MariBank Referral Code 8ZUU96EA: Which Tier Gets You S$15 or S$20?

Wrote this up because I kept going back and forth on which MariBank tier to actually apply under — here's how I broke it down.

Code to use either way: 8ZUU96EA

The four personal tiers, ranked by effort:

1. Mari Savings Account (S$15) — lowest effort, no bundling, standalone account.
2. Mari Invest Bundle (S$15) — same S$15, but comes bundled with the savings account and an invest component.
3. Mari Credit Card Bundle (S$20) — highest total value, since it also unlocks up to S$80 in separate welcome rewards (S$30 cashback on S$300 min. spend within 30 days, plus a S$50 Shopee voucher pack via Instant Checkout).
4. Instant Loan Bundle (S$20) — same cash reward as the card bundle, but obviously only makes sense if you actually need the loan product.

(There's also a S$28 instant tier if you're referring a business account instead of a personal one — different flow, paid out immediately rather than after approval.)

Regardless of tier, here's the process:

1. Download the MariBank app.
2. Apply for your chosen product — first-ever application for that tier only.
3. Type 8ZUU96EA into the Referral/Promo Code field before submitting.
4. Get approved within 1–31 July 2026 for the cash to post to your Mari Savings Account.

Before you pick a tier:

• Bundles must be applied for as bundles — applying separately for the savings account and then the card, for example, won't qualify.
• The code can't be added after you submit, so triple-check the field.
• Reward can be forfeited if the account doesn't stay open and in good standing after the promo ends.
• This code can't be combined with other MariBank promo codes running at the same time.

Caveat: SGD deposits are SDIC-insured up to S$100,000; the credit card's welcome cashback depends on hitting the spend condition, so don't count it as guaranteed the way the flat referral cash is.

I used DLCuration's tier-by-tier MariBank breakdown to sanity-check these numbers before writing this up: https://dlcuration.com/maribank-referral-code.html

Not financial advice, just sharing what worked for me.