Last verified: 15 September 2026. Promotion runs 1–30 September 2026, capped at the first 10,000 successful referrals.
If you’re opening a MariBank account this month, entering a referral code costs you nothing extra and gets you cash the moment your application is approved. Here’s everything you need — code, steps, eligibility, and the fine print most guides skip.
The Code
9VCZ35IG
Enter this in the “Referral / Promo Code?” field when you apply. It must go in during the application — MariBank does not allow it to be added retroactively after submission.
What You Get
| You apply for | Cash reward | Credited |
|---|---|---|
| Mari Savings Account or Mari Invest Bundle | S$10 | Instantly to your Mari Savings Account |
| Mari Credit Card Bundle or Instant Loan Bundle | S$15 | Instantly to your Mari Savings Account |
This referral cash is separate from — and stacks with — MariBank’s own new-user promotions:
- Up to 3.08% p.a. on the Mari Savings Account (base rate plus time-limited new-user and linked-account bonuses — see the interest breakdown below)
- S$30 welcome cashback on the Mari Credit Card after S$300 spend within 30 days of approval
- S$70 Shopee voucher pack for using Mari Credit Card Instant Checkout on Shopee
Why the 3.08% p.a. figure isn’t automatic
This is where a lot of readers get tripped up, so it’s worth breaking down rather than just quoting the headline rate. The 3.08% is a stack of separate components, each with its own conditions:
- A base rate that applies to everyone
- A new-user bonus that runs for a limited window after account opening
- A bonus tied to linking and maintaining an active ShopeeVIP subscription
- A bonus that only kicks in once you credit a qualifying salary (MariBank sets a minimum monthly amount for this)
If you don’t meet all four conditions, you earn the base rate plus whichever bonuses you do qualify for — not the full 3.08%. Check MariBank’s own Bonus Interest Promotion terms before assuming the headline number applies to you.
How to Apply — Step by Step
- Download the official MariBank app (Apple App Store, Google Play, or Huawei AppGallery).
- Start an application for a Mari Savings Account, Mari Invest Bundle, Mari Credit Card Bundle, or Instant Loan Bundle.
- When you reach the “Referral / Promo Code?” field, enter 9VCZ35IG.
- Submit and complete the application.
- Once approved, the cash reward lands in your Mari Savings Account.
MariBank’s help centre states the reward is credited instantly on a successful application, though the official September 2026 promotion terms give MariBank up to two months after the promotion ends (or another period it sets) to credit it — so “instant” is the typical case, not a guarantee.
Are You Eligible?
- You must be a new MariBank Personal Banking customer with no existing Personal Banking account before 1 September 2026.
- This must be your first MariBank Personal Banking application, submitted and approved within the promotion window.
- Your account (or bundled accounts) needs to stay open through the promotion and for six months after — MariBank can claw back the reward if you close early.
- One referral reward per new customer; rewards across products don’t stack with each other.
- Using a referral code on your first account rules you out of other MariBank promo codes during this same period.
- Standard credit assessment and product eligibility rules still apply on top of the promotion terms.
- Once the 10,000-referral cap or the promotion period is reached, the offer ends — even if you’re mid-application.
Referral Code vs. Promo Code — Are They the Same Field?
Yes. MariBank uses a single “Referral / Promo Code?” field for both, so there’s nothing extra to look for elsewhere in the app.
Does the Person Who Referred Me Also Get Paid?
Yes — the code owner earns a referral reward too when your application qualifies. This doesn’t cost you anything or reduce your own reward.
Is MariBank Actually Safe to Use?
MariBank Singapore Private Limited is licensed by the Monetary Authority of Singapore, and it’s the digital bank arm of Sea Limited (the group behind Shopee and Garena). Singapore-dollar deposits are covered by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor per institution, by law. That protection does not extend to investment products like Mari Invest — those aren’t deposits, aren’t SDIC-insured, and their returns aren’t guaranteed.
FAQ
Can I use this code if I already have a MariBank account? No. It only applies to your first Personal Banking application, and only if you had no Personal Banking account before 1 September 2026.
What happens if the 10,000-referral cap is hit before 30 September? The promotion closes early once the cap is reached, regardless of the calendar date.
Can I add the code after I’ve already submitted my application? No — MariBank does not backfill referral codes onto submitted applications. Enter it before you submit.
Do I need to spend anything to get the referral cash? No spending is required for the S$10/S$15 referral reward itself. Separate rewards, like the Mari Credit Card’s S$30 cashback, do require a minimum spend.
This article is for general information only and is not financial advice or an offer to buy any financial product. Some links on this page are affiliate/referral links, and I may earn a reward if you apply using code 9VCZ35IG — this is at no extra cost to you. Terms, rates, and rewards are set by MariBank Singapore Private Limited and can change; always confirm current terms on maribank.sg or in the official promotion T&Cs before applying. Deposit insurance is provided by SDIC under the Deposit Insurance and Policy Owners’ Protection Schemes Act.