1. Who can refer a friend?

   Any Hong Leong Bank or HLB Islamic customer who is registered for the HLB Connect can refer friends using their referral code.

2. Who counts as an eligible friend?

   Your friend must be new to the specific account category they are applying for:

   
   
   • Personal Account: They do not currently hold an active HLB/HLB Islamic Personal Savings or Current Account, and have not closed one in the last 12 months.
   • Business Account: They do not currently hold an active HLB/HLB Islamic Business Sole Proprietorship Account, and have not closed one in the last 12 months.
   
   

   (Note: If your friend previously closed a Personal Account, they can still be referred for a Business Account. Similarly, if they previously closed a Business Account, they can still be referred for a Personal Account.)

3. How should my friend apply?

   Your friend must download the HLB Connect App on their mobile phone, select the Personal Savings Account or Business Account, and enter your referral code during the online application.

4. Is an initial deposit required?

   Yes. Your friend must deposit at least RM50 into their new account when opening it to qualify for the rewards.

5. How much Cashback can I earn, and is there a limit?

   You get RM15 Cashback for every friend you successfully refer. There is no limit to how many friends you can refer. Limited to the first 2,000 successful accounts. Refer your friends early before the pool runs out.

6. What rewards does my friend get?

   Your friend receives:

   
   
   • RM8 Cashback after opening their account with a minimum RM50 deposit.
   • RM7 Bonus Cashback (equivalent to an effective promotional rate of 5.60% p.a.) if they keep a balance of RM1,500 in their account during their first month.

7. How is the 5.60% p.a. effective bonus rate calculated?

   The 5.60% p.a. effective bonus rate is represented by a one-time fixed RM7 Bonus Cashback payout when maintaining a balance of RM1,500 for 1 month. The annualised calculation is:

   
   
   

   (Note: The RM7 Bonus Cashback is credited once as a promotion reward, not as a recurring monthly interest rate.)

8. When and where will I receive my RM15 Cashback?

   Cashback will be credited directly into your active HLB/HLB Islamic savings or current account. For friends who open an account in between 15 September to 31 October 2026, your cashback will be credited by 15 December 2026. For friends who open an account by 15 November 2026, your cashback will be credited by 15 January 2026.

9. What if I do not currently have an HLB savings or current account?

   If you currently only hold an HLB Credit Card or other product, you can still refer friends and earn rewards. However, you must open an HLB/HLB Islamic savings or current account by 16 November 2026 so we can credit your RM15 Cashback. If you do not have an active savings or current account by this date, your cashback will be forfeited.

10. Can I use my own referral code to open another account for myself?

    Yes. If you currently have an HLB/HLB Islamic Personal Account, you can use your own referral code to open a Business Account. If you currently have an HLB/HLB Islamic Business Account, you can use your referral code to open a Personal Account. You will not get the RM15 Referrer Cashback for self-referrals, but your new account will still earn the RM7 Bonus Cashback (equivalent to 5.60% p.a.) if you keep RM1,500 in your first month.

11. What if my friend forgot to enter my referral code?

    The referral code must be typed into the Referral Code box during the application in the HLB Connect App. If your friend misses this step, the code cannot be added after the application is submitted.

12. Why have I not received my RM15 Cashback yet?

    Please check if your friend deposited at least RM50, if your friend is new to that account category, or if the 2,000 account limit was reached before your friend applied. Also ensure you have an active HLB/HLB Islamic savings or current account by 16 November 2026.

For HLB conventional accounts, the RM7 Bonus Cashback is mathematically equivalent to a promotional rate of 5.60% p.a. for Month 1. For HLB Islamic accounts, it is distributed as a Hibah.