How the Trust Bank referral program works
Trust Bank pays S$8 cashback for every referred savings account and S$18 for every referred credit card, with no limit on referrals. The reward arrives as a digital scratch card rather than a direct credit, and unused scratch cards expire at the end of the month following issuance.
What the program pays
What makes this program different
The reward is a scratch card, not a payment. Trust Bank wraps a known cashback amount inside a gamified reveal that must be actively opened, and expires if ignored — so redemption requires a return visit to the app and a share of the liability never converts.
Why it works
Requiring an action to claim converts every reward into an app session.
A short expiry window creates urgency and produces predictable breakage.
Paying more for a credit card than a savings account steers referrals toward the higher-value product.
What to copy
- Make the reward require a deliberate claim. An automatic credit is invisible; a scratch card is an event.
- Differentiate the reward by the product referred, so advocates naturally push the ones worth more to you.
Trust Bank referrals, answered
How much does Trust Bank pay for a referral?
S$8 for every referred savings account and S$18 for every referred credit card, with no limit on the number of referrals.
Do Trust Bank referral rewards expire?
Yes. The reward arrives as a digital scratch card, and unused cards expire at the end of the month following the month they were issued.
Trust Bank is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Trust Bank. All terms described here are taken from Trust Bank’s own published materials as at 4 August 2026 and may have changed since. Trade marks are the property of their respective owners.
Want a program like Trust Bank’s?
ReferralFlo runs the mechanics on this page \u2014 tiered rewards, qualification rules, caps and payouts \u2014 without engineering time.