(Free S$28) Mari Business Referral Code : 4OVQ01AP

Use Mari Business referral code 4OVQ01AP when you open a Mari Business Account and you get S$28 cash, credited instantly once your application is successful. The promotion is open to Singapore-registered businesses from 1 October to 31 December 2026, capped at the first 1,000 successful referrals.

What is Mari Business and why use it

Mari Business Account is the SME current account from MariBank, the MAS-licensed digital bank owned by Sea Group, Shopee’s parent company. You apply entirely in the MariBank app, using Singpass.

Here’s what you get as of October 2026:

• 0.88% p.a. interest on your SGD balance, credited daily (rate effective from 1 June 2026)
• S$0 account fees, S$0 fall-below fees, no minimum balance
• Free local transfers, including FAST and PayNow
• Overseas transfer fees waived under a promotion running to 31 December 2026 (some corridors still carry an agent bank fee, e.g. S$25 for HKD or JPY wires)
• Optional link to your Shopee Shop, which is why it’s popular with Shopee sellers

If your business currently pays a monthly fee or fall-below charge at a traditional bank, the account alone saves you money. The referral bonus is on top.

Mari Business Referral Code: 4OVQ01AP — What You Get

There is no minimum deposit, spend or holding period stated on MariBank’s official promotion FAQ. That makes this one of the lower-friction business banking sign-up bonuses in Singapore right now.

How to Use the Mari Business Referral Code (Step-by-Step)

1. Download the MariBank app from the App Store, Google Play or Huawei AppGallery.
2. Register with your Singapore mobile number. If you already have a Mari Savings Account, log in instead and go to Me → Apply for a New Product → Business Banking.
3. Select Mari Business Account.
4. Enter 4OVQ01AP in the “Have a Referral / Promo Code” field and apply it.
5. Tap “Link with Shopee Shop” or “Apply without Shopee Shop” to start the application with the code attached.
6. Complete the application with Singpass. Business details are pulled from your ACRA records.
7. Get approved and receive S$28 in your Mari Business Account instantly.

Our tips before you start

• Enter the code before step 5. The code attaches when you start the application. There’s no reliable way to add it after you submit.
• Get every key person’s Singpass ready. All owners, directors, partners and anyone holding 25% or more must have Singpass access, so check this before you begin.
• Expect 1 to 3 working days for approval. Some applications clear instantly, but don’t count on it if you have multiple directors.

Eligibility & Terms You Should Know

You can apply if your business is one of these entity types:

• Sole proprietorship
• Private limited company with no corporate shareholders
• Partnership with no corporate partners
• Limited liability partnership (LLP) with no corporate partners

All owners, directors, partners and major shareholders (25% or more) must be Singapore Citizens, PRs, or foreigners with Singpass access. The person applying on behalf of the business must have a valid Singpass account.

Limitations to note:

• Holding companies are out. If a company owns shares in your Pte Ltd, you won’t qualify.
• First 1,000 referrals only. Once the cap is hit, the bonus ends even before 31 December 2026.
• Existing Mari Business Account holders don’t qualify. Past Mari business referral campaigns excluded businesses that already held a Mari Business Account or Loan.
• Personal MariBank customers: check first. MariBank lets existing Mari Savings Account holders apply via the app, but some community posts say this tier is for new MariBank customers only. Read the official Refer SMEs & Get Rewarded with MariBank (Oct – Dec 2026) T&Cs before relying on the bonus.
• The rate isn’t fixed. 0.88% p.a. can change without notice.

Is the Mari Business Referral Bonus Worth It?

For most small businesses, yes. Here’s the maths.

At 0.88% p.a., the S$28 bonus equals the interest you’d earn on about S$3,180 held for a full year. For a freelancer with a modest balance, that beats months of interest.

Where it really earns its keep is the fee side. A business account that charges S$10 to S$35 a month in fees or fall-below charges costs you S$120 to S$420 a year. Mari Business charges S$0 for both.

Where it’s less suitable:

• You need a corporate card, cheque book or physical branch support
• Your company has a corporate shareholder
• You handle heavy multi-currency flows; check the agent bank fees per corridor before moving everything over

Our view: if you run a sole prop or a simple Pte Ltd and mainly transact in SGD, open it, collect the S$28, and use it as your fee-free operating or Shopee payout account.

How to Share Your Own Mari Business Referral Code

Once you’re a MariBank customer, you can refer other business owners and earn S$28 per successful Mari Business Account referral.

1. Log in to the MariBank app.
2. Tap Me.
3. Tap Refer a Friend.
4. Copy your code and share it.

Your S$28 is credited instantly to your Mari Savings Account or Mari Business Account. The same 1,000-referral cap and 31 December 2026 end date apply.

FAQ

Does the Mari Business referral code still work in 2026?

Yes. Code 4OVQ01AP works for the Refer SMEs promotion running 1 October to 31 December 2026, until the first 1,000 successful referrals are used up.

How much do I get with the Mari Business referral code?

S$28 cash, credited to your Mari Business Account. Your referrer also gets S$28.

How long does the Mari Business sign up bonus take to credit?

It’s credited instantly once your Mari Business Account application is successful. Approval itself typically takes 1 to 3 working days.

Is there a minimum deposit to get the S$28?

No minimum deposit or spend is stated in MariBank’s official promotion FAQ.

Can I use the code if I already have a Mari Business Account?

No. The bonus is for businesses opening a Mari Business Account for the first time.

I have a personal MariBank account. Can I still get the S$28?

You can apply for Mari Business through your existing app. Whether the bonus applies is set by the official T&Cs, so check them before applying, as some sources say this tier is for new MariBank customers only.

Is the Mari Business referral code the same as a Mari Business promo code?

They go into the same “Have a Referral / Promo Code” field. A referral code like 4OVQ01AP links you to the S$28 Refer SMEs promotion.

Can my Pte Ltd apply if it’s owned by a holding company?

No. Private limited companies with corporate shareholders aren’t eligible.

Can foreigners open a Mari Business Account?

Yes, if every owner, director, partner and 25%-or-more shareholder has Singpass access.

Do I need a Shopee shop to apply?

No. You can choose “Apply without Shopee Shop” during the application.

What interest does the Mari Business Account pay?

0.88% p.a. on SGD balances from 1 June 2026, credited daily. Rates can change without notice.