Mari Debit Mastercard
MariBank Singapore
Save in SGD. Spend in local currency.
A Singapore savings account with a linked Mastercard debit card. Use PayNow at home, pay in MYR in Malaysia, or send money to a Malaysian bank account.
- Best for
- SGD savings, MYR spending & transfers
- Cost to know
- S$0 debit card annual fee
Savings and debit, in one app
Mari Savings credits interest daily and has no minimum balance or spending requirement. Bonus interest depends on factors such as new-account status, ShopeeVIP or salary crediting. Rates may change.
Mari Debit Card fees & rewards
- Card issuance & annual fee
- S$0 for virtual and physical cards. No annual fee.
- Paying in MYR or other foreign currencies
- 0% foreign-currency transaction fee. The purchase is converted to SGD and deducted from your SGD balance. Promotional rates apply to MYR, THB, IDR, KRW, JPY, CNY and AUD through 31 Dec 2027. Other currencies use Mastercard rates.
- Paying in SGD overseas
- 1% Mastercard charge when the SGD transaction is processed overseas, including online. A merchant’s own DCC rate can also apply.
- Cashback
- 0.5% on eligible SGD card spend, uncapped. Separately, through 31 Dec 2026, 0.5% on the first S$1,500 of eligible foreign-currency card spend per month (up to S$7.50).
- Overseas ATM
- MariBank waives its withdrawal fee on the first S$500 per calendar month through 31 Mar 2027. Its standard 2% fee applies above that allowance or after the offer ends. ATM operators can charge separately.
Pay in Singapore. Send money to Malaysia.
- Singapore QR payments
- Scan & Pay supports participating PayNow, NETS and SGQR merchants in Singapore.
- SGD → MYR bank transfer
- The published fee is S$3 when sending from SGD. Eligible transfers receive a fee waiver through 31 Dec 2026. Check the exchange rate and final amount the recipient will get in the app.
Opening a Singapore account
- Age & residency
- Age 16+. Singapore citizens, permanent residents and foreigners with a valid pass may apply.
- What to prepare
- A Singapore mobile number and Singpass with an up-to-date Singapore residential address.
- Getting the debit card
- New account holders get a virtual card when approved. Existing account holders can request one in the app. The physical card is optional.
Deposit protection
Eligible SGD deposits are covered by SDIC up to S$100,000 in total per depositor per scheme member. Foreign-currency deposits and investment products are outside this coverage.
A few useful answers
Can a Malaysian Work Permit holder open an account?
MariBank lists foreigners with a valid pass. Its public eligibility page does not enumerate EP, S Pass or Work Permit. Check your pass and Singapore address in the app or with MariBank before relying on the account.
Can I spend directly from a USD savings balance?
Card purchases are funded from your SGD balance. A foreign-currency purchase is converted into SGD at the applicable exchange rate.
Product terms & references
Checked 5 November 2026 · Provider pricing can change. Confirm the quote in the app before paying.