
About RinggitPlus.com
We are your personal finance heroes
RinggitPlus.com is Malaysia's leading financial comparison website. Every day, we help you get more for your money, whether you're applying for a credit card, a personal loan, an insurance plan, a home loan for your dream house, and much more.
The RinggitPlus team are your go-to guys for impartial information on everything you need to make empowered decisions and save money on products and services you use every day. We make it easy to search for the right choices for your needs, and we translate the small print into language that’s simple to understand.
Want more? Learn about the best financial products and find tips and guides to make the most of the products you own. The RinggitPlus blog has all the ingredients to help you “Duit The Easy Way”.
RinggitPlus makes it easy for Malaysians to apply for a new financial product, thanks to in-house innovations such as XpressApply and our very own RinggitPlus chatbot. You can even apply for a new product on RinggitPlus via WhatsApp, no matter where you are! Projects like these cement our position as a fintech enabler.
Launched in 2013, RinggitPlus.com has gained a reputation for being the best place to apply for banking products online. In fact, 7 out of 10 Malaysians compare financial products on our site, while discovering many deals that can't be found anywhere else on the Internet (or even in banks and financial institutions)!
How did we get here?
Headquartered in Kuala Lumpur, RinggitPlus.com is one of several brands owned and operated by FinTech company Jirnexu Sdn Bhd (co. no. 1081989D). We made our start back in 2012 when the company's co-founders met and realised that they shared a mutual passion for giving individuals the financial advice and tools they needed to spend money wisely.
2012
Jirnexu was founded in Kuala Lumpur to bridge the gap in digital financial services and security
2013
RinggitPlus was launched as Malaysia’s first financial comparison platform to help users make informed financial decisions.
2014
Expanded operations to Indonesia as KreditGoGo, offering credit cards, loans, insurance, and more; however, operations ended in 2018.
2015
Introduced XpressApply, transforming Jirnexu into a full-fledged FinTech company. Successfully secured its first bank client in November.
2019
Launched the RinggitPlus Malaysian Financial Literacy Survey (RMFLS). Conducted yearly, we capture how Malaysians manage, save, invest and think about money.
2020 - 2023
Started RinggitPlus Advance, a fully digital financial planning service collaborating with CFPs. We covered cash flow and net-worth analysis, debt and liability management, among others. Operations ended in 2023 when the business was sold to Merchantrade.
2024
Acquired competitor financial services marketplace CompareHero Malaysia.
2025
7 out of 10 Malaysians compare financial services on RinggitPlus. In March, we introduced RinggitPlus in Bahasa Melayu! We will continue to innovate to help millions of customers manage their finances more wisely.
Why RinggitPlus?
At RinggitPlus, we make it effortless for Malaysians to apply for new financial products. With innovative solutions like XpressApply and our very own RinggitPlus chatbot, you can now complete your applications seamlessly, even through WhatsApp, wherever you are!
Initiatives like these strengthen our role as a fintech pioneer and reinforce our position as one of the leading voices in Bank Negara Malaysia's Fintech Regulatory Sandbox.
Don't Just Take Our Words For It

Our Leadership Team
Interviews with our CEO
Want to know more about the team behind RinggitPlus? Connect with us on LinkedIn to see what we're up to!






