CIMB you need to spend RM2.5k, so i think RHB is a better deal. Bill payments can be made in minimum RM1.

How much is the annual fee n card fee for this rhb smart acc?

what does" Consumer Banking Segment only" mean?
i have shell credit card with RHB, can i just apply online?
any fee charges?

Yes which is exactly what I said in the final paragraph

For me is nil as my debit card is the zero annual fee version.

I presume consumer banking means individuals like us (as opposed to business/commercial banking).

I'm not sure if you can apply online with just a credit card.

I already had a RHB debit card (along with the Shell CC) and yes, I was able to apply online. They just retagged my primary for debit card from SA to CA.

Yes you can withdraw anytime. It's just a transaction record. But beware, need to have average balance of RM1k/month.

In any case, if you don't even have a an average balance of even a thousand Ringgit, quite pointless cause at that point any difference in interest rates is just a matter of a few cents.

This post has been edited by contestchris: Jan 7 2023, 07:00 PM

I've uploaded the conditional bonus rate for RHB here for easy reference:

Went to RHB to ask, they replied debit card cannot waive fee.
Tried to find online the zero annual fee version but cant find.
Able to share further on this?

long story short, get a basic savings account with no annual fee debit card. then open smart account via online (debit card with fees tagged to the account is optional).

https://www.rhbgroup.com/personal/personal-...ount/index.html

Yes bingo. Don't tell them anything about Smart Account.

In my case I opened for my HL. Only later I created the Smart Account.

See the two versions here: https://www.rhbgroup.com/personal/personal-...ount/index.html

Sometimes they will bodo2 don’t know about the zero annual fee version since the bank obviously cannot earn fees in such a scenario. Threaten to report them to BNM and suddenly they will remember and allow.

This post has been edited by contestchris: Jan 10 2023, 10:28 AM

I already got the BSA with debit card so can just open the Smart acc minus debit card online without the need to go d bank?

i did previously. but not sure if they updated the latest application system.

for those using RHB smart account.

for 2023, the bonus interest is higher this year
1.8% for the deposit
pay 3 bills +0.5%
pay 6 bills +1.5%

within your online banking or app, after paying 6 bills, the pay bill part will still say +0.5%. is this consistent with what you are seeing? just comparing notes to make sure.

This post has been edited by adele123: Jan 14 2023, 04:53 PM

it will pay 1.5% just that you receive it mid of next month. I have been getting paid for all so far

Yes. The BASIC Smart Sccount features is still rm2k deposit, 3 bills and rm1k card spend.

The BONUS features of 6 bills, rm2.5k card spend, mortgage etc are NOT captured in the app.

If I only have RHB smart acc, can I cancel the debit card?

I don't even apply a debit card when open RHB Smart account, I tell the cs I don't need one

so your smart account is 0 fee? same as basic saving acc?

I remember I rrad the TnC, no charges for Smart acc alone, also double confirm with the officer who assist me on the account opening.

4 mths plus already, so far no abnormal charges