BSN GIRO Account: Smart Junior

Watch your child's savings grow with BSN junior savings account. Get free Membership Card where your children can participate exciting educational activities, enjoy free 24-hour PA coverage and qualify for attractive prizes under Skim Galakan Simpanan Pelajar!

BSN GIRO Account: Smart Junior
Interest Rate
0.35% to 1.7% p.a.
Min. Deposit

Interest Rate

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

Min. AmountMax. AmountInterest Rate
RM10RM1500.35% p.a.
RM151RM25,0001.2% p.a.
RM25,001No maximum1.7% p.a.


What would make it different?

PIDM Protected
Up to RM250,000
ATM Card

Fees & Charges


Minimum Age
  • 7 to 20 years old
Minimum Initial Deposit
Minimum Balance
Who can apply
  • Malaysians
  • Foreigners

More Information

Who can apply for this junior savings account?

BSN Smart Junior opens to all Malaysian students aged between 7 to 20 years old. To qualify into this smart savings account, you must be a BSN GIRO accountholder.

What benefits I get from BSN Smart Junior?

A host of fun and educational activities, besides watching your savings grow abundantly. Get a FREE BSN Smart Junior membership card to enjoy unlimited access to seminars, motivational courses, camping activities, sports clinic, Science exploration and many more!

That's not all, you will be protected under Personal Accident Takaful coverage for 24 hours, with benefits for death and TPD amounting RM50,000 and funeral expenses of RM3,000. 

It doesn't end just yet. You will also be eligible to enter Skim Galakan Simpanan Pelajar (SGSP), which is also known as a savings competition where your children can win attractive prizes all year round!

How the interest rates work?

Interest rates multiply the amount of your deposit after a specific period. Your money will receive interest rate as high as 1.70% p.a. when you save more than RM25,000. This interest rate will be credited into your BSN Smart Junior account every year.

To enjoy all time high interest rate on your money, you must maintain a minimum balance of RM160 at all times. You are also allowed only 1 cash withdrawal per month.

How can I apply for BSN Smart Junior?

All you need to do is to complete BSN Smart Junior application form, which must be signed by your parents or legal guardian, and submit to BSN. You can choose to deposit a minimum amount of RM150, RM300 or RM500 and maintain a minimum account balance of RM10 at any times.

Your Smart Junior savings account membership will terminate when you reached 21 years old.

Search Icon

Get the financial support you need


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