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 - Unlimited 1.2% cashback on overseas in-store spend.
• 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.
• 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.
Overall the app is great and smooth and for especially a GenZ like me is a must for an apps like these plus the Debit card is an great design . But what lack is shariah compliance and I’m happy with the services so far. But I really hope RYT Bank can also introduce Shariah-compliant banking options. Many users, including myself, are looking for financial products that align with Shariah principles, and it would make a big difference if RYT Bank provided this choice. It’s not only about inclusivity but also about trust and long-term loyalty. Adding this option would make the app and bank stand out even more in the market.
Developer Response
We appreciate your feedback on shariah compliance and your thoughts on enhancing inclusivity. Thank you for sharing your insights with us!
Review based on my own experience
Hyan__
I found out lots of people giving the 4-5stars rate but I can only gives 2stars(1star is minimum and 1more is for their juicy interest) Long story short I request the physical card 29/8 until today 5/9 the delivery status not yet updated and keep showing pending pickup. As I know the ninja van courier services are vey good so it’s bank problem and they not even make any arrangements for the pickup (I get this answer from the ninja van courier’s live agent) don’t know how long I still need to wait to receive the cardAnd also I have been trying for many digital bank but this one are the worst especially their services and live chat with agent services. So for others who not yet try or wants to try it you better don’t try it now. Wait few more weeks till they update all the things become smooth.
Developer Response
Hi, thank you for reaching out and letting us know. Please contact our Help & Support team for further assistance.
App crash and unreliable when needed
Iskandarluqman
The app keeps crashing on launch even after restart. After reinstalling, I had to call support just to unpair the same device and then wait 12 hours before using it again. Support told me the crash was due to internet issues and even suggested I “rest the app for 1 hour,” which was very frustrating because I needed access immediately. The verification process also felt redundant since support only asked for my phone number, something anyone trying to access my account would already know. Having to call just to prove that and still be forced to wait made the whole process unnecessarily complicated and time-consuming. Overall, this was a terrible experience for a banking app that should be reliable. Until Ryt Bank fixes these issues, I would not recommend it as a primary bank.
Developer Response
Hi, thank you for reaching out and letting us know. Please contact our Help & Support team for further assistance.
Enhancing Receipt Sharing Options for Improved User Experience
Af@i
The front-end interface is generally user-friendly and works well with the AI program. However, the receipt sharing functionality could be improved by offering clearer options: sharing with a link or without a link. Currently, the default behavior of sharing with a link can lead to a cluttered or confusing experience for the recipient. Providing a more flexible and intuitive sharing option would enhance usability.
Developer Response
Thank you for helping us improve the experience!
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 1.35.0
The developer, YTL Digital Bank Berhad, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
