Ryt Bank has launched Ryt Invest, an in-app investment feature that gives customers access to professionally managed, shariah-compliant funds starting from RM1. Ryt Invest allows customers to invest directly within the same app used for savings, payments, and daily banking transactions, without needing a separate investment platform or account verification process.

Three Fund Options To Choose From 

Ryt Invest currently offers three funds with different investment objectives.

Ryt Invest SavePlus is designed for those looking for lower-risk, shariah-compliant investments focused on more stable returns. Ryt Invest Income focuses on long-term income generation through diversified investments. Ryt Invest Gold provides exposure to gold-related assets. 

All three funds are shariah-compliant and managed by OpusAM, which has more than 20 years of experience in fixed-income fund management and oversees approximately RM9.3 billion in assets under management as of June 2025.

While Ryt Invest does not charge sales fees, the underlying funds still carry annual management and operational fees disclosed in each fund’s product documents.  

Launch Bonus Offers Extra 1% Per Annum

To mark the launch, Ryt Bank is offering an additional 1% per annum bonus reward on total investment value, with no cap. The bonus is calculated daily based on total assets under management and credited weekly into your Ryt Pocket.

You qualify after completing your first successful buy order, which activates a rolling 90-day bonus period. The campaign runs from 28 May 2026 to 31 August 2026, with enrolment closing on 31 August 2026. You may also be required to complete a risk profiling or suitability assessment before investing.

According to Ryt Bank’s FAQ, redemption proceeds are generally credited within a few business days, depending on the fund and processing timelines. You can also make partial redemptions instead of withdrawing your entire investment balance. Transactions submitted after the daily cut-off time may be processed on the next business day.

Remember that investment products differ from savings deposits. Funds held in a Ryt Save Pocket are protected by Perbadanan Insurans Deposit Malaysia (PIDM) for up to RM250,000 per depositor. Investment funds offered through Ryt Invest are not protected by PIDM, and returns are not guaranteed.  

Ryt Bank Expands Beyond Savings and Payments

Since launching in August 2025, Ryt Bank says it has grown to more than 1.2 million customers while expanding beyond savings and payments into credit products such as Ryt PayLater. Ryt Invest is the bank’s latest addition to its product lineup.

The platform’s RM1 minimum investment and zero sales charges lower the entry barrier for first-time investors. If you’re thinking of investing for the first time, make sure you understand the different fund types, fees, and risks.