Ryt Bank CNY 2026: Unlimited Angpows, 4% Daily Interest, and AI ‘Huat’ Features Explained

TL;DR: Ryt Bank’s CNY 2026 campaign lets you earn unlimited digital Angpows worth up to RM88 per successful referral, while keeping its headline 4% p.a. savings rate paid daily on eligible balances until 30 June 2026. It also adds an AI-powered “What’s My Huat” zodiac reading and limited-edition holographic Angpows for Ryt Card users.

Why This CNY Promo Matters for Malaysian Savers

Festive campaigns from banks usually focus on one-off cash giveaways or lucky draws, but many don’t move the needle on your long-term savings returns. Ryt Bank is trying to do both: use Chinese New Year to drive referrals, while keeping a relatively high savings rate live into mid‑2026.

For Malaysians comparing digital banks, understanding how this unlimited Angpow structure and 4% p.a. interest actually work is key before you move your emergency fund or invite friends to sign up.

How Ryt Bank’s Unlimited Digital Angpows Work

At the centre of the campaign is a referral-based digital Angpow system that rewards both the existing user and the new customer.

• When you share your referral and a friend successfully signs up and activates their Ryt Bank account, both of you receive a digital Angpow of up to RM88.
• The rewards are randomised, so not every Angpow will be RM88, the amount can be lower depending on the bank’s campaign mechanics.
• There is no stated cap on the number of successful referrals, so in theory you can collect multiple Angpows if many friends complete sign-up.
• The Angpows are funded by Ryt Bank as a promo, not deducted from your own balance.

Extended 4% p.a. Daily Interest: The Real Long-Term Benefit

Beyond festive graphics, the big financial hook is that Ryt Bank is extending its bonus interest campaign—up to 4% p.a. paid daily—until 30 June 2026.

The main advantage here is flexibility: interest is calculated daily and there’s no lock‑in period, so you can still access your money instantly—unlike fixed deposits.

AI “What’s My Huat” Zodiac Reading

To lean into the Year of the Horse theme, Ryt Bank added an in‑app AI feature called “What’s My Huat”, powered by its Ryt AI assistant.

• Accessible via the AI chat in the app—either by selecting the pre‑set prompt or typing “What’s my Huat”.
• Generates a personalised fortune-style reading and a shareable festive card.
• Acts more as an engagement tool and branding for Ryt Bank’s AI ecosystem rather than a financial product.

For users, this doesn’t change your returns, but it does show how digital banks are using in‑app AI to create a stickier, more “fun” experience around otherwise standard banking tasks.

Offline Twist: Limited Edition Holographic Angpows

The campaign also spills into the physical world with limited edition holographic Ryt Angpows at Lot 10 in Kuala Lumpur.

• Spend at least RM50 in a single receipt with your Ryt Card at participating Lot 10 merchants to qualify.
• Redeem the holographic Angpows at the designated booth by showing your Ryt Card and same‑day receipt.
• Redemption is while stocks last, so treat this as a nice bonus, not a guaranteed reward.

This kind of offline tie-in helps the bank push card usage and visibility in a high‑traffic mall, while giving users something collectible to go with their digital Angpows.

Is Ryt Bank’s CNY 2026 Promo Worth It?

Who might benefit

• Savers parking up to RM20k: The 4% p.a. rate on eligible balances is competitive versus many traditional savings accounts, especially with daily crediting and no lock‑in.
• Social / referral‑friendly users: If you have friends keen to try a new digital bank, the unlimited Angpow mechanic can stack multiple small rewards over the festive period.
• Tech‑curious users: Anyone who wants to experiment with AI‑assisted banking (Ryt AI, AI payments, fortune features) in a regulated environment.

What to watch out for

• Promo vs. permanent rate: The 4% p.a. extension currently runs until 30 June 2026—after that, rates and conditions may change.
• Balance caps: Past campaigns capped bonus interest at the first RM20,000 only, so larger balances may not earn 4% on the full amount.
• Activity requirements: You may need ongoing card spend or transactions to keep the 4% active; if you stop, returns drop back to base.
• Randomised Angpow values: “Up to RM88” means most rewards may be smaller, so manage expectations.

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