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The Great Transition
You are now ready to enter the professional world and start building your career. The prospect can be very exciting but also a little intimidating.
Choosing the Best Account for Your Salary
The immediate thing to do upon nailing your job interview should be opening a savings account that suits you.
Remember, your first job would usually mean entry level pay, but it’s never too early to start good savings habits. Focus and celebrate small wins, for any amount saved is a step in the right direction.
The right savings account can help you earn extra interest and reach your financial goals sooner rather than later.
How it Works
Earn up to 3.05% p.a. interest when you make Pay&Save your salary crediting account.



Plus, an extra 0.9%p.a. interest when you invest in share trading.
Overview of Monthly Interest | Interest Rate | Amount |
---|---|---|
Savings Interest | 1.40% | RM116.67 |
Bonus Interest | 1.40% | RM116.67 |
e-Xtra Interest | 1.40% | RM116.67 |
Share Trading Bonus Interest | % | RM |
Total (per month) | 1.40% | RM116.67 |
The information shown is indicative and for illustration purpose only. Hong Leong Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator. Minimum account balance of RM1,000 is required in order to be eligible for Savings Interest. Savings Interest capped at RM500 per quarter, while e-Xtra Interest and Bonus Interest are capped at RM30 per month.
Features & Benefits

Fully Digital Account Opening
- Open an account in minutes from your smartphone with Apply@HLB. And your debit card will be delivered to your address within 14 working days after your account is opened.
- Save yourself a trip to the bank
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Debit Card
- No issuance fee
- Contactless functionality
- When performing cash withdrawals at ATMs select “Current Account”
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Multi-Currency Feature
- The only Malaysian Ringgit savings account with options for 12 Foreign Currencies
- Find out more on how to enable your Multi-Currency Feature
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24/7 Online Access via Hong Leong Connect
- Check balance
- Zero cost DuitNow and IBG
- Cardless ATM withdrawal
- Pay bills
- Prepaid reload
- View & download monthly e-statements
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Share Trading Bonus Interest**
- Earn Share Trading Bonus Interest up to 0.9% p.a. on your trading transactions
- Complimentary access to HLeBroking Mobile Trading, trading tools and market research materials
- Apply for a HLeBroking trading account with ease on Hong Leong Connect by following this simple how-to guide.
**Only applicable for Pay&Save Accountholders with a HLeBroking Trading Account
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Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.
Important notice
Please click HERE for the exhaustive list of fees and charges.
Simply click the “Apply Now” button.
Already have a salary account with another Bank? Don’t worry, you can still apply for a Pay&Save account.
- Open a Pay&Save account and inform your company you want your salary to be credited to HLB. Download this template, fill it out and pass it to your employer; or
- Transfer your salary to a Pay&Save account each month to enjoy all its benefits.