MariBank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
MariBank pays 3.08% on an easy access savings account with a monthly fee of SGD 0 and a minimum deposit of SGD 0, suited to Singapore savers who want daily interest. The rate is only mid-field, though, and the credit card loan comes with a term of 60.
Key facts
- Best for
- An easy access savings account paying 3.08% with a monthly fee of SGD 0.
- Headline rate
- 3.08%↗
- Rate type
- Variable↗
- Term
- 60 months↗
- Minimum deposit
- SGD 0↗
- Access terms
- No minimum deposit, no minimum spending, no fall-below fee, interest credited daily↗
- Monthly fee
- SGD 0↗
- Account kind
- Easy access↗
- Regulators
- Monetary Authority of Singapore↗
- Legal entity
- MariBank Singapore Private Limited↗
- Headquarters
- Singapore↗
- Support channels
- Chat, Phone, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- maribank.sg
Loans
Robo-advisors
Facts checked September 26, 2026, 11 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedIninstagram.com
Pros and cons
Pros
- The savings account is free to run, with a monthly fee of SGD 0, a minimum deposit of SGD 0 and interest credited daily.
- The instant loan runs at 1.92% APR with an origination fee of SGD 0 and amounts from from SGD 100.
- The debit card has a currency conversion fee of 0% and pays cashback of 0.5% on spend.
Cons
- The 3.08% headline rate sits below Wise at 3.29%, so the savings interest is not the strongest.
- Free early repayment is marked no, and early repayment is not among the rewards listed for the credit card.
- The savings rate is variable and the account is easy access, so no fixed rate or term is locked in.
Who it suits
- Singapore savers who want daily interest, easy access and a monthly fee of SGD 0.
- Borrowers after low cost credit at 1.92% APR with an origination fee of SGD 0.
- Spenders who pay in other currencies, since the debit card conversion fee is 0%.
Who should look elsewhere
- Wise, for a higher headline rate of 3.29% if savings interest comes first.
- Finteres, listed at 0% to 36%, for readers who want a wider headline range.
Rates and card terms
The Mari savings account pays 3.08% and the rate is variable, so the return follows the market rather than a fixed term. The instant loan on the credit card is priced at 1.92% APR over a term of 60. Easy access on one side and quick fixed price borrowing on the other set the two products apart.
The company behind it
MariBank trades as MariBank Singapore Private Limited, headquartered in Singapore and regulated by the Monetary Authority of Singapore. The savings account, cards, instant loan and investment product sit with that same bank, so fees and support come from one provider. Support runs on chat, phone and email.
How MariBank compares
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Where MariBank is available
- Available
- Singapore
- Licence in Singapore
- Monetary Authority of Singapore, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the MariBank savings account pay?+
The Mari savings account pays a headline rate of 3.08%, and the rate is variable, so it can move with the market. It is an easy access account, so withdrawals are possible whenever needed, and interest is credited daily.
Is there a minimum deposit or monthly fee on the savings account?+
The minimum deposit is SGD 0 and the monthly fee is SGD 0, so the savings account is free to hold. There is also no minimum spending and no fall-below fee, which suits anyone keeping cash they may need at short notice.
What does the MariBank instant loan cost?+
The instant loan on the credit card is priced at 1.92% APR, with amounts from from SGD 100 and an origination fee of SGD 0, over a term of 60. Free early repayment is marked no, so clearing the balance early carries a cost.
How quickly is instant loan money paid out?+
Funding is quick: Cash disbursed to your account within 10 seconds. The lending sits with the bank itself, since MariBank is a direct lender rather than a broker, so the decision and the payout run through one provider.
Who runs MariBank and which regulator oversees it?+
MariBank trades as MariBank Singapore Private Limited, headquartered in Singapore and regulated by the Monetary Authority of Singapore. The savings account, cards, instant loan and investment product all sit under that same entity, so terms and support come from one bank.
What does the debit card cost when I spend abroad?+
The Mari card is a debit card with a currency conversion fee of 0%, so foreign spending adds no conversion charge. It pays cashback of 0.5% on spend, and the Mari credit card rewards are cashback rather than points or miles.
Can I start investing through MariBank?+
MariBank also runs an investment product. The minimum investment is SGD 1, so the entry point is small, and the management fee runs 0.25% to 1.25%. That ongoing fee sits above the 0.25% figure for comparable products on the site.
Sources
- maribank.sg checked September 26, 2026
Backs: Legal entity, Loan types, Support channels
“Copyright (c) MariBank Singapore Private Limited. All rights reserved.”
- maribank.sg/about-us checked September 26, 2026
Backs: Headquarters, Lender type, Regulators, Licences
“We also serve as the headquarters for our Banking Group (including MariBank Philippines)”
- maribank.sg/fees-rates checked September 26, 2026
Backs: Rate type
“All rates are for information only and subject to change without prior notice.”
- maribank.sg/fees-rates/mari-credit-card checked September 26, 2026
Backs: Free early repayment
“An early repayment fee of $100 or 3% of the remaining unpaid principal amount, whichever is higher, or at such rate as MariBank may determine, will be imposed at the discretion of MariBank if full...”
- maribank.sg/fees-rates/mari-invest checked September 26, 2026
Backs: Management fee
“The annual management fee is charged by the fund manager for the ongoing active management of the fund.”
- maribank.sg/instant-loan/renovation-loan checked September 26, 2026
Backs: Use cases
“Fund your dream home renovation with Instant Loan from 1.28% p.a. (EIR 1.92%)”
- maribank.sg/product/mari-credit-card checked September 26, 2026
Backs: Card kind, Features, Rewards type
“Mari Credit Card”
- maribank.sg/product/mari-credit-card/instant-loan checked September 26, 2026
Backs: Loan amount, APR, Funding time, Arrangement fee, Origination fee (%), Term
“Borrow From As Low As S$100”
- maribank.sg/product/mari-debit-card checked September 26, 2026
Backs: Card type, Cashback rate, Currency conversion fee
“Mari Debit Card”
- maribank.sg/product/mari-invest checked September 26, 2026
Backs: Minimum investment
“Start investing from S$1 and grow your wealth with no transaction fees.”
- maribank.sg/product/mari-savings-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee
“No minimum deposit required; Interest credited daily; No minimum spending necessary”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
MariBank
An easy access savings account paying 3.08% with a monthly fee of SGD 0.