Fees and Limits

Updated Date: April 2026

Ryt Bank Savings Account

Items	Details
Minimum amount to perform credit transfer verification	RM 1
Minimum balance to maintain	Not Applicable

Fee Type	Details
Service Charge	RM 0
Account Closure	RM 0
E-Statement	RM 0
Dormant Account Charges	RM 0
Activation Of Dormant Account	RM 0

Payments & Transfers

Fee Type	Details
DuitNow Transfer	Waived
Transfer to Ryt Bank	Waived

Limits	Details
DuitNow and QR Transfers - Daily	RM 5,000 - default RM 50,000 - maximum
QR payments to merchants - Daily	RM 5,000 - default RM 10,000 - maximum
Bill payments - Daily	RM 5,000 - default RM 50,000 - maximum

Ryt Card

Fees and Charges	Frequency	Amount
Card issuance fee (Physical Card)	Per card	RM12
Card replacement fee (Physical Card)	Per card	RM12
Domestic cash withdrawal fee (via MEPS SAN)	Per transaction	RM1.00* (Waived for the first withdrawal in calendar month)
Overseas cash withdrawal fee	Per transaction	RM12.00
Foreign transaction fee	Per transaction	1.2% on the amount transacted in foreign currency. Visa's exchange rate applies.

*Fee is waived until 30 June 2026, or such other date determined at Ryt Bank's discretion.

Limits	Details
Card withdrawal - daily	RM3,000 – default RM10,000 – maximum
Payment for goods and services - daily	RM3,000 – default RM10,000 – maximum

Ryt PayLater

Tenure (months)	Effective Interest Rate (EIR) p.a.
1	0.00%*
3	26.80%
6	30.23%
9	31.32%
12	31.72%

*Applies only if all purchases of the current billing cycle is paid in one instalment before the due date.