Home › Finance
Ryt Bank: AI-Powered Bank
Save, Spend, Pay Later, Invest
US
BYNot Available
EENot Available
KYNot Available
ZMNot Available1 of 5 storefronts
Content in en-US
Content in en-US
Information
Preview 1 platform
iPhone 10 images
What’s New Version 1.39.0
Ryt Card - Enjoy unlimited domestic ATM withdrawals with no fees.
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
T&Cs apply.
Description
Meet Ryt Bank. The World’s First AI-Powered Bank.
Experience banking done right with speed, simplicity, and innovation. Proudly made in Malaysia, for Malaysians. Built by YTL Digital Capital and Sea Limited. Licensed by Bank Negara Malaysia and protected by PIDM for up to RM250,000 per depositor.
Why Ryt Bank?
• Sign up - As fast as 2 minutes.
• Get paid daily up to 4% p.a. No lock-in.
• Ryt Card - Switch your payment mode between debit and pay later anytime.
• Ryt PayLater - Instant credit up to RM1,499. No documents. No late fees. Flexible installments up to 12 months at low monthly rates. Eligibility checks apply.
• Ryt AI - The magic of effortless banking. Snap, upload and pay in seconds.
• Ryt Invest - Supercharge your savings and grow your wealth from just RM1.
• Ryt Insights - Get real time spending notifications and smart categorisation.
• Pay effortlessly with DuitNow transfers, QR payments and scheduled transfers.
• Secure banking right from the start - with biometric verification, end-to-end encryption, real-time fraud alerts. We take your security seriously.
• Supports English, Bahasa Melayu, and Mandarin.
This is just the beginning.
Join us in building the bank Malaysians truly deserve — one that’s built to do the right thing, always.
Terms and Conditions:
https://www.rytbank.my/general-terms-and-conditions
Associated Fees:
https://www.rytbank.my/fees-and-limits
Company Information:
Level 37, Menara Southpoint, Mid Valley City
Lingkaran Syed Putra
Kuala Lumpur
Wilayah Persekutuan
Customer Support:
In-App Live Chat (available 24/7)
Website:
https://www.rytbank.my
Business Hours: 8.00AM - 8.00PM (daily)
Download Ryt Bank today.
Capabilities
Wallet
Accessibility
ipadiphonemacrealityDevicetvoswatch
Version history 25 versions
Build 887575349v1.39.02026-07-02 03:37:00
Ryt Card - Enjoy unlimited domestic ATM withdrawals with no fees.
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
T&Cs apply.
Build 886966622v1.38.02026-06-17 07:02:22
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
Build 886600164v1.37.12026-06-08 08:37:20
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
Build 886318952v1.37.02026-06-03 11:56:23
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
Build 886000551v1.36.12026-05-28 02:45:52
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
Build 885784236v1.36.02026-05-21 06:26:59
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
Build 885265391v1.35.02026-05-07 03:29:14
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 884713567v1.34.02026-04-22 07:10:49
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 884184736v1.33.12026-04-13 06:07:33
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 883650651v1.32.02026-03-27 02:17:52
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
Discover your Raya personality and see your festive vibe come to life! Simply use this magic phrase on Ryt AI: “What’s my Raya vibe”.
Build 883457251v1.31.02026-03-18 10:56:50
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
Discover your Raya personality and see your festive vibe come to life! Simply use this magic phrase on Ryt AI: “What’s my Raya vibe”.
Build 882849874v1.30.12026-03-05 02:41:33
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
Build 882749399v1.30.02026-02-27 04:36:02
Get unlimited Angpows, each up to RM88: This Chinese New Year, sharing means more HUAT. Refer your family and friends, get them activated, and both of you can receive an Angpow — on us.
Discover your 2026 Chinese zodiac reading with Ryt AI: Uncover your luck, vibes, and fortune! Simply use this magic phrase on Ryt AI "What's my Huat" and see what’s in store for you.
Build 882285908v1.29.02026-02-10 13:47:00
Get unlimited Angpows, each up to RM88: This Chinese New Year, sharing means more HUAT. Refer your family and friends, get them activated, and both of you can receive an Angpow — on us.
Discover your 2026 Chinese zodiac reading with Ryt AI: Uncover your luck, vibes, and fortune! Simply use this magic phrase on Ryt AI "What's my Huat" and see what’s in store for you.
Build 881910628v1.28.02026-01-29 06:21:30
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 881416920v1.27.02026-01-19 02:31:37
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 880675218v1.26.02025-12-18 06:22:02
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 880225872v1.25.02025-12-03 01:04:03
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 879921854v1.24.02025-11-25 09:41:37
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 879483303v1.23.02025-11-06 03:08:20
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 879076379v1.22.02025-10-27 03:06:22
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
Build 878708912v1.21.02025-10-08 02:52:54
What’s new:
Payments just got easier.
You’ll now find ‘Snap and pay’ right on the Scan button of your home screen. Just tap, snap, and Ryt AI takes care of the rest.
Build 878328057v1.20.02025-09-24 01:56:02
What’s new:
Mandarin is now available on Ryt Bank.
Select "Simplified Chinese" in your language settings.
Ryt Bank now supports English, Bahasa Melayu, and Mandarin.
Build 878098053v1.19.02025-09-16 02:15:55
What’s new:
• Earn up to 4% p.a. interest, paid daily.
• Get a free Ryt Card with unlimited 1.2% cashback on overseas spend and no foreign transaction fees.
• Ryt PayLater: Instant credit up to RM1,499. Spend and earn 1.2% cashback!
• Ryt AI now supports JomPay. Chat, pay, and earn up to RM5 cashback.
T&Cs apply.
Build 877865852v1.18.12025-09-08 02:59:55
What’s new:
• Earn up to 4% p.a. interest, paid daily.
• Get a free Ryt Card with unlimited 1.2% cashback on overseas spend and no foreign transaction fees.
• Ryt PayLater: Instant credit up to RM1,499. Spend and earn 1.2% cashback!
• Ryt AI now supports JomPay. Chat, pay, and earn up to RM5 cashback.
T&Cs apply.
No pricing data captured yet — comparisons appear once the app has paid storefronts or in-app purchases.
Availability 1 of 5 storefronts
| Region | Language | Price | Ratings | Avg | Version |
|---|---|---|---|---|---|
| US | en-US | Free | 7 | 4.4 | 1.39.0 |
Not available in: BY, EE, KY, ZM
Change log 29 changes · US
✎
releaseNotes updated
Ryt Card - Enjoy unlimited domestic ATM withdrawals with no fees.
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0%
✎
description updated
Meet Ryt Bank. The World’s First AI-Powered Bank.
Experience banking done right with speed, simplicity, and innovation. Proudly made in Malaysia, for Malaysian
✎
subtitle updated
Save, Spend, Pay Later, Invest
✎
name updated
Ryt Bank: AI-Powered Bank
◆
Version 1.39.0 released
Ryt Card - Enjoy unlimited domestic ATM withdrawals with no fees.
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with
◆
Version 1.38.0 released
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode betwee
◆
Version 1.37.1 released
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode betwee
◆
Version 1.37.0 released
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode betwee
◆
Version 1.36.1 released
Ryt Invest - Supercharge your savings from just RM1. Earn potential returns from 5% p.a., 0% sales fee on selected funds, plus a guaranteed extra 1.0% p.a. bonus return with no cap.
Pay later with Ryt Card - Switch your payment mode betwee
◆
Version 1.36.0 released
Pay later with Ryt Card - Switch your payment mode between debit and Ryt PayLater anytime in the app.
T&Cs apply.
◆
Version 1.35.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.34.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.33.1 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.32.0 released
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
Discover your Raya personality and see your festive vibe come to life! Sim
◆
Version 1.31.0 released
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
Discover your Raya personality and see your festive vibe come to life! Sim
◆
Version 1.30.1 released
Kongsi Rezeki Duit Raya: Get unlimited Duit Raya when you refer your family and friends. Once they activate their account, both of you will receive rewards — on us.
◆
Version 1.30.0 released
Get unlimited Angpows, each up to RM88: This Chinese New Year, sharing means more HUAT. Refer your family and friends, get them activated, and both of you can receive an Angpow — on us.
Discover your 2026 Chinese zodiac reading with Ryt AI
◆
Version 1.29.0 released
Get unlimited Angpows, each up to RM88: This Chinese New Year, sharing means more HUAT. Refer your family and friends, get them activated, and both of you can receive an Angpow — on us.
Discover your 2026 Chinese zodiac reading with Ryt AI
◆
Version 1.28.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.27.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.26.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.25.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.24.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.23.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.22.0 released
A little tune-up, done Ryt.
We’ve fixed a few minor bugs and made subtle improvements to keep things smooth, stable, and seamless, because you deserve banking that just works.
Update now for the best experience.
◆
Version 1.21.0 released
What’s new:
Payments just got easier.
You’ll now find ‘Snap and pay’ right on the Scan button of your home screen. Just tap, snap, and Ryt AI takes care of the rest.
◆
Version 1.20.0 released
What’s new:
Mandarin is now available on Ryt Bank.
Select "Simplified Chinese" in your language settings.
Ryt Bank now supports English, Bahasa Melayu, and Mandarin.
◆
Version 1.19.0 released
What’s new:
• Earn up to 4% p.a. interest, paid daily.
• Get a free Ryt Card with unlimited 1.2% cashback on overseas spend and no foreign transaction fees.
• Ryt PayLater: Instant credit up to RM1,499. Spend and earn 1.2% cashback!
• Ryt A
◆
Version 1.18.1 released
What’s new:
• Earn up to 4% p.a. interest, paid daily.
• Get a free Ryt Card with unlimited 1.2% cashback on overseas spend and no foreign transaction fees.
• Ryt PayLater: Instant credit up to RM1,499. Spend and earn 1.2% cashback!
• Ryt A