How to Use ASNB Ria Referral Code ZP3HXD (2026)
Takes ~15 minutes · Government-backed · Reward: RM20 bonus · Halal-certified · Min RM100 · Verified Apr 2026
ASNB Ria Referral Code — Quick Answer
ZP3HXD
Reward: RM20 bonus · Government-backed ASNB funds · Halal-certified · Min RM100
Download myASNB & Use Code ZP3HXD →Why ASNB Ria Stands Out
RM20 bonus on RM100
= 20% instant return
Government-backed
PNB / ASNB since 1981
Halal status
Certified by Majlis Agama Islam
Minimum investment
RM100
Step-by-Step: How to Use ASNB Ria Referral Code
- 1
Download the myASNB app
Download the official myASNB app from the App Store (iOS), Google Play (Android), or Huawei AppGallery. ASNB Ria is a feature within the myASNB app — it is not a separate app. Once downloaded, you'll see the Ria robo-advisor option in the main menu.
Tip: myASNB is the official app of Amanah Saham Nasional Berhad, a wholly-owned subsidiary of PNB (Permodalan Nasional Berhad) — Malaysia's national wealth fund. All ASNB-managed funds are government-backed and certified halal by Majlis Agama Islam.
- 2
Create your myASNB account
Register with your MyKad/NRIC number and mobile phone number. If you already have an existing ASNB account (e.g., an ASB account from a bank), you can link it to myASNB. Set up your account PIN for security.
Tip: Bumiputera Malaysians can access ASB (Amanah Saham Bumiputera) via myASNB — the highest-yield ASNB fund (historically ~5%+ dividend p.a.). Non-Bumiputera can invest in other ASNB funds like Amanah Saham Malaysia (ASM) and ASM 2 via the Ria robo-advisor.
- 3
Navigate to Ria robo-advisor and enter code ZP3HXD
In the myASNB app, tap on 'Ria' from the home screen. Ria is ASNB's automated investment feature that builds a diversified portfolio of ASNB unit trusts based on your risk profile. When prompted for a referral code, enter ZP3HXD.
Tip: Ria uses a risk assessment questionnaire to assign you a portfolio: Conservative (lower risk, stable funds), Balanced (mix of growth and income funds), or Growth (higher allocation to equity funds). Answer honestly — the portfolio is rebalanced automatically to your risk profile.
- 4
Set up your Ria portfolio and invest minimum RM100
Ria guides you through setting an investment goal, time horizon, and monthly savings plan. Make your first investment of at least RM100 via FPX online banking. Ria automatically allocates this across a diversified mix of ASNB funds.
Tip: Ria supports standing instruction — you can set a monthly auto-investment amount (e.g., RM100/month). This automates dollar-cost averaging into ASNB funds without needing to log in each time. Ideal for long-term wealth building.
- 5
Collect your RM20 bonus
After making your qualifying investment of RM100 or more with referral code ZP3HXD, the RM20 bonus is credited to your ASNB account. The bonus appears as additional units in your Ria portfolio.
Tip: ASNB unit trust dividends are declared annually (typically in September–November). Your RM20 bonus units also earn dividends — so the bonus compounds over time as part of your ASNB holdings.
FAQ
What is the ASNB Ria referral code?
The ASNB Ria referral code is ZP3HXD. Enter this code when setting up your Ria robo-advisor in the myASNB app. After investing a minimum of RM100, you receive a RM20 bonus credited as ASNB units.
Is ASNB Ria only for Bumiputera?
No. The Ria robo-advisor within myASNB is open to all Malaysian citizens regardless of ethnicity. Non-Bumiputera Malaysians can invest in ASNB funds such as Amanah Saham Malaysia (ASM), ASM 2 Wawasan, and ASM 3 Didik via Ria. ASB (Amanah Saham Bumiputera) is available exclusively to Bumiputera.
Is ASNB safe?
ASNB is one of Malaysia's most established and safest investment institutions. It is a wholly-owned subsidiary of PNB (Permodalan Nasional Berhad), a government-linked investment institution established in 1978. ASNB funds have consistently paid annual dividends for decades. ASNB is regulated by the Securities Commission Malaysia.
How does ASNB Ria compare to Wahed Invest?
Both are halal-certified robo-advisors. ASNB Ria (code ZP3HXD) invests exclusively in ASNB-managed government-backed unit trusts — the safest, most established halal funds in Malaysia, but with lower growth potential. Wahed Invest (code YINOOI1) invests in a globally diversified Shariah-compliant portfolio including sukuk and halal equities — higher growth potential but with more market exposure. Both give RM20 bonus for a RM100 minimum investment.
What is the minimum investment for ASNB Ria?
The minimum investment for ASNB Ria is RM100. With referral code ZP3HXD, you receive RM20 bonus after your first RM100 investment — effectively getting RM120 in ASNB units for RM100. The RM20 bonus is a 20% return on your minimum investment amount.