RHB Joy@Work Salary Account

Highlights

Grow Your Savings

Awesome returns of up to 3.35% p.a. on the salary account¹
Enjoy exclusive conversion rates with a Multi Currency Account/-i and annual fee waiver on the Multi Currency Account VISA Debit Card/-i²
Additional 0.10% p.a. on top of the RHB board rate for a tenure of 1 to 12 months.
Attractive returns on your RHB Junior Saving Account/RHB Children Account-I potentially as high as a one-month Term Deposit³

Build your wealth

Exclusive RHB Premier privileges with a minimum gross salary of RM20,000⁴
Exclusive wealth management solutions by a dedicated Relationship Manager, special offers for Private Retirement Scheme (PRS) and Unit Trusts⁵
Discounted packages/rebates for Will/Wasiat Writing, Life Insurance Plans⁶ and much more

Finance your assets

0% interest/actual management fee on RHB CashXcess for new RHB Credit Card/-i cardholders9
Interest rate/actual management fee as low as 13.50% p.a. on Credit Card/-i outstanding balance¹⁰
Attractive rates on Personal Financing/-i and Vehicle Financing-i

Enjoy Other Privileges

Annual fee waiver on Credit Card/-i⁷ and Debit Card/-i⁸
Seamless online account opening that enables faster processing
Priority processing and approval for any application
24/7 online banking services with over 1,800 self-service terminals Seamless account opening.
Protection and rewards with General Insurance⁶

Grow Your Savings

Awesome returns of up to 3.35% p.a. on the salary account¹
Enjoy exclusive conversion rates with a Multi Currency Account/-i and annual fee waiver on the Multi Currency Account VISA Debit Card/-i²
Additional 0.10% p.a. on top of the RHB board rate for a tenure of 1 to 12 months.
Attractive returns on your RHB Junior Saving Account/RHB Children Account-I potentially as high as a one-month Term Deposit³

Build your wealth

Exclusive RHB Premier privileges with a minimum gross salary of RM20,000⁴
Exclusive wealth management solutions by a dedicated Relationship Manager, special offers for Private Retirement Scheme (PRS) and Unit Trusts⁵
Discounted packages/rebates for Will/Wasiat Writing, Life Insurance Plans⁶ and much more

Finance your assets

0% interest/actual management fee on RHB CashXcess for new RHB Credit Card/-i cardholders9
Interest rate/actual management fee as low as 13.50% p.a. on Credit Card/-i outstanding balance¹⁰
Attractive rates on Personal Financing/-i and Vehicle Financing-i

Enjoy Other Privileges

Annual fee waiver on Credit Card/-i⁷ and Debit Card/-i⁸
Seamless online account opening that enables faster processing
Priority processing and approval for any application
24/7 online banking services with over 1,800 self-service terminals Seamless account opening.
Protection and rewards with General Insurance⁶

Terms and conditions apply.

¹Based on transactions performed. Offer is valid from 1 Jan 2024 – 31 December 2024. For full Terms & Conditions, visit here.

²The annual fee waiver for RHB Multi Currency VISA Debit Card/-i is subject to a minimum of 6 retail transactions in a year.

³Personal Banking Standard Terms & Conditions apply. 1-month Term Deposit rates with no maximum placement is only eligible for RHB Premier Customers with children aged below 18 years old who open account for RHB Junior Savings Account and/or RHB Children Account-i. Initial deposit for RHB Junior Savings Account is RM1 and initial deposit for RHB Children Account-i is RM20. Returns is as high as 1-month Term Deposit board rate. RHB Junior Savings account interest is calculated daily and credited half-yearly and RHB Children Account-i profit is calculated daily and credited monthly.

⁴Waiver of Asset Under Management (“AUM”) requirement for the 1st year and fulfill RHB Premier requirements in the 2nd year to maintain their accounts as RHB Premier Joy@Work customers..

⁵Unit Trust and Private Retirement Scheme offers are only valid for one time subscription only for each RHB Joy@Work Premier customer. Unit Trust Offer applies to all UT funds except for Closed-Ended funds. For full Terms & Conditions, visit here.

⁶The information contained herein are strictly meant to be as general information and reference for the campaign promotion only. It does not constitute as a contract of insurance. For further details on the benefits, exclusion and terms and conditions of the product, please refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet (PDS) and policy contract. The proposer should also ensure that the plan selected satisfies and best serves his/her needs and its premium payable is an amount within his/her affordability. Discounted packages/rebates for Life insurance and general insurance stated is only applicable to conventional product only.

⁷The annual fee waiver for RHB Visa Infinite Credit Card, RHB Visa Signature Credit Card and RHB World MasterCard Credit Card/-i will be waived for first 3 years while other credit cards/-i is subject to a minimum of 12x swipes in a year.

⁸Debit cards/-i annual fee waiver is subject to minimum of 6 retail transactions in a year.

⁹Applicable for new RHB Credit Card/-i cardholders only. Offer is valid from 1 July 2024 – 31 December 2024. For full Terms & Conditions, visit here.

¹⁰Applicable for the first 5 years only upon Credit Card/-i approved.

Self-Enrolment
Enrolment via Company

Any individual who is not an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who holds one CASA-i account with RHB as their payroll account

(except Qard CASA-i product)

Any Private and NGO employees:

minimum RM2,500 deposit each month.

Any Government employees:

minimum RM2,000 deposit each month

Any individual who is not an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who holds one CASA-i account with RHB as their payroll account

(except Qard CASA-i product)

Any Private and NGO employees:

minimum RM2,500 deposit each month.

Any Government employees:

minimum RM2,000 deposit each month

Any individual who is an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Find Out More

Any individual who is an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Find Out More

Choose your preferred account type.

Enjoy Zero Initial Deposit for RHB Joy@Work Customer

Islamic

RHB Smart Account-i

An online Shariah-compliant account that offers high returns for every transaction.

Initial deposit

RM1,000

Rates

Up to

2.85%p.a.

Islamic

RHB Premier Current Account-i

Embrace preferential rates and perks with a Shariah-compliant current account.

Initial deposit

RM1,000

Rates

Up to

2.50% p.a.

Conventional

RHB MaxSave Account

Stay safe and keep your money secure with this online banking experience.

Initial deposit

RM200

Rates

Up to

1.00%p.a.

Compare

Step 1

Walk into any of your preferred RHB branches. Take one of the following documents with you:

Latest monthly salary slip
Employment letter

Locate Your Nearest RHB Branches

Step 2

Open any participating account, collect your debit card, and register for RHB Online Banking.

Step 3

Fill in and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.

Download Letter to Employer

Step 1

Walk into any of your preferred RHB branches. Take one of the following documents with you:

Latest monthly salary slip
Employment letter

Locate Your Nearest RHB Branches

Step 2

Open any participating account, collect your debit card, and register for RHB Online Banking.

Step 3

Fill in and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.

Download Letter to Employer

Notes:
Please refer to Terms and Conditions for the list of participating accounts.

Step 1

Click here to apply for your Joy@Work account.

Step 2

After submit your application, all you need to do is activate your RHB Joy@Work account by uploading your payslip or employment letter for validation - it's that simple!

Step 3

Download and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.

Download Letter to Employer

Step 1

Click here to apply for your Joy@Work account.

Step 2

After submit your application, all you need to do is activate your RHB Joy@Work account by uploading your payslip or employment letter for validation - it's that simple!

Step 3

Download and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.

Download Letter to Employer

Notes:
Please refer to Terms and Conditions for the list of participating accounts.

RHB Joy@Work

RHB Joy@Work

Highlights

Grow Your Savings

Build your wealth

Finance your assets

Enjoy Other Privileges

Grow Your Savings

Build your wealth

Finance your assets

Enjoy Other Privileges

Eligibility

Any individual who is not an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who holds one CASA-i account with RHB as their payroll account

Any Private and NGO employees:

Any Government employees:

Any individual who is not an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who holds one CASA-i account with RHB as their payroll account

Any Private and NGO employees:

Any Government employees:

Any individual who is an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who is an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Choose your preferred account type.

Enjoy Zero Initial Deposit for RHB Joy@Work Customer

RHB Smart Account-i

RHB Premier Current Account-i

RHB MaxSave Account

How to enrol for RHB Joy@Work

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Service Charges

Protected by PIDM

Service Charges

Protected by PIDM

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