How we research, write, and maintain the financial content on money.com.my.
Every rate and figure on money.com.my comes from an official government source — not estimates, not third-party aggregators. Exchange rates and the Overnight Policy Rate (OPR) come from Bank Negara Malaysia. Inflation and cost-of-living data come from the Department of Statistics Malaysia. Fuel prices are the official weekly retail prices published by the Ministry of Finance.
Product information — fixed deposit rates, credit card terms, loan interest rates — is verified directly from each bank's own published disclosures. We record when each product was last checked. If product data is more than 90 days old, we display a notice on the page so you know to verify before acting.
For the full per-dataset breakdown (exact sources, coverage, refresh cadence, and how each tool calculates its figures), see our data methodology.
Every guide on money.com.my is written to help readers make a specific financial decision — not just understand a topic. Before writing, we verify current rates, terms, and eligibility criteria against the original source: BNM publications, KWSP (EPF) circulars, LHDN (Inland Revenue Board) guidelines, or the financial institution's own disclosure documents.
We name specific products and rates. “Several banks offer competitive FD rates” is never acceptable — we cite the bank, the rate, the tenor, and the date we checked. Where rates or terms are likely to change (e.g., promotional FD rates), the guide links to our live data tools so readers can verify the current figure.
We include non-affiliated products — EPF, ASNB, KWSP voluntary contributions — when they are the right answer for the reader, even though they generate no revenue for money.com.my.
money.com.my may earn a referral fee when a reader applies for a financial product through our links. Where that applies, it is disclosed on the page itself, in a visible banner rather than a footnote. Where it does not, the page says so instead — the banner is generated from the products on the page, not written by hand, so it cannot drift out of step with what we are actually paid for.
Deliberately, this page does not tell you whether we are paid on any particular product — a hand-written claim here would go stale the day the arrangements change. Every ranking and comparison page carries its own notice instead, generated from the products actually on it, so it is right by construction rather than by someone remembering to edit it.
Affiliate relationships do not influence our recommendations. Products are assessed on their published rates, fees, terms, and suitability for the specific use case the guide covers. We regularly recommend products that we do not earn from (including EPF, ASNB, and direct bank deposits) when they are the better option.
All guides display the date of publication and the date of last update. When a guide references a specific rate or figure, it is verified against the source at the time of writing. Guides that reference time-sensitive data (OPR, exchange rates, FD rates) link to our live tools rather than embedding static figures that may become stale.
Each guide carries a fact-check footer identifying the contributor and the date the content was last reviewed. We are building toward independent editorial review for all YMYL (Your Money, Your Life) content — guides will display reviewer attribution as this process is formalised.
If a fact, rate, or recommendation in a guide becomes incorrect — due to a policy change, rate adjustment, or factual error — we update the guide and revise the “last updated” date. Material corrections are noted within the guide body where the change affects the reader's decision.
If you spot an error or outdated information on any page, contact us at editor@money.com.my. We take accuracy seriously and will verify and correct promptly.
money.com.my uses AI tools to assist with research, drafting, and data processing. All AI-assisted content is reviewed for accuracy against official sources before publication. AI is never used to generate financial recommendations — product assessments and editorial judgements are made based on published rates, terms, and verified data.
Our contributor pages disclose where AI tools are part of the editorial process. This transparency is a core part of our editorial standards.
For editorial inquiries, corrections, or press requests: editor@money.com.my