Ryt Bank has opened the in-app waitlist for Ryt Invest, its upcoming investment feature, with early access perks for users who sign up ahead of launch.
The digital bank is offering potential returns of 5% p.a., along with a guaranteed extra 1% p.a. bonus reward for the first 20,000 users on the waitlist, with no cap.
This brings the potential return to up to 6% p.a., subject to terms and conditions.
The Ryt Invest preview shows three investment options: SavePlus (Shariah), Income and Gold.
The campaign material lists returns of 5.00% p.a. for SavePlus, 15.97% p.a. for Income and 33.34% p.a. for Gold, with an extra 1.00% p.a. bonus shown for each option.
The returns shown are based on actual and simulated 2025 data, and are for illustration only.
The announcement marks the next step in Ryt Bank’s product rollout as it expands beyond payments, savings and short-term credit into investment services.
Ryt Bank has grown to 1.2 million users since its August 2025 launch.
The bank has processed more than 25 million transactions so far, with monthly transaction volumes rising more than 35 times since launch.
The bank had earlier indicated that it was preparing to launch Ryt Invest as a wealth product integrated into its app.
Ryt Bank currently offers features such as Ryt AI, bill payments, card payments and Ryt PayLater.
Its PayLater feature is available across DuitNow QR and Visa payment networks, with eligible users able to access up to RM1,499 in instant credit.
