Bill payments (JomPAY / standing instruction) REQUIRED
Insurance / investments via bank NOT REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
Minimum balanceRM30 initial deposit
HOW THE RATE WORKS
Base profit rate table published on official page (effective 11 July 2025): 0.20% p.a. (below RM2,000), 0.45% p.a. (RM2,000-RM50,000), 0.75% p.a. (above RM50,000). Tiered bonus rates from 0.20% p.a. up to 6.00% p.a. (Premier) earned via Mandatory Mission (monthly deposit) + up to 3 Eligible Missions (credit card spend, pay & reload, auto/property financing instalments), tiered by average daily balance and customer profile (Standard/Privilege/Premier).