Trust Bank Referral Code : 30D03D32

Looking for the latest Trust Bank referral code? Use 30D03D32 when you sign up in the Trust App.

New Trust credit card (Freedom or Link): sure-win golden scratch card worth S$18 to S$8,000 in cashback, or US$18 to US$8,000 in US stocks if you pick Stockback on the Freedom card. Runs until 31 Jan 2027.

New Trust savings account: sure-win scratch card worth S$8 to S$1,888 in cashback.

What is Trust Bank and Why Use It

Trust Bank (“Trust”) is a fully digital bank in Singapore, launched in September 2022 as a partnership between Standard Chartered and FairPrice Group. It holds a full bank licence from the Monetary Authority of Singapore (MAS), and SGD deposits are insured by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor — the same protection as DBS, OCBC or UOB.

What Trust offers right now:

• Three savings plans, switchable every month — Flex (up to 2.40% p.a. if you hit any 3 of 8 bonus criteria), Signature (up to 1.00% p.a., the default plan), or Zen (flat 0.40% p.a., no conditions). Bonus rates apply on balances up to S$1.2 million.
• Fresh funds promo — a guaranteed 2.2% p.a. on S$100,000 or more in fresh funds, until 31 Jan 2027.
• Freedom credit card (the old Trust Cashback card, rebranded in August 2026) — choose Stockback, miles or cashback each quarter. No annual fee, no foreign transaction fee.
• Trust Link / NTUC Link credit card — up to 21% savings at FairPrice Group (including Unity, Cheers and Kopitiam) and up to 20% fuel savings at Caltex.
• Fee-less savings account — no monthly fee, no minimum balance, no lock-in.
• Fully app-based — sign up in minutes with Singpass MyInfo.

Trust Bank Referral Code: 30D03D32 — What You Get

About the stock gift: the stock is picked at random from NVIDIA, Microsoft, Apple, Amazon, Alphabet (Google), Meta or Tesla.

The credit card sign-up gift runs until 31 Jan 2027 for new credit card customers.

Your scratch card appears in the Trust App under Rewards > Quests. Trust aims to make rewards available within 24 hours after validation.

Where the cashback goes — read this

Cashback is credited to the first Trust product you hold, in this order:

1. Trust Freedom card
2. Trust Link / NTUC Link card
3. Trust Savings Account

Catch: cashback credited to a Trust credit card can only be used to offset your card’s outstanding balance. It’s not withdrawable cash. In practice, it reduces your next card bill.

Realistic expectations

Every card is a guaranteed win, but the top prizes are long shots. Expect the lower tiers — most likely S$18 on a credit card or S$8 on the savings account. Treat S$8,000 as the jackpot, not the expected outcome.

So: this is a guaranteed bonus on top of an account you actually want, not a reason on its own to open one.

How to Use the Trust Bank Referral Code (Step-by-Step)

1. Download the Trust Bank SG app from the Apple App Store or Google Play. Check that the publisher is Trust Bank Singapore Limited. Sign up in the app, not on the web — Trust says sign-ups through web onboarding or a partner link don’t qualify for referral rewards.
2. Select your language and tap “Get started”. The app asks if you have a referral code.
3. Enter 30D03D32 and confirm. You can’t add a code after sign-up, so don’t skip this.
4. Choose your product. For the S$8,000 golden scratch card, apply for the Freedom or Link credit card. On the Freedom card, pick Cashback for a cash gift or Stockback for a stock gift.
5. Verify with Singpass MyInfo. This auto-fills your NRIC, address and income details.
6. Wait for approval. Savings accounts are usually instant; credit cards can be instant or take a few working days.
7. Go to Rewards > Quests and scratch your card.

Code rejected? Some referral codes hit a cap. If 30D03D32 doesn’t go through, PM us via the chat icon at the bottom right of this page and we’ll send you a fresh code.

Eligibility & Terms You Should Know

• New-to-Trust only. You must have no existing or previously cancelled Trust account. If you ever had a Trust account, even a closed one, you don’t qualify.
• One referral code only. You can use just one code, and signing up for more than one product still counts as one successful referral.
• Sign up through the Trust App. Web or partner-link sign-ups get that partner’s rewards instead, not referral rewards.
• The code must be entered at sign-up. It cannot be added afterwards.
• Singpass required for identity verification.
• Savings account eligibility: Singapore citizen, PR, or foreigner with a valid work pass, aged 16 and above.
• Credit card eligibility: aged 21 and above, with a minimum annual income of:
  • S$30,000 — Singaporean/PR aged 21 to 55
  • S$15,000 — Singaporean/PR above 55
  • S$60,000 — foreigner with a valid work pass
• Retirees: Singaporeans/PRs aged 56 and above with assessed income below S$15,000 may still get a card with a S$500 credit limit, if they have no Standard Chartered credit card or unsecured loan.
• Scratch cards expire. Unused scratch cards expire at the end of the month after they’re issued. There are no extensions and no reminders.
• Scratch cards can’t be transferred or exchanged for cash.
• Promotion period is set by the Quest in your app, and Trust updates its terms regularly. Check the official Refer and Earn page for the latest.

The Freedom Credit Card in Brief

The Freedom card is now Trust’s main credit card. Pick one reward per quarter and switch with no fee or penalty:

• Stockback — 3% on local and foreign spend. Once you build up S$10, it’s automatically invested in a US stock or ETF you choose, with no commission. Capped at S$500 of Stockback per quarter. From 1 Jan 2027 this drops to 2% on local spend and 0.5% on foreign spend.
• Miles — 1.3 Trust Miles per S$1 on local and foreign spend (awarded per S$5 spent), convertible to HeyMax Max Miles or KrisFlyer miles.
• Unlimited cashback — 1.5% on local spend and 0.5% on foreign spend. No minimum spend, no cap.
• Bonus cashback — pick one of 6 categories (shopping, dining, transport, travel, wellness, entertainment). Spend S$500 a month for 3 consecutive months to earn 5% (capped at S$30 a quarter), or S$2,000 a month for 15% (capped at S$250 a quarter). You also get 1% base cashback on local spend and 0.5% on foreign spend.

All with no annual fee and no foreign transaction fee.

Is the Trust Bank Referral Bonus Worth It?

Yes — especially before 31 Jan 2027, and if you’d use Trust anyway.

If you were already considering Trust for the savings plans, the fee-free Freedom card or FairPrice savings, signing up for a credit card with 30D03D32 gets you a guaranteed golden scratch card on top. That’s a solid return for a few minutes of Singpass sign-up.

A few honest caveats:

• Card cashback isn’t cash. Scratch card cashback on a credit card only offsets your card bill.
• You’ll probably win a small amount. Plan around S$18, not S$8,000.
• Stockback’s 3% is temporary. It ends on 31 Dec 2026.
• Hitting 2.40% takes work. Flex needs three bonus criteria every month. The no-effort Zen plan is 0.40% p.a.

Compared with other Singapore digital banks:

• GXS Bank — simple savings pockets; no credit card rewards ecosystem.
• MariBank — one flat rate, no hoops; also no card rewards.
• Trust — wins on ecosystem: FairPrice integration, a no-fee multi-reward card, and Stockback.

Rates move often, so check each bank’s official page before deciding.

How to Share Your Own Trust Bank Referral Code

Once your account is active, you can refer friends too:

1. Open the Trust App and go to your Profile.
2. Tap “Invite and earn”.
3. Copy your code or share it via WhatsApp, Telegram, etc.

What you earn per successful referral:

• Friend signs up for any Trust credit card: you get a golden scratch card worth S$50, S$180 or S$8,000.
• Friend signs up for a Trust savings account: you and your friend each get a scratch card worth S$8 to S$1,888.

There’s no limit on the number of referrals. Bonus tip: on the Flex savings plan, referring a new credit card customer who gets approved that month is one of the eight bonus criteria (+1.20% p.a.).

FAQ

How long does the scratch card take to appear?

Trust aims to make rewards available within 24 hours after validation. Check Rewards > Quests in the Trust App.

Can I use the Trust Bank referral code if I already have an account?

No. You must be new to Trust, with no existing or previously cancelled Trust account.

Do I really get up to S$8,000?

S$8,000 is the top prize, and every card is a sure win. But expect a lower tier — the smallest credit card prize is S$18.

How long does the S$8,000 sign-up gift run?

Until 31 Jan 2027, for new credit card customers.

Can I withdraw the cashback?

Only if it lands in your savings account. If you have a Trust credit card, the cashback goes to the card and can only offset your outstanding balance.

Do scratch cards expire?

Yes — at the end of the month after the month they’re issued. Scratch them promptly.

Is Trust Bank safe? Is my money insured?

Yes. Trust holds a full MAS bank licence, and SGD deposits are insured by SDIC up to S$100,000 per depositor. It’s backed by Standard Chartered and FairPrice Group.

Can foreigners use the Trust Bank referral code?

Yes, if you hold a valid work pass and have Singpass. The savings account is open to foreigners with a valid work pass aged 16 and above, with no income requirement. The credit card requires a minimum annual income of S$60,000.

I’ve seen lots of different Trust referral codes. Which one should I use?

Trust says all referral codes are safe and each is tied to a promotion, but you can only use one. Use 30D03D32 and check the reward shown in the app before you complete sign-up.

Can I sign up on the website instead of the app?

You can, but you won’t get referral rewards. Trust says only sign-ups through the Trust App with a referral code qualify.

What if I forget to enter 30D03D32 during sign-up?

The code can’t be added afterwards, so you’d miss the new-customer scratch card. You can still refer friends once your account is active.