Trust Bank Savings Account Referral Code 2GG9T8K3: Interest Rates + What You Actually Get

Referral Code: 2GG9T8K3

If you're opening a Trust Savings Account without a credit card, here's the honest breakdown of what interest you'll earn and why the sign-up scratch card promo doesn't apply to savings-only applications this round.

Trust Savings Account Basics

No minimum balance required
No fall-below fees, no account-keeping fees
Interest calculated daily, credited monthly
Comes with a linked debit card — useful if you don't meet the credit card income requirement
Fully digital sign-up via Singpass MyInfo, no branch visit

Interest Rate Structure

Base interest rate applies to your full balance with no hoops
Bonus interest tiers may apply depending on activity such as salary crediting or minimum card spend — check the current rate card in-app, as this is reviewed periodically and changes without much notice
No cap on the base rate tier, unlike some competing digital bank savings accounts that only pay bonus rates on a capped first S$50k–S$75k

Important: The Scratch Card Promo Requires a Credit Card

This month's Golden Scratch Card reward (S$18–S$8,000) is tied to a Trust Freedom Card or Trust Link Card application — a standalone savings account sign-up does not trigger it. If you want both the interest rate and the scratch card, apply for the savings account as part of a bundled application alongside the credit card, not on its own.

Who Should Open Savings-Only

Anyone under the minimum income threshold for a credit card (S$30,000/year Citizens & PRs, S$60,000/year foreigners)
Students or first jobbers building a digital banking foundation before qualifying for a card
People who want to park emergency funds somewhere with no fees and daily interest, without taking on a new credit line

How to Apply

Download the Trust Bank SG app
Enter referral code 2GG9T8K3 at the very first screen (still worth doing even without the credit card reward — some savings-linked perks may still apply)
Verify via Singpass MyInfo
Select Savings Account and submit
Fund your account via PayNow or FAST transfer once approved

FAQ

Is there any sign-up bonus for savings-account-only applicants?

This round's headline scratch card promo doesn't cover savings-only sign-ups — check the app for any smaller standalone savings promos that may run separately.

Is my money insured?

Yes, SDIC-insured up to S$100,000 per depositor.

Can I upgrade to a credit card later using the same account?

Yes, you can apply for a Freedom or Trust Link Card afterward, though it will be treated as a separate application.

Referral Code: 2GG9T8K3

Download the app and enter the code at sign-up, even for a savings-only account.

Rates and terms subject to change — confirm current figures in the Trust Bank app before applying.

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