BEFORE the interest rate change, this is the BEST saving accounts in the market as you only need to work on the condition for the first year. Second year onwards you do not need to do anything more to enjoy 2.65% base rate; but now it is only 1.4%.

I am on Air Asia Savers and Petronas Savers, safe for now...Anyway, it is already extremely low, dont know how they gonna adjust further...

Yeah, for within RHB, try their Smart Accout. With a few clicks on RHB Now, you will get your account opened in no time as you already have banking relationship with RHB. But remember, fulfilled the save portion first before you can qualified for Spend, Pay & Invest.

Yeah, interest is peanut, just aim for the RM 5 and Air Asia BIG points.

Opened one online not long after it launched back then. But only this month start to try to hit the spend and pay bills tiers. Save tier just chip in and chip out RM 2K will do. Reload BIGPAY counted as spend via debit card. One thing i like the most is they got tiers progress indicator, showing you what criteria you had achieved for the month.

BIGPAY debit card reload is still unlimited, reducing limit is on credit card reload.

Can open online in no time, just few simple steps, no need go branch later on IF AND ONLY IF you are an existing customers with RHB Bank with RHB Now access and of course an existing debit card.

Pay bill no state minimum amount from the FAQ, but for the first time this month I try RM 20 - RM 30 each, next month plan reducing the amount.

But the most important thing to note is you MUST qualify for SAVE portion before SPEND and PAY.

This post has been edited by acejlsh: Jun 4 2020, 08:13 PM

My experience is it should auto switch to Smart Account for spending after your account is active. Debit Card is the same piece, one card can be tagged with few accounts, all banks are the same. However, do a test with small amount spending first to confirm before you spend further.

Yea Debit, no RHB Credit Card for me. Status result for SPEND already turned green tick today. Posting on 2/6/20. Status update always late 2 days minimum.

Yes, this is the BEST thing that RHB Now can do for us for Smart Account.

Yes, 15th subsequent month.

Yes, status tracking is minimum 2 working days behind. Spend update is 2 days after posting date.

My original account is RHB Bonus Savers. Can't really remembered it already as few years liao. As far as my memory served me corrrectly, it is auto, maybe you wait a few days. And test a small amount online purchase a week or two later see whether they deduct the funds from which account.