GXBank · Malaysia guide
What Is GXBank?
GXBank is a Malaysian digital bank operated by GX Bank Berhad. Its app brings together savings and payment services, while FlexiCredit and Biz FlexiLoan are separate borrowing products with their own approval and repayment requirements.
Key facts
- Brand
- GXBank (also searched as GX Bank)
- Legal entity
- GX Bank Berhad
- Country
- Malaysia
- Publisher
- MyReferralPromoCode
- Regulator
- Bank Negara Malaysia
- Deposit insurance membership
- PIDM member; check the official insured-deposits list for coverage
A bank accessed through its app
GXBank is a bank rather than a referral-rewards service. GX Bank Berhad holds a digital banking licence from Bank Negara Malaysia. GXBank identifies itself as a member of PIDM; that does not mean every product or transaction is an insured deposit.
The official site lists a savings account, savings pockets, a debit card and personal and business banking services. Check the relevant product page for current fees, rates and eligibility before choosing an account.
Savings and borrowing serve different purposes
A savings account holds money you deposit. Savings pockets help organise that money. FlexiCredit is a personal credit product; Biz FlexiLoan is a business credit product. A drawdown means taking money from an approved credit limit, which creates a repayment obligation.
Opening a GX savings account does not itself complete a FlexiCredit or Biz FlexiLoan referral. Credit approval, activation and the relevant drawdown conditions are separate steps. A referral reward should not be treated as a reason to borrow money you do not need.
Examples
Illustrative savings example: you open an account to set aside money for household expenses. You have not borrowed through FlexiCredit, so account opening alone does not earn the credit referral reward.
Illustrative borrowing example: you consider an eligible credit product for a planned expense. Compare interest, fees and repayments first; any referral reward remains conditional on the bank approving the application and all campaign requirements being met.
MyReferralPromoCode verification
MyReferralPromoCode reviewed owner-supplied GXBank app screenshots captured on 8 October 2026. The referral screen displays LIMK885, the personal and business reward conditions, and RM1,184 in accumulated referral earnings.
We checked the official campaign listing and referral FAQs on 8 October 2026. This verifies the displayed code and published conditions; it is not a completed new-user application or a test of reward payment. The screenshot does not identify individual reward transactions.
The app campaign screenshot captured on 8 October 2026 shows a combined 31 December 2026 banner. The official campaign listing gives 30 November 2026 for Biz FlexiLoan and 31 December 2026 for FlexiCredit. We report the product-specific listing dates and flag the difference; the screenshot does not establish a December business deadline. Confirm the current terms in the app before applying.
Official sources
Official campaign listing, referral FAQs and bank information reviewed on 8 October 2026. The campaign listing gives the extended product-specific deadlines; the linked FAQs still show September deadlines and are used for the qualifying mechanics. Owner-supplied screenshots were captured on 8 October 2026. The app campaign screenshot captured on 8 October 2026 shows a combined 31 December 2026 banner. The official campaign listing gives 30 November 2026 for Biz FlexiLoan and 31 December 2026 for FlexiCredit. We report the product-specific listing dates and flag the difference; the screenshot does not establish a December business deadline. Confirm the current terms in the app before applying.
Related referral offer
The personal offer is RM100. A separate Biz FlexiLoan campaign offers RM125 to qualifying business applicants. Up to RM225 is the combined maximum across these two campaigns, each with its own eligibility and borrowing requirements.
GXBank referral code LIMK885: eligibility, instructions and current offer
I can also receive RM100 when your FlexiCredit referral qualifies. This is an independent MyReferralPromoCode guide; GXBank decides eligibility, approval and reward payment.
FAQ
Are GX Bank and GXBank the same brand?
Yes. GXBank is the brand used by GX Bank Berhad in Malaysia. GX Bank is a common spaced spelling used in searches.
Is GXBank a bank or an e-wallet?
GXBank is a Malaysian digital bank. Its official company information states that GX Bank Berhad holds a digital bank licence from Bank Negara Malaysia and is a PIDM member.
Do I need to borrow to use a savings account?
Savings and credit are distinct products. The credit referral offer requires qualifying borrowing steps; simply opening a savings account does not satisfy those referral conditions.