RHB P.A.Y.S Fixed Deposit

Get your interest paid on monthly basis and withdraw your funds whenever necessary with RHB P.A.Y.S. Fixed Deposit!

RHB P.A.Y.S Fixed Deposit
Min. Deposit
Daily Interest
Early Withdrawal

Fixed Deposit Calculator

Interest Rate

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

You DepositDeposit PeriodEffective Interest Rate
min. RM10,0003 months1.95% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM2 Service Charge


Minimum Age
  • 18 years old
Who can apply
  • Malaysians
  • Permanent residents
  • Foreigners

More Information

What is RHB P.A.Y.S. Fixed Deposit?

This is a short term Conventional Fixed Deposit account, packed with multiple benefits.

All you have to do to get started is depositing a minimum deposit of RM10,000.

For this FD, RHB also lets you use your deposit as collateral against an overdraft facility.

So, don't think that your money is doing nothing for you but earning interest, it's working doubly hard as working capital.

What benefits do I get from RHB P.A.Y.S. Fixed Deposit?

Well, if you're the kind of person who likes to invest in the stock markets, there is at least one great privilege that comes with this FD: RHB will waive commission or service charges for the first five cashier orders or demand drafts when you purchase new public shares or rights issues.

Other than that, you can use your Fixed Deposit account as collateral against an overdraft facility on your current account with up to 100% margin.

Not to mention, your interest will be paid monthly into your current or savings account.

Can I make early withdrawals?

Effective from January 2019, when you make premature withdrawal of your money in the fixed deposit account, no profit will be paid on the withdrawn amount, regardless of the number of completed months at the time of premature withdrawal.

Is my money in this fixed deposit account protected?

Yes. Your savings money in RHB P.A.Y.S. Fixed Deposit account is secured by PIDM for up to RM250,000.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product