Affin Bank Basic Savings

With initial deposit as low as RM20, enjoy the benefits of high interest rates, free of charge selected internet banking transactions, debit card facility and quarterly statement.

Affin Bank Basic Savings
Interest Rate
0.15% to 1.1% p.a.
Min. Deposit
Account Statement

Interest Rate

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

Min. AmountMax. AmountInterest Rate
RM1RM9990.15% p.a.
RM1,000RM4,9990.25% p.a.
RM5,000RM19,9990.35% p.a.
RM20,000RM99,9990.4% p.a.
RM100,000RM499,9990.6% p.a.
RM500,000RM999,9990.8% p.a.
RM1,000,000No maximum1.1% p.a.


What would make it different?

Online Banking
PIDM Protected
Up to RM250,000
ATM Card

Fees & Charges

ATM Card Issuance Fee
MEPS Withdrawal Fee
Overseas Withdrawal Fee
Early Closure Fee
Inactive Account Fee


Minimum Age
  • 12 years old
Minimum Initial Deposit
Minimum Balance
Who can apply
  • Malaysians
  • Foreigners

More Information

Who can apply for Affin Bank Basic Savings account?

All Malaysian citizens and permanent residents can apply for Affin Bank Basic Savings account, either as an individual or a joint account with another person. 

It is easy to open a basic savings account as no introducer is required and the initial deposit is very low, which is RM20 only.

The minimum age required to open an individual basic savings account is 12 years old.

For minor below the prescribed age, you need to setup a Trust Account with a parent or guardian. 

What benefits can I get from this savings account?

As the name implies, a basic savings account provides you with the essentials of money management tool such as cheques and cash deposits, ATM withdrawals, fund transfers, statement, online banking facility, debit card (with or without Annual Fee options) and statement among others. 

When you sign up for an internet banking at, you get to enjoy free of charge services on selected transactions such as account enquiries, online bill payments and fund transfers (except for GIRO).

How can I track my cash flow?

Affin Bank provides more than one convenient channels for you to access and manage your cash flow, at your convenience. 

You can choose to keep track of all your transactions, spending, fund transfers etc via a passbook or statement.

For the former, you can perform all your banking needs over the counter at the branch, whereas the latter gives you the flexibility to do so anytime and anywhere, as long as you have a device that connected to internet, or have it delivered to your mailbox over a charge, however. 

What happens if my account is inactive for too long?

Dormant accounts for 12 months with balance of below RM10 will be closed automatically after 2 reminders, with the balance to be absorbed by the bank.

If you have more than RM10 in the dormant account, Affin Bank will levy a portion of it as an annual service fee.

Is my money protected under PIDM?

Yes it is. Your deposit is guaranteed under the care of PIDM for up to RM250,000.

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