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Current Account

RHB Smart Account-i

A Shariah-compliant account that rewards you with attractive bonus rates based on the banking transactions that you perform.
Apply Now

Highlights and Benefits

Shariah Compliance

Shariah Compliance

A specially designed current account based on the concept of Commodity Murabahah via the Tawarruq Arrangement.
Rates

Rates

Enjoy profit of 1.65% p.a. or more when you Save, Pay, Spend, or Invest.
Online Account Opening

Online Account Opening

Easily open your account anywhere, anytime.

RHB Debit Card-i

RHB Debit Card-i

Go cashless and enjoy exclusive benefits with RHB Debit Card-i.
RHB Online Banking

RHB Online Banking

Enjoy a world of banking features and solutions anytime, anywhere such as managing your finances, paying bills, transfer funds and more.
e-Statements

e-Statements

Enjoy complimentary
e-Statements every month that is also viewable via RHB Now.
Charity Donation

Charity Donation

Donate a percentage of your profit to any of our listed charitable bodies.

RHB Smart Account-i
Calculator
Monthly Average Balance (RM)


Note:

  • The amount is calculated on per month (31 days) and year (365 days) basis and is for illustration purposes only.
  • Monthly Average Balance is defined as the sum of end day daily account balance for the month/number of calendar days of the month.
  • *Selected RHB investment product with service charge of 4% or above
Disclaimer:

This calculator is intended as a guide, and all information contained herein is for estimation and illustration purposes only. RHB Banking Group will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you make as a result of using the calculator.

Result:

Total Profit & Bonus Payout earned for the month (RM)

RM0
Breakdown
Profit Rate
RM
Base Rate
0.05%
0.00
Bonus Save
1.00%
0.00
Bonus Pay
0.30%
0.00
Bonus Spend
0.30%
0.00
Bonus Invest
1.00%
0.00

Note:

  • The amount is calculated on per month (30 days) and year (365 days) basis and is for illustration purposes only.
  • Monthly Average Balance is defined as the sum of end day daily account balance for the month/number of calendar days of the month.
  • *Selected RHB investment product with service charge of 4% or above
Disclaimer:

This calculator is intended as a guide, and all information contained herein is for estimation and illustration purposes only. RHB Banking Group will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you make as a result of using the calculator.

Rates

With effect from 1 February 2025

Transactions
Base Rate
Bonus Payout
Maintain minimum
RM1,000 account balance. 		0.05% p.a.
on your daily account balance. 		-
Deposit
RM2,000 minimum monthly. 		- 1.00% p.a.*
and qualify for other bonus payouts
Pay minimum 3 bills monthly via RHB Now Internet Banking or RHB Mobile Banking App. - 0.30% p.a.
Spend minimum RM1,000 monthly with RHB Credit Card/-i or Debit Card-i. - 0.30% p.a.
Invest minimum RM1,000 monthly with selected RHB investment products. - 1.00%**
*Base Rate is calculated daily and credited monthly.
*Bonus payout based on monthly average account balance up to RM100,000.
**Bonus payout based on 1% of net investment amount.
*Bonus payout earned will be credited on 15th calendar day of the next occurring month, subject to criteria met.
*Maintain a minimum account balance of RM1,000 and get 0.05% p.a. on your daily account balance.
Preferred Debit Card-i
RHB Visa Debit-i WWF

RHB Visa Debit-i WWF

Cashback
0.5% on overseas transaction

Benefits

  • Enjoy contactless function.
  • Able to use the card for online function. However, customer need to opt on for this function.
  • Easy to apply as no minimum income is required.
  • Able to withdraw cash at any MEPS nationwide & the limit is up to RM10,000.

Issuance Fee

RM15.00

Annual Fee

RM12.00
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Eligibility

Residents and non-residents

Individuals aged 18 years and above

Joint account is not allowed

Service Charges

Service Charges

View service charges
Protected by PIDM

Protected by PIDM

Up to RM250,000 for each depositor. Investment products are not protected by PIDM.
Download PIDM DIS brochure

Current/Savings Account Opening
FAQs - RHB Smart Account-i

RHB Smart Account and RHB Smart Account-i are accounts that reward a customer based on the banking transactions that the customer performs (“Account”).

RHB Smart Account is a conventional current account, whereas, RHB Smart Account-i is an Islamic current account under the Commodity Murabahah (cost plus profit) via Tawarruq Arrangement concept.

The Account is available to all Residents and Non Residents, aged 18 years and above and under single name only. Joint account is not allowed for this Account.
Yes, the minimum initial deposit is RM1,000.

The range of interest/profit and benefits for the Accounts are as follows:

BASE Interest/Profit Rate

 

DAILY END BALANCE RANGE BASE INTEREST/PROFIT RATE P.A*
Below RM1,000 0.00%
RM1,000 and above 0.05%


*Note: Interest/ profit rate is subject to changes.

  • Formula of calculation for Base Interest/Profit Rate
    = Daily End Balance x Base Interest/Profit Rate
        Actual Number of Days for the Year
  • Formula of calculation for Monthly Average Balance (“MAB”)
    = Total Daily End Balance
        Actual Number of Days for the Month

BONUS Interest/Profit Rate

CATEGORY  BONUS INTEREST/ PROFIT RATE P.A*  REQUIREMENT
 i. SAVE 1.00% p.a bonus rate on account with Monthly Average (MAB) up to RM100,000 Minimum deposit of RM2,000 in a month
ii. PAY 0.30% p.a bonus rate on account with MAB up to RM100,000 Minimum three (3) bills payment via RHB Now Internet Banking and/or RHB Mobile Banking App in a month
iii. SPEND 0.30% p.a bonus rate on account with MAB up to RM100,000
 Aggregated RM1,000 spent on RHB Debit and/or Credit Card/-i in a month
iv. INVEST 1.00% bonus rate (flat rate) on net investment value Purchase of eligible RHB financial products with minimum amount of RM1,000


*Note: Interest/ profit rate is subject to changes
  • Formula of calculation of Bonus Interest/Profit for Save, Pay & Spend
    = MAB x Bonus Interest/Profit Rate x Total Calendar Days in the Month
        Actual Numbers of Days for the year
  • Formula of calculation of Bonus Interest/Profit for Invest
    = Net Investment Amount x Bonus Interest/Profit Rate

The requirements are as follows:

  • Must maintain minimum Monthly Average Balance (MAB) of RM1,000 in the Account.
  • Deposit a minimum of RM2,000 during the month into the Account.
  • SAVE Bonus Rate interest/profit will be credited into the Account every 15th calendar day of the next occurring month
 SAVE TRANSACTIONS
  (TABLE A)
  (transactions below are included for Bonus Rate)		  NON SAVE TRANSACTIONS
  (TABLE B)
  (transactions below are excluded from Bonus Rate)
 i) Cash Deposit  x) MARA Payment Credit  i) Fund transfer within RHB Current or Savings Account/-i
 ii) Cash Deposit Pos  xi) EPF Payment Credit  ii) Cheque Deposit
 iii) Credit Transfer  xii) Money Order/ Purchase Order Deposit
 iv) Fixed Deposit Credit  xiii) REFLEX – Funds Transfer Credit
 v) Cashier Order Credit  xiv) REFLEX – payroll Payment Credit
 vi) Demand Draft Credit  xv) REFLEX – Auto Credit
 vii) Telegraphic/ RENTAS/ IBG Transfer Credit  xvi) MCA Credit
 viii) Personal Express/ Financing Disbursement  xvii) IBK Cash Advance Credit
 ix) RHB Auto Credit  xviii) ATM IBFT Cr At RHB
 xix) ATM IBFT Cr At MEPS
 xx) DuitNow


The requirements are as follows:

  • Must meet SAVE criteria.
  • Make 3 bill payments from this Account via RHB Now Internet Banking and/or RHB Mobile Banking App during the month.
  • PAY Bonus Rate Interest / Profit will be credited into the Account in 3rd week of the next occurring month.
PAY (TABLE A)
 (transaction below are included for Bonus Rate)		 PAY (TABLE B)
 (transactions below are excluded from Bonus Rate)

Bill payment under Other Biller and JomPAY made to billing organization

via RHB Now Internet Banking or RHB Mobile Banking App

 i) Payment to any RHB Credit Card/-i
ii) Payment to any RHB Loan/Financing
iii) Payment via FPX


The requirements are as follows:

  • Must meet SAVE criteria.
  • Minimum total aggregated RM1,000 spend on RHB Debit and/or Credit Card/-i in a month.
  • SPEND Bonus Rate earned will be credited into the Account in 3rd week of the next occurring month.
RETAIL SPENDING
(TABLE A)
(transactions below are included for Bonus Rate)		  NON SAVE TRANSACTIONS
 (TABLE B)
 (transactions below are excluded from Bonus Rate)
 i) Cash Deposit  x) MARA Payment Credit  i) Fund transfer within RHB Current or Savings Account/-i
 ii) Cash Deposit Pos  xi) EPF Payment Credit  ii) Cheque Deposit
 iii) Credit Transfer  xii) Money Order/ Purchase Order Deposit
 iv) Fixed Deposit Credit  xiii) REFLEX – Funds Transfer Credit
 v) Cashier Order Credit  xiv) REFLEX – payroll Payment Credit
 vi) Demand Draft Credit  xv) REFLEX – Auto Credit
 vii) Telegraphic/ RENTAS/ IBG Transfer Credit  xvi) MCA Credit
 viii) Personal Express/ Financing Disbursement  xvii) IBK Cash Advance Credit
 ix) RHB Auto Credit  xviii) ATM IBFT Cr At RHB
 xix) ATM IBFT Cr At MEPS
 xx) DuitNow


The requirements are as follows:

  • Must meet SAVE criteria
  • Purchase of eligible **RHB investments products with minimum amount of RM1,000 in a month.
  • Bonus Rate earned will be credited into the Account every 15th calendar day of the next occurring month.

**Note: Subject to the Terms and Conditions.

In order to enjoy PAY Bonus Rate, you must meet SAVE criteria as per below first before you are entitled for the PAY Bonus rate:-

  • Must maintain minimum Monthly Average Balance (MAB) of RM1,000 in this Account.
  • Deposit a minimum of RM2,000 during the month into the Account.
  • In order to earn the PAY Bonus Rate, customer is to ensure to perform eligible transactions as stated in PAY table above.
  • If there is any delay in the transmission or posting of any retail transactions, Bonus Rate will be computed based on the posting date.
  • If there are any retail transactions not reflected in the RHB statement due to any failure, Bonus Rate will not be computed.
  • RHB is not responsible for any failure or delay in the transmission or posting of any retail transaction. RHB’s records on the posting date of any retail transaction shall be final, conclusive and binding.
Yes, included under PAY Bonus Rate
No, spend made under JomPAY of the Credit Card’s Accountholder are excluded from SPEND Bonus Rate
Overdraft facility is NOT available for this Account.
Cheque book facility is available upon request and subject to cheque book Terms and Conditions.
No. You can only maintain one (1) Account at any one time, either RHB Smart Account or RHB Smart Account-i.
Yes. Only RHB Smart Account can be tagged to conventional RHB Debit Card and RHB Smart Account-i can be linked to RHB Islamic Debit Card-i.
Monthly Account Statement for this Account can be viewed via RHB Now Internet Banking.
Yes. Please refer to RHB Bank and/or RHB Islamic Bank’ Standard Fee & Service Charges (https://www.rhbgroup.com/others/service-charges/index.html)
You can contact our Customer Care Centre at 03-9206 8118

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RHB Smart Campaign
Enjoy returns of up to 6.85% p.a.! Simply maintain a minimum of RM1,000, then save, sign up for Joy@Work, pay bills, spend, convert, trade, or invest.

Campaign period: 1 February 2025 – 31 December 2025

More details, refer to RHB Smart Campaign.
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