Open an account in 2 minutes with just RM1. No catch, no hidden fees. Every sign-up gets a guaranteed angpow.
Pro tip: Copy the code BEFORE downloading — you'll need it during sign-up
Every new sign-up receives a random angpow of up to RM88 — credited instantly to your account.
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 angpow.
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 to get the app from the App Store or Google Play.
Open the app, enter your details, and verify your identity. Takes about 2 minutes.
When prompted, enter the referral code below to claim your angpow of up to RM88.
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.
Download the Ryt Bank app using the button on this page, complete your sign-up in about 2 minutes, and your CNY angpow of up to RM88 will be credited to your new account automatically.
You need to activate your account by transferring at least RM1 from your own savings account at another bank. E-wallet top-ups don't count. The bank account must be registered under your name (not a joint account).
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 new sign-up receives a random angpow of up to RM88. The amount varies, but every sign-up is guaranteed to receive an angpow reward during the CNY 2026 campaign period.
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. The bonus interest campaign has been extended to June 2026.
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 CNY 2026 promo is for a limited time only. It takes 2 minutes and costs nothing.