With over one million Malaysians already using its digital banking services, GXBank is moving into its next chapter with GX 3.0, a roadmap focused on stronger savings habits, flexible credit, and better financial resilience. The bank aims to build on its early momentum by offering products that help customers manage daily expenses, respond to emergencies, and plan for long-term goals through a simple and fully digital experience.

GXBank marks this shift as it celebrates two years since opening to the public in 2023. In that time, the bank has processed millions of transactions, issued more than one million debit cards, and recorded steady monthly usage from its customers. This shows increasing trust in digital banking, especially among Malaysians who previously had limited access to regulated credit or personalised financial tools.

GX 3.0 brings together the lessons from the bank’s early years. It prioritises what Malaysians have said they need most, including the ability to save consistently, access credit quickly, and manage financial pressure without complex fees or rigid requirements.

Saving Better With Bonus Pocket

Saving remains central to GX 3.0. Customers have created more than 1.25 million savings pockets across the platform, commonly earmarked for emergencies, travel, and major purchases. This reflects a strong appetite for purpose-based saving when supported by simple tools.

Bonus Pocket was introduced to help customers save more without losing access to their money. It combines a daily base interest rate with a separate bonus interest credited at the end of a three-month tenure. Those who complete the tenure receive the full combined rate, while customers who withdraw early still keep the base interest instead of losing the entire return.

GXBank notes that Malaysians now save around thirteen times more in Bonus Pocket than in regular savings pockets, indicating that structured saving can encourage better financial habits.

Anniversary Campaign With Up To 4.00% p.a.

To celebrate its second anniversary, GXBank has launched the 1,000,000+ Impian Malaysia campaign. The campaign introduces a special Bonus Pocket rate of up to 4.00% p.a. for savings of up to RM50,000 kept for the full three-month tenure. The promotional rate starts today.

The total return combines 2.00% base interest and 2.00% bonus interest credited at maturity. Customers may create multiple Bonus Pockets, although the promotional rate applies only to the first RM50,000. All deposit products are protected by Perbadanan Insurans Deposit Malaysia for up to RM250,000 per depositor.

Example calculations show what customers could earn under the promotional rate. A RM10,000 balance kept for the full tenure earns RM49.50 in base interest and RM49.50 in bonus interest. A RM50,000 balance under the same conditions earns RM494.28 in total interest. These figures illustrate how daily interest and the end-of-tenure bonus work together to grow short-term savings in a clear and predictable way.

The campaign is designed to encourage consistent saving behaviour by offering a meaningful return without requiring long-term commitments.

Flexible Credit Through FlexiCredit

GX 3.0 strengthens access to credit through FlexiCredit, a fully digital credit line that customers can draw from and repay at their own pace. The application process can typically be completed in around eight to ten minutes for eligible GXBank users.

More than four thousand Malaysians were involved in the research behind this product. Many shared that they needed quick access to small, short-term financing to handle emergencies, repair costs, or rising living expenses. These insights shaped FlexiCredit’s design as a flexible line rather than a traditional fixed-term loan.

Since launch, customers have completed more than 120,000 drawdowns. Over 60% of these are used for emergencies such as medical needs and car repairs. Nearly half support daily expenses, illustrating the pressure that many households face in managing monthly cash flow.

Around half of FlexiCredit customers have monthly incomes below RM4,000. For many, obtaining formal credit elsewhere may be challenging. About 30% of surveyed customers say they would not have been able to access a loan from other providers.

The product does not include prepayment penalties, allowing customers to repay early to reduce interest costs before drawing again when needed. GXBank’s lending performance to date shows loss rates that are lower than typical levels in personal financing, although the bank notes that risk must be monitored carefully across economic cycles.

Supporting Micro Businesses Through GX FlexiLoan

GX 3.0 also focuses on micro and small businesses. GXBank’s Business Banking unit, together with its Jaguh Niaga initiative, aims to equip micro entrepreneurs with fast, flexible financial tools.

GX FlexiLoan offers a fully digital journey for sole proprietors registered with SSM, enabling account opening and financing applications in about eight minutes. This reduces the time and administration often associated with micro business financing.

Since launch in September, the bank has disbursed RM25 million in financing to the MSME segment. Many early users come from delivery services, food operators, and small trade businesses. About 70% have actively used their credit lines to support working capital needs. For many of these entrepreneurs, GX FlexiLoan is their first experience with fast, fully digital financing from a regulated bank.

These business banking promotions are valid until 28 February 2026, subject to the applicable terms and conditions.

Strengthening Safety With Technology And AI

Technology and artificial intelligence play a major role in the GX 3.0 roadmap. The bank has reduced fraud case assessment time from around 20 minutes to about three minutes through automation and improved analytical tools.

Security features include adaptive authentication, motion-based selfie checks, and prompts that help detect suspicious activity or compromised devices. These tools support safer onboarding, credit applications, and daily transactions.

GXBank states that these measures are designed to protect customer funds and data while keeping digital journeys quick and accessible, especially for users who may be less familiar with online risks.

Investing In Future Generations

Financial resilience also depends on creating opportunities for younger Malaysians. Through the Impian GIGih programme, GXBank has provided bursaries to more than 1,700 underprivileged primary school students. It also supports 18 university students from lower-income households, with a second batch of scholars already in progress.

These initiatives complement the bank’s commercial goals by helping to expand long-term access to education and social mobility.

Building The Next Million Dreams

The 1,000,000+ Impian Malaysia campaign brings together GXBank’s savings, lending, business banking, and security initiatives under one theme: enabling Malaysians to reach their goals with tools that are flexible, fair, and easy to use.

For savers, the focus is on structured habits and better returns. For borrowers, the emphasis is on fast access and responsible use. For micro businesses, GXBank aims to make financing and digital tools more accessible. For communities, the bank continues to invest in education and inclusion programmes.

GX 3.0 signals GXBank’s intention to deepen its role in Malaysia by helping customers build resilience today while preparing for tomorrow’s opportunities.

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