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Seen the same handful of questions asked repeatedly across different threads, so consolidating them here with code 8ZUU96EA.
"Is S$8/S$15 per person, or split between us?"
Per person. You get S$8–S$15, your friend gets the same amount separately — it's not split.
"Does it work if I already have a MariBank Savings Account but not a Credit Card?"
Yes — you'd qualify fresh for the Credit Card Bundle reward since eligibility is assessed per product tier, not per customer overall. Just make sure it's your first application for that specific tier.
"What if I forgot to key in the code?"
No retroactive fix, unfortunately — MariBank is explicit that the code has to be entered during the application, not after.
"Can I use this alongside a Shopee or Mastercard promo?"
Yes, third-party offers like Shopee vouchers or Mastercard promotions available to MariBank cardholders still stack fine. It's other MariBank-issued promo codes specifically that can't be combined with this one.
"How long does the cash take to show up?"
After approval, credited to your Mari Savings Account — MariBank notifies you in-app when it's done. The S$28 business tier is instant instead.
"Which tier should I even pick?"
Depends what you want: S$8 for just a savings account or investing bundle, S$15 for the credit card or loan bundle (with the card unlocking up to S$100 more), or S$28 instant if you're a business owner.
Steps to claim, regardless of which tier:
All answers verified against DLCuration's MariBank FAQ: https://dlcuration.com/maribank-referral-code.html
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🏦 MariBank Referral Code Oct 2026: Up to S$95 in Rewards 💰
🔑 Referral code: 4OVQ01AP
✍️ Enter it in the "Referral / Promo Code?" field when you sign up. You can't add it after your account is opened ⚠️
🎁 What you get as a new user (1–31 Oct 2026)
💳 Mari Savings + Mari Credit Card: S$15 instant cash + up to S$80 card rewards = up to S$95 🔥
🏦 Mari Savings or Mari Invest: S$8 instant cash + promotional interest
💸 Mari Savings + Instant Loan: S$15 instant cash
🏢 Mari Business Account (SME): S$28 credited to the business account
📌 How the S$80 card rewards break down:
📈 Interest rates
📝 How to claim
1️⃣ Download the MariBank app (App Store / Google Play) 📲
2️⃣ Choose Mari Savings Account
3️⃣ Sign up with Singpass / MyInfo 🪪
4️⃣ Enter code 4OVQ01AP during sign-up ✍️
5️⃣ Complete your application. The instant cash is credited when you're approved 💵
6️⃣ Fund via PayNow or FAST. No minimum deposit needed for the cash reward
7️⃣ Complete your bundle's qualifying action (e.g. S$300 card spend). Card rewards credit within about 100 days ⏳
⚠️ Terms to know
🆕 New MariBank customers only. If you've had a Mari Savings account before, even a closed one, you won't get the referral cash.
🇸🇬 Singapore Citizens / PRs aged 18+ with Singpass only
☝️ One referral or promo code per sign-up
🔢 Capped at the first 10,000 successful referrals each month
🔒 Keep your account open and in good standing, or rewards may be clawed back
📉 Amounts change monthly (instant cash has ranged from S$5 to S$20 in 2026)
🗓️ Other MariBank promos running till 31 Dec 2026
🤔 Is it worth it?
👍 Yes for most people. You get free instant cash, promotional interest with no lock-in, SDIC protection, Shopee perks, and a no-annual-fee card with 1.5% cashback.
👎 The card bundle isn't worth it if you won't hit S$300 spend or don't want to apply for a credit card. The S$8 savings-only reward still works without the card.
📌 Its base interest trails bonus-rate accounts like UOB One, OCBC 360 and DBS Multiplier, but those need more effort to qualify.
❓ FAQ
🔹 When is the bonus credited? Referral cash is instant on approval. Card rewards arrive within about 100 days.
🔹 Can existing customers use the code? No. Past accounts, even closed ones, don't qualify for referral cash.
🔹 Is there a minimum deposit? No, not for the S$8 / S$15 cash.
🔹 Is MariBank safe? Yes. It's MAS-licensed and SDIC-insured up to S$100K. Mari Invest products aren't covered.
🔹 Can foreigners or EP holders sign up? Generally no. The referral is for Singapore Citizens and PRs only.
🔹 Forgot to enter the code? It can't be added later, so that account won't get the referral cash.
🔹 Promo code vs referral code? They go in the same field, and you can only use one.
👉 Use code: 4OVQ01AP
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💰 MariBank Referral Code: 4OVQ01AP 💰
Get up to S$95 in rewards this Nov 2026! 🎉
➖➖➖➖➖➖➖➖➖➖
🎁 What you get (enter code at sign-up):
💵 Savings / Mari Invest bundle → S$8 instant cash + up to 3.08% p.a. daily interest
💳 Savings + Credit Card bundle → S$15 instant cash + up to S$80 card rewards
🏦 Savings + Instant Loan bundle → S$15 instant cash
🏢 Mari Business Account (SME) → S$28 cash
➖➖➖➖➖➖➖➖➖➖
💳 Mari Credit Card extras (up to S$80):
✅ S$30 cashback – spend min S$300 (non-Shopee) within 30 days
🛍️ S$50 Shopee voucher pack via Instant Checkout
➖➖➖➖➖➖➖➖➖➖
📲 How to claim:
1️⃣ Download MariBank app
2️⃣ Tap "Open an Account" → Mari Savings Account
3️⃣ Sign in with Singpass / MyInfo
4️⃣ Enter 4OVQ01AP in "Referral / Promo Code?" ⚠️ cannot add later!
5️⃣ Instant cash credited on approval 💸
6️⃣ Fund via PayNow/FAST – no min deposit 👍
➖➖➖➖➖➖➖➖➖➖
📌 Need to know:
🇸🇬 SC/PR only, 18+
🆕 New MariBank customers only
⏳ Valid 1–30 Nov 2026, first 10,000 referrals/month
🔒 SDIC-insured up to S$100K
📉 Base rate 0.88% p.a. – 3.08% is promo (till 31 Dec 2026)
➖➖➖➖➖➖➖➖➖➖
🔥 Other Nov promos:
🛒 1% cashback on Scan & Pay (NETS SGQR)
✈️ Win S$100K worth of flight tickets (Mari Credit Card)
💰 100% interest cashback on first 1-month Instant Loan
➖➖➖➖➖➖➖➖➖➖
👉 Code: 4OVQ01AP
🔗 More details: https://www.sgreferralcodes.com/maribank-referr...