Pay&Save Account
with Multi-Currency Feature
Earn higher interest on your savings
Maximize the potential of your money. Earn up to 4.15% p.a. interest on your account balance when you make Pay&Save your everyday account.
SAVE
RM2,000 in one sum monthly
2.25% p.a.
Savings Interest
Savings Interest Rate
How it works
Interest Rate p.a.
Deposit RM2,000 (in one transaction) monthly for 3 consecutive months
2.25%
Interest is calculated daily and credit quarterly on the 1st of January, April, July and October.
Interest will be paid up to a maximum balance of RM100,000.
A minimum end-day balance of RM1,000 is required to be eligible.
PAY
RM500 online monthly
0.50% p.a.
e-Xtra Interest
e-Xtra Interest Rate
How it works
Interest Rate p.a.
Pay cumulative of RM500 bills online every month
(Including but not limited to JomPay billers; FPX registered merchants; HLB Credit Card/Loan repayments)
0.50% (RM30 maximum monthly)
Interest is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.
SPEND
RM500 with debit card monthly
0.50% p.a.
Bonus Interest
Bonus Interest Rate
How it works
Interest Rate p.a.
Spend cumulative of RM500 with you debit card every month
(Including but not limited to spend at petrol, shopping, groceries, dining, e-Wallet reload, etc)
0.50% (RM30 maximum monthly)
Interest is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.
INVEST
O.90% p.a.
Bonus Interest
Share Trading Bonus Interest Rate
How it works
Interest Rate 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 daily based on the each day’s end-day 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
Save
2.25%
p.a.Savings Interest
Savings Interest Rate
xHow it works
Interest Rate p.a.
Deposit RM2,000 (in one transaction) monthly for 3 consecutive months
2.25%
Interest is calculated daily and credit quarterly on the 1st of January, April, July and October.
Interest will be paid up to a maximum balance of RM100,000.
A minimum end-day balance of RM1,000 is required to be eligible.
Pay
0.50%
p.a.e-Xtra Interest
e-Xtra Interest Rate
xHow it works
Interest Rate p.a.
Pay cumulative of RM500 bills online every month
(Including but not limited to JomPay billers; FPX registered merchants; HLB Credit Card/Loan repayments)
0.50%
(RM30 maximum monthly)
Interest is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.
Spend
0.50%
p.a.Bonus Interest
Spend
0.50%
p.a.Bonus Interest
Spend cumulative of RM500 with your debit card every month
Learn More >Bonus Interest
xHow it works
Interest Rate p.a.
Spend cumulative of RM500 with you debit card every month
(Including but not limited to spend at petrol, shopping, groceries, dining, e-Wallet reload, etc)
0.50%
(RM30 maximum monthly)
Interest is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.
Invest
0.90%
p.a.Bonus Interest
Share Trading Bonus Interest Rate
xHow it works
Interest Rate 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 daily based on the each day’s end-day 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
| 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 RM10,000 is required in order to be eligible for Savings Interest. Savings Interest is calculated up to a maximum account balance of RM100,000, while e-Xtra Interest and Bonus Interest are capped at RM30 per month.
| Interest Rate p.a. (11/05/2023) |
Mechanics |
|
|---|---|---|
| Savings Interest Rate |
1.25% |
Deposit RM2,000 (lump sum) monthly for 3 consecutive month |
| e-Xtra Interest Rate |
0.50% (RM30 maximum monthly) |
Pay cumulative of RM500 bills online every month |
| Bonus Interest Rate |
0.50% (RM30 maximum monthly) |
Spend cumulative of RM500 with your debit card every month |
1
12
Enjoy multi-currency convenience with your Pay&Save Account.
Whatever your needs may be, convert your MYR savings to foreign currencies with just a few clicks via HLB Connect at competitive FX rates.
Benefits of Pay&Save multi-currency feature:
No need to exchange and carry cash when travelling overseas
Spend in foreign currency using your HLB Debit Card in over 31 countries
Withdraw foreign currency from ATMs overseas
Send and receive foreign currencies
Receive currency exchange rate alert
Travel with 12 major
foreign currencies
Convert and save your money in different currencies with competitive exchange rates in just a single wallet
Amount
Converted To
All rates are indicative and may vary due to market conditions.
Please login to HLB Connect for Foreign Currency Deposit and actual forex rates.
How to buy foreign currency with your Pay&Save Account
Click on each step to view app screen
Click on each step to view web screen
Step 1
Login to HLB Connect App and tap on Menu, then tap on Foreign Currency Deposit
Step 2
Select the currency you wish to convert and enter required amount
Step 3
Follow instructions on screen to proceed
Step 1
Login to HLB Connect App and click on Pay&Save Account/-i box
Step 2
Tap on Services
Step 3
Tap on Debit Card Settings
Step 4
Toggle right to enable the Overseas Retail Purchase
Reminder
Do be reminded that the daily limit is in MYR and you should consider the foreign currency you are spending on when updating the New Limit. You can only change limit via HLB Connect Internet Banking.
Reminder
Do be reminded that the daily limit is in MYR and you should consider the foreign currency you are spending on when updating the New Limit. You can only change limit via HLB Connect Internet Banking.
Step 1
Login to HLB Connect Internet Banking and click on Other Service from the Main Menu
Step 2
On the Debit/ATM Card module, please select Card Transaction Limit
Step 3
On Retail Purchase (Local & Overseas), please enter new Permanent Limit
Step 1
Login to HLB Connect App and click on Pay&Save Account/-i box
Step 2
Tap on Services
Step 3
Tap on Debit Card Settings
Step 4
Toggle right to enable the Overseas Withdrawal
Open an HLB account anytime, anywhere without visiting the bank, simply download
Open an HLB account anytime, anywhere without visiting the bank, simply download
We offer door-to-door account opening service at selected locations
Make An Appointment >Visit our nearest branch
Locate Branch >We offer door-to-door account opening service at selected locations
Make An Appointment >Visit our nearest branch
Locate Branch >Eligibility
Malaysia residents and non-residents, 18 years old and above
For individuals, either on single or joint-name basis (Joint-name account holders are not eligible for multi-currency)
Minimum RM50 to open the account
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 Policy Notices ("FEP Notices") issued by Bank Negara Malaysia (“BNM”).
Terms and Conditions apply.
Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.
Savings Interest Rate (wef 11/05/2023)
| Mechanism |
Interest Rate p.a. |
|---|---|
| Place RM2,000 single deposit for 3 consecutive months |
2.25% |
Interest is calculated daily and credited quarterly on the 1st of January, April, July and October.
Interest is calculated based on the account’s end-day balance, for up to 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.
