BASE RATE
0.25% p.a.
MAX RATE (ALL TIERS)
1% p.a.
BALANCE CAP
None
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (JomPAY / standing instruction) NOT REQUIRED
Insurance / investments via bank REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
Minimum balance RM1,000 initial deposit
HOW THE RATE WORKS
Split-tier base interest (wef 1 Aug 2026): 0.25% first RM1M, 0.50% RM1M-2M, 0.75% RM2M-3M, 1.50% above RM3M. Bonus interest up to 1.00% p.a. when investing (AUM-based), calculated on MAB and credited monthly.
SOURCE
https://www.hlb.com.my/en/personal-banking/deposits/current-account/top-yield-account.html
HLB official Top Yield Account product page - Savings Interest Rate (wef 01/08/2026) and Investment AUM bonus table
Verified 4 Sept 2026. Rates change — always confirm on the official site.