BASE RATE
0.15% p.a.
MAX RATE (ALL TIERS)
6.1% p.a.
BALANCE CAP
None
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend REQUIRED — min RM1000/mo
Bill payments (JomPAY / standing instruction) REQUIRED
Insurance / investments via bank REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
Minimum balance RM20 initial deposit
HOW THE RATE WORKS
Base 0.15% p.a. (all balances) + Deposit bonus +1.30% (min RM3,000 single deposit monthly) + Spend/Pay +0.80% (3 transactions min RM1,000 or loan repayments) + Invest/Insure up to +4.00% = up to 6.25% p.a. total, earned monthly on MAB.
SOURCE
https://www.ambank.com.my/deposit/saving-accounts/true-savers-account
AmBank official TRUE Savers product page - 'How to earn up to 6.25% Bonus Rate' steps and FAQ base rate table (0.15%)
Verified 4 Sept 2026. Rates change — always confirm on the official site.