GX Bank vs Ryt Bank Referral Code Malaysia 2026
Updated Apr 2026 · Both codes verified active
Quick Comparison
Ryt Bank
Banking & Finance
BRVRG
RM1 – RM99 per referral
Apr 2026
GX Bank vs Ryt Bank — Feature Comparison
| GX Bank | Ryt Bank | |
|---|---|---|
| Referral Code | OOIY691 | BRVRG |
| Reward | Up to RM225 | RM1 – RM99 per referral |
| Category | Banking & Finance | Banking & Finance |
| Verified | Apr 2026 | Apr 2026 |
GX Bank vs Ryt Bank — Overview
Malaysia's two most-buzzed digital banks both launched their referral programs in 2025–2026, offering some of the highest sign-up bonuses in the country. GX Bank (backed by Grab and KFH Malaysia) offers up to RM225 via code OOIY691. Ryt Bank offers up to RM99 in Duit Raya rewards via code BRVRG. Both are BNM-licensed digital banks with no minimum balance, instant account opening, and full app-based banking. The key difference is in how you earn: GX Bank's larger reward requires a credit product application, while Ryt Bank rewards you simply for signing up.
Our Verdict
GX Bank wins on total reward value (up to RM225 vs RM99), but requires applying for a credit product to unlock the full bonus. Ryt Bank is easier — you get rewarded just for signing up and completing onboarding, with no credit application needed. For most users who want the simplest free cash, use Ryt Bank first. If you're open to applying for a FlexiCredit line, add GX Bank for the larger payout.
Choose GX Bank if:
if you want the highest total reward and are comfortable applying for a FlexiCredit or Biz FlexiLoan product.
Choose Ryt Bank if:
if you want the fastest, simplest payout with no credit application required.
FAQ — GX Bank vs Ryt Bank
Can I sign up for both GX Bank and Ryt Bank?
Yes. There is no restriction on holding accounts with multiple digital banks in Malaysia. You can sign up for both GX Bank (code OOIY691) and Ryt Bank (code BRVRG) and claim both referral rewards separately.
Which digital bank has a higher savings rate — GX Bank or Ryt Bank?
Both offer competitive savings rates compared to traditional banks. Check each bank's current savings rate in their respective apps as rates change regularly. AEON Bank currently advertises 3.00% p.a. as a benchmark.
Is GX Bank Shariah-compliant?
GX Bank is backed by KFH Malaysia (Kuwait Finance House), which is an Islamic bank. GX Bank offers both conventional and Islamic banking products. Ryt Bank is a conventional digital bank.
What is the GX Bank referral code?
The GX Bank referral code is OOIY691. Enter this when signing up to be eligible for up to RM225 in rewards via FlexiCredit or Biz FlexiLoan.
What is the Ryt Bank referral code?
The Ryt Bank referral code is BRVRG. Enter this when signing up to receive a randomized Duit Raya reward between RM1–RM99 upon completing account verification.