Referral Codes · Banking
MariBank referral code for Singapore
What MariBank’s referral really pays this month, the conditions the app’s banner leaves out, and how long the 3.08% lasts.
MariBank referral code, from MariBank’s November 2026 terms, read 9 Nov 2026
MariBank referral code 2ZNR79HT gives a new customer S$8 cash for a Mari Savings Account or Mari Invest bundle, or S$15 for a Mari Credit Card or Instant Loan bundle, if the application is approved by 30 November 2026.
Type it into “Referral / Promo Code?” on your first application. MariBank pays nothing if that field is left empty or wrong.
2ZNR79HTWe earn from this. The code is from our editor’s personal MariBank account, and MariBank pays that account the same S$8 or S$15 you get. No other site’s code would change what you receive: the amounts are set by MariBank.
Seven things the promo banner doesn’t tell you
MariBank’s help page promises the cash “instantly”. Its terms for November are more careful, and where the two disagree the terms say they win.
- “Instantly” isn’t a promise. MariBank’s help page says instantly. Its terms say no later than 2 months after the promotion ends, so as late as end-January 2027.
- “Cash” comes with a limit. Clause 5.6 says the reward can’t be withdrawn or moved to another MariBank or Shopee account. The terms don’t say how that works once it sits in your balance, and we haven’t tested it, so treat it as money that stays in the account.
- You get one go at the field. Leave “Referral / Promo Code?” empty or mistype it on your first application and neither of you is rewarded.
- The account has to stay open. Close it within 6 months of the promotion’s end, so before the end of May 2027, and MariBank can withdraw the cash or debit it back.
- “Before 1 November” decides who’s new. You must not have had any MariBank personal banking account before that date, and this must be your first successful application.
- A referral rules out MariBank’s own promo codes for the promotion period. Offers from others, such as Shopee or Mastercard, still work.
- It stops at 10,000. Only the first 10,000 successful referrals across everyone are paid, and approval is what counts, not the day you apply.
Until 17 November: the MariBank app also advertises a S$30 no-minimum Shopee voucher for new users, available on Shopee. MariBank’s referral terms say a code doesn’t stop you using offers from Shopee or Mastercard. We haven’t seen the voucher’s own conditions.
From MariBank’s Refer & Get Rewarded (Nov 2026) terms, last updated 15 Oct 2026, and its referral help page, read 9 Nov 2026.
What each product pays under November’s terms, and what it asks of you
| You apply for | Cash, you and referrer each | Must stay open to end-May 2027 |
|---|---|---|
| Mari Savings Account | S$8 | The savings account |
| Mari Invest bundle | S$8 | Investment and savings accounts |
| Mari Credit Card bundle | S$15 | Credit card and savings account |
| Instant Loan bundle | S$15 | Loan, credit card and savings account |
You get one reward, not a stack. The Invest bundle pays the same as a plain savings account while adding an investment account, which isn’t covered by deposit insurance. A card application is also subject to MariBank’s approval, and new-to-card rewards of up to S$80 have their own terms, separate from this cash.
How the “up to 3.08%” is built
| Part | Rate a year | Who gets it |
|---|---|---|
| Base | 0.88% | Everyone, no minimum deposit |
| New user | +1.60% | First 30 days after opening only |
| ShopeeVIP | +0.40% | Active subscription, Shopee account linked, bonus claimed in the app |
| Salary | +0.20% | If you credit your salary to MariBank |
So 3.08% lasts 30 days at most, and only with all three bonuses. On day 31 a person with no ShopeeVIP and no salary here earns 0.88%. Before moving savings for the bonus, compare it with fixed deposit rates and T-bills.
From MariBank’s bonus interest page and rates page. Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Why you’ll see different amounts elsewhere
MariBank issues separate referral terms each month: September, October and November 2026 each have their own document. A post from another month may be right about its month and wrong about this one, which is why forum threads quote different amounts for the same product. The month’s terms are the only thing worth checking. We read each new set when it comes out and change this page to match.
Questions
Does it matter whose code I use?
Not for the amount. MariBank sets the reward, so every valid code pays you the same. The code decides only who else gets paid.
What does a real MariBank referral code look like?
Eight letters and numbers, starting with a number, per MariBank’s terms. Ours is 2ZNR79HT.
Where does the money go, and can I spend it?
Into your Mari Savings Account. Clause 5.6 says it can’t be withdrawn or transferred, so don’t count on taking it out. Clause 5.7 lets MariBank claw it back if the savings account closes before the end of May 2027.
I already have a Mari Savings Account. Can I use a code to open a credit card?
No. The reward is for new personal banking customers on their first successful application.
Is MariBank a real bank?
MariBank Singapore states that it is licensed by the Monetary Authority of Singapore, and that it’s a Deposit Insurance Scheme member.
How we know this
We read the November terms document, all nine pages, and MariBank’s help and rates pages on 9 Nov 2026. The code is from our editor’s personal account, where the app lists this promotion for 1 to 30 Nov 2026. We haven’t watched a referral pay out yet, so timing here is what MariBank promises rather than what we’ve seen. This page describes offers and isn’t advice on which bank product suits you.