Yes, but still, it does not continue after that. I signed up for a 1k/month 5yr Insurance, so... I'm kinda stuck with it for no benefit after 1 year.

Thank you very much! I would like to ask if there any maintenance fee require for this account? Like RM 8 for its debit or other annual fee?

This post has been edited by datolee32: Jan 27 2021, 09:49 AM

RM10 if MAB is less than rm1k in preceding 6 months. Rm8 debit card fee if I remember correctly.



This post has been edited by smartfreak: Jan 28 2021, 10:41 AM

I see, thanks for the information.

Any recommendations for the best high interest savings account available in the market now? I'm currently looking at OCBC Frank, OCBC360, and Citibank Step Up

RHB Smart Account

RHB Smart Account/Account-i, if you're able to deposit 2k monthly + spend 1k monthly + pay 3 bills, get up to 2.85% pa.

they also have a bonus invest interest where you get 1% pa based on that month's net investment amount, minimum 1k monthly

I just only started out my carrier, is there any other high interest savings account with lower requirements? Deposit 2k a month is like half my salary d

OCBC 360 is lowest requirement for monthly deposit (monthly requirements: deposit rm500 get 0.8% + spend rm500 via debit/credit card get 0.8% + pay 3 bills get 0.8%), max bonus interest for getting all requirements is 2.1% pa (not include 0.05% base interest) currently.

If you just want to park money without spending then OCBC Frank is a nice option that's equivalent to FD rates, but allows you to maintain some liquidity.

This post has been edited by DragonReine: Feb 3 2021, 09:44 AM

RHB Smart Account / Smart Account-i, which one to choose?

Is there min amount for the 3 bills paid online?

I already have a RHB savings account, can I avoid getting a new debit card for this smart account?

This post has been edited by 7498: Feb 3 2021, 05:17 PM

1. Both account same, either one will do

2. no min amount

1) Smart is conventional account, Smart-i is under Islamic Banking (Shariah compliant) with Commodity Murabahah (cost plus profit) concept. Functionally both are identical (to make sure Islamic and conventional are competitive). However if your source of funds/income for your account is "non halal" (example: business is selling alcohol or pork), then they will most likely decline you from opening Smart-i, and will direct you to open Smart conventional instead.

2) No minimum amount.

3) You can negotiate with bank to opt out during account creation. Since you have existing relationship you don't necessarily need another card.

This post has been edited by DragonReine: Feb 3 2021, 05:41 PM

Thank you so much guys for answering my questions.

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This post has been edited by GrumpyNooby: Feb 22 2021, 12:30 PM

Hi, regarding point 3, what if the branch officer insisted that the SMART account can only be opened via online (cannot be done via walk-in) for justification & will be forced to get a new debit card? What actions can I take to proceed further to get a new SMART account without debit card?