Trust Bank vs. MariBank vs. GXS Referral Codes (Aug 2026): Which One's Worth Signing Up For First

Trust Bank Referral Code: 2GG9T8K3

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If you're deciding which Singapore digital bank to sign up for this month, here's how the current referral promos actually stack up — not just on paper rewards, but on what each bank does well long-term.

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Referral Rewards This Month

• Trust Bank (code 2GG9T8K3): Guaranteed scratch card, S$18 to S$8,000, on approval of a Trust Freedom Card or Trust Link Card. No minimum spend.
• MariBank: S$8 for a Savings Account/Invest Bundle, S$15 plus up to S$100 in extra rewards for the Credit Card Bundle.
• GXS Bank: Referral promos vary month to month — check GXS's current in-app terms, as they don't run a fixed guaranteed-tier structure like Trust or MariBank right now.

Trust's uncapped-upside scratch card is the standout this round, but the guaranteed floor (S$18) is actually lower than MariBank's guaranteed S$15/S$8 flat cash — so if you want certainty over a lottery-style upside, MariBank's flat cash may suit you better.

Where Each Bank Actually Wins Long-Term

• Trust Bank: Best if you shop FairPrice/NTUC regularly (Trust Link Card) or want to dollar-cost-average into US stocks through everyday spend (Freedom Card Stockback)
• MariBank: Best flat-rate credit card cashback (1.5% unlimited, no category restrictions) and zero FX fees with bonus overseas cashback
• GXS: Strongest for small-business or freelancer banking use cases, given its focus on the GXS FlexiLoan and business account features

Can You Sign Up for Both?

Yes — there's no rule against holding accounts at multiple Singapore digital banks, and referral rewards are bank-specific, so you can claim the Trust scratch card and a MariBank cash reward in the same month if you qualify for both.

Suggested Order If You're Doing All Three

1. Trust Bank first, for the uncapped scratch card upside while this promo is live (ends 31 Oct 2026)
2. MariBank next, for the guaranteed cash plus its everyday cashback card
3. GXS last, mainly if you have a specific use case like a side business or FlexiLoan need

FAQ

Does signing up for one bank affect my eligibility for another? No, these are separate institutions with separate referral programmes.

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Which has better customer support? All three are app-only with in-app chat support; response times vary and aren't something a referral post can meaningfully compare.

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Is there a downside to holding all three? Just the usual — more accounts to track, and potential temptation to over-spend chasing multiple cashback structures.

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Trust Bank Referral Code: 2GG9T8K3 Enter it at the very first "Get Started" screen when you download the Trust Bank app.

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Reward terms for all three banks are subject to change — confirm current figures in each app before applying.