Best Digital Bank Referral Codes Malaysia 2026
All BNM-licensed digital banks ranked by referral reward value. Get up to RM225 free just for opening an account — no minimum balance required.
Verified Apr 2026 · Codes manually tested
Best Digital Bank Referral Codes Malaysia 2026 — Quick Answer
| # | Bank | Referral Code | Reward |
|---|---|---|---|
| #1 | GX Bank | OOIY691 | Up to RM225 |
| #2 | Ryt Bank | BRVRG | RM1 – RM99 per referral |
| #3 | ShopeePay | 22CKLWLLB | Up to RM100 Duit Raya |
| #4 | AEON Bank | AB572574 | RM5 referral bonus |
| #5 | Boost PayFlex | ooi6db3c | RM10 cashback |
Ranked: Best Digital Bank Referral Codes 2026
Up to RM225
OOIY691
Up to RM225 in cash — the highest referral payout of any Malaysian digital bank. Requires applying for FlexiCredit or Biz FlexiLoan to unlock full amount, but worth it if you need a credit facility anyway.
RM1 – RM99 per referral
BRVRG
Up to RM99 Duit Raya reward with no credit application needed. Just sign up, complete verification, and the reward is credited. Unlimited referrals during the campaign — best if you plan to refer friends too.
Up to RM100 Duit Raya
22CKLWLLB
Up to RM100 Duit Raya rewards for new ShopeePay wallet users. If you already shop on Shopee, activating ShopeePay is a no-brainer — same app, extra RM100.
RM5 referral bonus
AB572574
3.00% p.a. savings rate — one of the highest in Malaysia for digital banks. The RM5 referral bonus is small but the savings rate makes AEON Bank worth opening alongside your primary digital bank.
RM10 cashback
ooi6db3c
RM10 cashback after first RM100 purchase via Boost PayFlex. If you use Buy Now Pay Later, Boost is the e-wallet with the strongest referral offer in this category.
How We Ranked These
We ranked Malaysia's digital bank referral codes by total reward value, ease of claiming, and BNM licensing status. All banks listed are regulated by Bank Negara Malaysia. Codes are manually verified monthly — if a code expires or changes, we update this page within 30 days.
We may earn a commission when you sign up through our links. This does not affect our rankings — we rank by what's genuinely best for the reader, not by commission rate.
FAQ
Which digital bank in Malaysia has the best referral code in 2026?
GX Bank offers the highest referral reward at up to RM225 (code: OOIY691), making it the best for maximum cash reward. Ryt Bank (code: BRVRG) is the easiest to claim — up to RM99 with no credit application required. You can sign up for both and claim both rewards.
Are Malaysian digital banks safe?
Yes. All digital banks listed here are licensed by Bank Negara Malaysia (BNM) — the same regulator that governs traditional banks like Maybank and CIMB. Your deposits are protected under PIDM (Perbadanan Insurans Deposit Malaysia) up to RM250,000 per depositor.
Can I open multiple digital bank accounts in Malaysia?
Yes, there is no legal restriction on holding accounts with multiple digital banks in Malaysia. Many Malaysians use GX Bank for its credit facility, Ryt Bank for daily banking, and AEON Bank for savings — each serving a different purpose.
Do I need a minimum deposit to get the referral bonus?
Ryt Bank requires no minimum deposit — just complete account verification. GX Bank requires applying for FlexiCredit (RM100 bonus) or Biz FlexiLoan (RM125 bonus). AEON Bank credits RM5 upon successful account renewal. ShopeePay credits up to RM100 on first qualifying transaction.
How long does it take to receive the digital bank referral bonus?
Ryt Bank credits the Duit Raya reward within a few days of completing verification. GX Bank credits rewards after your FlexiCredit drawdown or Biz FlexiLoan disbursement. AEON Bank credits upon renewal. Always check the specific terms on each bank's page.