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 July 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 base interest on the Mari Savings Account — no salary crediting, no minimum spend, no minimum balance. Just open the account and start earning.
• 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 July 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$100 when you take the Mari Credit Card bundle and hit the minimum spend — S$20 instant cash plus up to S$80 in new user rewards.

2. 7.7 Birthday Bonus: Extra Perks This July

MariBank is running its 7.7 Birthday celebration from 1–31 July 2026 alongside the referral promotion. That makes July an unusually good month to sign up: the referral instant cash amounts have been upsized (S$15 for savings-only sign-ups, up from S$5 in June), and birthday-campaign perks stack on top of the standard welcome rewards.

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). 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 S$30 cashback.
8. Receive your remaining rewards. Cashback and Shopee vouchers are typically credited within 30–60 days of meeting the qualifying criteria.

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.
• 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 throughout June 2026.

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

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 currently 0.88% p.a. (effective from January 2026), with no minimum balance, no salary crediting, and no spending conditions. That is lower than what MariBank offered in its early years, and it is lower than the bonus-rate tiers on accounts like UOB One, OCBC 360, or DBS Multiplier when you fulfil their requirements. So if you are chasing the highest possible interest, MariBank’s savings account on its own is no longer the leader.

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 on overseas spend (capped, with promo end-dates — check current T&Cs).

What it is not worth: opening MariBank purely for the S$30 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.

FAQ

How long does the MariBank bonus take to credit?

The S$15 referral cash (Mari Credit Card Bundle) and S$18 referral cash (Instant Loan Bundle) are typically credited instantly to your Mari Savings Account upon successful application. The S$30 Mari Credit Card welcome cashback and S$50 Shopee voucher pack are credited after you meet the qualifying spend or checkout conditions, generally within a few weeks. 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. However, to claim specific rewards: the Mari Fixed Deposit 2.88% p.a. promo requires a S$5,000 to S$50,000 placement, and the S$30 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 January 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. The rate is subject to change — always 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.

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.

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.