Sign up for YouBiz, the YouTrip team's fee-less business account and corporate card, with referral code YOUp9l3U4Jw. Once your business is approved and you make one card spend of S$5 or more within 90 days, S$50 is credited to your SGD account.
YouBiz referral code
YOUp9l3U4Jw
Applied automatically when you use the button below. Typing it? It is case-sensitive, with a lowercase L after the 9.
New YouBiz users only · S$5 minimum single card spend · First 10 new users per code · T&Cs apply
💰
S$50
Cash credit after your first S$5 card spend
💳
1%
Unlimited cashback on eligible card spend
🏦
S$0
Per month, with no annual card fee
YouBiz referral code YOUp9l3U4Jw — October 2026 reward at a glance: the S$50 credit, the S$5 card spend, the 90-day window and how to claim.
Step by step
How to use the YouBiz referral code
Five steps from sign-up to payout. The code goes in during registration, and the 90-day clock starts when your account is approved, not when you apply.
1
Open the YouBiz sign-up page with the code applied
Use the button on this page and YOUp9l3U4Jw is filled in for you. If you register at biz.you.co/register yourself, paste the code into the referral code field.
Singpass (MyInfo Business) is the fastest route and takes under 5 minutes. To apply manually, have an ACRA Business Profile dated within the last 3 months and a photo of your NRIC (front and back) or an accepted ID. A signed authorisation letter is needed if you are not a company director. See who qualifies below.
3
Wait for your account to be approved
YouBiz emails you within 1 to 2 business days. Your 90-day window for the qualifying card spend starts from the approval date.
4
Make one card spend of S$5 or more
One card purchase of S$5 or more in a single transaction (or the equivalent in another currency) within 90 days of approval. Virtual cards are ready instantly; a physical card, if pre-ordered, arrives in 5 to 7 working days.
⚠️Several smaller purchases do not add up. YouBiz's rule is a minimum of S$5 in a single transaction.
5
Receive S$50 in your SGD account
YouBiz credits the S$50 automatically to your default SGD sub-account, and it shows in your transaction list as a Referral credit.
✅YouBiz's own example: a S$5 spend on 25 March is credited after 25 March and no later than 25 April.
Your reward
What the YouBiz sign-up code gives you
One flat reward. There are no tiers and no deposit to make, only the S$5 card spend.
S$50One-time cash credit
Cash into your default SGD sub-account
Paid once, after your new YouBiz business account is approved and you complete the qualifying card spend, when you sign up with code YOUp9l3U4Jw.
New YouBiz user: your business has not signed up with YouBiz before
One card spend of S$5 or more, in a single transaction, within 90 days of account approval
Limited to the first 10 new users to complete that spend through this code
💡The 10-user limit is first come, first served and DLCuration cannot see how many places remain, so open your account sooner rather than later.
ℹ️YouBiz's cashback exclusions (tax, government, education and similar payments) are listed in its Help Centre, and it does not say whether they also apply to the referral spend. An ordinary merchant purchase on the virtual card, such as software or office supplies, is the safe choice.
YouBiz SME business account · October 2026
What the YouBiz business account offers
The S$50 is a one-off. This is what you are signing up for, based on YouBiz's Help Centre and website, checked 12 October 2026.
💸
Unlimited 1%
Cashback on eligible card spend
Online and offline, with no minimum spend and no cap. Cashback is credited to the card's linked sub-account on or before the 15th of the following month.
💳
Unlimited cards
Virtual and physical corporate cards
Issue a card per team member with its own limit and merchant restrictions. They are debit-style, drawing on the sub-account you choose, not credit cards.
🌍
Real 0% FX fee
On foreign-currency card spend
Spend in 150+ currencies at Mastercard acceptance points. YouBiz uses wholesale rates, typically within 0.1 to 0.4% of published rates.
🏦
8 currencies
Currency accounts and sub-accounts
SGD, USD, EUR, GBP, JPY, HKD, AUD and CHF, with up to 30 sub-accounts and no limit on balance. Exchanging between them carries no fee.
✈️
S$0 local transfers
Overseas payments to 140+ countries
Sending SGD locally is free, and incoming payments are free. Overseas fees are tiered by currency; the Transfer Calculator shows the exact amount before you send.
👥
Team controls
Roles, approvals and Xero sync
Invite as many team members as you need, set approval policies for transfers, attach receipts, and sync expenses to Xero.
⚠️What to know: cashback is not paid on payments to banks, wallets, investment, insurance or crypto platforms, bill-payment aggregators, buy-now-pay-later providers, transit top-ups, or on tax, government, school, hospital and charity merchant categories. The card cannot withdraw cash from Singapore ATMs, as it is built for business and overseas spending.
Eligibility
Who qualifies for the S$50
The reward is for businesses that are new to YouBiz. Check the business first, then the timeline.
✅You qualify if: your business operates in Singapore and has never had a YouBiz account; you sign up with code YOUp9l3U4Jw; YouBiz approves the account; you make one card spend of S$5 or more in a single transaction within 90 days of approval; and you are among the first 10 new users to do so through this code.
⚠️You don't qualify if: you are an existing YouBiz user or have signed up before; the code was not applied at sign-up; your card spend is under S$5 per transaction or falls after the 90-day window; or the application is rejected. YouBiz also does not accept adult entertainment, marijuana, embassies, traders in precious metals and mining, atomic power, firearms, casinos, gaming or internet gambling companies, and offshore shell companies.
ℹ️Good to know: YouBiz may refuse or restrict an account at its discretion after its screening checks. This page is for business accounts. If you want a personal account for your own travel and everyday spending, see the YouTrip section below.
Personal account
Want a personal YouTrip account too?
YouBiz is for your registered business. YouTrip is the separate personal wallet for your own travel and everyday spending, with its own app, sign-up and reward. YouBiz's Help Centre confirms you can apply for either or both.
This page
YouBiz business account
Corporate cards, supplier and payroll payments, team spend. S$50 with code YOUp9l3U4Jw after your first S$5 card spend.
ℹ️Opening a personal YouTrip account does not affect your YouBiz eligibility. The YouBiz reward only requires that your business is new to YouBiz.
FAQ
YouBiz referral code questions
Based on YouBiz's Help Centre and Terms & Conditions, checked 12 October 2026.
You receive a one-time S$50 reward. It is credited to your default SGD sub-account after your YouBiz business account is approved and you make your first card spend of S$5 or more in a single transaction within 90 days. The reward is limited to the first 10 new YouBiz users who complete that spend through this code.
Yes. YouBiz runs one referral programme, and its registration link carries the code as a promo-code parameter. YOUp9l3U4Jw is what other sites call the YouBiz promo code, sign-up code or bonus code. YouBiz's Help Centre does not list a separate sign-up promo code, so use this one at registration.
Open the sign-up link on this page and the code is applied automatically, or type YOUp9l3U4Jw into the referral code field during registration at biz.you.co/register. YouBiz's Help Centre says the code is entered during sign-up and does not describe adding one afterwards, so if you have already applied without it, contact YouBiz support at youbiz.help@you.co before assuming the reward can be added.
Make one card purchase of S$5 or more, or the equivalent in another currency, in a single transaction within 90 days of your account approval. Several smaller purchases do not add up. The S$50 is then credited automatically to your default SGD sub-account and appears as a Referral transaction. YouBiz's own example: a S$5 spend on 25 March is credited after 25 March and no later than 25 April. Virtual cards are ready instantly, and a physical card, if pre-ordered, arrives in 5 to 7 working days.
A business operating in Singapore that passes YouBiz's screening. YouBiz does not accept certain businesses, including adult entertainment, marijuana, embassies, traders in precious metals and mining, atomic power, firearms, casinos, gaming or internet gambling companies, and offshore shell companies. Applying with Singpass (MyInfo Business) takes under 5 minutes. A manual application needs an ACRA Business Profile dated within the last 3 months and a photo of the applicant's NRIC or an accepted ID, plus a signed authorisation letter if the applicant is not a director. YouBiz replies by email within 1 to 2 business days.
YouBiz is the business account from the YouTrip team, and many people search for it as YouTrip Business. It is separate from the personal YouTrip app: YouTrip is a multi-currency wallet for individual spending, while YouBiz is for business payments such as supplier payments, payroll and marketing expenses. YouBiz's Help Centre confirms you can apply for either product or both. For a personal account, see our YouTrip referral link page.
YouBiz advertises S$0 per month and no annual fee for the card. Sending SGD to a local bank and exchanging currencies within your account carry no fee, and incoming payments are free. Overseas transfers use tiered fixed and variable fees by currency, shown in the Transfer Calculator before you send. Cards earn unlimited 1% cashback on eligible spend with no minimum and no cap, credited on or before the 15th of the following month. Payments such as tax, government, education, insurance, investment and wallet top-ups are excluded.
YouBiz is operated by You Technologies Group (Singapore) Pte. Ltd., which is licensed as a major payment institution under the Payment Services Act by the Monetary Authority of Singapore. Customer money is held on trust in dedicated segregated accounts with DBS, Standard Chartered, OCBC and Deutsche Bank. YouBiz is not a bank, so balances are not covered by SDIC deposit insurance.
YouBiz says referral codes and links are unique and do not expire, and the programme runs while it is ongoing, with no end date stated. YouBiz can change or end the programme, and the S$50 is limited to the first 10 new users per code, so open your account sooner rather than later.
Regulatory notice: YouBiz is operated by You Technologies Group (Singapore) Pte. Ltd., which is licensed as a major payment institution under the Payment Services Act 2019 by the Monetary Authority of Singapore. It is not a bank: balances are not bank deposits and are not insured under the Singapore Deposit Insurance Scheme. Customer money is held in dedicated segregated accounts with DBS Bank, Standard Chartered Bank (Singapore), OCBC and Deutsche Bank AG, Singapore Branch, in line with Payment Services Act safeguarding requirements. YouBiz cards are debit-style, not credit cards. All YouBiz applications are subject to YouBiz's approval and screening, and YouBiz may change or end the referral programme at any time. This is not financial advice.
Get S$50 with your YouBiz business account.
Copy the code, open your account with it applied, then make one S$5 card spend within 90 days of approval.
