Sign up for a YouBiz business account with our exclusive referral link and you’ll receive S$50 in cash credit after your first card spend of just S$5. The bonus works for new Singapore SME accounts in 2026, the code is verified, and approval typically takes 1–2 working days via Singpass MyInfo Business.
🎁 Quick Claim Box Reward: S$50 cash credit
Minimum spend: S$5 on any YouBiz card (virtual or physical)
Deadline to qualify: Within 90 days of account approval
How to get the referral link: PM us via the bottom-right chat icon Eligible: Singapore-registered businesses only (new YouBiz users)
What is YouBiz and Why Use It
YouBiz is a multi-currency business account and corporate card built for Singapore SMEs, freelancers, and startups. It’s a product of You Technologies Group (Singapore) Pte Ltd — the same team behind YouTrip — and it’s a Mastercard Principal Member and a Major Payment Institution licensed by the Monetary Authority of Singapore (MAS).
In plain English, it’s the business cousin of YouTrip, with features that actually move the needle for small businesses:
- Unlimited 1% cashback on all card spend, with no cap and no minimum spend
- Real 0% FX fees on spending in 150+ currencies
- Hold 9 currencies in one account (SGD, USD, EUR, GBP, JPY, HKD, AUD, CHF, THB)
- Unlimited virtual and physical cards for you and your team
- FAST transfers for local bills with no fees
- Competitive remittance rates to 150+ countries — claimed savings of up to 6× vs traditional banks
- No monthly account fee
Customer funds sit in a segregated account at DBS Bank Ltd, kept separate from YouBiz’s own company accounts — so if anything ever happened to the company, your money isn’t tangled up with theirs.
If your business runs SaaS subscriptions, ad spend on Meta or Google, overseas suppliers, or any USD-denominated invoices, the 0% FX fee alone usually pays for the switch.
YouBiz Referral Link: What You Get
The maths is simple. Use our YouBiz referral link at signup and you receive:
- S$50 cash credit to your default SGD account
- Credit appears in your transaction history labelled “Referral”
- Bonus credited automatically — no claim form, no waiting list
To grab the link, PM us via the chat icon at the bottom-right corner — we’ll reply with the active referral link.
How to Use the YouBiz Referral link (Step-by-Step)
This is the part most articles get wrong. Here’s the actual flow that gets the S$50 credited:
- PM us via the chat icon (bottom-right) to get the active YouBiz referral link.
- Sign up using Singpass MyInfo Business for the fastest application (most fields auto-fill in under 5 minutes). You can also apply manually if you prefer.
- Wait for approval. YouBiz will email you a decision within 1–2 working days.
- Fund your account and create your first YouBiz card (virtual cards activate instantly; physical cards arrive by mail).
- Spend at least S$5 on your card — any local or overseas transaction works, as long as it’s an eligible spend.
- Receive S$50 credited to your default SGD account within a few working days. The credit shows up in your transaction history as “Referral”.
The critical bit: the S$5 first spend must be completed within 90 days of account approval. Miss that window and the bonus is forfeited.
Eligibility & Terms You Should Know
Be honest about what the offer is — and isn’t. Before you sign up, check these:
- For businesses only. YouBiz is not for personal accounts. You’ll need a Singapore-registered business (Pte Ltd, Sole Proprietor, LLP, etc.).
- New YouBiz users only. If your company has signed up before, the referral link won’t trigger.
- Qualifying spend is S$5 minimum in a single transaction. ATM withdrawals and certain excluded transactions don’t count — check the YouBiz eligible transactions list if you’re unsure.
- 90-day window from account approval to make that first spend.
- One referral bonus per company, not per user.
Is the YouBiz Referral Bonus Worth It?
For a Singapore SME owner, S$50 for a five-dollar card swipe is one of the cleanest sign-up bonuses on the market right now. There’s no minimum deposit, no lock-in, no monthly fee to claim it back, and no annoying tier structure.
Compared to other business account promos in Singapore (Aspire, Wise Business, Airwallex), YouBiz’s offer is competitive on bonus size and has one of the lowest qualifying thresholds — S$5 vs hundreds or thousands of dollars elsewhere.
The real value isn’t the S$50 though — it’s whether YouBiz fits your business. If you spend in foreign currencies, run digital ads, or pay overseas contractors, the 0% FX and 1% cashback typically save more in three months than the bonus is worth. If you only spend in SGD and don’t need multi-currency, a regular SME credit card with rewards might serve you better.
How to Share Your Own YouBiz Referral Code
Once your account is approved, you become eligible to refer other Singapore businesses:
- Log in to your YouBiz dashboard.
- Navigate to the Rewards section in the side menu (or check the right-hand carousel on your dashboard).
- Copy your unique referral code or share link.
- Send it to other business owners — family, co-founders, your accountant’s clients.
- You receive S$50 per successful referral once they’re approved and make their first S$5 spend.
There’s no cap on how many businesses you can refer, which is genuinely useful if you’re connected in the local SME scene.
FAQ
How long does the S$50 bonus take to credit? After your first qualifying card spend of S$5, the S$50 typically credits to your default SGD account within a few working days. You’ll see it in your transaction history labelled “Referral”.
Can I use the YouBiz referral link if I already have an account? No. The link only works for brand-new YouBiz business accounts and must be entered during the signup process. There’s no way to retroactively apply it.
Is YouBiz safe and regulated in Singapore? Yes. YouBiz is operated by You Technologies Group (Singapore) Pte Ltd, a Major Payment Institution licensed by MAS under the Payment Services Act. Customer funds are held in a segregated account at DBS Bank Ltd.
Can a sole proprietor or freelancer use YouBiz? Yes, as long as your business is registered in Singapore (sole proprietorships and LLPs are accepted). Singpass MyInfo Business makes the application very quick for sole props.
What’s the minimum spend to qualify for the bonus? S$5 in a single card transaction (or the equivalent in another currency) within 90 days of account approval. Any normal business purchase works — software subscription, taxi, supplier payment.
Do I get the cashback on top of the referral bonus? Yes. The 1% unlimited cashback applies separately from the S$50 sign-up bonus, and it kicks in from your very first transaction.
Does the referral code work alongside other YouBiz promotions? Generally yes, but check the T&Cs of any seasonal promo before relying on it stacking. The S$50 referral itself is a permanent programme.
How long does YouBiz take to approve my account? Email confirmation typically lands within 1–2 working days after submission. Applying via Singpass MyInfo Business speeds things up noticeably.
What if my application is rejected? You won’t receive the S$50, since the bonus only credits after approval and first spend. YouBiz doesn’t publicly disclose rejection criteria, but providing complete documentation up front helps.
Can I use my YouBiz card with PayNow or NETS? YouBiz supports FAST transfers locally with no fees. The card itself is a Mastercard debit, so it works wherever Mastercard is accepted — not on NETS or PayNow-only terminals.
Is there a monthly fee for the YouBiz account? No monthly account fee. You pay only for specific value-added services (e.g. expedited remittance, certain physical card features). The S$50 bonus is effectively pure profit.
Ready to Claim Your S$50?
If you run a Singapore business and you want a clean, low-cost corporate card with 1% cashback and 0% FX fees, the YouBiz signup bonus is one of the easiest S$50 you’ll claim this year.
👉 PM us via the chat icon at the bottom-right of this page to get our active YouBiz referral link. We’ll reply with everything you need to sign up in under five minutes.
