If you cannot maintain daily balance of RM 2000, it is better for you to open Maybank2u Savers-I (Islamic saving account).

RM 250 to RM 1999: 0.4% Interest per annum (this interest is not offered by conventional Maybank2u Savers.)

RM 2000 to RM 50000: 2.0% Interest per annum

Of course, if your balance is much higher than RM 2000, it is better to place the excess amount in e-General Investment Account-i (e-GIA-i), to enjoy 3.6% Interest per annum.

That is the way to fully maximize the interest gained. But, if Maybank2U website is inaccessible due to system down (which should be rare), you cannot uplift the e-GIA-I, and withdraw the cash, in case of emergency.

That is why I have both Maybank2u Savers and e-General Investment Account-I. Then again, different people will have different ways of managing their saving accounts, and there are no right or wrong ways.

This post has been edited by kart: Nov 5 2016, 09:16 AM

If I remember correctly, the interest rate of Maybank2u Savers (for the deposit amount of RM 2,000 to RM 50,000) is as follows, along with the OPR for comparison.


Before July 2016: OPR, 3.25%
Interest rate of Maybank2u Savers: 2.25%


July 2016 to December 2017: OPR, 3.00% (decrease of 0.25%)
Interest rate of Maybank2u Savers: 2.00% (decrease of 0.25%)


January 2018 to April 2019: OPR, 3.25% (increase of 0.25%)
Interest rate of Maybank2u Savers: 2.00% (unchanged, )


May 2019: OPR, 3.00% (decrease of 0.25%)
Interest rate of Maybank2u Savers: 1.80% (decrease of 0.2%)


Sigh, when OPR was increased to 3.25% on January 2018, the interest rate of Maybank2u Savers should have been increased to 2.25%.

As such, when OPR was decreased to 3.00% on January 2018, the interest rate of Maybank2u Savers should have been 2.05%.

We, as banking customers, tend to be on the losing side.

This post has been edited by kart: May 10 2019, 10:40 PM