- Saving/Current Account Interest Rates | RHB Malaysia

Saving Account

Reliable, up-to-date and competitive.
Rates
Basic Savings Account (with effect from 24 June 2020)
Range (RM) Rates (p.a.)
Up to 50,000 0.25%
Above 50,000 0.25%
Junior Savings Account (with effect from 7 November 2022)
Range (RM) Rates (p.a.)
Up to 50,000 2.40%
Above 50,000 0.55%
MaxSave Account (with effect from 24 June 2020)
Range (RM) Rates (p.a.)
Up to 1,000 0.00%
Up to 10,000 0.05%
Up to 20,000 0.15%
Up to 50,000 0.25%
Up to 100,000 0.50%
Above 100,000 1.00%
MySave Account (with effect from 1 January 2021 )
Range (RM) Rates (p.a.)
Up to 3,000 0.00%
Above 3,000 0.00%

Applicable for existing accountholders.

Passbook Savings Account (with effect from 24 June 2020)
Range (RM) Rates (p.a.)
Up to 20,000 0.00%
Up to 50,000 0.05%
Up to 100,000 0.10%
Above 100,000 0.30%

Applicable for existing accountholders.

Statement Savings Account (with effect from 1 January 2021)
Range (RM) Rates (p.a.)
Up to 20,000 0.00%
Up to 50,000 0.05%
Up to 100,000 0.10%
Above 100,000 0.30%

Applicable for existing accountholders.

Future Saver Account (with effect from 24 June 2020)
  • Future Saver 100
Base Rate (p.a.) Bonus Rate (p.a.)
0.00% 0.30%
  • Future Saver 300
Base Rate (p.a.) Bonus Rate (p.a.)
0.10% 0.60%

Applicable for existing accountholders.

Bonus Saver Account (with effect from 13 May 2020)
Category Rates (p.a.)
Base Rate 0.20%
Bonus Rate 0.10%

Current Account

Reliable, up-to-date and competitive.
Rates
MaxCash Account (with effect from 1 January 2021)
Range* (RM) Rates (p.a.)
Up to 20,000 0.00%
Above 20,000 0.80%

*First RM20,000 in MaxCash Account is non-interest bearing irrespective of account balance.
Applicable for existing accountholders.

My1 Account (with effect from 13 July 2020)
Range (RM) Option 1 Option 2
Rates (p.a.) Rates (p.a.)
Up to 50,000 0.00% 0.00%
Up to 100,000 0.10% 0.00%
Up to 500,000 0.35% 0.55%
Up to 1,000,000 0.50% 0.70%
More than 1,000,000 0.50% 1.00%
*No interest is paid on the first RM5,000 of your total balances
RHB Smart Account (effective 13 July 2020)
Category Rates (p.a.)
Base Rate 0.05%

Fixed Deposit

Reliable, up-to-date and competitive.
Rates
Ordinary Fixed Deposit (effective 7 November 2022)
Tenure Rates (p.a.)
1 Month 2.40%
2 Months 2.50%
3 - 5 Months 2.55%
6 Months 2.75%
7 - 11 Months 2.75%
12 Months 2.80%
>12 Months Negotiable
RHB Senior Fixed Deposit (effective 7 November 2022)
Tenure Rates (p.a.)
12 Months 2.80%
>12 Months Negotiable
RHB FD P.A.Y.S (effective 7 November 2022)
Tenure Rates (p.a.)
3 Months 2.55%

Premier Current Account

Reliable, up-to-date and competitive.
Rates
Premier Current Account (with effect from 2 January 2023)
Range* (RM) Rates (p.a.)
Up to 50,000 0.00%
Up to 200,000 0.50%
Up to 500,000 1.50%
Up to 1,000,000 1.70%
Above 1,000,000 1.90%

*No interest is paid on the first RM5,000 of your account balance.

Standardised Base Rate/Base Rate/Base Lending Rate

Reliable, up-to-date and competitive.
Rates
Standardised Base Rate
Effective Date Rates (per annum)
7 November 2022 2.75%
Standard Housing Loan*
Indicative Effective Lending Rate 4.50%

*A standard housing loan refers to a housing loan with loan amount of RM350,000 for 30 years and has no lock-in period.

Base Rate
Effective Date Rates (per annum)
7 November 2022 3.50%
Base Lending Rate
Effective Date Rates (per annum)
7 November 2022 6.45%

Tarikh Berkuatkuasa / Effective Date Jan-15 Dec-15 Jul-16 Feb-18 Apr-19 May-19 Jan-20 Mar-20 May-20 Jul-20 May-22 Jul-22 Aug-22 Sep-22 Nov-22
KAS / SBR 3.25% 3.25% 3.00% 3.25% 3.25% 3.00% 2.75% 2.50% 2.00% 1.75% 2.00% 2.25% 2.25% 2.50% 2.75%
KA / BR 4.00% 3.90% 3.65% 3.90% 4.00% 3.75% 3.50% 3.25% 2.75% 2.50% 2.75% 3.00% 3.00% 3.25% 3.50%
KPA / BLR 6.85% 6.85% 6.60% 6.95% 6.95% 6.70% 6.45% 6.20% 5.70% 5.45% 5.70% 5.95% 5.95% 6.20% 6.45%
PKEP / IELR 4.65% 4.65% 4.65% 5.00% 5.00% 4.75% 4.50% 4.25% 3.75% 3.50% 3.75% 4.00% 4.00% 4.25% 4.50%

Rujukan / Reference:
Kadar Asas Standard (KAS) / Standardised Base Rate (SBR), Kadar Asas (KA) / Base Rate (BR), Kadar Pinjaman Asas (KPA) / Base Lending Rate (BLR), Petunjuk Kadar Efektif Pinjaman (PKEP) / Indicative Effective Lending Rate (IELR)

Catatan:

  • KAS telah diperkenalkan pada 1 Ogos 2022. Garis putus-putus menunjukkan data OPR yang terdahulu, iaitu kadar penanda aras KAS.
  • Petunjuk kadar efektif merujuk kepada kadar pinjaman berkesan tahunan petunjuk untuk produk pinjaman perumahan dengan jumlah pinjaman RM350k untuk tempoh 30 tahun tanpa tempoh “lock-in”.

Note:

  • The SBR was introduced on 1 August 2022. The dotted line shows the historical series of the OPR, which is the benchmark rate of the SBR.
  • Indicative effective rate refers to the indicative annual effective lending rate for a standard 30-year housing loan product with financing amount of RM350k and has no lock-in period.
1. 

Apakah itu Kadar Asas Standard (KAS)?
KAS yang kami tawarkan untuk produk ini adalah berdasarkan kadar penanda aras yang ditentukan oleh Bank Negara Malaysia. Kadar penanda aras kini ditetapkan sebagai Kadar Dasar Semalaman (Overnight Policy Rate, OPR), yang mencerminkan pendirian dasar monetari yang ditentukan oleh Jawatankuasa Dasar Monetari (Monetary Policy Commitee, MPC) Bank Negara Malaysia.

What is the Standardised Base Rate (SBR)?
The SBR we offer on this product is based on the benchmark rate specified by Bank Negara Malaysia. The benchmark rate is currently set as the Overnight Policy Rate (OPR), which reflects the monetary policy stance as decided by the Monetary Policy Committee of Bank Negara Malaysia.
2. 

Apakah senario-senario yang mungkin mencetuskan perubahan pada KAS?
KAS boleh naik atau turun disebabkan oleh perubahan dalam kadar penanda aras iaitu perubahan dalam Kadar Dasar Semalaman (Overnight Policy Rate, OPR).

What are possible scenarios that may trigger a change in the SBR?
The SBR can rise or fall due to changes in the benchmark rate, i.e. changes in the Overnight Policy Rate (OPR).
3. 

Sejarah KAS untuk tempoh 3 tahun yang lepas:

Historical SBR for the past 3 years:

Catatan: KAS telah diperkenalkan pada 1 Ogos 2022. Garis putus-putus menunjukkan data OPR yang terdahulu, iaitu kadar penanda aras KAS.
Note: The SBR was introduced on 1 August 2022. The dotted line shows the historical series of the OPR, which is the benchmark rate of the SBR.

Islamic

Rates
Deposit Rates

A guide to our charges & rates offered.

Standardised Base Rate Islamic / Base Rate Islamic / Base Financing Rate

Reliable, up-to-date and competitive.

Tarikh Berkuatkuasa / Effective Date Jan-15 Dec-15 Jul-16 Feb-18 Apr-19 May-19 Jan-20 Mar-20 May-20 Jul-20 May-22 Jul-22 Aug-22 Sep-22 Nov-22
KASI / SBRI 3.25% 3.25% 3.00% 3.25% 3.25% 3.00% 2.75% 2.50% 2.00% 1.75% 2.00% 2.25% 2.25% 2.50% 2.75%
KAI / BRI 4.00% 3.90% 3.65% 3.90% 4.00% 3.75% 3.50% 3.25% 2.75% 2.50% 2.75% 3.00% 3.00% 3.25% 3.50%
KPA / BFR 6.85% 6.85% 6.60% 6.95% 6.95% 6.70% 6.45% 6.20% 5.70% 5.45% 5.70% 5.95% 5.95% 6.20% 6.45%
PKEP / IEFR 4.65% 4.65% 4.65% 5.00% 5.00% 4.75% 4.50% 4.25% 3.75% 3.50% 3.75% 4.00% 4.00% 4.25% 4.50%

Rujukan / Reference:
Kadar Asas Standard Islamik (KASI) / Standardised Base Rate Islamic (SBRI), Kadar Asas Islamik (KAI) / Base Rate Islamic (BRI), Kadar Pembiayaan Asas (KPA) / Base Financing Rate (BFR), Petunjuk Kadar Efektif Pembiayaan (PKEP) / Indicative Effective Financing Rate (IEFR)

Catatan:

  • KASI telah diperkenalkan pada 1 Ogos 2022. Garis putus-putus menunjukkan data OPR yang terdahulu, iaitu kadar penanda aras KASI.
  • Petunjuk kadar efektif merujuk kepada kadar pembiayaan berkesan tahunan petunjuk untuk produk pembiayaan perumahan dengan jumlah pembiayaan RM350k untuk tempoh 30 tahun tanpa tempoh “lock-in”.

Note:

  • The SBRI was introduced on 1 August 2022. The dotted line shows the historical series of the OPR, which is the benchmark rate of the SBRI.
  • Indicative effective rate refers to the indicative annual effective financing rate for a standard 30-year home financing product with financing amount of RM350k and has no lock-in period.
1. 

Apakah Kadar Asas Standard Islamik (KASI)?
KASI yang kami tawarkan untuk produk ini adalah berdasarkan kadar penanda aras yang ditentukan oleh Bank Negara Malaysia. Kadar penanda aras kini ditetapkan sebagai Kadar Dasar Semalaman (Overnight Policy Rate, OPR), yang mencerminkan pendirian dasar monetari yang ditentukan oleh Jawatankuasa Dasar Monetari (Monetary Policy Commitee, MPC) Bank Negara Malaysia.

What is the Standardised Base Rate Islamic (SBRI)?
The SBRI we offer on this product is based on the benchmark rate specified by Bank Negara Malaysia. The benchmark rate is currently set as the Overnight Policy Rate (OPR), which reflects the monetary policy stance as decided by the Monetary Policy Committee of Bank Negara Malaysia.
2. 

Apakah senario-senario yang mungkin mencetuskan perubahan pada KASI?
KASI boleh naik atau turun disebabkan oleh perubahan dalam kadar penanda aras iaitu perubahan dalam Kadar Dasar Semalaman (Overnight Policy Rate, OPR).

What are possible scenarios that may trigger a change in the SBRI?
The SBRI can rise or fall due to changes in the benchmark rate, i.e. changes in the Overnight Policy Rate (OPR).
3. 

Sejarah KASI untuk tempoh 3 tahun yang lepas:

Historical SBRI for the past 3 years:

Catatan: KASI telah diperkenalkan pada 1 Ogos 2022. Garis putus-putus menunjukkan data OPR yang terdahulu, iaitu kadar penanda aras KASI.
Note: The SBRI was introduced on 1 August 2022. The dotted line shows the historical series of the OPR, which is the benchmark rate of the SBRI.
Premier Current Account-i

Range (RM) Profit Rate (% p.a.)
Up to 5,000 0.0
Up to 20,000 0.30
Up to 50,000 0.50
Up to 100,000 1.00
Up to 500,000 2.25
Up to 1,000,000 2.75
Above 1,000,000 3.00

*No profit is paid on the first RM5,000 of your total balances in the Participating Account

Term Deposit

Commodity Murabahah Deposit-i (with effect from 12 September 2022)

Tenure (months) Effective Rate (% p.a.)
1 2.40%
2 2.50%
3 - 5 2.55%
6 2.75%
7 - 11 2.75%
12 2.80%
> 12 months Negotiable

All rates are based on previous/historical distribution rates.
For other information, please refer to the counters.

Profit Rates For CM Deposit Products
RHB CHILDREN ACCOUNT-i (RM)
(With effect from 7 November 2022)
Balance Range Tier Profit Rate (% p.a.)
Up to RM 50,000 2.40%
Above RM 50,000 0.55%
Basic Savings Account-i (RM)
Option 1 and Option 2
(With effect from 24 June 2020) 		Profit Rate (% p.a.)
Up to RM50,000
 0.25%
Above RM50,000
 0.25%
Saving Account-i (RM)
(With effect from 24 June 2020)		 Profit Rate (% p.a.)
Up to RM1,000 0.00%
Up to RM10,000 0.05%
Up to RM20,000 0.15%
Up to RM50,000 0.25%
Up to RM100,000 0.50%
Above RM100,000 1.00%
Current Account-i (RM)
(With effect from 13 July 2020)		 Option 1 Option 2
Profit Rates (p.a.) Profit Rates (p.a.)
Up to 50,000 0.00% 0.00%
Up to 100,000 0.10% 0.00%
Up to 500,000 0.35% 0.55%
Up to 1,000,000 0.50% 0.70%
More than 1,000,000 0.50% 1.00%
Premier Current Account-i (RM)
(With effect from 2 January 2023)		 Profit Rate (% p.a.)
Up to 50,000 0.00%
Up to 200,000 0.55%
Up to 500,000 1.55%
Up to 1,000,000 1.75%
Above 1,000,000 1.95%
RHB Smart Account-i
(With effect from 13 July 2020)		 Rate (p.a.)
Base Rate 0.05%
Base Rate Islamic

Effective Date Rates (per annum)
7 November 2022 3.50%

Standardised Base Rate Islamic

Effective Date Rates (per annum)
7 November 2022 2.75%
Standard Home Financing*
Indicative Rate 4.50%

*A standard home financing refers to a home financing with financing amount of RM350,000 for 30 years and has no lock-in period.

Base Financing Rate
Effective Date Rates (per annum)
7 November 2022 6.45%