# Ryt Bank: AI-Powered Bank — Save, Spend, Pay Later, Invest

> AI-powered digital bank offering daily interest, cashback, and instant credit. (iPhone/iPad app by YTL Digital Bank Berhad.)

- Source: https://appshunter.io/ios/app/ryt-bank-ai-powered-bank/id6480042570 (this page in markdown: same URL + `.md`)
- Developer: [YTL Digital Bank Berhad](https://appshunter.io/developer/1737968115)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 10 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 175 MB
- Languages: American English, Malay, Chinese (Simplified, China)
- Released: 2025-04-07
- Data updated: 2026-09-02
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/ryt-bank-ai-powered-bank/id6480042570/reviews.md

## What is Ryt Bank?

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.

## Key features

- AI-powered banking
- Daily interest up to 4% p.a.
- 1.2% cashback on overseas spend
- Instant credit up to RM1,499
- Biometric verification
- DuitNow and QR payments

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/ryt-bank-ai-powered-bank/id6480042570/reviews.md

### 5/5 — Good

*2026-02-12*

The best and really cool easy to use and what more I love it you can earn an interest!!😍 I hope this application continues to grow👍🏻

### 5/5 — Best app ever

*2025-12-07*

Easy to use,friendly and usefull app👌🏻

**Developer response:** We appreciate your wonderful feedback and are glad you find the app user-friendly and useful!

## Frequently asked questions about Ryt Bank

### How secure is Ryt Bank?

Ryt Bank prioritizes security with biometric verification, end-to-end encryption, and real-time fraud alerts. It is licensed by Bank Negara Malaysia and deposits are protected by PIDM up to RM250,000.

### What are the benefits of the Ryt Card?

The Ryt Card offers unlimited 1.2% cashback on overseas in-store spending and has zero foreign transaction fees, making it ideal for international purchases.

### Can I get a loan with Ryt Bank?

Yes, Ryt PayLater provides instant credit up to RM1,499 with no documents required and no late fees. Eligibility checks apply, and flexible installments are available.

### How fast can I sign up for Ryt Bank?

The sign-up process for Ryt Bank is designed to be very fast, taking as little as 2 minutes to complete.

### What languages does Ryt Bank support?

Ryt Bank supports multiple languages, including English, Bahasa Melayu, and Mandarin, to cater to a diverse user base.

### Does Ryt Bank have ads?

Yes, Ryt Bank contains advertisements within the application.

### What is the interest rate for savings with Ryt Bank?

You can earn daily interest on your savings with Ryt Bank, with rates up to 4% per annum, and there is no lock-in period for your funds.

### How can I get customer support for Ryt Bank?

Customer support is available 24/7 through an in-app live chat feature. The app also provides links to terms and conditions and associated fees on its website.

## Version history (last 5 releases)

### 1.43.0 — 2026-08-27

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% p.a. bonus return with no cap.

T&Cs apply.

### 1.42.1 — 2026-08-19

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% p.a. bonus return with no cap.

T&Cs apply.

### 1.42.0 — 2026-08-12

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% p.a. bonus return with no cap.

T&Cs apply.

### 1.41.0 — 2026-07-29

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% p.a. bonus return with no cap.

T&Cs apply.

### 1.40.1 — 2026-07-16

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% p.a. bonus return with no cap.

T&Cs apply.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*