Maribank Referral Code: 4OVQ01AP

Looking for a working MariBank referral code in Singapore? Use 4OVQ01AP when you sign up in the MariBank app to unlock up to S$100 in new user rewards under the August 2026 “Refer & Get Rewarded” promotion. The code works for Singapore citizens and PRs opening a Mari Savings Account, with optional add-ons for the Mari Credit Card, Instant Loan, and Mari Invest bundles.

What Is MariBank and Why Use It

MariBank is a MAS-licensed digital full bank in Singapore, wholly owned by Sea Limited — the same parent company behind Shopee and Garena. It received its digital full bank licence from the Monetary Authority of Singapore and rolled out its retail savings product publicly in 2022–2023, before expanding into credit cards, fixed deposits, instant loans, and SME banking.

Why it has gained traction with Singapore savers:

• No-hoops interest on the Mari Savings Account — no salary crediting, no minimum spend, no minimum balance. Just open the account and start earning. A new Bonus Interest Promotion (running till 31 December 2026) now boosts returns above the base rate — see below.
• SDIC-insured up to S$100,000 per depositor, the same protection as DBS, OCBC, or UOB.
• Seamless Shopee integration — pay directly from your Mari Savings Account or Mari Credit Card for Shopee vouchers and Shopee Coins cashback.
• Singpass / MyInfo onboarding — account opening typically takes under 10 minutes from your phone.

If you already shop on Shopee, top up your ShopeePay wallet, or want a no-conditions savings account that just works in the background, MariBank is one of the easier wins in the Singapore digital banking space.

MariBank Referral Code 4OVQ01AP — What You Actually Get

It’s important to understand that MariBank’s new-user offer is made up of two distinct components: the referral programme rewards (triggered by entering the code) and the Mari Credit Card welcome promotion (triggered by applying for and using the card). Many other guides blur these together. Here’s the clean breakdown:

1. Referral Programme Rewards (via code 4OVQ01AP)

Under the current MariBank new user promotion (valid 1–31 August 2026), entering 4OVQ01AP during sign-up unlocks the following rewards, depending on which products you bundle:

The instant cash is credited to your Mari Savings Account immediately upon successful application. The promotion is limited to the first 10,000 successful referrals for the month.

2. Mari Credit Card Welcome Rewards: Up to S$100 This August

MariBank has refreshed its Mari Credit Card new-user campaign for 1–31 August 2026, headlining up to S$100 in new user rewards — up from the S$80 package in July. This includes the welcome cashback (minimum S$300 eligible spend, excluding Shopee spend, within 30 days of card approval) and the S$50 Shopee voucher pack via Mari Credit Card Instant Checkout.

Combined with the S$20 referral instant cash, the Mari Credit Card bundle remains the highest-value route for most new users.

How to Use the MariBank Referral Code (Step-by-Step)

Here’s exactly how to apply 4OVQ01AP and claim your bonus without missing a step:

1. Download the MariBank app from the Apple App Store, Google Play Store, or Huawei AppGallery. The publisher should be MariBank Singapore Private Limited.
2. Tap “Open an Account” and choose Mari Savings Account.
3. Authenticate with Singpass / MyInfo. This auto-fills your NRIC details, address, and contact info. You’ll need your Singpass app ready.
4. Enter the referral code 4OVQ01AP in the “Referral / Promo Code?” field during the application. This step is critical — the code cannot be added after account opening.
5. Complete the application and wait for in-app approval (usually within minutes). Your S$15 instant cash (or S$20 for the Credit Card / Instant Loan bundle) is credited to your Mari Savings Account upon successful application.
6. Fund your account via PayNow or FAST transfer from your existing bank. There’s no minimum deposit to open, but you’ll need funds in the account to use Mari Fixed Deposit or activate card spend.
7. Complete the qualifying action for your chosen bundle — e.g. spend a minimum S$300 (excluding Shopee spend) within 30 days of card approval to trigger the welcome cashback.
8. Receive your remaining rewards. Card welcome cashback and Shopee vouchers are credited after meeting the qualifying criteria, typically within 100 days of card approval.

Eligibility & Terms You Should Know

Before signing up, check that you actually qualify. The MariBank referral promotion has clear cut-offs:

• You must be a new MariBank customer. If you have previously opened a Mari Savings Account, you are not eligible for the referral cash — even if your old account is now closed.
• Singapore Citizen or Permanent Resident only for the personal banking products covered by this referral.
• Aged 18 and above.
• Valid Singpass account required for MyInfo verification.
• Promotion is capped at the first 10,000 successful referrals each month — historically MariBank has run this monthly, but don’t sit on it.
• Mari Credit Card cashback requires minimum S$300 in eligible spend within 30 days of card approval, with Shopee spend excluded from the qualifying spend (it has its own voucher-pack reward instead).
• Mari Fixed Deposit promo rate (2.88% p.a. for 1 month) requires a placement of S$5,000 to S$50,000 within 30 days of account opening.
• One code per sign-up. Using a referral code makes you ineligible for other MariBank promo codes during the same promotion period.
• Promotion is monthly. MariBank typically renews the “Refer & Get Rewarded” promo each month, but the exact mix and amounts can change. The current iteration runs from 1 to 31 August 2026.

For full legal terms, refer to the Refer & Get Rewarded with MariBank (Aug 2026) Promotion T&Cs on the official MariBank site.

New This Month: Bonus Interest & Mari Invest Rewards

Two additional MariBank promotions are running alongside the referral programme, and both are worth knowing before you decide how much to park with them:

Mari Savings Account Bonus Interest Promotion (20 Jul – 31 Dec 2026). MariBank is now offering bonus interest on top of the 0.88% p.a. base rate for the Mari Savings Account. This partially addresses the biggest criticism of the account since the January 2026 rate cut. Check the Rewards tab in the MariBank app for the current bonus rate tiers and qualifying conditions.

Mari Invest: Up to S$388 Worth of Rewards (1 Aug – 30 Sep 2026). New Mari Invest customers can earn up to S$388 in rewards during this two-month campaign. Mari Invest is MariBank’s low-barrier investment product (from S$1, no lock-in), with portfolios like SavePlus managed by Lion Global Investors. Note that investment products are not SDIC-insured and returns are not guaranteed — this is a different risk profile from the savings account. See the official promotions page for the full mechanics.

Is the MariBank Referral Bonus Worth It?

Honest answer: yes — but be clear-eyed about what you are signing up for.

The Mari Savings Account base interest rate is 0.88% p.a. (effective from January 2026), with no minimum balance, no salary crediting, and no spending conditions. On its own, that’s lower than the bonus-rate tiers on accounts like UOB One, OCBC 360, or DBS Multiplier when you fulfil their requirements. The new Bonus Interest Promotion (till 31 December 2026) improves the picture — check the app for the current effective rate before deciding how much to park.

Where MariBank still wins:

• The 1-month 2.88% p.a. Mari Fixed Deposit is a genuinely competitive short-term parking spot for S$5,000–S$50,000, especially compared to standard FD rates from incumbent banks.
• SDIC deposit insurance up to S$100,000 gives you the same protection as the Big Three local banks.
• The Shopee integration — Shopee Coins on Mari Credit Card spend, voucher pack on Instant Checkout, ShopeePay top-up — is genuinely valuable if you already use Shopee regularly.
• The Mari Credit Card has no annual fee and offers 1.5% cashback including on overseas spend with no FX fee (promo end-dates apply — check current T&Cs).

What it is not worth: opening MariBank purely for the card cashback if you do not need a new credit card, will not naturally hit the S$300 minimum spend, or do not want a hard credit-card application on your file. Be honest about your usage before bundling. That said, the S$15 instant cash for a standalone savings account sign-up means there’s a meaningful reward even without taking the card.

FAQ

How long does the MariBank bonus take to credit?

The referral instant cash — S$15 for the Mari Savings Account or Mari Invest bundle, S$20 for the Mari Credit Card or Instant Loan bundle — is credited instantly to your Mari Savings Account upon successful application. The Mari Credit Card welcome cashback and S$50 Shopee voucher pack are credited after you meet the qualifying spend or checkout conditions, within 100 days of card approval. Always check the in-app rewards centre for the latest status.

Can I use the MariBank referral code if I already have an account?

No. The referral programme is strictly for new MariBank customers. If you have previously opened a Mari Savings Account — even if it is now closed — you will not qualify for the welcome referral cash. You may, however, still be eligible for product-specific welcome rewards on new products (e.g. Mari Credit Card) — check the in-app offer.

Do I need a minimum deposit to claim the MariBank sign up bonus?

There is no minimum deposit just to open the Mari Savings Account — and the S$15 instant cash is credited on successful application alone. However, to claim the bigger rewards: the Mari Fixed Deposit 2.88% p.a. promo requires a S$5,000 to S$50,000 placement, and the Mari Credit Card welcome cashback requires S$300 in eligible non-Shopee spend within 30 days.

What is the current Mari Savings Account interest rate?

As of 2026, the Mari Savings Account offers 0.88% p.a. base interest, with interest calculated daily and credited monthly. There are no balance tiers, no salary crediting requirement, and no minimum spend conditions. A Bonus Interest Promotion running from 20 July to 31 December 2026 offers additional interest on top of the base rate — check the latest rate on MariBank’s website or in the app.

Is MariBank safe? Is my money insured?

Yes. MariBank Singapore Private Limited is a fully licensed digital bank regulated by the Monetary Authority of Singapore (MAS). Singapore dollar deposits are insured by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000 per depositor — the same protection level as DBS, OCBC, and UOB. Note that Mari Invest products are investments, not deposits, and are not covered by SDIC insurance.

Can foreigners or EP holders use the MariBank referral code?

The Mari Savings Account and the referral programme are open only to Singapore Citizens and PRs aged 18 and above. Employment Pass and S Pass holders are generally not eligible for the personal banking referral, although certain products (such as the Mari Debit Card) may have broader eligibility — check the in-app application flow for the latest criteria.

What’s the difference between the MariBank promo code and the referral code?

In practice, they share the same field. When you sign up, MariBank displays a single “Referral / Promo Code?” input. Whether you are using a MariBank promo code from an official campaign or a personal referral code like 4OVQ01AP, it goes in the same box. Only one code can be applied per sign-up.

What happens if I miss entering the referral code during sign-up?

Unfortunately, the code cannot be added after account opening. If you have already opened a Mari Savings Account without entering a code, you will not be eligible for the referral cash on that account. You may still be eligible for product-specific welcome rewards when you separately apply for products like the Mari Credit Card.