Is the RHB Smart Account/-i PIDM-insured?

Yes. The RHB Smart Account/-i is PIDM-insured up to RM250,000 per depositor per member bank.

RHB Smart Account/-i

Q: What is the interest rate on the RHB Smart Account/-i?

The RHB Smart Account/-i pays a base rate of Not disclosed, up to 6.6% p.a. with bonus tiers. Smart Rewards (default Bonus Rates option): must maintain min MAB RM1,000 and deposit min RM2,000/month (SAVE). Bonus rates tiered by balance band (0.30%-1.60% p.a.) with +0.20% p.a. for incremental balance >=RM1,000, plus PAY (3 bills), SPEND, INVEST and Joy@Work pillars; FAQ states max Bonus Rates up to 6.60% p.a. (or 20,000 loyalty points). Rates wef 1 Jan 2026. Verified 26 Oct 2026 against the official RHB Bank website.

RHB Bank · Malaysia · Verified 26 Oct 2026

BASE RATE

Not disclosed

MAX RATE (ALL TIERS)

6.6% p.a.

BALANCE CAP

RM100,000 (top bonus tier is RM50,000-RM100,000 balance band)

■ BONUS TIER REQUIREMENTS

Salary credit NOT REQUIRED

Card spend REQUIRED

Bill payments (JomPAY / standing instruction) REQUIRED — 3 bills

Insurance / investments via bank REQUIRED

PIDM insured YES — RM250,000 per depositor per member bank

Minimum balance RM1,000 initial deposit; min MAB RM1,000

HOW THE RATE WORKS

Smart Rewards (default Bonus Rates option): must maintain min MAB RM1,000 and deposit min RM2,000/month (SAVE). Bonus rates tiered by balance band (0.30%-1.60% p.a.) with +0.20% p.a. for incremental balance >=RM1,000, plus PAY (3 bills), SPEND, INVEST and Joy@Work pillars; FAQ states max Bonus Rates up to 6.60% p.a. (or 20,000 loyalty points). Rates wef 1 Jan 2026.

SOURCE

https://www.rhbgroup.com/personal/deposits/current-account/smart-account/index.html

RHB official Smart Account product page + FAQ (max 6.60% p.a. bonus rates; SAVE/PAY/SPEND requirements; bonus rate table 0.30%-1.60% + 0.20% incremental)

Verified 26 Oct 2026. Rates change — always confirm on the official site.