Earn 3% Flat Return On Your Savings With MBSB

Samuel Chua

1st April 2026 - 3 min read

If you are looking for a place to park your savings without having to track multiple conditions, MBSB Bank’s Max Return campaign offers a flat 3.00% per annum rate that applies across your entire balance.

The campaign runs from 1 April 2026 to 31 March 2027 and is open to new-to-bank individual customers who open a Cash Rich Savings Account-i and place fresh funds into the account.

A Flat Rate That Keeps Things Simple

Instead of splitting your balance across tiers or requiring specific actions to unlock higher rates, this account applies the same 3.00% return to every ringgit you keep inside.

This means you do not need to worry about maintaining a minimum spend, crediting your salary, or keeping your balance within a certain range just to qualify for the headline rate.

Profit is calculated daily based on your end-of-day balance and credited monthly, which makes it easier to follow how your savings are growing over time.

The Rate Applies For The First Two Years

The 3.00% return applies for the first two years from the date you open the account, after which it reverts to the bank’s standard board rate.

If you are planning to keep your savings in the account for longer, this is something to keep in mind when comparing it with other options.

Open To New Customers Only

This campaign is only available if you do not already have an existing relationship with MBSB Bank, which means you will need to open a new account and fund it with money from another bank.

If you are already a customer, this particular offer will not apply.

Your Returns Scale With Your Balance

Because the rate is fixed across all balances, what you earn depends entirely on how much you keep in the account.

If you place RM10,000, you are looking at about RM300 a year, while RM50,000 would generate around RM1,500 annually, assuming your balance stays consistent.

There are no extra steps to unlock these returns, but the benefit becomes more noticeable as your balance increases.

How This Fits Into Your Savings Plan

This type of account works well if you want a predictable return without having to manage multiple conditions or keep track of changing tiers.

The fixed rate and simple structure make it easier to understand what you are earning, especially if you prefer a straightforward approach to managing your savings.

At the same time, the two-year period gives you a natural point to review your options and decide where to place your funds next.

Samuel Chua

Samuel writes about personal finance and financial news, focusing on how banking updates, policies, and promotions affect everyday money decisions. He enjoys making complicated financial topics easier to follow. Outside of writing, he spends his time watching TV shows and occasionally convincing himself he will only watch one episode.

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