RHB Bonus Saver Account

Enjoy bigger savings with an account that gives you step-up interest rates each month. Start at 0.25% base rate and earn up to 2.65% p.a. in 12 months with an average balance of RM500.

RHB Bonus Saver Account
Interest Rate
2.65% p.a.
Min. Deposit
Phone Banking
Account Statement
eStatement (via email)

Interest Rate

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

Min. AmountMax. AmountInterest Rate
RM500No maximum2.65% p.a.


What would make it different?

Online Banking
Mobile App
PIDM Protected
Up to RM250,000
SMS Transaction Alert
ATM Card

Fees & Charges

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


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

More Information

What is so special about this savings account?

Everyone saves money for different purpose in life but there's one thing in common, everybody needs to save. 

No basic savings account could drive or motivate you to keep your money off your itchy hands like RHB Bonus Saver Account.

With this savings account, not only you will enjoy high interest earnings on your account balance, the more you save and the longer you save, the more interest you'll get.

So how does the interest rate work?

You will get a fixed interest rate at 0.2% to start. 

On top of that, if you maintain a monthly incremental average balance of RM500 in your account, you'll get a bonus interest rate of 0.10% each month, up to 12 consecutive months. 

Average balance is calculated by taking day end account balance for the entire month and divide it by number of calendar days of the month. Let's look at the series of events below to understand it better:

  • At the end of May, Ahmad has an account balance of RM4000
  • On the very first day of June, he deposits RM1200 into his account which brings up the account balance to RM5200
  • On 12th of June, he makes a withdrawal of RM900 from his account and the account balance drops to RM4300
  • On 28th of June, he deposits RM400 into his account which increases the account balance to RM4700

The average balance would be calculated as [(RM5200 x 11 days) + (RM4300 x 16 days) + (RM4700*3 days)] / 30 days = RM4670. Comparing to the previous month account balance, there's an increase of RM670 which fulfills the requirement for bonus rate. So for the month of June, he is entitled to 0.3% interest rate (0.2% + 0.1%).

If he continues to achieve a monthly incremental average balance of RM500 for the next month, he would get 0.6% (0.2% + 0.1% x 2) for that month, the bonus rate will be accumulated. The highest interest rate goes up to 2.75% over a year (0.2% + 0.10% x 12 + 0.10%), 0.10% extra interest will be given upon meeting the RM500 monthly incremental average balance requirement throughout a year.

Who can apply for RHB Bonus Saver Account?

You are eligible to apply as long as you are 18 years old and above. To open an account, you'll need to prepare a minimum deposit of RM500.

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