1st Anniversary Special · Ends 30 Sep 2026

Ryt Bank Referral Code Malaysia 2026

Use code BRVRG — get RM100* when you sign up, activate, and complete one task

*Randomised reward: every successful referral pays RM100 or RM5, so RM5 is the guaranteed minimum. You and your friend each get your own amount.

Ryt Bank 2026 Referral — At a Glance

Referral Code

BRVRG

Reward

RM100 or RM5

Guaranteed Minimum

RM5

Campaign Ends

30 Sep 2026

Enter code BRVRG during registration — it cannot be added afterwards. Randomised RM100 or RM5 reward, minimum RM5 guaranteed. Ends 30 Sep 2026. T&Cs apply.

Ulang Tahun Pertama Ryt Bank · Tamat 30 Sep 2026

Daftar Ryt Bank — Dapat RM100*

Guna kod BRVRG, aktifkan akaun, dan buat satu tugasan mudah. Anda dan kawan anda dua-dua dapat ganjaran tunai.

Langkah	Apa Perlu Buat
1. Daftar	Muat turun app Ryt Bank, masukkan kod BRVRG semasa pendaftaran
2. Aktifkan	Lengkapkan eKYC dengan MyKad — akaun aktif dalam beberapa minit
3. Buat satu tugasan	Cipta/sertai Ryt Group ATAU pindahan RM10 melalui Ryt AI
4. Terima ganjaran	RM100 atau RM5 masuk ke Ryt Pocket (sehingga 14 hari bekerja)

✅ Berlesen Bank Negara Malaysia, deposit dilindungi PIDM sehingga RM250,000
✅ Tiada deposit minimum, tiada yuran bulanan untuk dapatkan ganjaran
✅ Boleh refer seberapa banyak kawan — tiada had bilangan referral

Kod Rujukan:BRVRG

Daftar Ryt Bank & Tuntut RM100* →

*Ganjaran rawak — setiap referral berjaya bayar RM100 atau RM5 (minimum RM5 dijamin), untuk anda dan kawan anda. Tamat 30 Sep 2026, tertakluk kepada peruntukan Ryt Bank. T&C terpakai.

Muat turun: Google Play · App Store

How to Enter the Ryt Bank Referral Code — 5 Steps to RM100

The reward only pays out if the code goes in at sign-up and you complete one qualifying task afterwards. Most people miss step 4.

Download the Ryt Bank app

Search for Ryt Bank on the App Store or Google Play. It is the official app of a BNM-licensed digital bank.

Tap the referral code field and enter BRVRG

The referral code field appears during sign-up, before eKYC. If you skip it you cannot add the code later — the reward is tied to the code entered at registration.

Complete eKYC with your MyKad

Scan the front and back of your MyKad and take a selfie. Approval is usually within minutes. Your account must be activated to qualify.

Do ONE qualifying task

Either create or join a Ryt Group to split expenses, or make a minimum RM10 transfer through Ryt AI — to another bank, to another Ryt Bank user, or a JomPAY bill payment.

Get paid into your Ryt Pocket

Your randomised RM100 or RM5 lands in your Ryt Pocket. Allow up to 14 business days; the person who referred you is paid separately.

Also Live: RM12 Shopee Voucher for a New Ryt Card

A separate campaign from the referral reward, running to the same deadline. You can claim both — they are earned in different ways, so treat them as two steps rather than one combined prize.

RM12Shopee voucher · 21 Jul – 30 Sep 2026 2026

1Order a physical Ryt Card in the app — you must not have ordered one before the campaign started.
2Activate the card when it arrives. The 14-day clock starts here, not at sign-up.
3Make 3 in-store purchases of at least RM20 each with the physical card, in Malaysia, in ringgit, within those 14 days.
4Collect the RM12 voucher code from the campaign page in the Ryt Bank app.

The catch, plainly: only customers who have never ordered a physical Ryt Card qualify, each of the three purchases must be at least RM20 in a physical store in Malaysia, and online or card-not-present spending does not count. That is RM60 of in-store spending to unlock RM12 — worth it if you were going to spend it anyway, not worth spending for. The voucher code appears on the campaign page in the app, within 14 business days, and vouchers are first-come-first-served until Ryt’s allocation runs out.

Ryt Bank Rates 2026 — What You Actually Get

Plenty of sites claim “1.2% cashback on everything”. That is not what the terms say. Here is the accurate version, checked against Ryt Bank’s own pages.

Benefit	Rate	The Catch
Referral reward	RM100 or RM5	Randomised, both sides. Ends 30 Sep 2026, first-come-first-served
Shopee voucher — new card	RM12	Order + activate a physical Ryt Card, then 3 in-store buys of RM20+ within 14 days
Savings — first RM20k	4.0% p.a.	2.05% base + 1.95% bonus; bonus needs a daily stamp (RM10+ card txn or JomPAY)
Savings — above RM20k	2.05% p.a.	Base rate only, paid daily, no lock-in
Card cashback — overseas	1.2% unlimited	In-store, physical card only. No FX fee. Not online or foreign websites
Card cashback — local	No standing rate	The 1.2% MyDebit campaign ran in Dec 2025 only. The RM12 Shopee voucher is the live local-spend offer

Sources: Ryt Bank savings account, Ryt Card and referral campaign terms. Verified August 2026 — rates and campaigns change, always confirm in the app.

Is Ryt Bank Legit? — 4 Things That Check Out

✅ BNM-licensed

Ryt Bank Berhad holds a digital banking licence from Bank Negara Malaysia — not an e-wallet, an actual bank.

✅ PIDM-protected

Deposits insured up to RM250,000 per depositor, identical to Maybank or CIMB.

✅ 1.5 million customers

Passed 1.5 million customers in August 2026 — the largest digital bank in Malaysia by customer count.

✅ Backed by YTL and Sea Limited

A joint venture between YTL Digital Capital and Sea Limited, the owner of Shopee — not an anonymous startup.

Verdict: Ryt Bank is a genuine BNM-licensed, PIDM-protected Malaysian bank with 1.5 million customers, so the referral reward is real — but it is randomised, so treat RM5 as the likely outcome and RM100 as the upside.

Ryt Bank vs Digital Banks Malaysia 2026

Bank	Sign-Up Reward	Best For	Code
Ryt Bank	RM100 or RM5	Savings 4.0% + overseas spend	BRVRG
GX Bank	Up to RM225	FlexiCredit + Grab ecosystem	OOIY691
AEON Bank	Check app	Shariah savings, AEON Mall perks	AB572574
ShopeePay	Cashback vouchers	Shopee spend	22CKLWLLB

You can hold all of these at once — they serve different purposes and each pays its own sign-up reward.

Frequently Asked Questions

What is the Ryt Bank referral code for Malaysia 2026?↓

The Ryt Bank Malaysia referral code is BRVRG. Enter it during sign-up to join the 1st Anniversary referral campaign, which pays a randomised RM100 or RM5 to both you and the person who referred you. The campaign runs until 30 Sep 2026, 11:59PM.

How do I get the RM100 Ryt Bank referral reward?↓

Three steps. First, sign up for a new Ryt Bank account using referral code BRVRG. Second, complete eKYC with your MyKad so the account is activated. Third, complete one qualifying task: either create or join a Ryt Group, or make a minimum RM10 transfer using Ryt AI (transfer to another bank, transfer to another Ryt Bank user, or a JomPAY bill payment). The reward is credited to your Ryt Pocket within 14 business days.

Is it really RM100, or is it random?↓

It is randomised. Each successful referral pays either RM100 or RM5, so RM5 is the guaranteed minimum and RM100 is the upside. Both the referrer and the new customer receive their own randomised amount. Rewards are also allocated on a first-come, first-served basis up to a maximum pool set by Ryt Bank, so signing up earlier in the campaign is better.

Does Ryt Bank really give 1.2% cashback on everything?↓

No — this is widely misreported. The 1.2% unlimited cashback applies to in-store overseas spending with the physical Ryt Card, and Ryt also charges no FX fee on those transactions. Card-not-present transactions and purchases on foreign websites are not eligible. A 1.2% local MyDebit cashback campaign did run in December 2025, but it was capped at RM12 for the whole campaign and has since ended. Check the app for any live local campaign before planning your spending around it.

How do I get the RM12 Shopee voucher from Ryt Bank?↓

Order and activate a physical Ryt Card, then make three in-store purchases of at least RM20 each with that card within 14 days of activating it. The purchases must be in Malaysia, in ringgit, and card-present — online and card-not-present transactions, wallet top-ups, gambling and quasi-cash are all excluded. So the real requirement is RM60 of in-store spending. Only customers who had never ordered a physical Ryt Card before the campaign started are eligible, and the campaign runs to 30 Sep 2026 2026 on a first-come, first-served basis. The voucher code appears on the campaign page in the app within 14 business days. This is separate from the RM100 referral reward — you can earn both.

What is the Ryt Bank savings interest rate?↓

Ryt Bank pays 2.05% p.a. base interest daily on all Save Pocket balances, plus a 1.95% p.a. bonus that takes the total to 4.0% p.a. The 4.0% rate applies to the first RM20,000 across your Save Pockets; anything above RM20,000 earns the 2.05% base rate. The bonus is unlocked with a stamp card — one stamp per day for a RM10 minimum Ryt Card transaction or a JomPAY bill payment. New customers get 4.0% p.a. for their first 30 days after activation.

Is Ryt Bank safe and licensed in Malaysia?↓

Yes. Ryt Bank Berhad is licensed by Bank Negara Malaysia and deposits are protected by PIDM up to RM250,000 per depositor — the same protection as a conventional bank. As of August 2026 Ryt Bank has passed 1.5 million customers, making it the largest digital bank in Malaysia by customer count.

Kod Referral Ryt Bank (BM)

Versi Bahasa Melayu — kod BRVRG, dapat RM100*

Ryt Bank Review Malaysia

Honest review — savings rate, the cashback catch, verdict

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