# Trust

Canonical page: https://singapore-starter.fyi/providers/trust/

A Singapore digital bank for everyday banking.

Trust is a digital bank backed by Standard Chartered and FairPrice Group. Start with its savings account; credit cards require separate approval.

Listing type: referral.
Official website: https://trustbank.sg/savings-account/

## Referral and signup

Recipient benefit: An eligible new credit-card signup gets a golden scratch card with cashback up to S$8,000. Rewards vary; the maximum is not guaranteed.
Owner benefit: S$50–S$8,000 cashback from a golden scratch card for an eligible credit-card referral. For a savings-account referral, I get S$8–S$1,888 cashback instead.

Referral code: `2F3HCUYP`
Offer expiry: Not published.
Compare expiry with the current time; expired details are historical, not an active offer.

### Conditions

- Be new to Trust and use the owner's referral code when signing up for an eligible credit card.
- Credit-card approval, residency, income and campaign conditions apply.
- Cashback scratch-card rewards vary; the maximum is not guaranteed.
- Savings-account referrals are a separate offer. Check the savings-only signup benefit in the app; the credit-card gift does not apply.

### Steps

1. Download the Trust app from the official Trust website.
2. Enter 2F3HCUYP during signup, before completing an eligible credit-card application.
3. Review the current referral offer and complete the required steps shown in the app.

## Saved cost information

Credit cards: S$0 annual fee

### Freedom credit card · annual fee

Price: S$0.00/year
GST: not-applicable
Contract: Not specified.
Rate type: not-applicable

- No annual card fee. This is the card fee, not the cost of borrowing.
- Foreign currency purchases use Visa exchange rates with no foreign transaction fee from Trust.
- Additional charge: Interest applies if you do not repay in full; check your personalised rate in the Trust app.
- Additional charge: Late payment fee: S$100, or S$200 if your statement includes a loan instalment.
- Additional charge: Cash advances over S$5 incur an 8% fee; overseas ATM operators may also charge.

## Dates and sources

Pricing source check: 2026-10-09T01:23:29Z
Pricing recheck due: 2026-10-23T01:23:29.000Z
Referral source check: 2026-10-09T01:23:29Z
Referral recheck due: 2026-10-23T01:23:29.000Z

Dates concern cited public terms or prices, not successful redemption of a personal code. Prices and rewards can change. Null or missing terms are not guarantees.

- [Trust Freedom credit card](https://trustbank.sg/freedom-credit-card/)
- [Trust Link credit card](https://trustbank.sg/link-credit-card/)
- [Trust Freedom credit card key facts sheet](https://trustbank.sg/legal/trust-freedom-credit-card-key-facts-sheet/)
- [About Trust Bank](https://trustbank.sg/who-we-are/)
- [Trust savings account](https://trustbank.sg/savings-account/)
- [Trust Refer and Earn programme](https://trustbank.sg/refer-and-earn/)

For evidence limitations, consult the pricing/referral issue fields in the [JSON feed](https://singapore-starter.fyi/data/providers.json).