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$80 in new user rewards under the May 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 and Instant Loan.

What Is MariBank and Why Use It

MariBank is a MAS-licensed digital full bank in Singapore, owned by Sea Limited — the same parent company behind Shopee and Garena. It launched its retail savings product to the public in 2023 and has steadily expanded into credit cards, fixed deposits, instant loans, and SME banking.

Why it’s gained traction with Singapore savers:

• No-hoops interest rate on the Mari Savings Account — no salary crediting, no minimum spend, no minimum balance.
• 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 stackable Shopee vouchers and cashback.
• Singpass / MyInfo onboarding — account opening typically takes under 10 minutes from your phone.

If you already shop on Shopee, use ShopeePay, or want a parked emergency fund earning more than your DBS Multiplier base rate, MariBank is one of the easier wins.

MariBank Referral Code 4OVQ01AP — What You Get

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

Total maximum value for a personal banking customer: up to S$80 when you take the Mari Credit Card bundle and hit the minimum spend.

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 or Google Play Store. Search “MariBank Singapore” — 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).
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. apply for the Mari Credit Card and spend a minimum S$300 within 30 days of card approval to trigger the S$30 cashback.
8. Receive your reward. Cashback and Shopee vouchers are typically credited within 30–60 days of meeting the qualifying criteria. The referrer’s S$10 is credited after your account is successfully opened and the qualifying conditions are met.

Eligibility & Terms You Should Know

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

• You must be a new MariBank customer. If you’ve previously opened a Mari Savings Account, you’re not eligible — even if it’s now closed.
• Singapore Citizen or Permanent Resident only. Employment Pass and S Pass holders cannot open a MariBank personal account at present.
• Aged 18 and above.
• Valid Singpass account required for MyInfo verification.
• First 10,000 successful referrals in the month — the promotion is capped, so don’t sit on it.
• Mari Credit Card cashback requires minimum S$300 in eligible spend within 30 days of card approval (Shopee spend may be excluded — check the Mari Credit Card T&Cs).
• Mari Fixed Deposit promo rate (2.88% p.a. for 1 month) requires you to place between S$5,000 and S$50,000 within 30 days of opening your Mari Savings Account.
• Promotion expires 31 May 2026. MariBank typically renews monthly with similar structure, but the exact mix and amounts can change.

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

Is the MariBank Referral Bonus Worth It?

Honest answer: yes, if you were already considering MariBank for its savings rate or Shopee perks. The MariBank sign up bonus stacks on top of:

• Up to 2.88% p.a. base interest on the Mari Savings Account (no balance tiers, no salary crediting required)
• The 1-month promotional fixed deposit at 2.88% p.a. for new customers
• Ongoing Shopee voucher promos when you pay with a Mari account or card
• SDIC deposit insurance up to S$100,000

If you already use Shopee for groceries, electronics, or 11.11 / 12.12 sales, the S$50 Shopee voucher pack alone can pay for itself within a couple of orders.

What it’s not worth: opening MariBank purely for the S$30 cashback if you don’t need a new credit card, won’t naturally hit S$300 in spend, or don’t want a hard credit-card application on your file. Be honest about your usage before bundling.

FAQ

How long does the MariBank bonus take to credit?

Cash rewards (like the S$10 referrer bonus and S$30 welcome cashback) are typically credited within 30–60 days of you meeting the qualifying criteria. The S$50 Shopee voucher pack is usually credited within 3 working days of card activation. Always check the in-app rewards centre for 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’ve previously opened a Mari Savings Account — even if it’s now closed — you won’t qualify for the welcome bonus. You can, however, still apply for additional products like the Mari Credit Card and earn product-specific welcome rewards.

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

There’s no minimum deposit just to open the Mari Savings Account. However, to claim specific rewards: the Mari Fixed Deposit 2.88% p.a. promo requires a S$5,000–S$50,000 placement, and the Mari Credit Card S$30 cashback requires S$300 in eligible spend within 30 days.

Is MariBank safe? Is my money insured?

Yes. MariBank Singapore 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.

Can foreigners or EP holders use the MariBank referral code?

Currently no. MariBank’s personal banking products are open only to Singapore Citizens and PRs aged 18 and above. Employment Pass and S Pass holders cannot open a Mari Savings Account at this time.

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

In practice, they’re the same field. When you sign up, MariBank shows a single “Referral / Promo Code?” input. Whether you’re 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.