BASE RATE
0.2% p.a.
MAX RATE (ALL TIERS)
2.2% p.a.
BALANCE CAP
None
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend REQUIRED — min RM500/mo
Bill payments (JomPAY / standing instruction) REQUIRED
Insurance / investments via bank REQUIRED
PIDM insured YES — RM250,000 per depositor per member bank
HOW THE RATE WORKS
Base 0.10% (first RM5,000) / 0.20% (thereafter, eff 8 Aug 2024). Bonus: Save +1.00% (min incremental MAB RM5,000), Invest +0.60% (RM8,000 unit trust/bancassurance/gold), Pay +0.30% (RM500 bills online), Spend +0.30% (RM500 debit card) = up to 2.20% p.a. total.
SOURCE
https://www.pbebank.com/en/banking/savings-account/moneyplus-savings-account
Public Bank official MoneyPLUS product page (bonus table, wef 1 Nov 2025 / 1 Mar 2025) + official savings/current interest rates page (base rates, eff 8 Aug 2024)
Verified 4 Sept 2026. Rates change — always confirm on the official site.