Saving Account

Reliable, up-to-date and competitive.

Rates

Range (RM)	Rates (p.a.)
Up to 50,000	0.25%
Above 50,000	0.25%

Range (RM)	Rates (p.a.)
Up to 50,000	1.75%
Above 50,000	0.55%

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	0.20%

Applicable for all accountholders

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

Applicable for existing accountholders.

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	0.20%

Applicable for all accountholders.

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	0.20%

Applicable for all accountholders.

Future Saver 100

Base Rate (p.a.)	Bonus Rate (p.a.)
0.00%	0.00%

Future Saver 300

Base Rate (p.a.)	Bonus Rate (p.a.)
0.10%	0.60%

Applicable for existing accountholders.

Category	Rates (p.a.)
Base Rate	0.05%
Bonus Rate	0.05%

Applicable for all accountholders.

Current Account

Reliable, up-to-date and competitive.

Rates

This is a non-interest bearing account.

*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	0.00%	0.00%
Up to 500,000	0.00%	0.55%
Up to 1,000,000	0.00%	0.70%
More than 1,000,000	0.00%	1.00%

Applicable for all accountholders.

Category	Rates
Base Rate	0.00% p.a.
Bonus Rate	Up to 6.60% p.a.

Fixed Deposit

Reliable, up-to-date and competitive.

Rates

Tenure	Rates (p.a.)
1 Month	1.75%
2 Months	1.75%
3 Months	1.95%
4-5 Months	2.00%
6 Months	2.05%
7-11 Months	2.05%
12 Months	2.05%
>12 Months	Negotiable

Tenure	Rates (p.a.)
12 Months	2.05%
>12 months	Negotiable

Tenure	Rates (p.a.)
3 Months	1.95%

Premier Current Account

Reliable, up-to-date and competitive.

Rates

*Range (RM)**	Tier 1 Rates (p.a.)	Tier 2 Rates (p.a.)
First 50,000	0.00%	0.00%
Above 50,000 to 200,000	0.35%	0.00%
Above 200,000 to 500,000	1.35%	0.00%
Above 500,000 to 1,000,000	1.50%	0.00%
Subsequent balances above 1,000,000	1.70%	0.30%

Note : With effect from 1 February 2024, ‘Split Tier’ concept on interest rate computation will be implemented. ‘Split Tier’ is an interest calculation method that separates the account balance according to the balance range tier.

Conventional

Reliable, up-to-date and competitive.

Rates

Standardised Base Rate
Effective Date	Rates (per annum)
11 July 2025	2.75%
Standard Housing Loan*	Rates (per annum)
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)
11 July 2025	3.50%

Base Lending Rate
Effective Date	Rates (per annum)
11 July 2025	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	Sept-22	Nov-22	May-23	May-23	Jul-25
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%	3.00%	3.00%	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%	3.75%	3.75%	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%	6.70%	6.70%	6.45%
PKEP / IELR	4.65%	4.65%	5.00%	5.00%	4.75%	4.50%	4.50%	4.25%	3.75%	3.50%	3.75%	4.00%	4.00%	4.25%	4.50%	4.75%	4.75%	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.

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.
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).

Housing Loan Current Board Rate
Loan Amount	Board Rate (p.a.)	Effective Rate (p.a.)
< RM100,000	SBR + 3.60%	6.35%
RM100,000 - < RM250,000	SBR + 3.60%	6.35%
RM250,000 - < RM400,000	SBR + 3.30%	6.05%
RM400,000 - < RM600,000	SBR + 3.20%	5.95%
RM600,000 - < RM1,000,000	SBR + 3.10%	5.85%
RM1,000,000 & above	SBR + 3.05%	5.80%

Commercial Property Financing Current Board Rate
Financing Amount	Board Rate (p.a.)	Effective Rate (p.a.)
<= RM500,000	SBR + 2.80%	5.55%
Above RM500,000	SBR + 2.50%	5.25%

Important Note: Standardised Base Rate (SBR) is 2.75% p.a. effective 11 July 2025

Islamic

Rates

A guide to our charges & rates offered

Term Deposit

Commodity Murabahah Deposit-i (with effective 18 September 2025)
Tenure (months)	Effective Rate (% p.a.)
1	1.75%
2	1.75%
3	1.95%
4-5	2.00%
6	2.05%
7-11	2.05%
12	2.05%
>12 months	Negotiable

All rates are based on previous/historical distribution rates.

For other information, please refer to the counters.

Rates for Commodity Murabahah (CM) Deposit products

RHB CHILDREN ACCOUNT-i (RM) (With effect from 28 August 2025)
Balance Range Tier	Profit Rate (% p.a.)
Up to RM 50,000	1.75%
Above RM 50,000	0.55%

Basic Savings Account-i 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 (With effect from 28 August 2025)	Profit Rate (% p.a.)
Up to RM20,000	0.00%
Up to RM50,000	0.05%
Up to RM100,000	0.10%
Above RM100,000	0.20%

Applicable for all accountholders

Current Account-i (RM) (With effect from 28 August 2025)	Option 1	Option 2
Current Account-i (RM) (With effect from 28 August 2025)	Rates (p.a.)	Rates (p.a.)
Up to 50,000	0.00%	0.00%
Up to 100,000	0.00%	0.00%
Up to 500,000	0.00%	0.55%
Up to 1,000,000	0.00%	0.70%
More than 1,000,000	0.00%	1.00%

Applicable for all accountholders

RHB Premier Current Account-i (RM) (With effect from 28 August 2025)	Tier 1 Rates (p.a)	Tier 2 Rates (p.a)
First 50,000	0.00%	0.00%
Above 50,000 to 200,000	0.35%	0.00%
Above 200,000 to 500,000	1.35%	0.00%
Above 500,000 to 1,000,000	1.50%	0.00%
Subsequent balances above 1,000,000	1.70%	0.30%

Note : With effect from 1 February 2024, ‘Split Tier’ concept on profit rate computation will be implemented. ‘Split Tier’ is a profit calculation method that separates the account balance according to the balance range tier.

RHB Smart Account-i (With effect from 1 January 2026)	Rate
Base Rate	0.00% p.a.
Bonus Rate	Up to 6.60% p.a.

Reliable, up-to-date and competitive.

Standardised Base Rate Islamic

Effective Date	Rates (per annum)
11 July 2025	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 Rate Islamic

Effective Date	Rates (per annum)
11 July 2025	3.50%

Base Financing Rate

Effective Date	Rates (per annum)
11 July 2025	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	Sept-22	Nov-22	May-23	Jul-25
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%	3.00%	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%	3.75%	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%	6.70%	6.45%
PKEP / IELR	4.65%	4.65%	5.00%	5.00%	4.75%	4.50%	4.50%	4.25%	3.75%	3.50%	3.75%	4.00%	4.00%	4.25%	4.50%	4.75%	4.50%

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.

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.
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 SBR?
The SBR can rise or fall due to changes in the benchmark rate, i.e. changes in the Overnight Policy Rate (OPR).

Home Financing Current Board Rate
Financing Amount	Board Rate (p.a.)	Effective Rate (p.a.)
< RM100,000	SBRI + 3.60%	6.35%
RM100,000 - < RM250,000	SBRI + 3.60%	6.35%
RM250,000 - < RM400,000	SBRI + 3.30%	6.05%
RM400,000 - < RM600,000	SBRI + 3.20%	5.95%
RM600,000 - < RM1,000,000	SBRI + 3.10%	5.85%
RM1,000,000 & above	SBRI + 3.05%	5.80%

Commercial Property Financing-i Current Board Rate
Financing Amount	Board Rate (p.a.)	Effective Rate (p.a.)
<= RM500,000	SBRI + 2.80%	5.55%
Above RM500,000	SBRI + 2.50%	5.25%

Important Note: Standardised Base Rate Islamic (SBRI) is 2.75% p.a. effective 11 July 2025