ASNB Referral Code Malaysia 2026
Code ZP3HXD — deposit RM100 into a Ria portfolio, hold 30 days, get RM25 free
Referral Code
ZP3HXD
Bonus
RM25 free
Min Deposit
RM100 (hold 30 days)
Annual Dividend
~5.75% p.a.
Capital Guarantee
100% by Gov.
Platform
myASNB app
What is Ria in myASNB?
Ria is a robo portfolio feature built inside the myASNB app — not a separate product. It automatically invests your money into ASNB unit trust funds based on your selected risk level.
Think of it as the “auto-invest” version of ASNB: instead of manually choosing funds each month, Ria does the allocation for you. The underlying funds are all government-backed ASNB products (ASB, ASN, ASW, ASM).
Key distinction
myASNB app = the app itself. Ria = a feature inside the app. Code ZP3HXD is for the Ria feature specifically — enter it when you sign up, before your first Ria deposit.
Dividen ~5.75% · Jamin Kerajaan🏆 Kempen Pandu Impianmu 2.0
Labur RM500 — Peluang Menang BMW 320i M Sport
Setiap RM500 dilaburkan = 1 tiket cabutan. Labur via app myASNB = 2× tiket. Guna kod GENLABUR semasa melabur.
| Cabutan | Hadiah Utama |
|---|---|
| Draw 1 (kini–Sep 2026) | Proton e.Mas 7 PHEV + 3x Bezza 1.3X |
| Grand Draw (kini–Mac 2027) | BMW 320i M Sport + 3x Bezza 1.3X |
Dan jangan lupa — simpanan anda membesar:
| Simpan/bln | 10 thn | 20 thn | 30 thn |
|---|---|---|---|
| RM500 | RM80k | RM224k | RM479k |
| RM1,000 | RM161k | RM449k | RM959k |
| RM1,044 | RM168k | RM469k | RM1.0M |
- ✅Modal 100% terjamin kerajaan — tiada risiko kehilangan
- 📈Dividen ~5.75%/tahun — lebih tinggi daripada FD kebanyakan bank
- 🎁RM25 bonus bila deposit RM100 dalam portfolio Ria dan kekalkan 30 hari (kod ZP3HXD)
Kod rujukan ZP3HXD disalin automatik apabila klik — taip semasa daftar untuk RM25. Guna kod kempen GENLABUR semasa melabur untuk 2× tiket.
*Unjuran berdasarkan dividen ~5.75% p.a. Dividen tidak dijamin tetapi konsisten sejak 2012. Kempen Pandu Impianmu 2.0 hingga Mac 2027.
ASNB vs FD vs Savings — Return Comparison
| Product | Rate | Capital Safe? | Lock-in |
|---|---|---|---|
| ASB (Bumiputera) | ~5.75% dividend | Yes — Gov. | None |
| ASN/ASW/ASM | ~4–5% dividend | Yes — Gov. | None |
| Bank FD (12 mo) | 3.5–4.0% | Yes — PIDM | 12 months |
| Ryt Bank Savings | 4.0% p.a. | Yes — PIDM | None |
| Regular savings | <1% | Yes — PIDM | None |
ASNB dividends are declared annually — not guaranteed but consistent since 2012. Capital is 100% government-guaranteed.
How to Use Referral Code ZP3HXD
Download myASNB App
Search 'myASNB' on Google Play or App Store. It is the official app by PNB.
Register & Verify eKYC
Enter your MyKad number, phone number, and complete face verification. Takes ~5 minutes.
Navigate to Ria
Tap 'Ria' or 'Robo Portfolio' inside the app dashboard.
Enter Referral Code
When prompted for a referral code, enter ZP3HXD. Tap the button below to auto-copy it first.
Deposit RM100 & Get RM25
Deposit at least RM100 into any Ria portfolio and hold it for 30 days. RM25 is credited within 25 business days after eligibility is validated.
