Trust Bank Referral Code FAQ: Everything You Need to Know (Code: 2GG9T8K3)

Referral Code: 2GG9T8K3

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Answers to the questions that actually come up in the comments on these referral threads, compiled into one place.

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The Basics:

What is the current Trust Bank referral code? 2GG9T8K3, valid for the Golden Scratch Card promo running 13 Aug – 31 Oct 2026.

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What do I get for using it? A guaranteed scratch card worth S$18 to S$8,000 cash upon approval of a Trust Freedom Card or Trust Link/NTUC Link Card. No minimum spend required.

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Where do I enter the code? At the very first "Get Started" screen in the Trust Bank SG app, before any personal details are requested.

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Can I add the code after I've already signed up? No. Once your application is submitted, the code field is locked — there's no way to retrofit it, even through customer support.

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Eligibility:

Who qualifies for the referral reward? Anyone who is completely new to Trust Bank Personal Banking — no prior savings, invest, or credit card account, even a closed one.

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Do I need a minimum income? For the Trust Freedom Card: S$30,000/year for Citizens and PRs, S$60,000/year for foreigners. Savings accounts have no income requirement.

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Does a savings-account-only application qualify for the scratch card? No — this specific promo requires a credit card application.

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Can I apply for both the Freedom Card and Trust Link Card and get two scratch cards? No, only one scratch card is issued per person regardless of how many products you apply for.

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The Reward Itself:

Do I get cash or stock? Cash by default. If you select Stockback as your Trust Freedom Card reward, the equivalent USD value is delivered in fractional shares instead (NVIDIA, Microsoft, Apple, Amazon, Alphabet, Meta, or Tesla).

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When does the scratch card appear? Under Rewards → Quests, after your application is approved — not immediately on submission.

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What's the actual chance of getting a high-tier reward? Trust doesn't publish exact odds publicly; the tiers span S$18/28/88/288/888/8,000, and like any sure-win scratch card structure, the vast majority of recipients land on the lower tiers.

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The Card Itself:

What's the difference between the Trust Freedom Card and Trust Link Card? Freedom offers a choice of 3% Stockback, 1.5% flat cashback, or up to 15% Bonus cashback in a chosen category. Trust Link earns NTUC Linkpoints with strong FairPrice Group savings instead.

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Is there an annual fee? No, neither card charges an annual fee.

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Are there foreign transaction fees? No, both cards waive FX fees.

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Trust & Safety

Is Trust Bank a real bank? Yes — Trust Bank Singapore Limited holds a MAS Digital Full Bank licence and is backed by Standard Chartered and FairPrice Group.

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Is my money protected? Yes, SDIC-insured up to S$100,000 per depositor.

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Referral Code: 2GG9T8K3 Download the Trust Bank app and enter the code at the very first screen.

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Promo period: 13 Aug – 31 Oct 2026. T&Cs apply — confirm current terms in-app before applying.