Trust Bank Referral Code 4JHCWD35: Golden Scratch Card Promo Sign-Up Bonus (Updated Guide)

I was getting confused by all the different Trust Bank referral posts claiming you get $35, $1000, $1888 or even $8,000. I personally verified and went straight to the official Trust terms to figure out exactly what new users actually get today.

Here is the no-nonsense breakdown of what you get, plus my verified code: 4JHCWD35

The Short Version

Download the Trust Bank SG app, enter4JHCWD35 right at the start, and you are guaranteed a scratch card. The value of your card depends on whether you open a Savings Account or a Credit Card. Usage Warning Pro Tip! Beware as Trust counts your first product as the reward trigger. If you want the higher scratch card tier (up to $8,000), apply for the Credit Card first!!

The Actual Rewards

Many posts mix up what the referrer gets with what you get. Here is what YOU actually get as a new customer signing up today:

For Credit Cards (Freedom or Link Card): A sure-win scratch card worth anywhere from $18 up to $8,000 in cash/stockback.
For Savings Accounts: A sure-win scratch card worth $8 up to $1,888.

Note: There is absolutely no minimum spend required to unlock this sign-up gift.

4 Steps to Guarantee Your Scratch Card

If you miss step 2, you forfeit the bonus entirely.

Download the Trust Bank SG app from your app store.
Tap "Get Started". Stop here. Before entering any personal details, the app asks if you have a referral code. Enter4JHCWD35 here.
Authenticate quickly using Singpass MyInfo.
Once your account is instantly approved, navigate to the Rewards → Quests tab to scratch your card!

The #1 Mistake That Voids the Bonus

You must be a strictly new customer. If you have ever held a Trust savings account, credit card, or investment account in the past (even if you closed it), you will not qualify for the welcome scratch card.

Quick FAQ

Is this code currently active Yes, this code is active and valid for the current promotional period. I've personally verified the terms and condition on trustbank.sg(https://trustbank.sg wesbite.)

Do I have to choose between the Savings Account or Credit Card apply for the Credit Card first!! Trust counts your first product as the reward trigger. If you want the higher scratch card tier (up to $8,000).

Do I need to spend anything to unlock the scratch card? No minimum spend needed.

Is Trust Bank safe? Yes, they are MAS licensed, backed by Standard Chartered and FairPrice Group, and deposits are SDIC-insured up to S$100k.

Personally Verified Code: 4JHCWD35

(Let me know in the replies below what amount you managed to scratch!!)

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DigitalBanker

1d ago

Download the Trust Bank SG app.
Tap “Get Started”. Before entering your personal details, the app will ask if you have a referral code — enter 4JHCWD35.
Complete the application using Singpass MyInfo.
Once your account is approved, go to Rewards → Quests to check and redeem any eligible referral reward.

Tip: Enter the referral code before completing your application, and always check the latest Trust Bank promo terms as rewards and eligibility may change.

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DigitalBanker

2d ago

If anyone is looking for a Trust Bank referral code, you can use 4JHCWD35 during sign-up for up to $8000 bonus rewards.

I’ve personally used Trust Bank in Singapore, and the application process is done through the Trust Bank SG app. After downloading the app, tap “Apply Now” for the product you want to sign up for, and you should be prompted to enter a referral code during the application.

Trust Bank referral code: 4JHCWD35

Do check the latest referral reward, eligibility criteria and terms in the Trust app or on Trust Bank’s official website, as promotions can change over time.

Disclosure: This is my personal referral code, so I may also receive a referral reward if your application qualifies.

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