed by Standard Chartered and NTUC Enterprise, with cashback tied to NTUC/FairPrice spend

What actually decides which is "better" for you:

1. Want cash in hand fastest? MariBank's referral cash lands directly in your Mari Savings Account post-approval — one of the more straightforward payout structures among the three
2. Want the highest short-term interest? Compare the current promotional rate on each bank's savings product on the day you're applying — these change monthly across all three, so whatever's ranked "best" this week may not be next month
3. Refer a business owner? MariBank's S$28 instant SME referral is a specific niche the others don't clearly compete on right now

Since all three are separate banks with separate SDIC coverage, a common strategy is to just sign up for more than one and spread savings across them rather than picking a single "winner." If you're starting with MariBank, the full referral breakdown and infographic is here — worth checking the live T&Cs on all three before deciding, since promo terms shift month to month.