METHODOLOGY — HOW WE VERIFY

1. SOURCES

Every account and card row carries a source_url pointing at the official bank website page we read, and a source_detail naming the exact page or document. We do not use aggregator data as a source — aggregators are only used as leads to find the official page.

2. DATES

Every row carries a verified_at date. The site-wide "AS-OF" stamp in the header shows the most recent verification across the catalog. Data is re-verified on a weekly cycle; the verification wire on the homepage shows when each bank was last checked.

3. HONESTY RULES

• Never fabricate a rate. If the source does not state a number, we write "not disclosed".
• Fields that do not apply are marked "n/a" — a different meaning from "not disclosed".
• No premiums or quote-gated numbers are invented. If a bank quote-gates a rate, we say so.
• Superlatives are queries: every "best" ranking on this site is reproducible from the data and the calculator rules on this page.

4. PIDM / DEPOSIT INSURANCE

PIDM insures deposits up to RM250,000 per depositor per member bank. 25 of 31 tracked accounts are PIDM-insured; 6 are not.

Licensed digital banks (GXBank, Boost Bank, AEON Bank) are PIDM members. Cash-management platforms (Versa, KDI Save, StashAway Simple) are not — they invest in unit trusts and money-market funds, and are flagged "NOT INSURED" on every surface. The flag is verified per product against the PIDM member list, not assumed by bank type.

5. CALCULATOR RULES

Savings effective rate: base rate + one bonus tier per condition met (salary credit, card spend, bill payments (JomPAY / standing instruction), insurance/investments), capped at the published maximum bonus. If your balance exceeds the published cap, the excess earns the base rate only — the blended rate is shown.

Card net annual rewards: category rates applied to your category spend, 0.3% baseline on uncategorized spend, annual fee subtracted. Results are estimates — always verify with the bank before applying.

6. INDEPENDENCE

bank.subimpact.net is an independent property of subimpact.net. No paid placement, no lead-gen bait, no affiliate links at launch. We rank by your effective rate, not by who pays us. If monetization changes, a public conflicts register will be published first.