MariBank Singapore · November 2026 savings interest
MariBank interest rate November 2026: how to qualify for up to 3.08% p.a.
MariBank referral code is 8YVT49VP. Eligible new customers receive a S$8 cash credit for a first Savings or Mari Invest Bundle application, or S$15 for a Credit Card or Instant Loan Bundle under the November 2026 offer. Referral rewards and savings bonus interest have separate conditions. The Savings Account currently offers up to 3.08% p.a. only when all bonus conditions are met. Its 1.60% new-user bonus lasts just 30 days.
Key facts
- Base rate
- 0.88% p.a., with interest calculated and credited daily.
- New-customer maximum
- 3.08% p.a. when all conditions overlap, including the first 30-day welcome bonus.
- After the welcome bonus
- Up to 1.48% p.a. if ShopeeVIP and salary-crediting conditions remain satisfied.
- Referral code and reward
- 8YVT49VP: S$8 or S$15 cash credit for an eligible first application.
- Promotion dates
- Bonus-interest offer listed until 31 December 2026. Referral offer: 1 to 30 November.
What makes up the 3.08% p.a. maximum?
The 0.88% base rate plus 1.60% new-user, 0.40% ShopeeVIP and 0.20% salary-crediting bonuses totals up to 3.08% p.a. Opening the account alone does not qualify you for every component.
Base interest has no minimum deposit or spending requirement, and the account has no fall-below fee. Bonuses depend on the dates you qualify and your end-of-day SGD balance. Total interest is credited the following calendar day.
Swipe the table to see all columns.
| Component | Annual rate | Key condition |
|---|---|---|
| Base interest | 0.88% | Prevailing Savings Account rate; subject to change. |
| New-user bonus | Extra 1.60% | First 30 days after successful account opening, subject to new-user eligibility. |
| ShopeeVIP bonus | Extra 0.40% | Active subscription, linked accounts and an in-app claim. |
| Salary-crediting bonus | Extra 0.20% | A qualifying salary payment of at least S$500. |
| Maximum total | 3.08% | All four components must apply on the same day. |
Sources · Mari Savings Account eligibility and interest · Official bonus-interest terms (PDF) · Interest calculation, crediting and rate tiers · MariBank interest rates and fees
New-user bonus: an extra 1.60% for 30 days
Eligible new customers receive an extra 1.60% p.a. for the first 30 days after successfully opening a Mari Savings Account. With the 0.88% base rate, that is 2.48% p.a. These two components do not require ShopeeVIP or salary crediting.
The terms define eligible new users with conditions including not currently holding a Mari Savings Account and not having closed one within the 180 days before the promotion period. Your account must remain valid and in good standing. The bank determines eligibility and the qualifying start date.
When the 30-day welcome period ends, the 1.60% component falls away. At current rates, the total is then up to 1.48% p.a. if you still qualify for both ShopeeVIP and salary bonuses, or 0.88% with base interest alone. The bonus promotion is currently listed until 31 December 2026; no bonus should be treated as a permanent rate.
Sources · Mari Savings Account eligibility and interest · Official bonus-interest terms (PDF) · Interest calculation, crediting and rate tiers
ShopeeVIP bonus: link your accounts and claim
An active ShopeeVIP subscription can add 0.40% p.a. With base interest and the new-user bonus, the qualifying total is 2.88% p.a.
Link your MariBank and Shopee accounts, maintain an active ShopeeVIP subscription and tap Claim on the Savings Account page in the MariBank app. The official help page says to claim before 23:59:59 Singapore time for that day; earlier unclaimed days cannot be backdated. Eligibility also depends on successful membership-status synchronisation. Cancelling your subscription or unlinking the accounts affects the bonus.
ShopeeVIP is a paid subscription. Consider its cost and whether you use its shopping benefits before subscribing for the extra 0.40% interest.
Sources · Official bonus-interest terms (PDF) · ShopeeVIP claim deadline and no backdating
Salary bonus: not every S$500 transfer qualifies
The extra 0.20% p.a. requires a local salary credit of at least S$500 through GIRO, PayNow or FAST with a SALA or PAYNOW SALA purpose code, or another salary code accepted by the bank. Transfers from an individual account, including your own account, do not qualify as salary transactions.
The salary-bonus period starts the day after the qualifying salary transaction and runs until the end of the following calendar month. The first new qualifying salary payment in a subsequent month can extend the period through the end of the next month, subject to the promotion terms.
You should therefore not assume every bonus starts on your account-opening day. The maximum 3.08% p.a. can apply only while base interest, new-user, ShopeeVIP and salary-bonus eligibility overlap.
Sources · Official bonus-interest terms (PDF)
How much can S$10,000 earn over 30 days?
Simplified formula: balance × annual rate × 30 ÷ 365. For example: S$10,000 × 3.08% × 30 ÷ 365 ≈ S$25.32.
The table assumes an unchanged S$10,000 balance and the stated annual rate for all 30 days, with eligibility maintained throughout. It excludes compounding from daily interest credits. Actual interest depends on qualification dates, daily balances, compounding and the bank’s calculation rules.
The 3.08% figure is an annualised rate, not a 3.08% return in one month. Even if you qualify for the maximum throughout 30 days, the simplified return on S$10,000 is around S$25, not S$308.
Swipe the table to see all columns.
| Annual rate | Illustrative components | Approximate interest |
|---|---|---|
| 0.88% | Base only | S$7.23 |
| 2.48% | Base + new-user bonus | S$20.38 |
| 2.88% | Base + new-user + ShopeeVIP | S$23.67 |
| 3.08% | All four components | S$25.32 |
Sources · Mari Savings Account eligibility and interest · Interest calculation, crediting and rate tiers
Referral code 8YVT49VP: November signup rewards
MariBank referral code is 8YVT49VP. Eligible new customers receive a S$8 cash credit for a first Savings or Mari Invest Bundle application, or S$15 for a Credit Card or Instant Loan Bundle under the November 2026 offer. Referral rewards and savings bonus interest have separate conditions.
The referral promotion runs from 1 to 30 November 2026 and is limited to the first 10,000 successful referrals. You must have held no MariBank Personal Banking account before 1 November. Your first application must be submitted and approved during the campaign with the correct referral code.
Apply for all bundle products together in your first application. Opening Savings first and applying for a card later does not earn a second referral reward or a top-up. The S$8 and S$15 tiers do not stack.
On app version 3.08 or later, tap Apply with Singpass and enter 8YVT49VP on the separate code page after accepting the terms. On version 3.07 or earlier, enter and apply it in Have a Referral / Promo Code before starting the Singpass application. Check the code before submitting.
MariBank advertises instant credit, but the referral terms allow up to two months after the campaign ends, or another period set by the bank. The reward cannot be withdrawn or transferred. Keep the qualifying accounts open and in good standing during the campaign and for six months after it ends; the bank may reclaim the credit otherwise.
Referral rewards and bonus interest have separate terms. The code does not guarantee the maximum rate. The official referral help page also describes the savings bonus, but exclusions apply to other MariBank promo codes and their rewards. Confirm which offers you can combine before applying.
Sources · Official November 2026 referral terms (PDF) · Official referral and additional-rewards guide · MariBank’s referral code entry instructions
What should you consider before opening?
The Savings Account has no minimum deposit, minimum spend or fall-below fee, and interest is credited daily. Consider the rate after the welcome period, the cost of ShopeeVIP and whether arranging a qualifying salary payment suits you.
Eligible SGD deposits of non-bank depositors are insured by SDIC for up to S$100,000 in aggregate per depositor per Scheme member, not separately for every account. Foreign-currency deposits and investment products are not covered by this deposit insurance.
The official help page currently states that there is no cap on the SGD balance eligible for bonus interest. That balance rule is separate from the deposit-insurance limit. Rates and campaign conditions may change, so check the MariBank app and official terms before opening an account.
Sources · Mari Savings Account eligibility and interest · MariBank interest rates and fees · Eligible balance for bonus interest
Official sources and calculation notes
Sources checked on 8 November 2026: MariBank’s savings page, bonus-interest terms, help centre and November referral terms. Interest examples are our calculations using the stated formula. Summary images are generated editorial illustrations. No new application, code-acceptance or payout test was performed; current code acceptance and remaining referral places are unconfirmed.
- MariBank Singapore and app downloads
- Official November 2026 referral terms (PDF)
- Mari Savings Account eligibility and interest
- Official bonus-interest terms (PDF)
- Interest calculation, crediting and rate tiers
- MariBank interest rates and fees
- ShopeeVIP claim deadline and no backdating
- Official referral and additional-rewards guide
- MariBank’s referral code entry instructions
- Eligible balance for bonus interest
Frequently asked questions
Is MariBank offering 3.08% interest in November 2026?
Eligible new customers can earn up to 3.08% p.a.: 0.88% base interest, 1.60% new-user bonus for 30 days, 0.40% ShopeeVIP bonus and 0.20% salary-crediting bonus. All eligibility periods must overlap.
How long does the 3.08% rate last?
The 1.60% new-user bonus lasts only the first 30 days. Afterwards, the current maximum is 1.48% p.a. if ShopeeVIP and salary-crediting conditions remain satisfied. The bonus promotion is listed until 31 December 2026, subject to changes in its terms.
Do I need ShopeeVIP to earn bonus interest?
No. Eligible new customers can earn the 0.88% base plus 1.60% welcome bonus, totalling 2.48% p.a., for the first 30 days without ShopeeVIP. The salary bonus has separate requirements.
Does transferring S$500 from my own account count as salary?
No. The terms exclude transfers from an individual account, including your own. A qualifying salary payment must be at least S$500 through GIRO, PayNow or FAST with the required salary transaction code.
How much does S$10,000 earn at 3.08% p.a. over 30 days?
Assuming eligibility for 3.08% p.a. throughout all 30 days, S$10,000 × 3.08% × 30 ÷ 365 is approximately S$25.32, excluding compounding. Actual interest depends on qualification dates, daily balances and the bank’s calculation rules.
When is MariBank interest credited?
Base and eligible bonus interest are calculated on your end-of-day SGD balance and credited to your Mari Savings Account the following calendar day. Bonus eligibility and start dates differ by component.
What do I get with referral code 8YVT49VP, and can I also earn bonus interest?
Eligible first Savings or Mari Invest Bundle applications receive an S$8 cash credit under the November 2026 offer; Credit Card or Instant Loan Bundles receive S$15. The official referral help also describes bonus interest, but separate conditions apply. The code does not guarantee the maximum rate, rewards cannot be withdrawn or transferred, and exclusions apply to other promo codes.
Is there a balance cap for bonus interest?
The official help page currently states that there is no cap on the eligible SGD Savings Account balance for bonus interest. SDIC deposit insurance remains limited to S$100,000 in aggregate per depositor per Scheme member.
MariBank referral reward
MariBank referral code is 8YVT49VP. Eligible new customers receive a S$8 cash credit for a first Savings or Mari Invest Bundle application, or S$15 for a Credit Card or Instant Loan Bundle under the November 2026 offer. Referral rewards and savings bonus interest have separate conditions.
Read the referral eligibility and signup guide
Code acceptance and remaining campaign places are unconfirmed. The reward cannot be withdrawn or transferred.