Best Banking & Finance Referral Codes Malaysia 2026
9 verified codes · Updated & verified monthly · Free to use
Top Banking & Finance Referral Codes 2026
Malaysia now has 5 licensed digital banks — GX Bank, Ryt Bank, AEON Bank and more — all competing hard for new customers with generous referral bonuses. Unlike traditional banks, these apps require no minimum balance, offer instant account opening, and reward you just for signing up. Referral codes for Malaysian banking and finance apps are some of the most valuable on this list: GX Bank gives up to RM225, Ryt Bank gives up to RM99 in Duit Raya rewards, and ShopeePay gives up to RM100. All you need to do is enter the code during registration.
All Banking & Finance Referral Codes
Malaysia's digital bank — earn RM1 to RM99 per referral, unlimited times
Malaysia's digital bank — up to RM225 rewards + credit limit up to RM150,000
ShopeePay e-wallet Malaysia — referral code for up to RM100 Duit Raya rewards
Malaysia's fastest car insurance comparison platform
Malaysia's e-wallet with Buy Now Pay Later — earn RM10 cashback
Send money overseas from Malaysia with zero fees on your first transfer
Send money overseas from Malaysia at the real exchange rate — first transfer free
3.00% p.a. savings rate — one of the best in Malaysia
Malaysia's #1 e-wallet for payments, toll & more
Frequently Asked Questions
Which digital bank in Malaysia has the best referral code?
As of 2026, GX Bank offers the highest referral reward at up to RM225 (RM100 for FlexiCredit + RM125 for Biz FlexiLoan). Ryt Bank gives up to RM99 in randomized Duit Raya rewards per referral, with unlimited referrals during the campaign.
Can I use multiple banking referral codes in Malaysia?
Yes — each referral code is specific to one app. You can sign up for GX Bank, Ryt Bank, AEON Bank, and TNG eWallet separately and claim rewards from each. There is no limit to how many apps you can join.
Is it safe to use referral codes for Malaysian digital banks?
Yes. All digital banks listed on ReferralCodeMY are licensed by Bank Negara Malaysia (BNM). Referral codes are official programs run by the banks themselves — entering a code during signup is completely safe.
Do I need to deposit money to get the banking referral bonus?
It depends on the bank. Some bonuses (like Ryt Bank's Duit Raya reward) require completing account verification only. Others like GX Bank's RM225 require applying for a FlexiCredit product. Always check the specific terms on each brand page.
What is the GX Bank referral code?
The GX Bank referral code is OOIY691. Enter this during sign-up to be eligible for up to RM225 in rewards when you apply for GX Bank's FlexiCredit or Biz FlexiLoan products.