MariBank Singapore · Account guide
MariBank Singapore review: is it worth opening?
MariBank may suit you if you want a Singapore digital savings account with no minimum deposit or spending requirement. Before opening one, check the conditions behind the advertised 3.08% p.a., the welcome bonus for the first 30 days and the separate eligibility and repayment obligations of a credit card. This review is based on official sources.
Key facts
- Savings application age
- 16 or over, subject to residency and identity checks.
- Minimum deposit
- No minimum deposit for the Savings Account.
- Savings base rate
- 0.88% p.a.; subject to change.
- Credit Card application
- 21 or over, subject to the bank’s assessment.
Savings interest: what makes up the maximum rate?
The maximum 3.08% p.a. on SGD savings consists of the components below, with interest credited daily. The new-user bonus lasts only 30 days. The bonus-interest promotion is currently listed until 31 December 2026; each component has its own conditions.
The maximum rate requires all the conditions to be met. Opening an account alone does not qualify you for the ShopeeVIP or salary bonuses. The new-user bonus also ends after the first 30 days. Consider the subscription cost and whether you use ShopeeVIP before subscribing for its interest bonus.
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| Benefit | Amount or rate | Key conditions |
|---|---|---|
| Savings base interest | 0.88% p.a. | SGD savings. The prevailing rate can change. |
| Savings new-user bonus | An extra 1.60% p.a. | First 30 days after successful account opening. |
| ShopeeVIP bonus | An extra 0.40% p.a. | Link MariBank and Shopee, maintain an active ShopeeVIP subscription and claim the bonus in the bank app. |
| Salary-crediting bonus | An extra 0.20% p.a. | Qualifying salary credit of at least S$500 each month. |
Sources · Mari Savings Account eligibility and interest · Savings bonus-interest conditions
Everyday use and fees
Mari Savings Account has no opening or maintenance fee and no minimum deposit or spend requirement. The published fee table lists local transfers and fall-below fees as free. The account supports PayNow, bank transfers and NETS SGQR payments.
A Savings Account’s low entry requirements do not remove a credit card’s repayment obligations. Cardholders need to check statements, payment deadlines, interest and fees. Overseas withdrawals, foreign-currency transactions and overseas transfers have separate rules; a waiver for one fee does not make every transaction free.
Sources · Mari Savings Account eligibility and interest · MariBank interest rates and fees · Mari Credit Card features and eligibility
Who can apply?
Mari Savings Account is available to Singapore citizens, permanent residents and foreigners with a valid pass aged 16 or over. You need a valid Singapore mobile number and MyInfo through Singpass.
Mari Credit Card has a minimum application age of 21 and remains subject to the bank’s assessment. Savings eligibility does not guarantee card approval. A referral reward is not a promise that your application will be approved.
Sources · Mari Savings Account eligibility and interest · Mari Credit Card features and eligibility
Regulation and deposit protection
MariBank Singapore Private Limited is licensed by MAS. Eligible Singapore-dollar deposits of non-bank depositors are insured by SDIC for up to S$100,000 in aggregate per depositor per Scheme member. The limit is not per account. Foreign-currency deposits and investment products are not covered by this deposit insurance.
Sources · Mari Savings Account eligibility and interest · MAS Financial Institutions Directory
Credit Card benefits and welcome offers
The card product page lists 1.5% cashback on eligible local card spend with no minimum spend. Everyday cashback and welcome cashback are separate benefits: the welcome offer still has a spending requirement. Transaction exclusions are set by the official terms.
The card promotion page lists a S$50 Shopee voucher pack, while a footnote in the referral help page still says S$70. Check the vouchers available in your app and their terms. Do not add the two amounts together.
These benefits have separate conditions and are not guaranteed extras for entering a referral code. Clause 5.1 excludes other MariBank promo codes and their rewards, while allowing eligible third-party offers. Confirm which offers you can combine before applying.
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| Benefit | Amount or rate | Key conditions |
|---|---|---|
| Card welcome cashback | S$30 | Eligible new cardholders: spend at least S$300 within 30 days of card approval, excluding Shopee spend. |
| Shopee welcome voucher pack | S$50 listed on the promotion page | Mari Credit Card Instant Checkout only. Voucher minimum spends and expiry apply; the help-page amounts conflict. |
Sources · Mari Credit Card features and eligibility · Current Mari Credit Card welcome offer · Official referral and additional-rewards guide · Official November 2026 referral terms (PDF)
Flight-ticket lucky draw
From 1 October 2026 to 31 December 2026, eligible Mari Debit Card or Mari Credit Card transactions with a final posted amount of at least S$5 earn one draw chance each. Chances apply only to the posting month. Mari Credit Card Instant Checkout is excluded. This is a separate lucky draw; using a referral code does not guarantee a prize.
The three monthly draws offer a total of 5 business-class and 45 economy-class pairs of round-trip tickets as travel vouchers. Each business-class pair is capped at S$8,000 and each economy-class pair at S$1,500. Winners cover excess and other travel costs. Refunded or cancelled transactions do not qualify.
Sources · Official flight-ticket draw terms (PDF)
Overseas ATM withdrawal fee waiver
From 14 October 2026 to 31 March 2027, MariBank waives its 2% fee on the first S$500 equivalent of overseas ATM withdrawals each calendar month. The 2% fee applies above that allowance; ATM operator fees may still apply. Withdrawals come from your Mari Savings Account SGD balance. Choose the local currency to avoid dynamic currency conversion charges. This benefit is separate from the referral reward.
For example, S$800 equivalent withdrawn in one month incurs S$6 in bank fees on the S$300 above the allowance, plus any ATM operator fees. MariBank currently lists a default monthly withdrawal limit of S$500; a higher limit requires the bank’s review.
Sources · Overseas ATM fees and waiver
What to check before opening an account
If you need savings, transfers and everyday payments, start by checking the Savings Account features. If you also need a credit card, review eligibility, repayment arrangements and spending you already expect to make. A higher referral reward is not a reason to apply for a product you do not need.
Choose your products before your first application. Under the current referral offer, eligible Savings or Mari Invest Bundle applications earn S$8; Credit Card or Instant Loan Bundles earn S$15. Bundle products must be submitted together in the first application.
Sources · Official November 2026 referral terms (PDF) · Mari Savings Account eligibility and interest · Mari Credit Card features and eligibility
Sources and historical evidence
This review uses official product pages, promotion terms and fee information. It is not a new account-opening or card test. The owner’s 19 October 2026 screenshot shows one S$8 referral credit. It does not establish the recipient type, payout speed, current code acceptance or remaining November allocation.
- MariBank Singapore and app downloads
- Official November 2026 referral terms (PDF)
- Mari Savings Account eligibility and interest
- Savings bonus-interest conditions
- MariBank interest rates and fees
- Mari Credit Card features and eligibility
- MAS Financial Institutions Directory
- Current Mari Credit Card welcome offer
- Official referral and additional-rewards guide
- Official flight-ticket draw terms (PDF)
- Overseas ATM fees and waiver
Frequently asked questions
Does MariBank require a minimum deposit?
Mari Savings Account has no minimum deposit or spending requirement. Bonus interest and card welcome rewards have separate conditions.
Is the 3.08% p.a. savings rate permanent?
No. The maximum includes a new-user bonus for the first 30 days and conditional ShopeeVIP and salary-crediting bonuses. Rates and promotion terms can change.
Are all MariBank products deposit-insured?
Eligible SGD deposits are covered up to S$100,000 in aggregate per depositor per Scheme member. Foreign-currency deposits and investment products are not covered by that deposit insurance.
Does Savings eligibility guarantee a Credit Card?
No. The minimum age is 16 for Savings and 21 for the Credit Card. Card applications also require the bank’s assessment.
MariBank referral reward
MariBank referral code is 8YVT49VP. Use my code on your first application to receive S$8 for Savings or the Mari Invest Bundle, or S$15 for the Mari Credit Card Bundle or Instant Loan Bundle, if eligible. Apply and get approved by 30 November 2026.
Read the referral eligibility and signup guide
Code acceptance and remaining campaign places are unconfirmed. The reward cannot be withdrawn or transferred.