MariBank Referral Code 8ZUU96EA: How to Use It and Claim Your Reward in 2026
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Most guides on MariBank referral codes drop the code, list two reward tiers, and stop there. The problem: MariBank actually has four product paths — and the wrong choice can cost you S$5 in referral cash, or disqualify you from up to S$100 in additional welcome rewards altogether.
I have been tracking MariBank’s “Refer and Get Rewarded” programme across multiple 2026 promotion cycles. This guide uses the confirmed September 2026 terms sourced directly from MariBank’s official help centre and the MariBank referral code page. Every figure here is verified.
The referral code is 8ZUU96EA. Enter it in the “Referral / Promo Code?” field during your MariBank app application. The promotion runs 1–30 September 2026, is capped at the first 10,000 successful referrals, and rewards are credited to your Mari Savings Account instantly on approval — not weeks later.
If you just want the steps, jump to the full walkthrough. If you want to understand which product to pick before you start — read that section first. It is the most important decision you will make in this process.
The Four Referral Reward Tiers — Pick the Right One Before You Apply
MariBank’s September 2026 referral programme pays out across four product paths. The reward amount depends entirely on which product you apply for. Both you and the person who shared the code receive the same cash amount.
| Product | Referral Cash (You) | Referral Cash (Friend) |
|---|---|---|
| Mari Savings Account (standalone) | S$10 | S$10 |
| Mari Invest Bundle | S$10 | S$10 |
| Mari Credit Card Bundle | S$15 | S$15 |
| Instant Loan Bundle | S$15 | S$15 |
The most common mistake: opening the app, tapping “Open Savings Account,” and ending up on the standalone Mari Savings Account path — earning S$10 instead of S$15. The Mari Credit Card Bundle takes the same amount of time to apply for and pays 50% more in referral cash, while also unlocking up to S$100 in Mari Credit Card new user rewards that the savings-only path does not.
A fifth tier exists for business referrals: the Mari Business Account pays S$28 cash, credited instantly, to both the referrer and the new business customer. This runs on a separate promotion — if you are a business owner or know one, this is the highest single-referral payout MariBank offers.
What Stacks on Top of the Referral Cash
The referral reward is one layer. The Mari Credit Card Bundle path also unlocks two additional welcome promotions that run on separate T&Cs:
- S$30 Welcome Cashback (10% cashback) — spend a minimum of S$300 with your Mari Credit Card within 30 days of card approval. Note: Mari Credit Card Instant Checkout on Shopee is excluded from this qualifying spend threshold.
- S$70 Shopee Voucher Pack — triggered separately by using Mari Credit Card Instant Checkout on Shopee.
Total maximum new-user value on the Mari Credit Card Bundle path: S$15 referral cash + S$30 welcome cashback + S$70 Shopee vouchers = S$115, before any interest on your Mari Savings Account is counted.
You also unlock up to 3.08% p.a. interest credited daily on your Mari Savings Account as a new user. The base rate is 0.88% p.a. — no conditions, no salary crediting required, no minimum balance. The 3.08% p.a. figure reflects the base rate plus the applicable bonus interest promotions for new users.
Who Is Eligible
Check every condition before you apply. Missing any one of them means no referee reward.
You qualify if:
- You are a Singapore Citizen or Permanent Resident aged 18 and above
- You have a valid Singpass account (used for MyInfo identity verification during sign-up)
- This is your first ever application for the specific MariBank product or bundle you are applying for
- You enter referral code 8ZUU96EA correctly in the “Referral / Promo Code?” field before submitting
- Your application is approved during the promotion period: 1–30 September 2026
You do not qualify if:
- You have previously held any MariBank account for the product tier you are applying under — even a closed account disqualifies you
- You are an Employment Pass holder, S Pass holder, or other foreign national (MariBank Personal Banking is restricted to SC/PR as at 2026)
- You leave the “Referral / Promo Code?” field blank or enter the wrong code — the reward cannot be applied retroactively after your application is submitted
- You apply for bundle components separately instead of as a single bundled application — this will not qualify for the bundle reward
- You attempt to use referral code 8ZUU96EA together with another MariBank promotional code during the same promotion period
For the Mari Credit Card specifically:
The Mari Credit Card Bundle requires a credit assessment by MariBank. Minimum annual income of S$30,000 if you are aged 55 and below, or S$15,000 if you are aged 56 and above. Approval is not guaranteed.
The Full Walkthrough: How to Enter Referral Code 8ZUU96EA
These steps reflect MariBank’s official process as confirmed in their September 2026 help centre documentation.
Step 1 — Download the MariBank App
Download the official MariBank app from the Apple App Store, Google Play Store, or Huawei AppGallery. Search “MariBank Singapore” — the publisher should be MariBank Singapore Private Limited. Do not download from any third-party source.
Step 2 — Tap “Sign Up” and Register
Open the app and tap “Sign Up.” Enter your Singapore mobile number. MariBank sends a one-time password to verify it before you proceed.
Step 3 — Choose Your Product Path
Before identity verification, select which product you are applying for. This determines your referral reward tier:
- Mari Savings Account → S$10 referral cash, no credit check
- Mari Invest Bundle → S$10 referral cash, includes a Mari Savings Account
- Mari Credit Card Bundle → S$15 referral cash + up to S$100 in card welcome rewards, includes a Mari Savings Account and Mari Credit Card
- Instant Loan Bundle → S$15 referral cash, includes a Mari Savings Account
For most eligible applicants, the Mari Credit Card Bundle is the right choice — S$15 in referral cash plus the welcome rewards stack makes it the highest-value sign-up path by a significant margin.
Step 4 — Enter Referral Code 8ZUU96EA
During the application, find the field labelled “Have a Referral / Promo Code? Enter your code here.” Type 8ZUU96EA exactly as shown. The code is alphanumeric — check it carefully before you proceed.
This step is non-negotiable. MariBank is explicit: if you leave this field blank or enter a wrong code, neither you nor the referrer receives any reward, regardless of which tier you applied for. The code cannot be added after you submit your application.
Step 5 — Verify Your Identity with Singpass
Tap “Apply with Singpass” to complete MyInfo identity verification. MariBank uses MyInfo to auto-fill your personal details — NRIC, name, address, and contact information. The process takes under five minutes if your Singpass app is already installed and set up.
Step 6 — Complete and Submit Your Application
Review the pre-filled details for accuracy, confirm your product selection, and submit. For the Mari Credit Card Bundle, MariBank runs a credit assessment. The Mari Savings Account is typically approved within the same session.
Step 7 — Reward Credited Instantly on Approval
Once your application is approved, the referral cash is credited to your Mari Savings Account instantly — S$10 for the savings or invest bundle path, S$15 for the credit card or loan bundle path. MariBank notifies you via in-app notification when the credit is processed.
The S$30 Mari Credit Card Welcome Cashback is credited separately within 100 days of card approval, once you hit the S$300 minimum spend condition.
What to Do After Your Account Is Approved
The referral reward is the immediate win. Here is what to do next to capture the full new-user value.
Activate the 3.08% p.a. bonus interest. The Mari Savings Account earns up to 3.08% p.a. credited daily as a new user. Check the current bonus interest promotion terms in the app — the applicable conditions are shown there.
Hit the S$300 spend for the S$30 Welcome Cashback. You have 30 days from card approval. Use your Mari Credit Card for everyday non-Shopee spend — groceries, transport, bills — to reach the S$300 threshold. Do not use Shopee Instant Checkout for this spend, as it is excluded from the qualifying amount (it triggers the separate S$70 Shopee Voucher Pack instead).
Use Shopee Instant Checkout to trigger the S$70 Shopee Voucher Pack. This is a separate promotion that activates when you use the Mari Credit Card via Shopee’s Instant Checkout. The voucher pack and the welcome cashback are triggered by different spend — you can capture both.
Keep your account open. MariBank’s T&Cs require accounts to remain open and in good standing after the promotion ends. Closing an account prematurely can result in the referral reward being forfeited.
The Mari Credit Card: What You Get on an Ongoing Basis
Beyond the sign-up rewards, the Mari Credit Card earns its place as an everyday card.
- 1.5% unlimited cashback on all local and overseas spend, with no categories to track and no minimum spend to maintain each month
- No annual fee — permanently, with no annual fee waiver request required
- No foreign exchange fees on overseas transactions as at 2026 — uses the Mastercard wholesale rate with no MariBank markup (valid until 31 December 2026; check the app for updates)
- Instant cashback — credited when transactions post, not at end of month
- Shopee integration — 1.5% unlimited Shopee Coins on Mari Credit Card Instant Checkout, plus access to 0% instalment payment plans on Shopee for up to 18 months
One limitation to know: the card does not support overseas ATM cash withdrawals. For cash abroad, you will need a separate card.
Common Mistakes That Cost People the Reward
These come up repeatedly in community discussions and are worth flagging explicitly.
Picking the standalone savings account when you are eligible for the credit card bundle. The Mari Credit Card Bundle pays S$15 vs S$10 for the savings-only path — and unlocks an additional S$100 in welcome rewards. If you pass the income requirement and have not previously held a Mari Credit Card, the bundle is almost always the better choice.
Entering the code after starting the Singpass step. The referral code field appears before the Singpass application step. MariBank’s instructions are clear: enter the code first, confirm it shows correctly, then proceed. Do not assume it can be added later — it cannot.
Using an expired code. MariBank refreshes the referral programme each month. A code from a previous month may still appear active in some third-party posts but no longer qualify for that month’s rewards. Always verify the current promotion period is 1–30 September 2026 when using code 8ZUU96EA.
Applying for bundle components separately. If you apply for the Mari Savings Account and Mari Credit Card as separate applications instead of selecting the Mari Credit Card Bundle, you will not qualify for the S$15 bundle reward. The bundled application must be submitted as a single application flow.
Combining 8ZUU96EA with another MariBank promo code. Using a referral code makes you ineligible for other MariBank promotional codes during the same period. Third-party offers — Shopee promotions, Mastercard offers — still stack fine with the referral code.
Closing the account shortly after approval. MariBank can claw back the referral reward if the account is closed before the minimum holding period. Keep the account open and in good standing after approval.
September 2026 Promotion: Key Terms at a Glance
| Condition | Detail |
|---|---|
| Promotion name | Refer & Get Rewarded with MariBank (Sep 2026) |
| Promotion period | 1–30 September 2026 |
| Cap | First 10,000 successful referrals |
| Eligibility | Singapore Citizen or PR, aged 18+, valid Singpass, first-time applicant |
| Referral code | 8ZUU96EA |
| Mari Savings Account / Mari Invest Bundle reward | S$10 cash, each side |
| Mari Credit Card Bundle / Instant Loan Bundle reward | S$15 cash, each side |
| Mari Business Account reward | S$28 cash, each side (instant) |
| Reward credited | Instantly on application approval |
| New user savings interest | Up to 3.08% p.a., credited daily |
| Mari Credit Card welcome cashback | S$30 (10% cashback on min. S$300 non-Shopee spend within 30 days) |
| Shopee Voucher Pack | S$70 (via Mari Credit Card Instant Checkout on Shopee) |
| Maximum total new-user value (CC Bundle path) | Up to S$115 cash + interest |
| Stacking with other MariBank codes | Not permitted |
| Stacking with third-party offers | Permitted |
Frequently Asked Questions
Where do I enter MariBank referral code 8ZUU96EA?
The field is labelled “Have a Referral / Promo Code? Enter your code here.” It appears during the MariBank app sign-up flow, before the Singpass identity verification step. Enter 8ZUU96EA there, confirm it shows correctly, and then proceed. If you skip this field or enter it incorrectly, the reward cannot be applied after the application is submitted.
What is the difference between the four MariBank referral reward tiers?
Two tiers pay S$10 — the standalone Mari Savings Account and the Mari Invest Bundle. Two tiers pay S$15 — the Mari Credit Card Bundle and the Instant Loan Bundle. The higher tier is not just about the referral cash: the Mari Credit Card Bundle also unlocks up to S$100 in separate new user rewards (S$30 welcome cashback and a S$70 Shopee Voucher Pack). The Mari Business Account is a separate S$28 tier for business referrals.
When is the referral cash credited to my account?
Instantly, once your application is approved during the promotion period (1–30 September 2026). MariBank notifies you via in-app notification when the credit lands. The S$30 Welcome Cashback for the Mari Credit Card is credited separately within 100 days of card approval, subject to the minimum spend condition. The S$28 Mari Business Account reward is also credited instantly.
Can I use the referral code if I previously had a MariBank account?
No. If you have previously held a MariBank account for the same product tier you are applying for — even if that account is now closed — you are not eligible for the referee reward for that product. You may still qualify for a different tier if you have not held that specific product before, but check the current T&Cs in the app.
Does the referral reward stack with the Mari Credit Card welcome cashback?
Yes. The S$15 referral reward (from code 8ZUU96EA) and the Mari Credit Card welcome rewards — S$30 cashback and S$70 Shopee Voucher Pack — are separate programmes with separate conditions. Both can be claimed from the same sign-up. The referral code triggers the referral cash; spending S$300 within 30 days triggers the welcome cashback; using Shopee Instant Checkout triggers the voucher pack.
Can Employment Pass holders or foreigners use the MariBank referral code?
No. As at 2026, MariBank Personal Banking products — including the Mari Savings Account, Mari Credit Card, and all personal product bundles — are available to Singapore Citizens and Permanent Residents only. A valid Singpass is required for identity verification. Employment Pass holders and other foreign nationals are not eligible.
Is there a minimum deposit required to open a Mari Savings Account?
No. There is no minimum initial deposit, no minimum balance, and no fall-below fee on the Mari Savings Account. The 3.08% p.a. bonus interest promotion for new users does not require a minimum deposit to open the account, though specific bonus interest tiers may have their own conditions — check the Mari Savings Account Bonus Interest Promotion terms in the app.
Final Thoughts
MariBank’s September 2026 referral programme is one of the cleaner sign-up deals in Singapore’s digital banking space: four tiers, instant reward on approval, a legitimate ongoing product in the Mari Credit Card, and a new user interest rate that is worth paying attention to.
The most important thing to get right before you tap “Submit”: select the Mari Credit Card Bundle, not the standalone savings account. That choice is the difference between S$10 and S$15 in referral cash — and it is what unlocks the additional S$100 in welcome rewards that the savings-only path does not offer.
Use referral code 8ZUU96EA in the “Referral / Promo Code?” field when prompted in the MariBank app. For the current reward breakdown, full T&Cs, and any mid-month updates, the MariBank referral code page is the source of truth.
The cap is 10,000 successful referrals. The promotion closes 30 September 2026.
This article is for informational purposes only and does not constitute financial advice. All figures are based on MariBank’s September 2026 “Refer & Get Rewarded” promotion T&Cs and official help centre documentation as at September 2026. Referral rewards, interest rates, and promotion terms are subject to change. Always verify current T&Cs on the official MariBank website before applying.
Used the code and hit a snag? Drop your question in the comments — I monitor this page and will update the guide if anything changes mid-month.
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