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Pay&Save Account earns you interest when you deposit, make online payments and spend with your debit card.
How It Works
Earn up to 2.45% p.a. interest on your account balance 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 |
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 is calculated up to a maximum account balance of RM100,000 or RM500 interest payout per per quarter, while e-Xtra Interest and Bonus Interest are capped at RM30 per month.
Features & Benefits
Multi-Currency Feature
- The only Malaysian Ringgit savings account with options for 12 Foreign Currencies
- All buying and selling of foreign currencies can be performed via HLB Connect Online Banking
- Find out more about the highlights of this feature
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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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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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Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.


Support your kids’ education overseas
A smarter saving option for your kids’ education with greater control over fluctuating currency rates.

Save for your future travels
Start saving for your upcoming adventures and say goodbye to long queues at the money changer.

Secured desired foreign currency rates
Convert foreign currency at desired rates with a few clicks via
HLB Connect Online Banking.
Save up to 12 foreign currencies with 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) |
Canadian Dollar (CAD) |
- 18 years and above
- For individuals, either on single or joint-name basis
- Minimum RM200 to open the account
Savings Interest Rate (wef 17/05/2022)
Mechanism |
Interest Rate p.a. |
---|---|
Place RM2,000 single deposit for 3 consecutive months |
1.45% |
Interest is calculated daily and credited quarterly.
Interest will be paid from RM1,000 up to a maximum of RM100,000.
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.
- Pay & withdraw in foreign currencies using your Debit Card
- Not allowed for Joint Accountholders
KINDLY BE REMINDED:
The operations, sources and uses of funds to and from the MCF Enabled Account shall be governed in accordance with the Investment Foreign Currency Asset (“IFCA”) under the Foreign Exchange Notices, regulations and directions issued by Bank Negara Malaysia (“BNM”) from time to time and its amendments thereto from time to time.