Savings Account Rate Interest

Saving Account
Current Account
Fixed Deposit
Premier Current Account
Base Rate/Base Lending Rate
Islamic

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 13 July 2020)

Range (RM)	Rates (p.a.)
Up to 50,000	1.65%
Above 50,000	0.35%

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 24 June 2020)

Range (RM)	Rates (p.a.)
Up to 3,000	0.00%
Above 3,000	0.10%

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 24 June 2020)

Range (RM)	Rates (p.a.)
Up to 20,000	0.00%
Up to 50,000	0.10%
Up to 100,000	0.20%
Above 100,000	0.40%

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 13 July 2020)

Range (RM)	Rates (p.a.)
Up to 20,000*	0.00%
Above 20,000	0.85%

*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
Range (RM)	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 13 July 2020)

Tenure	Rates (p.a.)
1 - 2 Months	1.65%
3 - 5 Months	1.70%
6 Months	1.80%
7 - 11 Months	1.80%
12 Months	1.85%
13 - 17 Months	Negotiable
18 - 35 Months	Negotiable
36 - 47 Months	Negotiable
48 Months	Negotiable
49 - 60 Months	Negotiable

RHB Senior Fixed Deposit (effective 13 July 2020)

Tenure	Rates (p.a.)
12 Months	1.85%
13 - 17 Months	Negotiable
18 – 35 Months	Negotiable
36 - 47 Months	Negotiable
48 Months	Negotiable
49 - 60 Months	Negotiable

RHB FD P.A.Y.S (effective 13 July 2020)

Tenure	Rates (p.a.)
3 Months	1.70%

Premier Current Account

Reliable, up-to-date and competitive.

Rates

Premier Current Account (with effect from 13 July 2020)

Range* (RM)	Rates (p.a.)
Up to 50,000	0.00%
Up to 100,000	0.25%
Up to 500,000	0.95%
Up to 1,000,000	1.25%
Above 1,000,000	1.55%

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

Base Rate/Base Lending Rate

Reliable, up-to-date and competitive.

Rates

Base Rate

Effective Date	Rates (p.a.)
13 July 2020	2.50%

Standard Housing Loan*
Indicative Effective Lending Rate	3.50%

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

Base Lending Rate

Effective Date	Rates (p.a.)
13 July 2020	5.45%

Apakah Kadar Asas (KA)?
KA yang kami tawarkan untuk produk ini terdiri daripada dua bahagian, penanda aras kos dana (COF) dan kos Keperluan Rizab Berkanun (SRR) yang ditetapkan oleh Bank Negara Malaysia. Penanda aras kos dana kami mencerminkan kos pendanaan dalaman yang terdiri daripada kos penjanaan dana baru pada kadar pasaran serta kadar promosi dan adalah berdasarkan komposisi purata 12 bulan akaun semasa dan simpanan, deposit tetap dan pasaran wang dengan tempoh sehingga 12 bulan.

What is Base Rate (BR)?
The BR we offer on this product is made up of two parts, our benchmark cost of funds (COF) and the Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia. Our benchmark COF reflects the internal funding cost comprising the cost of raising new funds at market rates as well as the promotional rates and is based on the rolling 12 months average composite of customers' currents and savings account deposits, fixed and money market term deposits with tenure up to 12 months.

Apakah senario-senario yang mungkin mencetuskan perubahan pada KA?
KA boleh naik atau turun disebabkan oleh perubahan dalam penanda aras kos dana dan perubahan dalam Keperluan Rizab Berkanun. Perubahan dalam penanda aras kos dana boleh berlaku disebabkan oleh perubahan dalam Kadar Dasar Semalaman (OPR) seperti yang diputuskan oleh Jawatankuasa Dasar Kewangan Bank Negara Malaysia, dan juga faktor-faktor lain seperti kadar promosi deposit RHB dan strategi pendanaan.

What are possible scenarios to trigger a change in the BR?
Our BR can rise or fall due to changes in the benchmark COF and changes in the SRR. Changes in the benchmark COF could occur due to changes in the Overnight Policy Rate (OPR) as decided by the Monetary Policy Committee of Bank Negara Malaysia, as well as other factors such as RHB deposits' promotional rates and funding strategies.

Penanda aras kos dana untuk tempoh 3 tahun yang lepas:

Historical benchmark COF in the last 3 years:

Islamic

Rates

Deposit Rates

A guide to our charges & rates offered.

Base Rate Islamic / Base Financing Rate

Reliable, up-to-date and competitive.

Penanda aras kos dana untuk tempoh 3 tahun yang lepas:

Historical benchmark COF in the last 3 years:

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

Commodity Murabahah Deposit-i

Tenure (months)	Effective Rate (% p.a.)
1 - 2	1.65%
3 - 5	1.70%
6	1.80%
7 - 11	1.80%
12	1.85%
13 - 17	Negotiable
18 - 35	Negotiable
36 - 47	Negotiable
48	Negotiable
49 - 60	Negotiable

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

With effect from 13 July 2020, the Balance Range Tier for RHB Children Account-i product will be as follows:

RHB CHILDREN ACCOUNT-i
Balance Range Tier	Profit Rate (% p.a.)
Up to RM 50,000	1.65%
Above RM 50,000	0.35%

Basic Savings Account-i Option 1 and Option 2	Profit Rate (% p.a.)
Up to RM50,000	0.25%
Above RM50,000	0.25%

Saving Account-i	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)	Option 1	Option 2
Current Account-i (RM)	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%

Premier Current Account-i*	Profit Rate (% p.a.)
Up to 50,000	0.00%
Up to 100,000	0.25%
Up to 500,000	0.95%
Up to 1,000,000	1.25%
Above 1,000,000	1.55%

*No profit is paid on the first RM5,000 of your total balances.

RHB Smart Account-i (effective 13 July 2020)	Rate (p.a.)
Base Rate	0.05%

Effective Date	Rates (p.a.)
13 July 2020	2.50%

Standard Home Financing*
Indicative Rate	3.50%

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