Ryt Bank is the world’s first AI-powered bank.
Use my referral code KZ43S to sign-up for an account (2 minutes is all it takes to open a Ryt Bank account!) and enjoy the following benefits:
- Get paid daily, up to 4% p.a.
Earn 3% p.a. Base Interest on your Main Account balance, plus 1% p.a. Bonus Interest when you hit spending milestones. No lock-in. - 1.2% cashback with Ryt Card
Unlimited cashback and no FX fees on overseas in-store spend. This is better than using Wise card for your travels.
And, in conjunction with the Chinese New Year 2026 (Year of the Horse), for a limited time only from 12 February 2026 until further notice, signing up using my referral link will get you a red packet angpow worth up to RM 88!
Scan the QR code or click the link below to sign up using my referral code:

Referral link: https://referrals.rytbank.my/MCoA/he8miko4
For more info, see Ryt Bank referral campaign terms and conditions.