Pay&Save Account earns you interest when you deposit, make online payments and spend with your debit card.
How It Works
Earn up to 2.25% p.a. interest when you make Pay&Save your everyday account
Plus, an extra 0.90% 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 |
Disclaimer
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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Multi-Currency Feature
- The only Malaysian Ringgit savings account with options for 11 Foreign Currencies
- Find out more on how to enable your Multi-Currency Feature
- Available through Foreign Currency Deposit feature in HLB Connect Online banking.
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Debit Card
- No issuance fee
- Contactless functionality
- When performing cash withdrawals at ATMs select “Current Account”
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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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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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Protected by PIDM up to RM250,000 for each depositor.
Save up to 11 foreign currencies into your Pay&Save Account
Singapore Dollar (SGD) |
Chinese Renminbi (CNH) |
New Zealand Dollar (NZD) |
Thai Baht (THB) |
Hong Kong Dollar (HKD) |
Japanese Yen (JPY) |
US Dollar (USD) |
Euro (EUR) |
Australian Dollar (AUD) |
Pound Sterling (GBP) |
Saudi Arabian Riyal (SAR) |
|
- Pay & withdraw in foreign currencies using your Debit Card
- Not allowed for Joint Accountholders
- 18 years and above
- For individuals, either on single or joint-name basis
- Minimum RM200 to open the account
Savings Interest Rate (wef 10/07/2020)
| Mechanism |
Interest Rates p.a. |
|---|---|
| Place RM2,000 single deposit for 3 consecutive months |
1.25% |
Interest is calculated daily and credited quarterly.
Debit Card Bonus Interest Rate
| Mechanism | Bonus Interest p.a. |
|---|---|
| Spend RM500 cumulative monthly |
0.50% (RM30 maximum monthly) |
Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
e-Xtra Interest Rate
| Mechanism | Interest Rates p.a. |
|---|---|
| Pay RM500 cumulative monthly |
0.50% (RM30 maximum monthly) |
Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
Share Trading Bonus Interest Rate
Total Monthly Traded Amount (MTA*) (RM) |
Bonus Interest Rates p.a. |
|---|---|
Min. 1 successful trade and up to RM20,000 |
0.30% |
Up to RM30,000 |
0.50% |
Up to RM100,000 |
0.70% |
Above RM100,000 |
0.90% |
Interest is calculated monthly based on Monthly Average Deposit Balance and credited on the 1st of the following month.
Note:* For Purchase transactions: MTA = [Unit x Purchase Price] + Transaction Costs
For Sell transactions: MTA = [Unit x Selling Price] - Transaction Costs
Important notice
Please click HERE for the exhaustive list of fees and charges.
