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MariBank Referral Code September 2026: Get Up to S$100 in Rewards (Code: 9VCZ35IG)
I've been meaning to write this post for a while, but kept putting it off because there are already plenty of referral-code posts around. Then a colleague recently asked me how the MariBank sign-up rewards actually work, including which accounts qualify and where to enter the referral code.
So instead of explaining everything from scratch again, I thought I'd put it all together here.
If you're considering opening a MariBank account, or you've already decided to sign up and are simply looking for a referral code, here's a quick breakdown of what you need to know.
Quick answer: My MariBank referral code
9VCZ35IG
If you already know which MariBank account you're applying for, you can simply use the code during registration. I've also included the details below if you want to understand how the rewards work.
Why I decided to try MariBank
I was actually quite late to MariBank. I already had accounts with my usual banks, so I wasn't particularly interested in opening another one at first.
What eventually caught my attention was the interest offered on the Mari Savings Account, along with the fact that the app is relatively straightforward to use. The referral rewards were also a nice incentive since I was already considering opening an account.
For me, it made more sense to take advantage of the promotion rather than sign up without a referral code.
What can you get with the MariBank referral code?
MariBank's rewards vary depending on the product you're applying for. Based on the promotion available in August 2026, here's the breakdown:
S$8 cash reward
Available when you sign up for a standalone Mari Savings Account or the Mari Invest Bundle.
S$15 cash reward
Available when you sign up for the Mari Credit Card Bundle or Instant Loan Bundle.
Up to S$100 in card-related rewards
The New-to-Card reward can include S$30 welcome cashback plus a S$70 Shopee voucher pack, subject to the applicable promotion terms and eligibility requirements.
S$28 cash reward
For those running a business, MariBank also offers a referral reward when you open a Mari Business Account.
Keep in mind that promotional rewards can change. If you're reading this after August 2026, I'd recommend checking MariBank's latest promotion terms before signing up to confirm the current rewards and eligibility requirements.
Don't forget to enter the referral code before submitting
This is probably the most important part.
During the application process, look for the field labelled "Referral / Promo Code?" and enter:
9VCZ35IG
Make sure the code is entered before you submit your application.
Don't assume you can add the referral code later if you forget. Referral attribution is generally tied to the application process, so it's better to double-check that the code has been entered correctly before submitting.
In short:
Enter the code → Check that it's correct → Submit your application.
It only takes a few seconds, so there's really no reason to leave it until later.
Is MariBank worth signing up for just for the referral bonus?
Personally, I wouldn't open a financial account purely because of a referral reward.
I'd look at the account itself first: the interest rate, features, fees, eligibility requirements and whether you actually have a use for it. If MariBank already makes sense for you, then the referral reward is a nice extra.
If you're already considering opening a savings account, getting a new credit card or setting up a business account, there's little reason not to use an eligible referral code if it gives you an additional reward.
Just make sure you understand the applicable terms rather than signing up solely because of the headline reward.
Frequently Asked Questions
Does it cost anything to use the referral code?
No. There is no separate fee for entering a referral code.
Can I use the code if I already have a MariBank account?
Referral promotions are generally intended for eligible new customers or new product applications. If you already have a MariBank account, check the latest promotion terms to see whether you're eligible.
When will I receive the reward?
The reward may not appear immediately. The timing depends on the specific promotion and whether you've met all the qualifying conditions, so check the applicable terms for the expected reward timeline.
Can I receive more than one reward?
This depends on the specific MariBank products and promotion terms. Different products can have different qualifying conditions, so don't assume that every reward can automatically be combined.
If you're planning to apply for multiple products, it's best to check the latest official terms before proceeding.
TL;DR
- MariBank referral code: 9VCZ35IG
- Enter the code in the "Referral / Promo Code?" field during your application
- Don't wait until after submitting your application to enter it
- Rewards vary depending on the MariBank product you choose
- Current August 2026 promotions include cash rewards and card-related perks
- Business account referrals may qualify for a S$28 cash reward
- Promotions and eligibility requirements can change, so check the latest terms before applying
If you're already planning to open a MariBank account, you might as well check whether you're eligible for the referral rewards before submitting your application.
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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:
- S$30 welcome cashback for S$300 eligible spend within 30 days of card approval (Shopee spend excluded) 🛍️
- S$50 Shopee voucher pack via Instant Checkout 🧡
📈 Interest rates
- Base rate: 0.88% p.a., calculated daily, no conditions ✅
- Up to 3.08% p.a. with current promotional boosts (these have end dates) 🚀
- SDIC-insured up to S$100,000 🛡️
📝 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
- Bonus Interest Promotion 📊
- Scan & Pay 1% cashback 📷
- S$100K flight ticket giveaway ✈️
- Instant Loan 100% interest cashback on your first 1-month loan 💸
🤔 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 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