Trust Bank Referral Code — What's Actually Different About the August 2026 Run (Code: 2GG9T8K3)

If you looked into Trust Bank's referral programme earlier this year and moved on, a few things have changed since then that are worth knowing before you assume you already have the full picture. Here's what's new, what's the same, and what's worth double-checking before you sign up.

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What's changed recently

The Freedom Card's Stockback rate — 3% on both local and foreign eligible spend — is confirmed running through 31 December 2026, after which it steps down to 2% on local spend and 0.5% on foreign spend from 1 January 2027. If you were on the fence about picking Stockback as your quarterly reward, this is genuinely a better window than what comes after it.

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TrustInvest, their in-app US stocks and ETFs trading feature, has extended its zero-commission window to 31 December 2026 based on the most current information on Trust's own site — earlier promotional materials from around launch had referenced a shorter window, so if you read an older post quoting a mid-2026 cutoff, that's since been extended.

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The current sure-win Golden Scratch Card promo (S$18 to S$8,000 cash, or up to USD 8,000 in stock) for new credit card customers is confirmed running through 31 October 2026 — worth acting within this window if the scratch card upside is your main draw.

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What's stayed consistent

• The core referral mechanic itself: refer a friend into a credit card, get a scratch card worth S$50–S$8,000; refer them into a savings account instead, get S$8–S$1,888
• No cap on how many friends you can refer
• The requirement that your friend be genuinely new to Trust, with no prior account history
• The code-must-go-in-first rule — this hasn't relaxed and I wouldn't expect it to

What to actually double-check before you sign up, regardless of what any post (including this one) tells you

Promo end dates and reward tiers on referral programmes like this one get updated periodically, sometimes without much fanfare. Before you commit, it's worth a quick check of the in-app promo banner or Trust's official Refer and Earn page to confirm the specific numbers I've quoted here haven't shifted since this was written. I'd rather point you to verify than have you rely on a screenshot that's quietly gone stale.

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If the current terms work for you

1. Download the Trust Bank SG app
2. Enter referral code 2GG9T8K3 at the very first "Get Started" screen — before any personal information
3. Apply for the Freedom Card if you want the Stockback window while it's still at 3%, the Trust Link Card if FairPrice/Caltex spend matters more to you, or the Savings Account if you're not ready for a credit card yet
4. Reveal your scratch card under Rewards → Quests once approved

👉 Referral Code: 2GG9T8K3

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If anyone's spotted a change to these terms since this was posted, flag it in the comments — these promos genuinely do shift monthly and I'd rather this stay accurate than stale.