Trust Bank vs GXS vs MariBank 2026: Which Digital Bank Referral Code Gives You the Best Sign-Up Bonus? (Code 2GG9T8K3)

If you're deciding which Singapore digital bank to open first — and you only want to use one referral code this month — here's a direct comparison of what Trust Bank, GXS, and MariBank are each offering right now. The Trust Bank code is 2GG9T8K3 if you decide that's the one.

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The short version

Trust Bank has the largest headline sign-up bonus of the three by a significant margin, particularly for the October 2026 window. GXS and MariBank have simpler offers with lower sign-up values but also lower barriers to entry.

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Trust Bank — code 2GG9T8K3 (until 31 Oct 2026)

Trust Bank Singapore Limited holds a MAS Digital Full Bank licence and is backed by Standard Chartered (60% stake) and NTUC FairPrice Group (40% stake). Launched in September 2022, it crossed 1 million customers by February 2025, making it Singapore's 4th-largest retail bank by customer count. SGD deposits are SDIC-insured up to S$100,000.

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The October 2026 sign-up bonus using referral code 2GG9T8K3:

❷ Credit card (Freedom or Trust Link): sure-win Golden Scratch Card for S$180, S$288, S$1,888, or S$8,000 cashback — no minimum spend, credited to card account within 24 hours of approval.

❸ Trust Freedom card in Miles mode: up to 100,000 Max Miles via spend tiers (S$1,000 → 20K miles, S$5,000 → 50K miles, S$15,000 → 100K miles), worth up to S$1,800 at HeyMax FlyAnywhere rates. Valid until 31 October 2026.

❹ Savings account: separate sure-win scratch card from S$8 to S$1,888 cashback.

Income requirement: minimum S$30,000/year for Singapore Citizens and PRs (S$60,000 for foreigners) to apply for the credit card.

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GXS Bank (backed by Grab & Singtel)

GXS is the other major digital bank in Singapore, jointly backed by Grab and Singtel. Its referral bonuses tend to be simpler: flat GrabRewards points or cash on account opening or first transaction. GXS is notable for having no minimum income requirement on some products, which makes it accessible to gig workers and part-time earners. The GXS FlexiCard is its primary credit product. Sign-up bonuses are periodically refreshed; as of the research date, the headline bonus is considerably smaller than Trust Bank's sure-win S$180+ card offer.

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MariBank (backed by Sea / Shopee)

MariBank is Sea Limited's digital banking arm in Singapore. Its sign-up bonuses are modest and typically tied to specific transaction activities rather than a headline scratch card system. It appeals primarily to Shopee users given ecosystem integration with ShopeePay and Sea's broader digital commerce platform. Income requirements apply for credit products.

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Which one should you pick in October 2026?

If your goal is maximum one-time sign-up value: Trust Bank's sure-win scratch card (minimum S$180 cashback, no spend required) and 100,000 Max Miles potential make it the clear winner for October 2026. No competitor comes close on headline bonus value this month.

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If income eligibility is a concern: GXS's lower income threshold may be relevant. Trust's credit card requires S$30,000+ annual income.

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If you're deeply embedded in the Shopee ecosystem: MariBank makes sense as your primary digital bank for loyalty integration, independently of sign-up bonus value.

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These are not mutually exclusive choices. All three banks are free to open and maintain (no monthly fees, no minimum balance on savings accounts). Many Seedly readers hold multiple digital bank accounts and route different spending accordingly.

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One important note about digital bank co-existence

Opening a Trust Bank account does not prevent you from also having GXS or MariBank accounts. Each bank's referral bonus is independent and tied to that bank's products only. If you want to double up, the sequence that most people on Seedly use is: Open Trust Bank for the bigger sign-up bonus → open GXS or MariBank if specific features (FlexiLoan, Shopee rewards) are relevant for you.

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Full October 2026 Trust Bank bonus tiers and code entry instructions at:

https://dlcuration.com/trust-bank-referral-code...

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Trust Bank referral code for October 2026: 2GG9T8K3 · Enter at "Get Started" screen · New customers only · T&Cs apply