Because Good Money
Habits Start Young

What is


We enable schools with products & solutions to build cashless ecosystems and instil good money habits in young children


Receive cashless payments for food, school supplies, and fees


Go cashless by using their own reloadable debit card to pay for food & school supplies


Pay school fees via online banking anytime, anywhere

Cashless School Ecosystem

For School

JomPAY service

Collect school / PIBG annual fees, online

For Canteen Merchant

All-in-one payment terminal

Receive cashless payments

Open an account with just RM1 to start earning higher interest/profit on future savings

Junior Savings Account/-i

Parents decide where their child can spend and track their spending instantly online

Junior Debit Card/-i

Enjoy higher interest/profit for a long-term FD/-i (minimum placement of RM1,000)

Junior Fixed Deposit/-i

Children can check their debit card balance and track their spending while learning how to earn, spend and save responsibly

HLB Pocket Connect App

Money Savvy

Promote financial literacy and the adoption of cashless payments among young children


Empower our community to teach good money habits with HLB 3-in-1 Junior Account/-i & HLB Pocket Connect App


Encourage cashless adoption at a young age and ensure financial inclusion as we move into a cashless society

Cashless Schools

Money Lessons for Youth

Financial literacy is a core life skill for participating in modern society. The youth are growing up in an increasingly complex world where they will eventually need to take charge of their own financial future.

Let’s empower them to make sound financial decisions with these helpful tips and resources below, made available on the 1st of every month.

Transform your school into a cashless ecosystem with us today

The app to learn good money habits

HLB 3-in-1 Junior Account/-i comes with the 1st Pocket Money App in Malaysia to help children in learning to earn, spend and save responsibly.

Don’t have an HLB 3-in-1 Junior Account/-i?

If you have not opened an HLB 3-in-1 Junior Account/-i for your child, just make an appointment with our Deposit Relationship Manager here and we'll help you open an account.

Make an appointment
(No bank visit is required, we will come to you)

Terms and Conditions apply.
Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.