KAF Digital Bank · Malaysia · Verified 19 Oct 2026
BASE RATE
3% p.a.
MAX RATE (ALL TIERS)
5% p.a.
BALANCE CAP
5.00% p.a. tier applies to first RM2,000; RM2,001 and above earns 3.00% p.a.
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (JomPAY / standing instruction) NOT REQUIRED
Insurance / investments via bank NOT REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
HOW THE RATE WORKS
Islamic digital bank (Shariah-compliant). Savings Account-i pays discretionary weekly hibah (gift): historical hibah for Akaun Simpanan-i Basic Plus shows 5.00% p.a. on the first RM2,000 and 3.00% p.a. on RM2,001 and above for every week from 23 Jun 2026 to 1 Sep 2026. Hibah is discretionary and historical rates are not indicative of future rates (per official disclaimer). PIDM-protected up to RM250,000 per depositor per official page.
KAF Digital Bank official product page (BM): 'Sejarah Hibah Akaun Simpanan-i Basic Plus' table shows 5.00% (first RM2,000) / 3.00% (RM2,001+) weekly from 23/06-31/06 through 01/09/2026; disclaimer that historical hibah is not indicative; 'Akaun simpanan KAF Digital Bank dilindungi oleh PIDM sehingga RM250,000 untuk setiap pendeposit'. PIDM membership per pidm.gov.my member list (KAF Digital Bank Berhad, licensed Islamic digital bank).
Verified 19 Oct 2026. Rates change — always confirm on the official site.