Sign up in 2 minutes, complete one quick step, and we both get rewarded. No catch, no hidden fees.
That's it — we both get rewarded. Copy the code BEFORE downloading; you'll need it during sign-up.
Sign up with a referral code, then join a Ryt Group or send RM10 via Ryt AI — each successful referral earns RM100 or a guaranteed RM5.
Download the app, enter your IC, and you're done. No branch visits, no paperwork, no waiting.
Fully licensed by Bank Negara Malaysia. Deposits protected up to RM250,000 by PIDM.
Fund your account with just RM1 from any existing bank. No minimum balance, no hidden fees.
Here's what you keep after the RM100.
Powered by ILMU, Malaysia's first homegrown LLM. Banking that actually understands you.
Just tell Ryt AI who and how much. That's it.
Swipe down on Home Screen to activate Ryt AI
Tap the button below, then sign up with your IC. Takes about 2 minutes. When prompted, enter this referral code:
Create or join a Ryt Group to split expenses with anyone — OR send RM10 via Ryt AI (just tap "Pay @someone" to get started).
Once the step is done, the referral reward is unlocked — RM100 or a guaranteed RM5.
Yes. Ryt Bank is a licensed digital bank regulated by Bank Negara Malaysia (BNM). Your deposits are protected by PIDM (Perbadanan Insurans Deposit Malaysia) up to RM250,000. Ryt Bank also employs advanced security features including biometric login and real-time fraud monitoring. Ryt Bank is owned by YTL Digital Capital, a subsidiary of the established YTL Corporation.
Sign up using the referral link on this page (about 2 minutes), then complete ONE of these in the app: create or join a Ryt Group to split expenses with anyone, or send RM10 to someone via Ryt AI. Once that's done, you and your referrer both get rewarded.
Signing up alone isn't enough — you need to complete one qualifying step: create or join a Ryt Group to split expenses, OR send RM10 via Ryt AI (just tap "Pay @someone" to get started). Also make sure you signed up through a referral link or entered a referral code.
The easiest way is to use the link on this page — the referral is tracked automatically. If you're prompted for a referral code during sign-up, enter CMAAB.
Each successful referral earns RM100 or a guaranteed RM5 during Ryt Bank's 1st Anniversary campaign. Both you and your friend get rewarded once the qualifying step (Ryt Group or RM10 via Ryt AI) is completed.
Any Malaysian citizen or resident aged 18 and above who does not yet have a Ryt Bank account. You'll need a valid Malaysian IC and a smartphone to complete sign-up.
Just RM1 to open and activate your account — fund it from any existing bank account. There are no minimum balance requirements and no hidden fees after that.
Ryt Bank offers up to 4% p.a. on your first RM20,000 in Save Pockets. Interest is calculated and paid daily — not monthly. There's no lock-in, so you can withdraw anytime. See the bonus interest campaign for current terms.
Ryt AI is your AI-powered banking assistant. You can upload bills or receipts and it prepares the payment for you, send money to contacts by name, get spending insights, and more. It supports English, Bahasa Malaysia, and 中文.
The Ryt Card is a free Visa card (virtual + physical) with unlimited 1.2% cashback on overseas in-store spending, 0% foreign transaction fees, 1.2% domestic cashback, and 20% off dining at selected YTL Hotels restaurants.
Ryt PayLater gives you instant credit of up to RM1,499. No documents needed, no late fees, and 0% interest for the first month. Available for QR payments with plans to expand to debit card and online banking.
This 1st Anniversary promo is for a limited time only. Sign up in 2 minutes, do one quick step, and we both get rewarded.