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myASNB · Ria · 2026

ASNB Referral Code Malaysia 2026

Q: What is the ASNB referral code for 2026?

The ASNB referral code for 2026 is ZP3HXD. Enter this code when making your first investment via Ria (the robo portfolio inside the myASNB app) to receive RM10 free. Minimum investment is RM100.

Q: What is Ria in the myASNB app?

Ria is a robo portfolio feature built inside the myASNB mobile app. It automatically invests your money into ASNB unit trust funds (ASB, ASM, ASN, etc.) based on your risk profile. It is NOT a separate app — you access Ria from within myASNB. The government guarantees the principal capital.

Q: How do I use the MyASNB referral code ZP3HXD?

1) Download myASNB app (Google Play or App Store). 2) Register and verify your identity. 3) Navigate to the Ria robo portfolio section. 4) Enter referral code ZP3HXD when prompted. 5) Make your first investment of RM100. 6) RM10 bonus is credited to your account. Note: the code is automatically copied to clipboard when you tap the app store button below.

Q: Is ASNB safe? Is my money guaranteed?

Yes — ASNB (Amanah Saham Nasional Berhad) is a subsidiary of PNB (Permodalan Nasional Berhad), which is fully owned by the Malaysian government. The principal amount (capital invested) is 100% guaranteed by the government. Historical dividend: ~5.75% per year consistently since 2012. It is one of the safest investment instruments in Malaysia.

Q: ASNB vs fixed deposit — which is better?

ASNB wins on return: ~5.75% dividend vs FD 3.5–4.0% at most banks. Both have capital guarantee. Key difference: FD has lock-in period; ASNB allows withdrawal anytime (ASB). For Bumiputera investors, ASB is the top choice. For non-Bumiputera, ASN/ASW are available — lower dividend (~4–5%) but still government-backed.

Code ZP3HXD — invest RM100 via Ria, get RM10 free

MyASNB Ria 2026 — At a Glance

Referral Code

ZP3HXD

Bonus

RM10 free

Min Investment

RM100 (first time)

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 start your first Ria investment.

Dividen ~5.75% · Jamin Kerajaan

RM1,044/bulan → RM1 Juta dalam 30 Tahun

Plus RM10 percuma bila melabur RM100 pertama. Guna kod ZP3HXD.

Simpan	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
🎁RM10 bonus terus masuk bila melabur RM100 pertama

Kod ZP3HXD disalin secara automatik apabila anda klik. Taip semasa daftar untuk dapatkan RM10.

*Unjuran berdasarkan dividen ~5.75% p.a. Dividen tidak dijamin tetapi konsisten sejak 2012.

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.

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.

Invest RM100 & Get RM10

Make your first investment of at least RM100. RM10 bonus is credited to your Ria portfolio.

Frequently Asked Questions

What is the ASNB referral code for 2026?↓

The ASNB referral code for 2026 is ZP3HXD. Enter this code when making your first investment via Ria (the robo portfolio inside the myASNB app) to receive RM10 free. Minimum investment is RM100.

What is Ria in the myASNB app?↓

Ria is a robo portfolio feature built inside the myASNB mobile app. It automatically invests your money into ASNB unit trust funds (ASB, ASM, ASN, etc.) based on your risk profile. It is NOT a separate app — you access Ria from within myASNB. The government guarantees the principal capital.

How do I use the MyASNB referral code ZP3HXD?↓

1) Download myASNB app (Google Play or App Store). 2) Register and verify your identity. 3) Navigate to the Ria robo portfolio section. 4) Enter referral code ZP3HXD when prompted. 5) Make your first investment of RM100. 6) RM10 bonus is credited to your account. Note: the code is automatically copied to clipboard when you tap the app store button below.

Is ASNB safe? Is my money guaranteed?↓

Yes — ASNB (Amanah Saham Nasional Berhad) is a subsidiary of PNB (Permodalan Nasional Berhad), which is fully owned by the Malaysian government. The principal amount (capital invested) is 100% guaranteed by the government. Historical dividend: ~5.75% per year consistently since 2012. It is one of the safest investment instruments in Malaysia.

ASNB vs fixed deposit — which is better?↓

ASNB wins on return: ~5.75% dividend vs FD 3.5–4.0% at most banks. Both have capital guarantee. Key difference: FD has lock-in period; ASNB allows withdrawal anytime (ASB). For Bumiputera investors, ASB is the top choice. For non-Bumiputera, ASN/ASW are available — lower dividend (~4–5%) but still government-backed.

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