| Our Products/Services | What We Offer |
|---|---|
Mari Savings Account | Simple savings account offering a flat interest rate with no minimum deposit, no minimum salary required
Insured up to S$100,000 by SDIC |
Mari Fixed Deposit | Deposit fresh funds with flexible tenors ranging from 1 to 12 months
Insured up to S$100,000 by SDIC |
Mari Credit Card | 1.5% unlimited cashback on local and overseas spends
No FX fees with Best-in-Class FX rates 1.5% Shopee Coins on Shopee spend |
Mari Invest | Simple and seamless interface,
start investing from S$1 |
Instant Loan | Until 28 Feb: Borrow from 1.86% p.a. (EIR 2.79% p.a.)2
From 1 Mar: Borrow from 1.28% p.a. (EIR 1.92% p.a.)2 Get your loans within 10 seconds with no upfront fees. Apply online and get approval within 10 seconds |
MariBank Overseas Transfers | $0 transfer fees1 to 41 destinations,
over 20 currencies with competitive rates |
Mari Business Account | $0 Local and Overseas Transfer Fees1
$0 Fall-below Fees $0 Account Fees, 1.0% interest rate |
Mari Business Loan (Credit Line & Term Loan) | Fast approval and drawdown. Pay only when used.
$0 processing and annual fees |
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MariBank is a digital bank in Singapore licensed by the Monetary Authority of Singapore (MAS) and covered by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000 per account. We are a wholly-owned subsidiary of Sea Limited which is also the parent company of Monee (formerly SeaMoney), a leading digital financial services provider in Southeast Asia; as well as Shopee, the top e-commerce platform in Southeast Asia and Taiwan.
Did you know the word “Mari” (pronounced as /"Mah-ree"/) in MariBank comes from the first word in Singapore’s national anthem, which means “Let’s” in Malay language? Hence, MariBank also means “Let’s Bank”.
Aiming to make banking simple, reliable, and rewarding for everyone, our MariBank’s suite of products and services include:
Let’s break down how this works.
For our savings account, simply deposit and earn daily interest with no minimum spend and no minimum balance. You can check how much interest you’ve earned anytime on the app and you don’t have to worry about fall-below fees as there is no minimum balance required.
You can also send and receive money instantly via PayNow and bank transfers, or scan any NETS SGQR+ code for contactless payments using your MariBank app. And if you’re a regular Shopee user, you can link your Mari Savings Account on your Shopee app for seamless payments at checkout, or for ShopeePay wallet top-ups.
Need to make an overseas bank transfer? You can enjoy $0 Transfer Fee1, and competitive foreign exchange (FX) rates in 20 currencies to 41 destinations, so you can save on costly fees. There’s also instant transfers to India, and China – the latter via Alipay, Weixin Pay, and UnionPay.
Furthermore, with best-in-class FX rates, the Mari Credit Card is your best option for foreign currency transactions, whether online, or in-store. Eligible foreign currencies include MYR, KRW, CNY, and more!
When shopping on Shopee, use Mari Credit Card Instant Checkout to enjoy 1.5% Unlimited Shopee Coins (when you pay in full). Making a large purchase? No problem, enjoy 0% interest for 3, 6, 12 or 18 months instalment payment plans with Mari Credit Card Instant Checkout.
Subject to qualifying criteria. T&Cs apply.
Here’s a quick breakdown of the products currently available under Mari Invest:
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1. Mari Invest SavePlus
2. Mari Invest Income
3. Mari Invest Gold
This is a Money Market Fund with features such as instant cash withdrawal* and no transaction fees.
*Subject to limits and availability
Mari Invest Income is designed for investors seeking monthly dividend payouts by offering a fund aimed at providing steady income and longer-term wealth building.
Instead of worrying about where to stash a physical gold coin, you’re investing in a fund that is backed by real gold bars. These aren't just numbers on a screen, the actual gold is tucked away in secure vaults right here in Singapore.
Managed by Lion Global Investors (LGI), the fund aims to track the performance of the London Bullion Market Association (LBMA) Gold Price AM (before fees and expenses, including but not limited to hedging cost). This means your investment performance is expected to move in sync with the global benchmark for daily gold prices, giving you a convenient access to the gold market without the logistics of a safe deposit box.
One of the biggest hurdles with investing in gold is safety, but Mari Invest Gold has already done the heavy lifting for you.
You can even start your gold investment from as low as S$1!
Only until 28 Feb, enjoy interest rates starting from 1.86% p.a. (EIR 2.79% p.a.)2, and even more favourable rates from 1 Mar at 1.28% p.a. (EIR 1.92% p.a.)2! Choose flexible loan repayment tenors from 3 to 60 months.
You can get an Instant Loan from just S$100 and also view and manage your loan repayments at anytime within the MariBank app. Besides this personal loan, other loan options you can explore with MariBank include Split Payment and Balance Transfer.
Key features of the Mari Business Account:
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• Competitive Interest: Earn 1.00% p.a. interest on your entire account balance, with interest credited daily. Unlike traditional banks, there is no minimum deposit required to earn this rate.
• Zero Fees: The account has no account-opening fees, no monthly maintenance fees, and no fall-below fees (no minimum balance required).
• Free Local Transfers: Enjoy unlimited free local transfers via FAST and PayNow, allowing you to pay suppliers and staff at zero cost.
• Overseas Transfers: You can make international payments to 41 destinations. Currently, there is a promotion (check app for latest) offering $0 transfer fees1 for overseas payments.
• Shopee Integration: Specifically for Shopee sellers, the account offers free daily withdrawals of your Seller Balance (compared to the standard weekly schedule), which significantly improves business cash flow.
• Instant Digital Onboarding: The application process is entirely paperless through Singpass (MyInfo Business), with many accounts approved within 1–2 business days.
Think of this as a "Standby Fund" that sits in your account. You only pay when you use it.
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• Limit: Up to S$200,000.
• Pay-as-you-use: Interest is only charged on the amount you draw down, not the total limit.
• Repayment: Flexible terms of 3, 6, 9, or 12 months.
• Cost: No processing fees and no annual fees.
• Key Advantage: You have immediate access to cash 24/7 once the line is approved, making it perfect for urgent supplier payments or sudden inventory needs.
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• Limit: Up to S$500,000.
• Structured Repayment: Fixed monthly instalments over 1 to 5 years, making your monthly budgeting predictable.
• Cost: A processing fee (typically 1.5% of the principal) is deducted upon disbursement, but there are no annual fees.
• Key Advantage: Offers much higher borrowing limits and longer repayment periods compared to the Credit Line.
| Feature | Credit Line | Term Loan |
|---|---|---|
Loan Amount | Up to S$200,000 | Up to S$500,000 |
Interest | Only on amount used | On total amount disbursed |
Tenor | Up to 12 months | 1 to 5 years |
Fees | $0 Processing / $0 Annual | ~1.5% Processing Fee |
Best For | Daily working capital | Business expansion |
You can rest assured that MariBank operates within the legal framework applicable to financial service providers in Singapore, and is subject to regulatory oversight by relevant authorities.
Additionally, as a licensed digital bank, MariBank is included in the Singapore Deposit Insurance Corporation (SDIC) list of covered financial institutions. This means that your deposits are covered for up to S$100,000 per account in the event of liquidation or business failure.
As a digital-only bank, MariBank places utmost importance on online security. It employs state-of-the-art digital protections to ensure safe and secure banking for customers. There are also user-level protection features to further enhance your safety.
The MariBank app provides the option for instant notifications to monitor and track your card activity. You can also set up personalised controls to manage overseas/online payments, or lock your card anytime.
This way, you can save, spend, invest, or borrow anytime, anywhere, and focus on what matters.
MariBank offers exclusive rewards and convenience on Shopee, including instant checkout for faster payments, 1.5% Unlimited Shopee Coins for Mari Credit Card Instant Checkout, and 0% instalment payment plans for up to 18 months.
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1. Download the MariBank app to your mobile phone. Make sure to only download from official sites such as Apple
App Store, Google Play Store, or Huawei AppGallery.
2. Follow the on-screen instructions to open an account with a Singapore-registered mobile number.
3. Once done, you can apply for a Mari Savings Account, Mari Credit Card or Instant Loan.
| Eligibility requirements for Mari Savings Account: | Eligibility requirements for Mari Credit Card: |
|---|---|
Minimum 16 years old | Minimum 21 years old |
Singaporeans, Permanent Residents or foreigners with a valid pass | Singaporeans, Permanent Residents
or foreigners with a valid pass |
Singpass for secure digital retrieval of personal information and with MyInfo | Singpass for secure digital retrieval of personal information and with MyInfo |
This post introduces some of MariBank’s popular core products, but there’s more to discover. Nothing beats first-hand experience, so why not sign up for MariBank to explore the refreshing difference of banking with a digital-first bank.
² The effective interest rate is calculated based on a 3 months loan tenor. The interest rate and fee indicated is the lowest published rate and may differ from what is offered to you. Interest, fees and charges may vary across individual Instant Loan(s) at our sole discretion based on various factors. We will inform you of the interest, fees and charges applicable to your loan(s) via the MariBank App at the time of each Loan Request.
Disclaimer
The contents in this article do not constitute the distribution of any information or the making of any offer or solicitation to anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such contents or make such an offer or solicitation. The information in this article is intended for general circulation and/or discussion purposes only, and shall not be considered or construed as an offer, recommendation, inducement, solicitation or investment or financial advice to buy or sell or otherwise transact in any investment and does not take into account the specific investment objectives, financial situation or particular needs of any particular person. Mari Invest accounts are only open to investors resident in Singapore.
Information about the respective funds is sourced from Lion Global Investors and PIMCO, as of 2025. Payouts are not guaranteed and will be reviewed periodically by the fund manager. Historical payouts are not indicative of future payouts. Payouts may be made out of either income and/or capital of the fund. Historical performance of the fund or the fund manager is not indicative of future performance of the fund or the fund manager. Returns may vary and are not guaranteed.
This advertisement has not been reviewed by the Monetary Authority of Singapore. The above is meant for informational purposes and should not be relied upon as financial advice. Mari Invest is not a deposit product. Investment products are not insured by the SDIC. All investments come with risks, including the risk that you may lose all or part of your investment.
MariBank is licensed by the Monetary Authority of Singapore.
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