Public Bank Referral Code Malaysia 2026

As of April 2026, Public Bank (PBB) does not have a public referral code programme for new account sign-ups. Public Bank is one of Malaysia's most profitable banks with over 9 million customers. Like other established banks, it does not use referral bonuses as a customer acquisition strategy.

PB engage is Public Bank's lifestyle and rewards platform. As of 2026, PB engage does not offer a public referral code that gives new users a guaranteed signup bonus. It has a loyalty points system for existing customers, but this is not a referral programme comparable to GX Bank or Ryt Bank.

GX Bank (code OOIY691) gives up to RM225 — the highest referral bonus of any Malaysian bank. Ryt Bank (code BRVRG) gives up to RM99 Duit Raya with no minimum deposit. Both are BNM-licensed digital banks you can open separately from your existing Public Bank account.

Public Bank is Malaysia's most profitable bank by ROE and has 9 million+ customers built up since 1966. It doesn't need to pay for new customer acquisition — its reputation, mortgage portfolio, and branch network generate organic growth. Digital banks offer referral bonuses precisely because they're new and need to compete against established players like Public Bank.

Public Bank's standard savings account offers around 0.5%–1% p.a. For significantly better rates: AEON Bank offers 3.00% p.a. (code AB572574), GX Bank's savings account offers competitive rates. These digital banks are also BNM-licensed and PIDM-protected up to RM250,000 — same protection as Public Bank.