MariBank Invite Code 8ZUU96EA + 3.08% p.a. Daily Interest — Is It Still Worth It in Sep 2026?

Short answer: yes, depending on what you're optimising for.

Invite code: 8ZUU96EA (1–30 Sep 2026)

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Here's the honest picture on MariBank's savings account and why some people still rate it despite the lower base rate.

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The interest rate breakdown:

• Base rate: 0.88% p.a. (effective January 2026)
• With bonus interest promotions: up to 3.08% p.a.
• Interest calculated daily, credited daily — not monthly, not quarterly
• No minimum balance, no salary crediting requirement, no spend conditions

Where MariBank wins:

Daily crediting is a genuine edge over traditional fixed deposits, which lock your money for a fixed term. The "what you see is what you get" structure — no hoops, no tiers to fulfil — suits people who don't want to juggle multiple banks to hit bonus rate requirements.

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Where it's less competitive:

If you're willing to salary-credit and hit minimum spend thresholds, accounts like UOB One, OCBC 360, or DBS Multiplier can offer higher effective rates. MariBank doesn't currently require those steps, but it also won't reward you extra for doing them (except via the separate Salary Switch promotion running till 30 Sep 2026, which pays S$50 one-time cash plus 0.20% p.a. bonus interest for first-time salary crediting).

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Stacking with the referral:

New users who enter 8ZUU96EA and also credit their salary before 30 Sep 2026 can potentially collect:

• S$10–S$15 referral cash (depending on product)
• S$50 Salary Switch one-time cash
• 0.20% p.a. Salary Crediting Bonus Interest ongoing

These two promotions run on separate T&Cs and do not conflict.

Deposits are insured by SDIC up to S$100,000. MariBank is MAS-licensed.

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Details + infographic: https://dlcuration.com/maribank-referral-code.html