I didn't see HSBC advance account get mentioned here. I think recently they are offering work@perks smth like that where if you deposit your salary into the HSBC advance account every month, you don't get charged for account fee and you get 3% interest on your average balance for the month, and also you get free atm withdrawals at any bank.

So even if your current salary is not deposited into this discount, just set a standing instruction to transfer say 2500 every month to this account to activate all these features.

Well, I did not own a HSBC account before I apply for this account, and certainly they did not ask me for my payslips or whatever. What they did was they asked how much is my salary, and they informally implied that above RM2000 is fine but if more the better. They confirmed to me that it can be transferred from anywhere as long as it is shown in the account that there is a sum of money (minimum 2k or more) coming in every month.

Well, I did not own a HSBC account before I apply for this account, and certainly they did not ask me for my payslips or whatever. What they did was they asked how much is my salary, and they informally implied that above RM2000 is fine but if more the better. They confirmed to me that it can be transferred from anywhere as long as it is shown in the account that there is a sum of money (minimum 2k or more) coming in every month.

I did not go through their actual T&C on this but anyway I have asked my company to transfer my salary to this account,

but the staff at hsbc did confirm that the source of fund can be from anywhere. Even if you transfer in 3k today and withdraw tomorrow also nevermind

thank you for the hardwork 

I kinda think RHB bonus saver deserve to be in the list as it can achieve same rate as HLB pay and save with lesser effort. Anyway thank you for compiling the list

anybody knows if the existing RBH BSA debit card which is FOC, is tagged to a new RHB Smart Savers as primary, will I be charged annual fee?

Hey guys. I opened RHB BSA & Smart Acc. It charged me RM12 for the debit card.

How about you all? RM12 or 8?

I have a very frustrating experience with RHB recently. I applied for RHB Smart Account online and received the e-mail and SMS asking me to activate it at the branch. According to the e-mail, I only need to bring my IC and RM1,000. It was supposed to be a straightforward process.

I went and was told I cannot activate it because I do not have supporting documents like payslip etc. The e-mail did not mention anything about supporting documents. Since I am unemployed, I could not provide that. I asked if unemployed is not allowed to open an account and was told that is not the case but must have supporting documents. I asked what documents are needed then, but was asked what I can provide instead. I was willing to comply but did not get any definite answer on what supporting documents are needed. Why do I even need to provide my payslip etc. in the first place? I am not applying for a credit card here. Is that really RHB's SOP for account opening?

I was later told that I cannot open the account if my purpose is for savings because I already have accounts with other banks. I was asked why I want to open account with RHB when I already have accounts with other banks. I told her upfront is because of the higher interest. She said in that case, I cannot open the account then.   I can only open the account if I am willing to open an FD or investment account with them. Then, they can use the FD cert or investment account as a 'supporting document'. How ridiculous is that? Why force people to open other accounts just to activate the Smart Account?

Why ask me to go to branch if they cannot open the account for me? Everything was already there with account no., internet banking login and all the staff needed to do was just activate it. I believe she was just lazy and came up with all these stupid excuses. If RHB's staff continue with this type of practice, they will be losing a lot of potential customers. Even with good rates and promotions, they would not be able to increase their market share significantly.  It's like when potential customers want to open an account, they ask them to go to their competitor or stay with their competitor instead. With the emergence of digital banks, RHB could become obsolete if they don't adapt quick enough. I rather deal with digital channels than branch staff. At least, no double standard and everything is transparent and upfront.

certain branch like to come out with their own rules. definitely not one of the requirements. u can either bring it up to bank negara or go to another branch.

Premier Membership: Maintain AUM of RM 250k or earns a monthly gross salary of RM16,500 and above

Advance Membership: Maintain AUM of RM 100k or earns a monthly gross salary of RM5,000 and above

So for my case, tagging zero AF debit card to RHB Smart account, what will the new debit card annual fee be?

You asked, yes. But did you follow through? I find bank staffs knowledge questionable sometimes, especially when it comes to edge/rare cases.

Yet it fails to mention that you CAN have a RM0 debit card.

My Maybank savings account (from Yippie days) is not a BSA and yet I was able to get RM0 debit card fees.

Anyways, this matter can be easily put to rest by a forumer who had a free BSA DC tagged to Smart account. What was the outcome?

i think only OCBC has this kind of cutoff time for saving acc