RHB Smart Account

Pay, spend, save & invest via RHB Smart Account to earn attractive bonus interest rates. Manage cashflow & bill payments conveniently via multiple platforms.

RHB Smart Account
Interest Rate
0.25% p.a.
Service Charge
Min. Deposit
Account Statement

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
RM1,000No maximum0.25% p.a.


What would make it different?

Online Banking
Mobile App
PIDM Protected
Up to RM250,000

Fees & Charges

Service Charge
RM10 every 6 months waived with monthly average balance of RM1,000
ATM Card Issuance Fee
MEPS Withdrawal Fee
Overseas Withdrawal Fee
Early Closure Fee
Dishonoured Cheque Fee
Stop Payment Cheque Fee


Minimum Age
  • 18 years old
Minimum Initial Deposit
Who can apply
  • Malaysians
  • Permanent Residents
  • Foreigners

More Information

What is the product about?

RHB Smart Account is a current account that rewards accountholders with attractive bonus rates based on the banking transactions you perform. To begin, you only need to deposit a minimum of RM1,000 into this checking account to enjoy up to 3% p.a. return on your savings!

What benefits can I get from RHB Smart Account?

First, you get to experience RHB’s seamless banking services such as internet and mobile banking via RHBNow where you can perform online fund transfers, manage bill payments and what-have-you.

Besides, a debit card will be issued to you upon opening of RHB Smart Account. If you have already own one, just link it to the checking account. You can also request for a cheque book if you like to go old-school.

Interestingly, the more you save and transact with this current account, you will receive Bonus Interest Rates!

Tell me how to earn Bonus Interest Rate.

There are ways you can go about to earn 3% p.a. with RHB Smart Account:

  • Save; a minimum of RM2,000 in a month to get additional 1.5% p.a.
  • Pay; a minimum of 3 bills every month via online and mobile banking to get additional 0.5% p.a.
  • Spend; at least RM1,000 every month with RHB Credit or Debit Card to get additional 0.5% p.a.

That's not all, RHB will give you a bonus 1% p.a. on your net investment if you Invest a minimum RM1,000 in selected RHB’s Unit Trust (non-EPF) and PRS products.

Is overdraft facility available for this current account?

Sadly, overdraft facility does not come with this product.

Is it safe to place money in this current account?

Absolutely, 100% no doubt about it. Your hard-earned savings placed in this current account is protected under Perbadanan Insurans Deposit Malaysia up to RM250,000.

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