Pay & Save Account

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Pay and Save Account

What if you can enjoy more

rewards without having

different accounts? 

With HLB Pay&Save Account,

you can.

Apply Now
Pay and Save Account

What if you could save,

pay & spend with foreign

currencies anywhere?

With HLB Pay&Save Account,

you can.

Apply Now
Pay and Save Account

What if you could have your

personal money changer

anytime, anywhere?

With HLB Pay&Save Account,

you can.

Apply Now
Set Appointment

Pay&Save Account

Everyday Essentials
Save, spend, and send smarter

Earn higher interest when you save, make online payments and spend with your debit card. Pay&Save Account, the local bank account that comes with 12 foreign currencies.

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

SAVE

2.25%

p.a.

Savings Interest

Learn More >

SAVE

RM2,000 in one sum monthly

2.25% p.a.

Savings Interest

Savings Interest Rate

Mechanism

Interest Rate p.a.

Deposit RM2,000 (lump sum) monthly for 3 consecutive months

2.25%


Interest is calculated daily and credited quarterly.
Interest will be paid from RM1,000 up to a maximum of RM100,000.

pay

PAY

0.50%

p.a.

e-Xtra Interest

Learn More >

PAY

RM500 online monthly

0.50% p.a.

e-Xtra Interest

e-Xtra Interest Rate

Mechanism

Interest Rate p.a.

Pay cumulative of RM500 bills online every month

0.50% (RM30 maximum monthly)


Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.

spend

SPEND

0.50%

p.a.

Bonus Interest

Learn More >

SPEND

RM500 with debit card monthly

0.50% p.a.

Bonus Interest

Bonus Interest Rate

Mechanism

Bonus Interest p.a.

Spend cumulative of RM500 with your debit card every month

0.50% (RM30 maximum monthly)


Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.

invest

INVEST

0.90%

p.a.

Bonus Interest

Learn More >

INVEST

O.90% p.a.

Bonus Interest

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

save

Save

2.25%

p.a.

Savings Interest

Save

2.25%

p.a.

Savings Interest

RM2,000 in one sum monthly

Learn More >

Savings Interest Rate (wef 11/05/2023)

x

Mechanism

Interest Rate p.a.

Deposit RM2,000 (lump sum) monthly for 3 consecutive months

2.25%


Interest is calculated daily and credited quarterly.
Interest will be paid from RM1,000 up to a maximum of RM100,000.

pay

Pay

0.50%

p.a.

e-Xtra Interest

Pay

0.50%

p.a.

e-Xtra Interest

RM500 online monthly

Learn More >

e-Xtra Interest Rate

x

Mechanism

Interest Rate p.a.

Pay cumulative of RM500 bills online every month

0.50%
(RM30 maximum monthly)


Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.

spend

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

x

Mechanism

Interest Rate p.a.

Spend cumulative of RM500 with your debit card every month

0.50%
(RM30 maximum monthly)


Interest is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.

invest

Invest

0.90%

p.a.

Bonus Interest

Invest

0.90%

p.a.

Bonus Interest

 

Learn More >

Share Trading Bonus Interest Rate

x

Mechanism

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 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


 


 

Edit accordion component

Find out how much interest you could earn

Pay&Save Interest Calculator

Find out how much interest you could earn

RM
e.g. 50000
This field is required.
What do you do with your account?
RM
Overview of Monthly Interest Interest Rate p.a. Amount
Savings Interest 1.40% RM116.67
Bonus Interest 1.40% RM116.67
e-Xtra Interest 1.40% RM116.67
Share Trading Bonus Interest 1.40% RM116.67
Total (per month) 1.40% RM116.67

disclm 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 is calculated up to a maximum account balance of RM100,000, while e-Xtra Interest and Bonus Interest are capped at RM30 per month.

Pay&Save is now available for Sole Proprietor

  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
Find out more

1

account

12

 currencies

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

No need to exchange and carry cash when travelling overseas

Spend in foreign currency

Spend in foreign currency using your HLB Debit Card in 12 countries

Withdraw foreign currency from ATMs overseas

Withdraw foreign currency from ATMs overseas

send and receive foreign currencies

Send and receive foreign currencies

Receive currency exchange rate alert

Receive currency exchange rate alert

Send and spend foreign currencies in 12 countries

  • SGD Singapore Dollar (SGD)
  • AUD Australian Dollar (AUD)
  • JPY Japanese Yen (JPY)
  • NZD New Zealand Dollar (NZD)
  • SAR Saudi Arabian Riyal (SAR)
  • EUR Euro (EUR)
  • HKD Hong Kong Dollar (HKD)
  • CNH Chinese Renminbi (CNH)
  • GBP Pound Sterling (GBP)
  • USD US Dollar (USD)
  • THB Thai Baht (THB)
  • CAD Canadian Dollar (CAD)

How to buy foreign currency with your Pay&Save Account

HLB Connect App
HLB Connect Online

Click on each step to view app screen

1

Login and tap on Menu

2

Tap on Foreign Currency Deposit

3

Select the currency you desired to convert and enter required amount

4

Follow instructions on screen to proceed

Click on each step to view web screen

1

Login and click on Buy Foreign Currency button next to your Pay&Save Account/-i

2

Select the currency you desired to convert and enter desired amount

3

Follow instructions on screen to proceed

Handy TIPS before you travel

Top Up Account With Foreign Currencies
Enable Debit Card for Overseas Retail Purchase
Enable Debit Card for Overseas Withdrawal

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

Edit accordion component

Frequently Asked Questions

Frequently Asked Questions

We offer door-to-door account opening service at selected locations

Make An Appointment >

Visit our nearest branch

Locate Branch >

Eligibility

  • Eligibility
  • Interest Rate (wef 11/05/2023)
  • Fees & Charges
  • Terms & Conditions
  • 18 years old and above
  • For individuals, either on single or joint-name basis
  • Minimum RM50 to open the account

 

 

KINDLY BE REMINDED:

The operations, sources and uses of funds to and from the Multi-Currency Feature (“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.

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.

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Pay&Save Terms and Conditions

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