Starting this topic for discussion specific to the RHB Smart Account/i.

https://www.rhbgroup.com/smart/index.html

The T&Cs as at 15 June 2023 (effective 1 Jan 2023) are as follows:



This post has been edited by contestchris: Jun 15 2023, 11:36 PM

SAVE RM2000 +1.8%
PAY 3 bills +0.75%
SPEND RM1k +0.75%

Max 3.3% done

consider uob one if u have 100k

now RHB SMART ACC --- for normal ,

can get ---> 0.05 + 1.8 + 1.5 ==> 3.35% .....

and this need to pay x9 bill .


correct ?
just slightly higher that ocbc360

the pay x9 bill ....

x9 diffeent bill ?

or can x9 same bill ?

https://www.rhbgroup.com/-/media/microsites...es/SmartTnC.pdf

This post has been edited by lkwah86: Mar 17 2025, 12:54 AM

seems so convoluted although they quote examples >6% interest. UOB one still preferable, more straightforward, need 2 categories only.

on top of multiple conditions, the Bonus categories (Spend, Pay, Convert, Trade) only will be granted conditional upon Incremental balance of Monthly Average Balance, means every month have to monitor to make sure the bank account balance is increasing and cannot reduce. Sounds like alot of work but the rates are attractive

Has anyone been targeting the latest Smart campaign?

When does RHB credit the special "bonus" rates? Is it on the 15th of the month, or sometime later?

For some reason, I am not seeing the bonus for the Joy@Work. Anyone faces simialr issue?

This is my transaction for last month
"SAVE" bonus came in 15th
Then the rest came in bulk on 20th


I can't see in details.

What's included in the 20th credit. Do you know what you qualified for and does it tally?

I did received sms from RHB that my smart account is in new "prevailing" product rate and to be received by 3rd week of the month.
Hence I assume these bonuses are for my smart account.
I roughly know which I am qualified but didnt do any calculation to tally it.

I am confused now as the "spend" interests I used to get on the 15th has stop.

I have no idea what is "retail deposits".

Everything except SAVE is now credited on thr 20th under RHB Retail Deposits

Right. But means without breakdown, customers will not know what is for what. And the App doesn't tell if the targets have been achieved. Have to manually keep track.

under clause 18, but i think i do update email address, but, didnt receive notification...

Eligible Participant(s) will receive notification updates via email on the Bonus Rates fulfilled on
a monthly basis. If the Eligible Participant(s) did not provide RHB their email address details
when the CASA/-i was opened previously, they will not receive any notification updates.
However, Eligible Participant(s) can submit or update their email address by submitting the
request via Secured Message in RHB Online Banking or walk in to the nearest RHB Branch.

I didn't receive either. Their system setup is incomplete.

In the past, I was get the monthly email for previous Smart campaign.

The CS told me the other bonus interest will be given in 3rd week of the following month... but, no specific date..

But, I cant find in the TnC on the 3rd week of the following month ...

I received sms from RHB on 3rd week


I guess my other bonuses will come in 3rd week.

This post has been edited by ineser: Apr 21 2025, 10:07 AM

last week should consider as 3rd week of April, no?

I have yet to receive too..

Just received my lump sum bonus today together with my credit card cashback

Yes same, I got total 1.5% today.

1.0% for Joy@Work
0.5% for Spend
1.0% for Save
0.05% base rate

Total 2.55%

Will go for the Pay bonus at >RM10k tier this month. Should be able to then get 4.05%, which is a pretty good rate.

Ya, saw it ytd evening too. Morning don’t have, evening only credited.

What categories you go for and is it correct?

i notice i receive more than what i suppose to.. i.e. i receive 2 save interest...

I go for Pay, Spend, Deposit.

No such thing double of Save interest. You sure about it?

Very nice...for Joy@Work, do you have to do anything to re-activate?
I still can login to their Joy@Work site, but I have not regularly use/deposit into my RHB Smart Acc for over a year now

Not sure, but I have extra interest, amount exactly same as my save interest . maybe there r other categories that I accidentally got it..

Anybody knows if we can get BOTH bonus interest and loyalty points, or only qualify for one of them? If you can only pick one...how/where to do so?

From the T&C (Clause 1.28):

There are 2 options available to earn from the RHB Smart Account:
a. Bonus Interest Rates or
b. Loyalty Points


https://www.rhbgroup.com/-/media/Assets/Cor...ing_tnc_eng.pdf

Very nice new interface that transparently shows your bonus rewards. You can make the choice between earning higher interest rate or loyalty points here. Only accesible via online banking.

How long only the "Smart Rewards" tier level for Pay, Spend and Deposit \will appear on the RHB apps, if i newly open the RHB Smart account today? Why it's not reflected immediately?

This post has been edited by leo_kiatez: Jun 20 2025, 03:09 PM

Is this RHB Smart or UOB One account better ?

Mine also same doesnt show up, just got the account today. Is it normal ? Or i missed something ?

It's abnormal for mine case. The CS told me should reflect instantly, so I told them to correct it. During your account opening, did you mention to sign up for bonus interest rate?

RHB update no more show this fulfillment tab , wonder why. Even the branch i go also say no more, only can know the interest when they credit each 15th of the month.

early this year also no more tracker for what bonus interest we fulfilled... need to track urself...

Now there is an tracker on the app and website

This post has been edited by contestchris: Jul 11 2025, 11:24 AM

meaning we need to choose whether we wan bonus rate or points? if we didnt choose, what will it be, didnt receive email said we need to choose.. so, i thought we will just continue to get bonus rate.,..

This post has been edited by mamamia: Jul 11 2025, 02:00 PM

Tracker shown after 3 days of account activation.


This post has been edited by Yaowarat: Jul 17 2025, 12:18 AM

anyone receive save bonus interest today?

https://www.rhbgroup.com/smart/index.html#:...e%20or%20invest.

max can get 6.85%?

it seem easy to have 5.25%, Any sifu here can advice?

This post has been edited by xiaoxiaoshen: Jul 17 2025, 04:51 PM

Yes correct 5.25% is easy.

ya, just effective rate getting lesser month on month due to the IAB requirement.

wonder if you telling the truth?
the title of this forum : "RHB Smart Account/i - Interest Rate up to 3.35%"
and few pages back had discussed from 2% upto max 4% only

It is real. It can go higher when u fulfil more of item 4.

yeah, seems pretty interesting. there is another another option if got more cash. 3.8% - 4.2% in Versa up to RM300k for next 6 months.

no need spam the versa promo to multiple topics la

Interest for June 2025 is in.

just got my smart acc. some query for below maybe sifu can advice:



if already joy@work customer, still need to transfer from other bank 2k every month? can my payrolls as saving 2k inside.

and the interest 400++ (100k @ 5.25%) debit in acc count as monthly increament of 1000.

This post has been edited by xiaoxiaoshen: Jul 28 2025, 03:20 PM

Anybody received BONUS 1 (SAVE) for June 2025 1% interest (normally pay on 15th of month)?

Received one lump sum on 22 July under "RHB RETAIL DEPOSITS"

what is considered 'deposit 2000 into rhb smart account'?

if say i transfer 2000 to maybank from rhb, then withdraw from maybank, then deposit back to rhb considered fullfilling the requirement? or must be fresh fund say from last 30 days ?

just need to transfer RM2k from other bank will do.

There are issues again, expect delay in crediting of July interest

https://www.rhbgroup.com/-/media/Files/othe...H20250801-1.pdf

i had ask thru counter, you need to enrolls joy@work, when your salary deposit it consider 2000 transafer in, it mean you will get bonus 2% (joy@work 1% n deposit 2k 1%)

refer to above, 1000 increase from your acc balance at 30/31 last month?
mean 31 jul balance is 50000, then closing balance for 31/8 needs 51000.
or in apps i did saw monthly average balance? this abit difficult to control the increase by 1000. this maybe use for calculate the interest? example monthly average balance 50120 x 6.85%/12 = RM286?

Spend with credit / debit card 1000 , online and ewallet topup count as spending ?

yes, even buy TNG pin from apps is counted.

Thats great , thanks !

what is considered payment of RM25 bill? Must use jompay in the RHB apps? cannot pay direct from say TNB apps?

To be safe side, use JOMpay from RHB app.

I choose smart reward points

I put money into housing flexi loan

Is this account the highest conditional saving compare to others ? Actually quite easy to hit , previously using UOB One

there's a consolidated topic with high-yield SAs: https://forum.lowyat.net/topic/4439367

perhaps can do some reasearch from there

Possible to set up a recurring transfer of RM25 x 3 days every month?

Separately any recommendations on best credit card to fulfill the RM1k / mth expense on card?

I remember there used to be bonus when paying into RHB housing loan.. But looks like that's gone now?

which app to buy tng pin from?
I tried reload tng ewallet directly in ewallet app itself, seems not counted, the amount not showing in rewards page.

How do we see if joy@work bonus is active?

cant see it is active, but your level 1 got 2% in apps, then it had active.

To any others who are trying, confirming that recurring transfer to TNB of RM25 3x a month works for one of the level 2 bonus

Anyone yet to receive the Jul 2025 bonus interest rate? I've yet to get mine.

Just received mine on 22 August. RHB retail deposits

I didnt. Damn need to contact the idiots. RHB really menyusahkan

EDIT: turns out tng ewallet direct reload using debit card is eligible for the RM1000 spend criteria, just the transaction not reflected immediately
transaction maybe 2-3 days later, rewards page another 1-2 days after transaction reflected

so no need to get a separate credit card then?

yep no need, debit card will do

if you alway have .100k deposit, you may exchange RM3000 to USD each month, you will get extra 1.6% each month (rm131.50), then exchange it back, it lose rm20 only. am i correct? if you dont exchang it back you can plan foreign weelky term deposit got high interest too 4%/annual. (min placement usd2k)
of course lah it have some risk on currency up n down

Can you go in and out instantly? How easy is it to apply for the account and debit card? What are the fees attached to the account and card?

yes, just use finger scroll n click. RHB rejected me few times for shell CC, then i become premier to apply for their Shell CC. then they offer me for this multicurrency account, and it is good i can pre exchange my currency n use it at oversea without the converison fee. for the fees i guess is just annual debit card fees.

Can you convert in and out on the same day?

Also, there is obviously a conversion fee, which is the bid-ask spread.

Typical credit card conversion fee for foreign currency transactions do not have a bid-ask spread, but instead a 1% or 2% fee based on the actual exchange rate.

no try same day, dont kill chicken n get egg.

no fees, it is stragiht forward. rm4242 you get usd1000.

the fees are within that conversion rate. their rates are quite high compared to others like Wise or Maybank. When you convert it back to MYR you'll be able to see the spread difference and lose out on that. That's the fee.

Separately, if I want to use the foreign currency to transfer out, have you tried that? are there TT / transfer charges?

after sell the amount will back to your smart acc, to use the money just use with your debit card. it will automatic deduct if you have the currency bal. if you use Eur 20 it just minus the exact amount without fees.

i brought the Euro at 4.928 last month, if sell seem good rate.



This post has been edited by xiaoxiaoshen: Sep 3 2025, 06:25 PM

received the bonus interest ytd, credited so early this month.

7th of the month is on-time based on the revised T&C. Last 2 months, they had system issues which have been resolved.

this month suddenly the joy@work doesnt work , usually i just transfer in few k into the account and it will capture as salary. anyone have this problem ?

how do you normally see if joy@work is active? I can't tell at all.

Normally is 2% if the joy@work is activated , somehow felt this rhb system is quite buggy on this smart account.

I got Joy@Work. See if the details are correct for your work

so u mean u just transfer from your other acc to capture as salary. It is not your actual company transfer salary to this joy@work acc? Its work like this?

No, it is an actual salary credit from my company.

Yes I see 2%. But I don't actually credit my salary into the account.

Joy@work terminates after 6 months if there is no salary credit

The rhb staff told me just enroll into the program and transfer 3000 and above to the account every month from any account can already , last month i got it ( the first month ) but this month is not .

Do you know if the debit card can be cancelled etc?

so mean i still can enjoy the extra interest by fulfill the tast without actual salary credit from my company?
if yes, then i will go and open this acc