Bonus rate applies to first RM20,000 across all Save Pockets; balances above earn 2.05% p.a.
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (JomPAY / standing instruction) NOT REQUIRED
Insurance / investments via bank NOT REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
HOW THE RATE WORKS
Base rate 2.05% p.a. earned daily on Main Account and Save Pockets (no limits, no lock-ins). Bonus rate 1.95% p.a. (total 4.0% p.a.) on first RM20,000 of Save Pocket balances when qualifying: earn 5 stamps (max 1/day) via min RM10 spend with Ryt Card or JomPAY bill payment, unlocking a 30-day bonus period; repeat stamp card to renew. New users enjoy 4.0% p.a. for first 30 days after activation. Structure revised 18 June 2026 (previously 3.00% base + 1.00% bonus).
Ryt Bank official savings account page: 'Base 2.05% p.a. ... Plus Bonus +1.95% p.a. ... Total 4.0% p.a. Earned daily, applies for balances up to RM20,000 across all Save Pockets. The rest earns 2.05% p.a.'; stamp-card mechanics and new-user 30-day 4.0% offer; 'A member of PIDM. Protected by PIDM up to RM250,000 for each depositor.' PIDM membership per pidm.gov.my member list (YTL Digital Bank Berhad, known as Ryt Bank).
Verified 19 Oct 2026. Rates change — always confirm on the official site.