Best Digital Bank Referral Codes in Singapore (2026): Ranked by Actual Sign-Up Value
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If you are opening a new bank account or credit card in Singapore, you should be using a referral code. Every major digital bank runs one — and the sign-up bonuses on offer in 2026 are better than anything the traditional banks are matching.
The problem is that most comparisons stop at the headline number. “S$80 cash credit” sounds great until you read that it requires S$1,000 in spend within the first 30 days, which most people will not complete on a new card they just signed up for. A guaranteed S$18 with no spend requirement is often worth more in practice than a conditional S$80 you might not hit.
I have gone through every active digital bank referral programme available to Singapore residents and ranked them on what you actually walk away with — not the best-case figure on the marketing banner.
Here are the best digital bank referral codes in Singapore for 2026.
What to Look For in a Digital Bank Referral Code
Guaranteed vs conditional rewards. The most valuable referral rewards are guaranteed — you sign up, you receive the reward, no further action required. Conditional rewards that require minimum spend, direct deposit, or bill payments within a set window are worth less in practice than their headline suggests.
No-minimum-spend sign-up bonuses. A no-minimum-spend bonus is rare and valuable. It means you receive the reward purely for signing up and being approved, regardless of how much you subsequently spend on the card or account.
Cash vs non-cash rewards. Cash credited to a card account is the most liquid reward — you can spend it on anything. Vouchers (FairPrice, CapitaLand, Grab) are useful but restrict where you can redeem. Stock gifts are valuable for investors but illiquid for everyone else.
Income and eligibility requirements. Some credit card referral rewards require a minimum annual income to even qualify for the card — typically S$30,000 for Singapore citizens and PRs. Bank account bonuses are more accessible, often requiring only that you are a Singapore resident aged 18 and above.
Stacking potential. The best referral codes can be combined with other promotions running at the same time — a referral bonus on top of a bank’s own new customer offer. Worth checking whether both can be claimed simultaneously.
The Best Digital Bank Referral Codes in Singapore 2026
| Bank | Referral Code | Referee Reward | Min. Spend Required | Reward Type |
|---|---|---|---|---|
| Trust Bank | 2GG9T8K3 | S$18 – S$8,000 | None | Sure-win cash or stock |
| GXS Bank | CHRI688 | Up to S$128 | Varies by promo | Cash / voucher |
| MariBank | 8ZUU96EA | Up to S$50 | S$500/month | Cashback |
| Chocolate Finance | https://share.chocolate.app/nxW9/su3w13ht | Up to S$20 | None | Cash credit |
1. Trust Bank — Best Overall Referral Code in Singapore Right Now
→ Sign up with Trust Bank referral code 2GG9T8K3 (sure-win gift, no min. spend)
Trust Bank’s referral programme is the strongest on this list right now — specifically because the reward is guaranteed, with no minimum spend, and the maximum potential is one of the highest available from a Singapore digital bank.
Sign up using referral code 2GG9T8K3, apply for the Freedom credit card or NTUC Link / Trust Link credit card, and you receive a Golden Scratch Card in the app under Rewards → Quests within 24 hours of approval. The card is a sure-win: you are guaranteed to reveal one of six values — S$18, S$28, S$88, S$288, S$888, or S$8,000.
If you apply for the Freedom credit card and select the Stockback reward, your gift is a fractional stock valued at USD 18, 28, 88, 288, 888, or 8,000 in one of seven companies: NVIDIA, Microsoft, Apple, Amazon, Alphabet (Google), Meta or Tesla.
What Trust Bank is great at:
- Guaranteed reward with absolutely no minimum spend required — you receive it just for signing up and getting approved
- Maximum potential (S$8,000 / USD 8,000) is significantly higher than any other digital bank referral in Singapore
- Two qualifying products — Freedom credit card and Trust Link card — so you can choose based on your spending pattern
- Zero annual fee on both qualifying cards, permanently
- Backed by Standard Chartered and FairPrice Group, MAS-licensed digital full bank
Where it falls short:
- The sure-win gift is random within the tier structure — most recipients will land in the S$18–S$88 range, not the upper tiers
- The referral reward applies to credit card sign-ups only, not a savings account sign-up alone
- You must be new to Trust Bank entirely — no existing or previously cancelled Trust account
Pricing:
- Freedom credit card: S$0 annual fee (permanent)
- NTUC Link / Trust Link credit card: S$0 annual fee (permanent)
- Minimum annual income: S$30,000 (Singapore citizens/PRs), S$60,000 (foreigners)
Bottom line: Trust Bank has the most valuable digital bank referral code in Singapore right now, primarily because of the no-minimum-spend guarantee and the S$8,000 maximum. Even the minimum tier (S$18) is real cash in your account for zero effort beyond applying. Use code 2GG9T8K3 when signing up — the code must be entered at “Get Started”, before any personal details.
→ Get the full Trust Bank referral code breakdown and tiers
2. GXS Bank — Best for GIGA! Savings Account Users
→ Sign up for GXS Bank — check current referral code at the GXS referral code page
GXS Bank — backed by Grab and Singtel — targets Singapore’s gig economy workers, freelancers, and small business owners. Its FlexiLoan product is particularly useful for self-employed individuals who do not have consistent payslips for traditional loan applications.
The GXS referral programme offers cash bonuses and vouchers to new account holders. Specific promo terms change quarterly, and the current reward and code can be found on DLCuration’s GXS referral code page.
What GXS is great at:
- GIGA! Savings Account with competitive tiered interest rates for young savers
- FlexiLoan with flexible repayment — useful for gig workers and self-employed individuals
- Strong integration with Grab ecosystem for regular Grab users
- Zero minimum balance on savings account
Where it falls short:
- Referral bonus varies by promotion and typically carries minimum spend or deposit conditions
- No credit card product as of mid-2026 — savings and loan products only
- Not as established as Trust Bank in the credit card space
Bottom line: GXS is a solid option for Grab users and self-employed Singaporeans who want flexible borrowing. The referral bonus is worth claiming but the conditions vary — check the current terms before applying.
→ See current GXS referral code and bonus terms
3. MariBank — Best for Existing Sea Group Ecosystem Users
→ Sign up for MariBank — check current referral code at the MariBank referral code page
MariBank is Singapore’s youngest digital full bank, backed by Sea Group (the company behind Shopee and Garena). It launched with a competitive savings account interest rate as its primary hook.
The MariBank referral programme offers cashback bonuses for new account sign-ups, typically requiring a minimum monthly deposit or spend to unlock the full reward. Current terms and code are on DLCuration’s MariBank referral code page.
What MariBank is great at:
- Competitive savings account interest rates — one of the highest among Singapore’s digital banks for qualifying balances
- Clean, simple app interface with a low-friction account opening process
- Shopee ecosystem integration — useful for regular Shopee shoppers
- MAS-licensed digital full bank, SDIC-insured up to S$100,000
Where it falls short:
- Referral bonus typically requires minimum monthly deposit or spend to unlock
- Product range is currently narrower than Trust Bank — primarily savings-focused
- MariCredit card is newer and less established than Trust Bank’s Freedom card
Bottom line: MariBank is worth opening for the savings account interest rate, particularly if you already use Shopee regularly. The referral reward has conditions — read the current terms carefully before applying.
→ See current MariBank referral code and bonus terms
4. Chocolate Finance — Best for Wealth Management Newcomers
→ Sign up for Chocolate Finance — check current referral at the Chocolate Finance referral page
Chocolate Finance is not a bank in the traditional sense — it is a licensed fund management company that wraps its investment products in a bank-like user experience, offering high-yield savings-equivalent returns through its cash management solutions.
The sign-up referral typically offers a cash credit for new users who fund their account above a minimum threshold. Current code and terms are on DLCuration’s Chocolate Finance referral page.
What Chocolate Finance is great at:
- Higher potential yields than most bank savings accounts, achieved through money market fund exposure
- Simple app interface that removes the complexity usually associated with fund investing
- No lock-up period — funds are generally accessible, subject to fund redemption timelines
Where it falls short:
- Not a licensed bank — returns are not guaranteed and are not SDIC-insured like bank deposits
- Fund returns fluctuate with market conditions — the advertised rate is not fixed
- Referral bonus usually requires an initial funding amount
Bottom line: Chocolate Finance belongs in the conversation for Singaporeans looking to park idle savings at better-than-bank rates. Understand that this is a fund management product, not a bank deposit — the risk profile is different. The referral bonus is a nice addition but should not be the main reason to sign up.
→ See current Chocolate Finance referral code and terms
How to Choose the Right Digital Bank Referral Code
The right answer depends on what you actually need:
If you want the highest guaranteed value with no strings attached → Use Trust Bank referral code 2GG9T8K3 and apply for the Freedom credit card or Trust Link card. The no-minimum-spend guaranteed gift is the best risk-adjusted sign-up bonus available right now in Singapore.
If you are a frequent Grab user or self-employed → GXS Bank’s FlexiLoan and GIGA! Savings Account are worth looking at alongside the Trust Bank account — they serve different use cases and are not mutually exclusive.
If you want the highest savings interest rate → Compare MariBank’s current rate against GXS and Chocolate Finance, then open the one with the best current rate. These rates change quarterly, so the ranking shifts.
If you want better-than-bank returns on idle cash without managing investments → Chocolate Finance is worth exploring, with the explicit understanding that it is not SDIC-insured.
Nothing stops you from signing up for all four over time. Each sign-up is independent. Use the referral code for each one — there is no reason to leave sign-up bonuses unclaimed.
The Recommended Stack for Singapore Savers in 2026
| Product | Purpose | Referral Code |
|---|---|---|
| Trust Bank Freedom card | Everyday credit card, no FX fees, zero annual fee | 2GG9T8K3 |
| GXS Bank savings account | Supplementary savings with Grab integration | CHRI688 |
| MariBank savings account | High-interest savings for Shopee users | 8ZUU96EA |
| Chocolate Finance | Higher-yield cash parking beyond FDIC limit | https://share.chocolate.app/nxW9/su3w13ht |
Total sign-up time for all four: approximately 45–60 minutes. Total potential value from referral codes: S$18+ guaranteed (Trust Bank) plus conditional bonuses from the others.
Start with Trust Bank because the referral reward requires no spend conditions. The code must be entered at the first screen when you open the app — if you miss that window, the reward disappears.
Frequently Asked Questions
Can I use multiple digital bank referral codes at the same time?
Yes. Each sign-up is completely independent. You can sign up for Trust Bank, GXS, MariBank, and Chocolate Finance in the same week, using a different referral code for each. There is no conflict between them. The only constraint is that each referral reward has its own eligibility criteria — typically that you are new to that specific bank.
Which digital bank referral code gives the best reward in Singapore right now?
Trust Bank referral code 2GG9T8K3 offers the best guaranteed reward — a sure-win gift from S$18 to S$8,000 with no minimum spend required. Other digital bank referral bonuses in Singapore typically carry minimum spend or deposit requirements that reduce their practical value.
Is it safe to sign up for a digital bank in Singapore using a referral code from the internet?
Yes, provided the bank is MAS-licensed. Trust Bank, GXS Bank, and MariBank are all MAS-licensed digital full banks — your SGD deposits are SDIC-insured up to S$100,000. Using a referral code does not affect the security of your account in any way — it simply links your sign-up to the referrer for bonus tracking purposes.
Do digital bank referral codes expire?
Referral codes themselves may remain valid indefinitely, but the specific promotional reward attached to them changes over time. A code that gave S$50 in one quarter might give a different amount in the next, or the programme might change entirely. Always check the current terms on the referral page before signing up, and do not assume a historical screenshot reflects today’s offer.
Can Singapore PRs use these referral codes?
Yes. All four digital banks on this list accept applications from Singapore Permanent Residents. Income requirements apply for credit card products — typically S$30,000 annual income for Singapore citizens and PRs. Savings account products generally have lower or no income requirements.
Final Verdict
The best digital bank referral codes in Singapore in 2026, ranked by actual take-home value:
- Trust Bank (2GG9T8K3) — best overall: guaranteed reward, no minimum spend, highest maximum
- GXS Bank — best for Grab ecosystem users and self-employed individuals
- MariBank — best savings interest rate for qualifying balance holders
- Chocolate Finance — best for cash parking above standard bank rates
None of these are mutually exclusive. The practical move is to start with Trust Bank because the reward condition is the simplest — enter the code, apply for the card, collect the guaranteed gift — then work through the others based on your actual financial needs.
→ Sign up with Trust Bank referral code 2GG9T8K3 — sure-win gift up to S$8,000, no minimum spend
Using any of these referral codes? Let me know in the comments which bank you went with first and what bonus you received.
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