Affin Bank

Affin Gold

Specially designed for senior citizens of 50 years and above, celebrate your golden years with higher deposit interest rates, complimentary personal accident coverage and 10% off on General Insurance products - all for a lower initial deposit RM1,000.

    • Phone Banking Service
    • Free Passbook
    • Account Statement
  • Min. AmountMax. AmountInterest Rate
    RM1RM49990.75% p.a.
    RM5000RM999992.05% p.a.
    RM100000RM4999992.6% p.a.
    RM500000RM9999992.8% p.a.
    RM1000000RM49999992.85% p.a.
    RM5000000no maximum3.15% p.a.

Features

What would make it different?

Online Banking
affinOnline.com
PIDM Protected

Fees & Charges

There are always fees but how much are they?

ATM Card Issuance Fee
RM10.00
MEPS Withdrawal Fee
RM1.00
Overseas Withdrawal Fee
RM12.00
Inactive Account Fee
RM10.00
Early Closure Fee
RM30.00

Requirements

Are you eligible for this account?

Minimum Age
50 years old
Minimum Initial Deposit
RM1000

Frequently Asked Questions about Affin Gold

Things you might want to know

Tell me about Affin Gold.

A savings account targeting at customers aged 50 and above, offering attractive banking features and financial benefits that commensurate with your wealth needs. Think of it as a safe box with investment interest in mind.

It is worth mentioning that the interest rates will be calculated daily and credited into your savings account every month. So, the more you save into this savings account, the higher the returns you will get on your deposit - you reap what you sow!

If you look at it closely, your savings account interest rates could be on par with any fixed deposit instruments. Plus, your deposit is guaranteed under the care of PIDM for up to RM250,000.

How does the interest rates work?

Affin Gold provides tiered interest rates depending on the amount of deposit you placed. For example, if you have a cash pile worth RM5,000 for starter, the interest rate applicable to your deposit will start from 0.75%. And remember, the interest rate is calculated daily!

You can always add more money into Affin Gold to gain higher interest on your deposit. There is no condition requiring you to keep the money for a certain period in order to maintain the interest rate. You can withdraw the money anytime you wish as it is your savings account!

What benefits do I get from Affin Gold?

The best part about savings with Affin Gold is that you will be qualified for a complimentary personal accident insurance, when you maintain a minimum account balance of RM5,000 at anytime. 

Personal accident coverage is pertinent, especially for senior citizens, as it will mitigate the financial consequences of your own and your loved ones when facing with death or total permanent disablement.

That's not all, you will also be entitled for a 10% discount on General Insurance products, such as Home Insurance, Car Insurance or Travel Insurance among others, with Affin Bank affiliates.

How do I track my cash flow?

Affin Bank provides a slew of channels for you to access and manage your cash flow, at your conveniences. You can choose to keep track of all your transactions, spending, fund transfers etc via 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. 

Sign up for affinOnline.com internet banking facility in order to view your statement or have it delivered into your email every month. That way, you save energy and cost, eventually contribute to the welfare of our environment.

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