Ryt Bank

RYT INVEST SHOPEE VOUCHER CAMPAIGN TERMS AND CONDITIONS

Effective Date: 10 November 2026

The Ryt Invest Shopee Voucher Campaign ("Campaign") is organised by YTL Digital Bank Berhad ("Ryt Bank / we / us / our") in collaboration with Shopee Mobile Malaysia Sdn. Bhd. ("Shopee").

By participating in this Campaign, you are deemed to have read, understood and accepted these Campaign terms and conditions ("Campaign Terms"). You may seek clarification from us by contacting us if you have any queries in respect of these Campaign Terms.

  1. Campaign Period

    10 November 2026, 4:00 PM to 15 January 2027, 11:59 PM.

  2. Eligibility

    1. This Campaign is open to all new and existing individual customers of Ryt Bank who:

      1. have an active Ryt Bank Account;

      2. have successfully completed the Ryt Invest onboarding process; and

      3. meet the applicable requirements to invest in any fund available through Ryt Invest,

      (collectively, the "Eligible Customers", and each, an "Eligible Customer").

    2. The following categories of individuals are not eligible to participate in this Campaign:

      1. customers whose Ryt Bank Account or access to Ryt Invest is terminated, closed, dormant, frozen, blocked, suspended, delinquent, or not in good standing during the Campaign Period; and

      2. customers who have breached or are suspected to have breached any of these Campaign Terms or any other terms and conditions applicable to the Ryt Bank Account or Ryt Invest.

    3. The Campaign is subject to a maximum allocation of Rewards determined by Ryt Bank ("Maximum Allocation"). Rewards will be awarded on a first-come, first-served basis. Once the Maximum Allocation has been fully utilised, no further Rewards will be awarded, even if they have otherwise satisfied the applicable requirements under these Campaign Terms and the Campaign Period has not ended.

  3. Campaign Reward and Mechanics

    1. To qualify for the Rewards, an Eligible Customer must invest in any fund available through Ryt Invest during the Campaign Period and have the relevant buy order or buy orders successfully processed ("Qualifying Investments").

    2. For the purposes of this Campaign, an Eligible Customer's "Net Inflow" means the aggregate amount of the Eligible Customer's Qualifying Investments during the Campaign Period, excluding any applicable sales charges, less the aggregate amount of all redemptions or withdrawals made by the Eligible Customer from Ryt Invest funds during the Campaign Period.

    3. Qualifying Investments may be accumulated across multiple investment transactions and across different funds available through Ryt Invest.

    4. The Qualifying Investments must be maintained in the relevant funds until the end of the Campaign Period. Any amount redeemed or withdrawn during the Campaign Period will reduce the Eligible Customer's Net Inflow accordingly.

    5. A buy order submitted on or before the end of the Campaign Period will be taken into account in determining the Eligible Customer's Net Inflow even if it is successfully processed after the Campaign Period, provided that the buy order is subsequently successfully processed and is not rejected, cancelled, reversed or otherwise unsuccessful.

    6. For the purposes of these Campaign Terms, "Successfully Processed" means that the relevant investment transaction has been completed, confirmed and reflected in the Eligible Customer's relevant fund account balance.

    7. Subject to these Campaign Terms and the Maximum Allocation, an Eligible Customer will be entitled to one (1) RM25 Shopee voucher for each complete RM1,000 of Net Inflow, up to five (5) vouchers. An Eligible Customer with a Net Inflow of at least RM5,000 will also be entitled to one (1) additional RM25 Shopee voucher (each, a "Reward" and collectively, the "Rewards").

    8. The number of Rewards an Eligible Customer may receive will be determined as follows:

      Net InflowNumber of RewardsTotal Reward value
      RM1,000 to RM1,999.991RM25
      RM2,000 to RM2,999.992RM50
      RM3,000 to RM3,999.993RM75
      RM4,000 to RM4,999.994RM100
      RM5,000 and above6RM150

    9. For the avoidance of doubt, only each complete RM1,000 of Net Inflow will be taken into account when determining the number of Rewards. For example, a Net Inflow of RM2,500 will qualify for two (2) Rewards.

    10. Each Eligible Customer is entitled to receive a maximum of six (6) Rewards under this Campaign, regardless of the number of Qualifying Investments made or the number of Shopee accounts held by the Eligible Customer.

    11. The Rewards will be issued to the Eligible Customer's verified email address registered with Ryt Bank, in the form of voucher codes. While we will endeavour to issue the voucher codes to Eligible Customers within fourteen (14) Business Days after the end of the Campaign Period, issuance may take longer in exceptional circumstances due to technical disruptions, electrical failures, data processing system failures or other failures beyond our reasonable control. We shall not be liable for any such delays, nor shall any compensation be payable in connection with such delays. Eligible Customers are responsible for retrieving the voucher codes from the email and utilising them by the expiry date stated on the relevant voucher.

    12. Eligible Customers must ensure that their email address registered with Ryt Bank is verified, accurate and accessible, and that their email account has sufficient storage capacity to receive the email containing the Rewards.

    13. We shall not be liable if an Eligible Customer does not receive or is unable to access any Reward due to the Eligible Customer's failure to verify or maintain an accurate and valid email address, insufficient email storage capacity, or any other circumstance beyond our reasonable control.

    14. Each Reward is non-refundable, non-transferable, not redeemable for cash, and cannot be combined or exchanged for a voucher of a higher value.

    15. Each Reward can only be used in a single checkout transaction. Any unused balance will be forfeited and will not be refunded.

    16. Each Reward is valid until its stated expiry date. The Reward will become invalid upon expiry and no extensions will be granted.

    17. Use of each Reward on the Shopee platform is subject to Shopee's terms and conditions, including the Shopee Voucher Terms available at https://help.shopee.com.my/portal/4/article/163108-Shopee-Voucher-Terms. Shopee may vary or amend its terms and conditions from time to time.

    18. Each Reward is not applicable for ShopeePay wallet top-ups, SPayLater bill payments or any Shopee Financial Services, and purchases of items from the following categories or sellers:

      1. Infant Milk (0–6 months);

      2. Follow-on Milk (6–12 months);

      3. Tickets & Vouchers;

      4. Jewellery;

      5. Mobile Reloads & SIM Cards;

      6. Gaming Top-ups;

      7. Selected Electronics Products;

      8. Selected New Launch Products;

      9. S-Mart Milo;

      10. Products from One or Not by Shopee Store, MMA Foundation Store or Shopeegivesback Store; and

      11. PETRONAS & Setel Fuel Cards, Gift Cards and E-Vouchers.

      Further information is available at https://help.shopee.com.my/portal/4/article/88289-[Promotions]-Why-are-promotions-not-applicable-for-products-from-certain-categories.

  4. General Disclosures

    1. This Campaign does not guarantee overall positive returns on investments or protect against market losses. The Reward is separate from and in addition to any investment returns or losses from the underlying Eligible Fund.

    2. This Campaign does not constitute investment advice or a recommendation to invest in any specific fund or amount. Eligible Customers should conduct their own due diligence and research before making investment decisions.

  5. Other Terms and Conditions

    1. These Campaign Terms are in addition to and must be read with our General Terms, Specific Terms (including the specific terms and conditions applicable to Ryt Invest), and any other relevant terms and conditions as we may impose from time to time with prior notice (each available on our website at https://rytbank.my/terms-and-conditions). In the event of any inconsistency, these Campaign Terms shall prevail to the extent of such inconsistency.

    2. Some capitalised terms used in this document have been defined in our General Terms or Specific Terms.

    3. We reserve the right to amend these Campaign Terms or terminate this Campaign at any time by giving you prior notice, via publication through any media, or any other mode as we may reasonably choose. Your continued participation after such notification means you have agreed to all such amendments. If you do not agree to the Campaign Terms (including any changes or amendments), you should immediately cease participation in this Campaign.

    4. The records of transactions maintained by us and our decision on all matters relating to this Campaign shall be final and conclusive, and binding on you for all purposes.

    5. We may, at our discretion and by giving notice to you, disqualify or reject you from participating in this Campaign if we have become suspicious of or aware of any fraudulent activity concerning your account.

    6. In the event of any inconsistency between these Campaign Terms and any advertising, promotional, publicity or other materials relating to or in connection with this Campaign, these Campaign Terms shall prevail to the extent of such inconsistency.

    7. We shall not be liable for any misinterpretation or misrepresentation of facts by any third party in respect of this Campaign offered and published in any media, marketing or advertising material.

    8. We shall not be liable if we are unable to perform in whole or in part any of our obligations under these Campaign Terms due to: (a) any act of God or any event beyond our reasonable control; or (b) technical failures of any kind, intervention, interruptions and/or electronic or human errors in the administration and/or processing of transactions performed via the Ryt Bank App.

    9. Subject to Applicable Laws, we, our officers, employees, representatives and/or agents (including, without limitation, any third-party service providers engaged by us for the purposes of this Campaign) will not be liable for any Loss you or any other person may suffer in connection with the Campaign, howsoever arising, whether direct or indirect and whether reasonably foreseeable or not, unless due to our gross negligence or wilful misconduct specifically related to this Campaign.

    10. We expressly exclude and disclaim any representations, warranties or endorsements, express or implied, written or oral, including, without limitation, those published in any mass media, marketing or advertising materials and any warranty of quality, merchantability or fitness for a particular purpose.

    11. These Campaign Terms are governed by the laws of Malaysia.