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$95 in new user rewards under the October 2026 “Refer & Get Rewarded” promotion: S$15 instant cash plus up to S$80 in New to Card Rewards. 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:

• Boosted daily interest for new users. You can earn up to 3.08% p.a., credited daily to your Mari Savings Account under the current promotion. There’s no salary crediting, no minimum spend, and no minimum balance.
• SDIC-insured up to S$100,000 per depositor, the same protection as DBS, OCBC, or UOB.
• Seamless Shopee integration. You can 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

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 New to Card Rewards, 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 October 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.

The 2.88% p.a. one-month Fixed Deposit new-user promo is no longer part of the referral package. It was replaced in September by the boosted daily interest on the savings account itself. That’s arguably a better deal, since there’s no S$5,000 minimum placement and no lock-in.

2. Mari Credit Card New to Card Rewards: Up to S$80

For October 2026, the Mari Credit Card new-user package consists of two parts:

• a S$30 welcome cashback, for a minimum S$300 eligible spend (excluding Shopee spend) within 30 days of card approval
• a S$50 Shopee voucher pack via Mari Credit Card Instant Checkout, down from S$70 in September

The card’s new-user campaign currently runs from 1 October to 31 December 2026.

Combined with the S$15 referral instant cash, the Mari Credit Card bundle remains the highest-value route: up to S$95 in total.

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, because the code cannot be added after account opening.
5. Complete the application and wait for in-app approval (usually within minutes). Your S$8 instant cash (or S$15 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, and your balance starts earning the promotional daily interest right away.
7. Complete the qualifying action for your chosen bundle. For example, spend a minimum S$300 (excluding Shopee spend) within 30 days of card approval to trigger the S$30 welcome cashback.
8. Receive your remaining rewards. Card welcome cashback and Shopee vouchers are credited after you meet 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. MariBank has historically run this monthly, but don’t sit on it.
• Mari Credit Card cashback requires a minimum S$300 in eligible spend within 30 days of card approval. Shopee spend is excluded from the qualifying spend because it has its own voucher-pack reward.
• Keep accounts open. Accounts opened under the promotion generally must remain open and in good standing during and after the promotion period, or MariBank may reclaim the reward.
• 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 and amounts change. The instant cash has ranged from S$5 to S$20 across 2026. October’s savings-only tier is S$8, down from S$10 in September.

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

More Ways to Earn This October

Beyond the referral programme, several MariBank promotions are running alongside it:

Mari Savings Account Bonus Interest Promotion (17 Aug – 31 Dec 2026). This pays bonus interest on top of the 0.88% p.a. base rate, and it’s how MariBank reaches the “up to 3.08% p.a.” headline. Check the Rewards tab for your effective rate.

Scan & Pay 1% Cashback (1 Sep – 31 Dec 2026). You get 1% cashback when you Scan & Pay at NETS SGQR merchants. It’s handy for hawker and heartland spending where cards aren’t accepted. This promo has now been extended to the end of the year.

Win S$100K Worth of Free Flight Tickets (1 Oct – 31 Dec 2026). This is a Mari Credit Card giveaway with S$100,000 worth of flight tickets up for grabs. Entry mechanics and eligible spend are on the official promotions page.

Instant Loan: 100% Interest Cashback (1 Oct – 31 Dec 2026). You get 100% interest cashback on your first 1-month Instant Loan. Only borrow what you actually need, since a loan is still a credit commitment.

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. The headline “up to 3.08% p.a.” depends on promotional boosts that have end dates. On base rate alone, MariBank trails the bonus-rate tiers on accounts like UOB One, OCBC 360, or DBS Multiplier when you fulfil their requirements. Those accounts make you jump through hoops, though, and MariBank doesn’t.

Where MariBank wins:

• Promotional daily interest up to 3.08% p.a. with no minimum placement or lock-in. That’s simpler than the old fixed deposit route it replaced.
• SDIC deposit insurance up to S$100,000 gives you the same protection as the Big Three local banks.
• The Shopee integration is genuinely valuable if you already use Shopee regularly. You get Shopee Coins on Mari Credit Card spend, the S$50 voucher pack on Instant Checkout, and ShopeePay top-up.
• 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, so check current T&Cs.

What it is not worth: opening MariBank purely for the card cashback if you don’t need a new credit card, won’t naturally hit the S$300 minimum spend, or don’t want a hard credit-card application on your file. Be honest about your usage before bundling. That said, the S$8 instant cash plus boosted daily interest is still a reward without taking the card. It’s just smaller than last month.

FAQ

How long does the MariBank bonus take to credit?

The referral instant cash is credited instantly to your Mari Savings Account upon successful application. It’s S$8 for the Mari Savings Account or Mari Invest bundle and S$15 for the Mari Credit Card or Instant Loan bundle. The S$30 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 one that is now closed, you will not qualify for the welcome referral cash. You may still be eligible for product-specific welcome rewards on new products such as the Mari Credit Card, so check the in-app offer.

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

There is no minimum deposit to open the Mari Savings Account, and the S$8 instant cash is credited on successful application alone. To claim the Mari Credit Card welcome cashback, you’ll need S$300 in eligible non-Shopee spend within 30 days of card approval.

What is the current Mari Savings Account interest rate?

The base rate is 0.88% p.a., with interest calculated daily. Under current promotions, eligible customers can earn up to 3.08% p.a. credited daily. These include the Bonus Interest Promotion, which runs until 31 December 2026, and the new-user boost. The base rate has no balance tiers, salary crediting requirements, or minimum spend conditions. Check the latest rates on MariBank’s website or in the app for the promotional tiers.

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. 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. Some products, such as the Mari Debit Card, may have broader eligibility, so 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. A MariBank promo code from an official campaign and a personal referral code like 4OVQ01AP both go 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.

Ready to sign up? Download the MariBank app from the Apple App Store or Google Play Store, and enter referral code 4OVQ01AP at sign-up.