If you:-

have 30k,
-OCBC Booster Account (3.25%pa for deposit of >=30k)
https://www.ocbc.com.my/personal-banking/Ac...ster/index.html

have 50k
-UOB eAccount (3.60%pa for deposit of >=50,001, calculated on all balances on the condition 50,001 is met ->based on UOB deposit calculator)
https://www1.uob.com.my/personal/save/savings/e-account.page
https://www1.uob.com.my/default/calculators.page
https://uniservices1.uob.com.my/jsp/calcula...sav_deposit.jsp

P/S: For the above accounts, you only need to maintain the minimum balance to be entitled for the mentioned interest rate, you may still use it on daily basis, NO-LOCK IN PERIOD [so long as min balance is maintained]

This post has been edited by a.lifehacks: Jul 18 2018, 04:51 PM

Bank Rakyat is not protected under PIDM