MariBank Promo October 2026: Every Live Offer, Ranked and Explained

Most articles about MariBank promotions focus on the promo code and stop there. That is a mistake — because in October 2026, MariBank has at least 12 live promotions running simultaneously across savings, credit card, Instant Loan, and business banking. Some of them stack. Several expire this month. A few are the kind of offer that makes switching worthwhile even without a referral.

This guide covers every confirmed promotion currently running on maribank.sg/promo, cross-referenced against MariBank’s official help centre and verified third-party sources.

The promotions are split into four groups: savings account, credit card, Instant Loan, and business banking. Each group has its own section. At the end, I walk through how to stack the maximum value from a single sign-up.

If you are here specifically for the promo code, jump to the Refer & Get Rewarded section. For the complete new-user strategy, read the How to Stack Multiple Promos section — that is where the total October value becomes clear.

Why October 2026 Is a Worthwhile Month to Join MariBank

Three things make October 2026 better than an average month for new MariBank users.

First, the Mari Credit Card new-user promotion package — referral cash, welcome cashback, and a Shopee Voucher Pack — runs through 31 December 2026, so October is squarely within the window. Second, MariBank added a bonus entry mechanic for a S$100K free flights draw this quarter, and it runs on card spend rather than requiring a separate sign-up. Third, the Instant Loan promotion this month offers 100% interest cashback on a first loan — that is every dollar of interest you pay on a one-month loan, refunded after repayment.

Not every promotion applies to every reader. But for a new customer opening a Mari Credit Card Bundle — the highest-value sign-up path — October stacks as follows: S$15 referral cash + S$30 welcome cashback + S$50 Shopee Voucher Pack + 3.08% p.a. savings interest + a flights draw entry per S$5 spent. That is up to S$95 in direct value before the interest.

Savings Account Promotions

Mari Savings Account Bonus Interest (17 Aug – 31 Dec 2026)

This is MariBank’s most impactful ongoing promotion and the reason the savings account rates well against other Singapore digital banks.

Base rate: 0.88% p.a., credited daily, no minimum balance, no salary crediting required, no fall-below fee. The base rate applies to every user from day one.

Bonus interest tiers (stacked on top of the base rate):

New customers in October: up to 3.08% p.a. in the first 30 days (0.88% base + 1.60% new customer bonus + 0.40% ShopeeVIP + 0.20% salary). Without the optional tiers, a new customer earns 2.48% p.a. for the first month. After the first 30 days, the rate drops to the base rate plus any ongoing bonuses you qualify for.

Existing customers who hold a Shopee VIP membership and credit their salary earn up to 1.48% p.a.

Interest is credited daily to the account. There is a deposit cap of S$100,000 per depositor. Singapore-dollar deposits are protected by SDIC up to S$100,000.

The practical implication: if you are opening a Mari Savings Account in October, the first 30 days earn the best rate. Time it around when you want the bonus rate to run — opening earlier in the month maximises the overlap with the bonus interest window.

Scan & Pay with NETS SGQR — 1% Cashback (1 Sep – 31 Dec 2026)

MariBank pays 1% cashback when you pay at physical merchants by scanning a printed NETS SGQR code via the MariBank app.

Key conditions: Minimum S$3 per transaction. Capped at S$30 cashback per month (equivalent to S$3,000 in NETS SGQR spend). The promotion is limited to the first 100,000 qualifying transactions per month across all users — once that cap is hit, cashback stops for the remaining month. PayNow QR and terminal-generated QR codes do not qualify. Most printed SGQR codes at hawker centres and coffee shops do.

Overseas Transfers — S$0 MariBank Fee (26 Feb – 31 Dec 2026)

MariBank charges no MariBank transfer fee on overseas transfers — 21 currencies to 59+ destinations. The zero-fee applies to MariBank’s own fee only, not to recipient bank charges or intermediary fees. Combined with the best FX rate guarantee on six currencies (below), the total cost of an overseas transfer in those currencies is close to zero.

Guaranteed Best FX Rates (15 Jun – 31 Oct 2026)

MariBank guarantees the best FX rate on overseas transfers for six currencies: CNY, IDR, INR, USD, PHP, THB. If you find a better rate elsewhere, MariBank will match it.

Expiry note: this promotion ends 31 October 2026 — it is one of the few October promotions with a month-end cutoff rather than a year-end one. If you send regular overseas transfers in these currencies, get them done before the end of October.

Credit Card Promotions

Apply Now and Get Rewarded — S$30 Welcome Cashback (1 Oct – 31 Dec 2026)

New Mari Credit Card applicants who spend at least S$300 within 30 days of card approval receive S$30 cashback — effectively 10% cashback on the first S$300 in qualifying spend.

Conditions:

• New Mari Credit Card customers only
• Minimum S$300 spend within 30 calendar days of card approval
• Shopee Instant Checkout spend does not count towards this minimum
• The S$30 is in addition to the standard 1.5% unlimited cashback the card earns on all other purchases
• Cashback is credited within 100 days of card approval

The S$300 threshold is straightforward to hit in a month — groceries, transport, utilities, or dining. The exclusion of Shopee spend is the only trap: you cannot combine the Shopee vouchers below with this spend requirement.

Shopee Voucher Pack — S$50 Total (1 Oct – 31 Dec 2026)

New Mari Credit Card users receive a S$50 Shopee Voucher Pack for using the Mari Credit Card on Shopee Instant Checkout.

The three vouchers break down as:

The full S$50 requires three separate Shopee Instant Checkout transactions at the right spend thresholds. The S$25 voucher alone covers a S$150+ Shopee order — October’s end-of-year shopping season (think 10.10 and 11.11) is the natural time to use it.

Win S$100K in Free Flight Tickets Draw (1 Oct – 31 Dec 2026)

Every S$5 spent on a Mari Credit Card or Mari Debit Card earns one draw entry for a chance to win return flights for two.

Prize breakdown:

• 5 winners: Business Class return tickets for two
• 45 winners: Economy Class return tickets for two
• Total prize pool: S$100,000 in flight tickets

How entries accumulate: Spend S$5 → one entry. Spend S$50 → 10 entries. There is no cap on entries stated. Destination and airline are not specified — check the full T&Cs in the app once you are a cardholder.

This is a draw mechanic, not a guaranteed reward. For most users, it is a bonus feature on top of the cashback, not a reason to change spending behaviour. Worth noting because it runs automatically with every card spend this quarter.

Travel Smarter — 3% Overseas Cashback for New Users (1 Oct – 31 Dec 2026)

New Mari Credit Card users receive 3% cashback on overseas spend — double the standard 1.5% — during their First 30 Days Card Spend period. The standard overseas rate is 1.5% unlimited cashback with 0% foreign exchange fees (valid till 31 December 2027).

For anyone planning international travel or who makes regular foreign-currency purchases, activating the card before an overseas trip in Q4 2026 captures the double rate for the first 30 days.

Ongoing: 1.5% Unlimited Cashback + 0% FX Fee

The Mari Credit Card’s base proposition, separate from the promotions above:

• 1.5% unlimited cashback on all local and overseas purchases — no categories, no minimum spend, no rotating requirements
• 0% foreign exchange fee on all overseas transactions (valid till 31 Dec 2027)
• No annual fee, permanently
• Instant cashback — credited when transactions post, not at month-end

These are permanent features, not promotional. They are the reason the card earns a place in an everyday wallet after the sign-up promotions expire.

Refer & Get Rewarded

Promotion period: 1–31 October 2026 | Cap: First 10,000 successful referrals

MariBank’s monthly referral programme runs on referral code 8ZUU96EA. Both the person sharing the code and the new user receive the same cash amount, credited to the Mari Savings Account instantly on approval.

October 2026 referral tiers:

To claim the referral reward: enter code 8ZUU96EA in the “Have a Referral / Promo Code? Enter your code here.” field during the MariBank app sign-up flow, before the Singpass identity verification step. The code cannot be added after the application is submitted.

Eligibility: Singapore Citizens and Permanent Residents only, aged 18+, valid Singpass, first-time applicant for the chosen product. Promo code users may not combine with another MariBank promotional code during the same period.

For the full walkthrough — which product tier to choose and exactly where to enter the code — see the step-by-step guide to MariBank referral code 8ZUU96EA.

Instant Loan Promotions

100% Interest Cashback on First 1-Month Loan (1 Oct – 31 Dec 2026)

New Instant Loan users who draw down a 1-month loan receive 100% of the interest paid back as cashback after full, on-time repayment.

Conditions:

• First Instant Loan only — existing loan customers do not qualify
• 1-month repayment term only (not 3-month or 6-month)
• Loan amount: up to S$10,000
• Full and on-time repayment required
• Cashback credited within 90 days of final repayment

What this means in practice: Instant Loan charges an effective interest rate based on a flat fee per month. On a 1-month loan, you pay one month’s interest. That entire interest amount is refunded after you repay. Effectively, a first 1-month loan is interest-free — you borrow, repay, and get the interest back.

This is useful if you need a short-term cash buffer — for bridging a payroll gap, a large unexpected bill, or a purchase you want to smooth over one month. The repayment must be made in full and on time for the cashback to trigger.

MariBank requires you to hold a Mari Savings Account and meet its credit criteria for Instant Loan approval. The loan is unsecured. Check the current flat rate in the app before drawing down — MariBank adjusts rates periodically.

Business Banking Promotions

MariBank’s business banking promotions are separate from personal banking.

Refer SMEs & Get Rewarded (1 Oct – 31 Dec 2026)

Referring a small business owner to open a Mari Business Account pays both parties S$28 cash, credited instantly on approval — the highest single-payout referral tier MariBank offers. The new business customer must be a first-time applicant. Personal banking promo code 8ZUU96EA does not apply — the business referral runs on a separate programme.

Mari Business Loan — Up to S$218 Cash (15 Oct – 15 Nov 2026)

New Mari Business Loan (Credit Line) customers who draw down between 15 October and 15 November 2026 can receive up to S$218 cash. A separate promotion offers up to S$60 cash for opening a credit line without a drawdown. The window closes 15 November — business owners evaluating working capital options should act before then.

How to Stack Multiple MariBank Promos in One Sign-Up

The maximum October 2026 value from a single new personal banking sign-up comes from the Mari Credit Card Bundle path. Here is the full stack, in the order you trigger each reward:

Total direct value (CC Bundle path, all conditions met): up to S$95 (S$15 referral + S$30 cashback + S$50 Shopee) + savings interest + 1% Scan & Pay cashback.

Two things that do not stack: you cannot use promo code 8ZUU96EA and another MariBank promotional code in the same application. Shopee Instant Checkout spend does not count towards the S$300 welcome cashback threshold — the two Shopee triggers (voucher pack and cashback) are separate.

Ordering matters: the promo code must be entered before you hit submit on the application. After that, the rewards follow their own sequences — the cashback and voucher pack are triggered by spend, the referral cash arrives instantly, and the interest runs from day one.

The Promotions That Expire in October

Most of MariBank’s current promotions run through 31 December 2026. Two are October-specific and close at the end of this month:

1. Refer & Get Rewarded (Oct 2026 edition) — 1–31 October 2026. The promo code 8ZUU96EA still works, but the reward amounts reset to November figures from 1 November. Apply and get approved before 31 October to lock in the current amounts.
2. Guaranteed Best FX Rates — ends 31 October 2026. If you need to send money in CNY, IDR, INR, USD, PHP, or THB, do it before the end of the month.

The Scan & Pay cashback, overseas transfer fee waiver, bonus interest, credit card welcome cashback, Shopee Voucher Pack, flights draw, and Instant Loan interest cashback all continue through at least 31 December 2026.

What the October 2026 Promotions Do Not Cover

Mari Invest: No active promotions this month. The Mari Invest Bundle qualifies for the S$8 referral reward, but no Invest-specific bonus rates apply.

Fixed deposits: MariBank does not currently offer a separate fixed deposit product. References to a “MariBank Fixed Deposit Promo” on third-party sites point to the Mari Savings Account Bonus Interest Promotion.

Foreign currency accounts: Not covered by SDIC. The promotions on this page apply to SGD accounts only.

Combining promo codes: Each sign-up accepts one code. You cannot combine two promo codes from different sources — use whichever pays the most for your chosen product tier.

Frequently Asked Questions

Final Thoughts

MariBank has built a promotion stack that rewards engagement across multiple products — the savings account, the credit card, and the Instant Loan each carry their own live offers this month, and several stack cleanly. For a new personal banking customer in October, the most value sits in the Mari Credit Card Bundle path: S$15 referral cash, S$30 welcome cashback, and S$50 Shopee vouchers totalling up to S$95 before interest.

Two deadlines to flag before the end of October: the Refer & Get Rewarded programme closes 31 October, and the Guaranteed Best FX Rates promotion on overseas transfers closes the same day. Both reset or expire — if either is relevant to you, do not wait.

For the full step-by-step guide on applying with promo code 8ZUU96EA and choosing the right product tier, read the MariBank referral code 8ZUU96EA guide. For an honest, full-feature assessment of what it is like to use MariBank day-to-day, the MariBank review Singapore covers the account’s actual strengths and limits.

The promotion terms listed here are based on MariBank’s official promo page, MariBank’s help centre, and The Kopi Notes’ verified October 2026 breakdown, current as at 18 October 2026. Terms change — always confirm current T&Cs on maribank.sg/promo before applying.

This page is updated on the first weekend of each month. If you spot a promotion that has changed or expired mid-month, drop a note in the comments.

Related reading:

• MariBank Referral Code 8ZUU96EA — October 2026: Full Reward Breakdown
• How to Use MariBank Referral Code 8ZUU96EA: Step-by-Step Guide
• MariBank Review Singapore 2026: Is It Worth Switching To?