Kuala Lumpur, 24 November 2025 – Malaysians have embraced Ryt Bank’s 4% p.a. savings rate, and the bank is keeping it. This December, The World’s First AI-powered bank is giving customers even more ways to be rewarded, introducing enhanced cashback and smarter features that make every ringgit go further.
Boost your Save Pockets to 4% p.a. — just by spending as usual.
Use your Ryt Card for everyday purchases and earn stamps automatically. We’ll start you off with 2 free stamps, then only 3 transactions in your first month to unlock the bonus. From there, simply collect 5 stamps every 30 days to keep enjoying your boosted rate. No lock-in. Paid daily.
On top of that, they can now enjoy local cashback of up to RM12 for local spend, 1.2% unlimited overseas cashback, and rewards via Ryt AI, all designed to make everyday banking simple, rewarding, and effortless.
“Malaysians told us they want a bank that delivers great savings, real cashback, and smart tools that make life easier,” said Melvin Ooi, CEO of Ryt Bank. “We’ve kept the 4% p.a. interest because it matters, and built on it with Ryt Card, Ryt AI, and Ryt PayLater – giving customers more ways to earn and manage their money effortlessly.”
Since its launch, Ryt Bank has welcomed hundreds of thousands of Malaysians who are earning daily interest and cashback that fit their lifestyle. The bank’s ecosystem — spanning savings, payments, credit, and AI assistant — continues to expand, reflecting its mission to make banking feel more human, connected, and rewarding.
What’s New This December
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Getting 4% p.a. in your Save Pockets is easy. Simply use your Ryt Card or make a JomPAY bill payment to boost your rate. We’ll start you off with 2 free stamps. Just make 3 successful transactions in your first month to unlock the bonus. After that, keep spending or paying bills as usual to collect 5 stamps every 30 days and continue enjoying 4% p.a. No lock-in. Interest paid daily. That’s it.
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Local cashback for December 2025. Earn 1.2% cashback, up to RM12 for the month, at MyDebit merchants such as Secret Recipe, FamilyMart, 7-Eleven, Tealive, MyNews, Lotus’s, Mr DIY, Guardian, 99 Speedmart and over 300,000 physical merchants nationwide.
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Overseas cashback. Enjoy unlimited 1.2% cashback on all foreign physical card transactions with zero FX fees.
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Ryt PayLater. Get instant credit up to RM1,499 with 0% interest for the first month, no documents needed, no late fees.
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Ryt AI Rewards. Earn up to RM5 when you transact with Ryt AI including any JomPAY payments made.
With daily interest, simple unlock conditions, and multiple reward streams, Ryt Bank continues to build a system where customers are rewarded for how they live, spend, and save, all within one easy-to-use app.
Available starting December 1st on the Ryt Bank app. Terms and conditions apply.
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Website: www.rytbank.my
