How to Unlock Up to 3.08% p.a. Daily Interest on MariBank (No Complex Criteria + Easy Hacks!)
Hello Smart Savers! 👋 If you’re anything like me, you’ve probably given up on traditional high-yield bank accounts that make you jump through endless hoops—spending thousands on credit cards, buying insurance products, or locking away funds you actually need for everyday family expenses.
Here's an effortless way to grow your extra cash: MariBank’s Mari Savings Account. Not yet a Maribank account holder? Get $15 when you sign up with this referral code: 1YDN79FT
During their latest promotion (17 August – 31 December 2026), you can score up to 3.08% p.a. interest, calculated and credited daily directly into your account! You can literally see your money grow daily.
Here is the exact breakdown of how the rates work and two super simple "hacks" to maximize your returns without breaking a sweat.
📊 The Interest Rate Breakdown (Up to 3.08% p.a.)
MariBank (licensed by the Monetary Authority of Singapore) calculates interest on your daily balance, meaning your money works for you every single day:
| Rate Component | Bonus Rate | How to Get It |
| Base Rate | 0.88% p.a. | Automatic on all savings balances |
| New User Bonus | +1.60% p.a. | First 30 days after opening your account |
| Shopee VIP Bonus | +0.40% p.a. | Link your account to Shopee VIP & claim. Not a VIP yet? Get 3 months FREE MEMBERSHIP HERE. |
| Salary Credit Bonus | +0.20% p.a. | Credit min. S$500 monthly tagged as "Salary" |
| TOTAL UPSIZED RATE | 3.08% p.a. | Maximum daily return! |
💡 2 Smart Hacks to Maximize Your Interest Instantly
Hack #1: Join Shopee VIP (+0.40% p.a.)
If you already buy household goods, wet wipes, diapers, or groceries on Shopee, joining Shopee VIP is a complete win-win:
Perks on Shopee: You get exclusive vouchers, free shipping deals, and seller discount codes every month.
400 coins monthly: You can claim 400 coins monthly, so the membership is technically free! I choose the annual subscription which brings the cost to under $3.
Bonus Bank Interest: Simply link your Shopee VIP status in the MariBank app under your Savings Account to claim an instant +0.40% p.a. bonus interest.
Hack #2: The "Self-Salary Transfer" Trick (+0.20% p.a.)
You don’t actually need to bother your company's HR department to switch your official payroll account to MariBank!
How to do it yourself:
Open your main bank app (DBS, OCBC, UOB, etc.).
Set up a FAST transfer of S$500 or more to your Mari Savings Account number.
Under transaction purpose/payment details, select "Salary" (or "SALARY").
That's it! Transferring funds to yourself under this classification qualifies for the +0.20% p.a. bonus.
💡 Pro Tip: Set up an automated recurring transfer on the 1st of every month for S$500 tagged as "Salary". Once credited, you can keep it there to grow or move it back whenever you need to!
✈️ Overseas Travel & Shopping Perk: Pair it with the Mari Credit Card!
If you’re planning a family trip (to JB, Japan, or anywhere abroad) or shopping on foreign sites like Taobao, iHerb, or Amazon:
0% Foreign Exchange Admin Fees: Most credit cards charge a sneaky 3.25% – 3.5% FX transaction fee every time you tap overseas or pay in foreign currency. MariBank charges 0% administrative fee on foreign currency transactions!
Earn cashback instantly: You earn instant 1.5% cashback on eligible spend capped at the first S$1,500 of foreign currency spending each month.
Effortless Management: Manage both savings and credit card spending in one smooth app interface.
📝 Quick Action Checklist
Download MariBank App: Open your account to enjoy the base rate + new user boost (first 30 days). Referral code to get $15 cash when you open a Maribank account: 1YDN79FT
Claim Shopee VIP Bonus: Link your Shopee VIP profile in the app for an extra +0.40% p.a.
Automate S$500 Salary Credit: Schedule a monthly FAST transfer with the payment purpose selected as "Salary" for +0.20% p.a.
Apply for the Mari Credit Card: Say goodbye to high foreign transaction fees on your next overseas family vacation!
Disclaimer: MariBank is licensed by the Monetary Authority of Singapore. Singapore dollar deposits are insured by SDIC for up to S$100,000 per depositor.
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