ASB vs Fixed Deposit Malaysia 2026 — Which Gives Better Returns?

ASB paid 5.20% plus a 0.55% bonus for the financial year ended 31 December 2025 — a total return of 5.75%, the same as 2024 and the highest since at least FY2020 (PNB called FY2024's 5.75 sen "strongest in five years"). On 11 October 2026, time-limited campaigns at five banks paid 3.60–3.90% p.a. for a 12-month fixed deposit. On RM50,000, that gap translates to roughly RM925–1,075 more per year in ASB.

If you are Bumiputera and choosing between ASB and an FD, the numbers favour ASB. But the numbers are not the whole story. ASB dividends can change every year. FD rates are locked the moment you sign. One gives you a better expected return; the other gives you a guarantee.

This guide breaks down both products with real figures, a worked example over five years, and a clear verdict on when each one makes sense.

Last updated 29 October 2026 · money.com.my Editorial

What Is ASB#

ASB (Amanah Saham Bumiputera) is a fixed-price unit trust fund managed by ASNB (Amanah Saham Nasional Berhad), a subsidiary of PNB (Permodalan Nasional Berhad). PNB is one of Malaysia's largest government-linked investment companies, managing hundreds of billions of ringgit in assets across equities, fixed income, and property.

Key facts:

• Eligibility: Bumiputera Malaysians only (Malay, Orang Asli, indigenous communities of Sabah and Sarawak)
• Unit price: Fixed at RM1.00 — your capital does not fluctuate
• Returns: Annual dividend declared by PNB, in the 4.25–7.75% range over the last eleven financial years (2015–2025)
• Maximum holding: RM300,000 per individual (raised from 200,000 units by ASNB's Second Supplementary Master Prospectus dated 1 April 2023)
• Fees: No sales charge and no repurchase charge on ASNB's product page. ASNB's Master Prospectus (as replaced by the Fifth Supplementary Master Prospectus dated 25 May 2026) lists an annual management fee of 0.35% of the fund's value for ASB (Class A; the deed allows up to 1.0% for Class B), charged within the fund
• Tax: Dividends are described as tax-exempt (not re-checked, HELD)
• Liquidity: No repurchase charge; ASNB's product page says repurchase is paid on the spot. No lock-in is stated
• Insurance: Not covered by PIDM

For a deeper look at all ASNB funds including ASB 2, ASM, ASM 2 Wawasan and ASM 3, read the full ASNB guide.

What Is a Fixed Deposit#

A fixed deposit (FD) is a savings product offered by licensed Malaysian banks. You place a lump sum for a fixed period — typically 1, 3, 6, or 12 months — and receive a guaranteed interest rate in return.

Key facts:

• Eligibility: Anyone — Malaysian or foreign, Bumiputera or non-Bumiputera
• Returns: Guaranteed rate locked at placement — on 11 October 2026, 1.80–1.90% p.a. for 12 months at board rates (CIMB, Hong Leong, AmBank, Public Bank and RHB), or 3.60–3.90% p.a. on time-limited campaigns at five banks
• Maximum holding: No cap
• Fees: No placement fee was stated on the bank pages we read; premature withdrawal pays no interest at Hong Leong (eFD), Public Bank, BSN and RHB (Islamic Commodity Murabahah Deposit-i) under their terms
• Tax: Interest income is exempt from income tax for Malaysian resident individuals
• Liquidity: Locked until maturity — at Hong Leong (eFD), Public Bank, BSN and RHB (Islamic Commodity Murabahah Deposit-i), early withdrawal pays no interest (bank terms read 11 October 2026)
• Insurance: PIDM-insured up to RM250,000 per depositor per member bank (BSN is not a member; Government guarantee under section 20 of its Act)

For how board and campaign rates work, check our fixed deposit guide; for products side by side, our fixed deposit rates list.

ASB Dividend History — 2015 to 2025#

Source: PNB/ASNB income distribution announcement for each financial year, plus the ASB fund page for the 2023 to 2025 component splits (read 17 October 2026). Rows for 2015 to 2019 are from PNB releases not re-fetched (HELD); 2020 to 2024 were re-checked against PNB press releases. Some years also carried an extra that applied only to a limited number of units and is not in the totals above — a 1.00% PNB anniversary bonus on balances up to 10,000 units in 2017, a 0.75% Ehsan payment in 2020 and a 0.50% Bonus Tambahan in 2022, both on the first 30,000 units.

Per PNB releases not re-fetched this round (HELD), ASB paid 7.00% or better from 2015 to 2018, fell to a low of 4.25% in 2020, and has recovered since — 5.75% in both 2024 and 2025. PNB's press releases for FY2020 to FY2024 and ASNB's product page confirm 2020 to 2025, so these are the highest since at least FY2020; FY2018 and FY2019 were not re-checked. Even at that 2020 low, ASB beat its own benchmark (the Maybank 12-month fixed deposit rate) by 2.40 percentage points.

Current FD Rates#

On 11 October 2026, 12-month campaign rates were 3.90% p.a. at CIMB (eFD, to 3 November 2026, minimum RM1,000), 3.85% at AmBank (to 31 October, minimum RM1,000), 3.80% at Hong Leong (to 3 November, new funds from another bank by FPX, minimum RM1,000), 3.70% at Public Bank (PLUS FD at branches, to 31 December, minimum RM5,000, fresh funds; its eFD campaign has the same 12-month rate) and 3.60% at Standard Chartered (to 31 December, minimum RM50,000 of fresh funds). The same banks' 12-month board rates were 1.80–1.90% p.a.

Conditions that decide whether you get the rate. Standard Chartered's campaign is only for placements made at a branch, or via a Relationship Manager or myRM for Priority clients. Placements made via Online/SC Mobile are not entitled to the campaign rate. It also needs at least RM50,000 of fresh funds: money paid into your Standard Chartered current or savings account from outside the bank in the 30 days before you place, not money already at the bank such as a maturing FD (money from selling Standard Chartered wealth assets does count). Hong Leong's 3.80% is for new funds only, by FPX from another bank, so do not assume a maturing Hong Leong FD qualifies.

Standard Chartered's terms give 3.75% to clients who meet one of its conditions: upgrading to Priority, buying RM200,000 or more of new Wealth Products, keeping RM200,000 or more of Wealth Assets with the bank, or being in their birthday month. They give 3.90% to clients who upgrade to Priority Private or are invited Priority Private clients. In its terms, Wealth Products are unit trusts bought at a branch with a recommended sales charge of 2.5% in a lump sum, retail bonds or sukuk bought at a branch with a recommended sales charge of 2.5%, or structured investments with a recommended sales charge of 1.5%, sold only at Standard Chartered Bank Malaysia Berhad (SCBMB) branches and not by Standard Chartered Saadiq Berhad (SCSB). That sales charge is a cost to weigh: the step from 3.60% to 3.75% is 0.15 percentage points, about RM75 a year on RM50,000, and even at the RM1,000,000 cap on that tier it is only RM1,500 a year, while a 2.5% charge on RM200,000 of unit trusts is RM5,000.

We re-read each bank's campaign page or terms on 17 October 2026 and the rates and end dates matched. On 27 October 2026, AmBank's page still showed 3.85% to 31 October and Hong Leong's still showed 3.80% to 3 November (new funds only); CIMB's rate is as shown on 17 October 2026. The AmBank campaign ends 31 October and the CIMB and Hong Leong campaigns end 3 November 2026, so after those dates these three rates are not a current offer: check each bank's own page.

Standard Chartered also advertises 4.85% p.a. for 12 months on a CASA-FD/TD-i bundle (minimum RM100,000, 80% in the deposit and 20% earmarked in a Standard Chartered account for 12 months, to 31 December 2026), which is outside the 3.60–3.90% range above.

FD rates change with Bank Negara Malaysia's OPR and with each bank's campaigns, and campaigns end without notice. See our fixed deposit rates list for products side by side, and confirm any rate on the bank's own page before placing funds.

Digital banks are left out of the rates above because what they publish is a savings rate, not a fixed deposit board rate. GX Bank pays 2.00% p.a. on its main account and 3.80% p.a. on a 6-month Bonus Pocket, capped at RM12,500 per pocket. Boost Bank pays 2.5% p.a. on its Savings Account and 3% p.a. on Savings Jars; its higher rates are on promotional Special Jars, unlocked by spending with Boost's partners or meeting each jar's own condition, each campaign with its own end date (the rate is not stated here because it changes by campaign, so check the Boost Bank app). Boost's figures were read on its own pages on 25 October 2026, and GX Bank's Bonus Pocket rate on 11 October 2026.

The highest single-product FD rates we found were time-limited campaigns — 3.60–3.90% p.a. for 12 months at five banks on 11 October 2026 (plus Standard Chartered's bundle above) — and these require catching a campaign before it ends, sometimes moving money from another bank, and committing to a 12-month lock-in. On the same date, 12-month board rates at CIMB, Hong Leong, AmBank, Public Bank and RHB were 1.80–1.90% p.a.

Head-to-Head Comparison#

The comparison is straightforward on returns: ASB pays more. The gap has narrowed since the 7%+ years before 2019 — but at 5.75% versus 3.60–3.90% on a 12-month FD campaign, ASB still leads by roughly 1.85–2.15 points.

Where FD wins is certainty. When you place RM50,000 in a 12-month FD at 3.75%, you know you will receive exactly RM1,875 in interest. No fund manager decision, no PNB board meeting, no economic event can change that number. With ASB, you are trusting that PNB will continue delivering — and ASB's payout history above shows the range (we did not verify the 1990 launch date, HELD) — the rate could be 5.75% or it could be 4.25%.

Worked Example: RM50,000 Over 5 Years#

Two investors. Same starting amount. One puts RM50,000 into ASB. The other places RM50,000 into a 12-month FD renewed annually. Both reinvest all returns.

ASB at 5.00% per annum (conservative — no bonus)#

Total after 5 years: RM63,814 — a gain of RM13,814 on a RM50,000 investment.

FD at 3.75% per annum (renewed annually)#

Total after 5 years: RM60,104 — a gain of RM10,104 on a RM50,000 investment.

The difference#

ASB earns RM3,710 more than the FD over five years on RM50,000. That is roughly RM742 per year in additional return — the cost of not using ASB if you are eligible.

Scale it up: on RM300,000 (ASB's maximum), the five-year difference at these rates grows to approximately RM22,260. That is not a rounding error. It is a secondhand Myvi.

The ASB Financing Question#

Some Bumiputera investors take it a step further: borrowing money from a bank specifically to invest in ASB. The idea is simple — borrow RM100,000–200,000 at an assumed loan rate of 4.00–4.25% (illustrative; we have not sourced bank ASB-financing rates, HELD), invest it in ASB hoping for 5.00%+ dividend, and pocket the spread.

The math works when the spread holds. On RM100,000 borrowed at 4.25% with ASB paying 5.00%, you earn a net positive carry of roughly 0.75% — about RM750 per year. Over a 20-year loan tenure, compounding and reinvested dividends can turn that into a meaningful sum.

But the spread can close. In 2020, ASB paid 4.25% (PNB press release); if a loan costs 4.00–4.50% (an assumption we have not sourced, HELD), the carry that year would be near zero or slightly negative. The loan repayment does not drop when the dividend drops. At the current 5.75% the carry is wider — roughly 1.25 to 1.75 points on a 4.00–4.50% financing rate — but 2020 is the year to plan for, not 2025.

ASB Financing can work for the right person — stable income, long time horizon, high discipline. It is not a free-money strategy, and the margin of safety has compressed significantly since the 7%+ dividend years of 2015–2018.

For the full breakdown with worked examples, risk scenarios, and eligibility criteria, read the ASB Financing guide.

When FD Actually Beats ASB#

ASB's historical return advantage does not mean FD is always the wrong choice. There are specific situations where an FD is the better product:

You need a guaranteed return for a specific goal#

Saving RM30,000 for a house down payment you need in 10 months? Put it in a 9-month FD. You cannot afford a dividend surprise — you need to know exactly what you will have on the date you need it. ASB's expected return is higher, but "expected" is not "guaranteed" when you have a hard deadline and a non-negotiable amount.

You have maxed out the RM300,000 ASB cap#

Once your ASB balance hits RM300,000, you cannot buy more units with cash (reinvested dividends can still carry the balance higher). New savings have to go somewhere. An FD is the simplest, safest place to park surplus conservative savings above the ASB ceiling. Other options include ASB 2 (a separate RM300,000 cap), money market funds, or high-yield savings accounts — but FDs remain the most predictable.

FD promotional rates briefly exceed ASB dividend#

Rare, but it happens. If a bank runs a 6-month promotional FD at 4.50% and ASB's next dividend is uncertain, the guaranteed promo rate might make sense for short-term parking — especially for money you may need within the year.

You are non-Bumiputera#

ASB is not available to you. Full stop. For non-Bumiputera Malaysians, the closest comparison is between FDs and ASNB's open fixed-price funds (ASM, ASM 2 Wawasan, ASM 3), money market funds, or savings accounts with competitive rates. For a broader look at ASNB options open to all Malaysians, read the FD vs ASNB comparison.

You want PIDM protection on a large sum#

PIDM insures your FD up to RM250,000 per depositor per member bank. If you spread RM500,000 across two banks, the entire amount is protected by statutory insurance. ASB has no equivalent protection — it relies on PNB's track record and government-linked status, which is strong but structurally different from a deposit insurance guarantee. For very large sums where capital preservation is the absolute priority, the PIDM guarantee matters.

Adam Tan's Verdict#

I will give this to you in three scenarios, because the right answer depends on who you are.

Bumiputera with savings to invest#

ASB first. Always. Fill it to the RM300,000 ceiling before putting a single ringgit into an FD for investment purposes. The return gap is real, the tax treatment is described as the same (ASB's not re-checked, HELD), the liquidity is better (no early-withdrawal penalty), and the record we verified (2020 to 2025 payouts) is positive, but it is not a guarantee. Use FDs for specific short-term goals where you need a locked-in amount by a specific date.

Planning a large purchase within 12 months#

FD for the portion you need on a fixed date. If you need RM40,000 for a car down payment in 8 months, do not leave it in ASB hoping for a good dividend. Lock it in a 6-month or 9-month FD at the best promotional rate you can find. The guaranteed return might be lower, but the certainty is worth more than an extra 1–1.5% when you have a hard deadline.

Non-Bumiputera#

FD is your safe default, but do not stop there. Look at money market funds for better liquidity with similar returns, ASNB funds open to all Malaysians (the ASM family, at 4.75–5.00% on a fixed RM1.00 unit price) for better returns at comparable risk, or a mix of high-yield savings accounts and short-term FDs. The FD vs ASNB guide covers the full picture for non-Bumiputera investors.

The Bottom Line in One Table#

Frequently Asked Questions#

Is ASB or FD better for emergency savings?

Neither is ideal as a standalone emergency fund. ASB has better liquidity (no penalty for withdrawal) and better returns, but dividends are annual — a mid-year withdrawal means you might miss the dividend for that portion. FDs lock your money, and early withdrawal pays no interest at Hong Leong (eFD), Public Bank and BSN, and no profit at RHB (Islamic Commodity Murabahah Deposit-i), under the terms we read. For emergency funds, a high-yield savings account with daily access is usually more practical. Once your emergency fund is set, invest surplus into ASB (if eligible) or FD based on your goals.

Can I hold both ASB and FD at the same time?

Yes, and many Malaysians do. A common setup: ASB for long-term compounding (maximise the RM300,000 ceiling), plus one or two FD placements for short-term goals with fixed deadlines. The two products serve different functions and complement each other well.

Does ASB pay dividends monthly or annually?

Annually. PNB announced the 2025 ASB distribution on 19 December 2025, before the 31 December year-end, and its release says the units were credited on 1 January 2026. The distribution is credited to your ASB account as additional units — you do not need to do anything to receive it. There is no monthly income option for ASB.

What happens if I withdraw from ASB mid-year?

You receive the full value of your units at RM1.00 per unit with no penalty. However, PNB's release says the distribution is computed on the average minimum monthly balance held during the financial year, so a withdrawal lowers the balance base for the months it applies to. If you plan a large withdrawal, check how it affects your minimum balance.

How do I open an ASB account?

Bumiputera Malaysians aged 18 and above can open an ASB account through the myASNB app or at any ASNB branch. You need your MyKad (IC). The minimum initial investment is RM10. The process is straightforward and can be completed entirely online via myASNB for most applicants.

Related Guides#

• FD vs ASNB — Which Gives Better Returns in Malaysia? — broader comparison covering all ASNB funds, not just ASB
• ASNB Unit Trusts Explained — ASB, ASM & How They Work — deep dive into every ASNB fund
• ASB Financing — Is Taking a Loan to Invest Worth It? — full math on the ASB loan strategy
• How Fixed Deposits Work in Malaysia — board rates, campaign rates and how to choose
• How to Choose a Savings Account in Malaysia — high-yield savings alternatives

Amendment, 11 October 2026. This guide gave GX Bank's 6-month Bonus Pocket rate as 3.70% p.a. GX Bank's own page now says "Earn up to 3.80% p.a." and "3.18% p.a. for the 3-month tenure, or 3.80% p.a. for the 6-month tenure. This is inclusive of the 2.00% p.a. base rate", so the figure is now 3.80% p.a.; the 3-month 3.18% and the 2.00% base rate are unchanged. We checked GX Bank's page on 11 October 2026; it shows no effective date. The other rates in this guide keep the dates stated beside them and were not re-checked in this amendment. Confirm any rate on the bank's own page before acting on it.

Amendment, 11 October 2026 (fixed deposit rates). This guide gave the best 12-month fixed deposit rates as "3.50–4.00%" (in the description, the introduction, the first FAQ, the "What Is a Fixed Deposit" facts, the head-to-head table and the text after it) and standard rates as "2.60–3.30%" and "3.00–3.30%". Our fixed deposit guide has corrected these ranges. They are now 3.60–3.90% p.a. for time-limited 12-month campaigns at five banks and 1.80–1.90% p.a. for 12-month board rates at CIMB, Hong Leong, AmBank, Public Bank and RHB, both on 11 October 2026. The gap to ASB's 5.75% follows: 1.85–2.15 points, or roughly RM925–1,075 a year on RM50,000 (was 1.75–2.25 points and RM875–1,125). The "Current FD Rates — Best Available (April 2026)" table, whose approximate rates for Alliance, Hong Leong, RHB, CIMB and Maybank were not sourced, was replaced with the five dated campaign rates from the fixed deposit guide. We checked the banks' own pages and campaign terms on 11 October 2026 for our fixed deposit guide, whose amendment of that date records the check. The worked example's 3.75% FD rate is an illustration inside that range and was not changed. Confirm any rate on the bank's own page before acting on it.

Amendment, 17 October 2026 (ASB claims). The guide said ASB's 5.75% for 2025 was "its best since 2018" (in the introduction and the history section) and listed "zero fees" in the decision table. Per docs/verification-log/evidence-batch-a-oct17 (evidence.md ASB row; saved ASNB ASB product page), the distributions re-checked are 2023 (4.25 + 1.00 = 5.25), 2024 (5.50 + 0.25 = 5.75) and 2025 (5.20 + 0.55 = 5.75), and ASNB lists no sales charge and no repurchase charge. The "best since 2018" claim is removed because 2018 to 2022 were not re-checked (HELD). The history table and chart were not re-checked in this amendment.

Amendment, 17 October 2026 (review follow-up). "Highest since 2018" is replaced by the narrowest verified version: PNB press releases for FY2020 to FY2024 (saved with sha256 hashes in docs/verification-log/followups-c-oct17) give 4.25, 5.00, 4.60, 5.25 and 5.75 sen, and FY2025 is 5.75 sen, so 2024 and 2025 are the highest since at least FY2020. The 2015 to 2019 rows of the history table and the "7.00% or better from 2015 to 2018" sentence are marked as from PNB releases not re-fetched (HELD). Tax-free wording for ASB distributions is HELD.

Amendment, 17 October 2026 (review follow-up). Other statements that ASB dividends are tax-exempt (FAQ answer, ASB key points, comparison table, tax paragraph and verdict) now read "described as tax-exempt (not re-checked, HELD)", matching the summary table. The claims that ASB dividends "have always been" exempt and that both products deliver returns "without any tax deduction" are removed as unverified. FD interest wording is unchanged. No figure changed.

Amendment, 17 October 2026 (correction to the review follow-up). The previous note put the "not re-checked" label on the wrong column of the comparison table: it marked fixed deposit interest as unverified and left ASB as "Exempt". Fixed deposit interest is exempt for resident individuals; the table now shows ASB as "described as tax-exempt (not re-checked, HELD)" and FD as "Exempt (individual)". The ASB fee entries (key facts and table) now say ASNB lists no sales or repurchase charge and that we found no management-fee figure, instead of "zero" fees.

Amendment, 17 October 2026 (Boost Bank rates). The digital-banks paragraph gave Boost's rate as "up to 3% p.a. on Savings Jars and up to 4% p.a. on Special Jars earned through partner spending" and dated it 29 July 2026. It now gives 2.5% p.a. on the Savings Account, 3% p.a. on Savings Jars and the BoostUP Jar's 4% with its condition, dated 17 October 2026. The "earned through partner spending" wording and the 29 July date for Boost are removed. We read Boost Bank's own Savings, Special Jars and home pages and its Product Disclosure Sheet (effective January 2025) on 17 October 2026: "Savings Account: 2.5% p.a. daily interest", "Savings Jars: 3% p.a. daily interest", and, for the BoostUP Jar, "spend a minimum of RM500 monthly with your Boost Wallet" for 4% p.a. (campaign 17 Nov 2025 to 17 Nov 2026); other Special Jars on that page pay up to 3.3% p.a. Rates are variable; confirm in the Boost Bank app.

Amendment, 17 October 2026 (follow-up, evidence batch I). We re-read ASNB's ASB page and master prospectuses, the PNB releases, the five banks' campaign pages and terms, PIDM's member list and the Bank Simpanan Nasional Act 1974; files and hashes are in docs/verification-log/evidence-batch-i-oct17. Corrected: the FAQ said PNB "typically announces the ASB dividend in late January or February" (PNB announced FY2025 on 19 December 2025, as the callout above says); the 5-year downside example said the gap would narrow to "roughly RM1,600" (it is about RM2,500: RM62,604 against RM60,105); the FD minimum was "RM1,000–5,000" (BSN is RM500, Standard Chartered's campaign RM50,000); "FD fees: none" and "early withdrawal forfeits some or all interest" now say that Hong Leong, Public Bank, BSN and RHB pay no interest on early withdrawal; "PIDM-insured" for every FD now notes that BSN is not a PIDM member (Government guarantee, section 20, Bank Simpanan Nasional Act 1974); the mid-year withdrawal answer now uses PNB's average-minimum-monthly-balance method; Standard Chartered's 3.60% is for general clients, placed at a branch, and its 4.85% bundle is now mentioned. Sourced (was HELD): the ASB cap rose from 200,000 to 300,000 units by the Second Supplementary Master Prospectus dated 1 April 2023; ASB's annual management fee is 0.35% of the fund's value (Fifth Supplementary Master Prospectus, 25 May 2026). Changed to HELD: ASB's dividend "every year since 1990", the "never broken RM1.00" price and "36-year track record" (no primary source read; the 2 January 1990 launch date is sourced below), and the 4.00–4.50% loan rates in the ASB financing section (illustrative). Sourced (24 October 2026 follow-up): the 2 January 1990 launch date of ASB Class A is in the Fifth Supplementary Master Prospectus (25 May 2026), section 3.1.9 "Launch Date Class A 2 January 1990". Removed: "Zero" risk and "principal protected" wording for FDs (PIDM caps apply). Confirmed on 17 October 2026: CIMB 3.90% (eFD, 9 October to 3 November), AmBank 3.85% (1 to 31 October), Hong Leong 3.80% (10 October to 3 November, FPX from another bank, new funds), Public Bank 3.70% (1 October to 31 December), Standard Chartered 3.60% (1 October to 31 December), and board rates 1.90% (CIMB) and 1.80% (Hong Leong, AmBank, Public Bank, RHB). Held: Maybank's and CIMB's FD early-withdrawal terms (maybank2u.com.my gave no connection and CIMB's FD product pages returned not found on 17 October 2026), so the guide states early-withdrawal terms only for Hong Leong, Public Bank, BSN and RHB. ASB tax: still described as tax-exempt (not re-checked, HELD); FD interest is exempt for resident individuals.

Amendment, 17 October 2026 (review follow-up). The 0.35% management fee is the Class A fee in the Fifth Supplementary Master Prospectus; the deed allows up to 1.0% for Class B. The key-facts bullet and the comparison table now say so. No figure changed.

Amendment, 25 October 2026 (Boost Bank rates). In the paragraph on digital banks, the clause "and 4% p.a. on the BoostUP Jar (it needs a minimum of RM500 a month spent with your Boost Wallet, and its campaign runs to 17 November 2026)" was removed and replaced with a note that Boost's higher rates are on promotional Special Jars with their own conditions and end dates, with no rate stated; the date Boost's figures were read moved from 17 October to 25 October 2026. We re-read Boost Bank's own savings-account and Special Jars pages on 25 October 2026 (evidence in docs/verification-log/boost-rates-oct25/). The savings page still reads "2.5% p.a. daily interest on your Savings Account" and "3% p.a. daily interest on your Savings Jars", so those figures stay, re-dated 25 October 2026. The Special Jars page lists the BoostUP Jar ("spend a minimum of RM500 monthly with your Boost Wallet, unlock the BoostUP Jar and start saving to earn 4% p.a. daily interest") for "17 Nov 2025 to 17 Nov 2026", and most other Special Jars end on 31 Oct 2026; Boost's savings-account FAQ gives "Special Jars: Up to 3.3% p.a. daily interest" while the Special Jars page says "up to 4% p.a. daily". Because these are campaign rates with near end dates and Boost's own pages disagree on the ceiling, this guide no longer quotes a Special Jar rate: check it in the Boost Bank app. The three early-withdrawal lines that named RHB (Fees, Liquidity and the comparison table) now say "RHB (Islamic Commodity Murabahah Deposit-i)", because the RHB terms we read are for that Islamic deposit, not a conventional FD.

Follow-up amendment, 25 October 2026 (early-withdrawal wording). The emergency-fund paragraph said "FDs lock your money and penalise early withdrawal" without naming a bank. Changed: it now says early withdrawal pays no interest at Hong Leong, Public Bank, BSN and RHB (Islamic Commodity Murabahah Deposit-i) under the terms we read, matching the Fees, Liquidity and table rows above. Removed: "penalise" as a claim about all banks. Evidence: docs/verification-log/batch3-fd-wording-oct25/evidence.md. For RHB, whose terms we read are for an Islamic deposit, the line says "no profit" rather than "no interest".

Amendment, 26 October 2026 (five-year FD total). The downside example gave the fixed deposit's five-year total as "RM60,105". Changed: it now says RM60,104, the total in this guide's own year-by-year FD table (RM50,000 at 3.75%, renewed annually) and the figure the RM3,710 gap is worked from. The "roughly RM2,500" gap is unchanged. No other figure changed.

Amendment, 27 October 2026 (expiring campaign wording). Changed: the 12-month campaign paragraph (CIMB 3.90% and Hong Leong 3.80% to 3 November 2026, AmBank 3.85% to 31 October) now adds that AmBank's page (3.85% to 31 October) and Hong Leong's page (3.80% to 3 November, new funds only) were re-read on 27 October 2026 and unchanged, that CIMB's rate is as shown on 17 October 2026, and that these three campaigns end by 3 November 2026, so the figures are not a current offer after those dates and each bank's page should be checked. Fix round 1, 27 October 2026: the process wording "could not be re-read that day" was replaced by the dates above, and a caption was added to the FD-against-ASB chart saying its 3.90% bar is CIMB's campaign rate, which ends on 3 November 2026. No rate figure changed and none was removed. Evidence: docs/verification-log/batch5-facts-first-2026-10-27/evidence.md.

Amendment, 28 October 2026 (Standard Chartered channel and tiers). Changed: (1) the campaign-rate paragraph said Standard Chartered's rate was "placed at a branch". Standard Chartered's terms (clause 12) let a placement be made over the counter at a branch or, for Priority Private and Priority Banking clients only, through the client's Relationship Manager or myRM, and say that placements made via Online/SC Mobile are not entitled to the Promotional Rate. It now says a branch, or a Relationship Manager or myRM for Priority clients, and not Online/SC Mobile. (2) It said the terms give 3.75% "to some Priority clients" and 3.90% "to some Priority Private clients". Clause 10 of the terms gives 3.75% to clients who upgrade to Priority, buy at least RM200,000 of new Wealth Products, keep at least RM200,000 of Wealth Assets with the bank, are in their birthday month, or are invited Priority Banking clients, and 3.90% to clients who upgrade to Priority Private or are invited Priority Private clients. The text now lists the conditions (upgrade, RM200,000 of new Wealth Products, RM200,000 of Wealth Assets, birthday month) instead of "some Priority clients". Every placement also needs a minimum of RM50,000 of fresh funds, as the paragraph already said. No rate or date changed. Fix round 1, 28 October 2026: (3) the 3.75% condition "buying RM200,000 or more of new Wealth Products" left out what Standard Chartered's terms (clause 7(d)) mean by Wealth Products: unit trusts and retail bonds or sukuk bought at a branch with a recommended sales charge of 2.5%, or structured investments bought at a branch with a recommended sales charge of 1.5%. The text now says so and adds the cost, worked from those figures: 0.15 percentage points on RM50,000 is about RM75 a year, against a 2.5% charge of RM5,000 on RM200,000. (4) "Hong Leong" is now "Hong Leong (eFD)" in the fees and liquidity bullets, the early-withdrawal row of the key-facts table, the comparison table and the emergency-fund paragraph, because only Hong Leong's eFD terms were read. (5) "Relationship Manager or myRM" is now "Relationship Manager (myRM)". No rate or date changed and no figure was removed. Evidence: docs/verification-log/batch6-a43-2026-10-28/evidence.md. Fix round 2, 28 October 2026: (6) "Relationship Manager (myRM)" is restored to "Relationship Manager or myRM", because the terms (clause 12(b)) name them as two channels: "Via the Eligible Client's Relationship Manager or myRM". (7) The long "Current FD Rates" paragraph is split into short paragraphs, with the channel and fresh-funds conditions first; no rate, date or minimum changed. The Hong Leong and Public Bank chart rows now carry their new-funds or fresh-funds condition and the Standard Chartered row carries its channel. (8) The Wealth Products wording now says unit trusts are charged the 2.5% in a lump sum and that structured investments are sold only at Standard Chartered Bank Malaysia Berhad (SCBMB) branches, not Standard Chartered Saadiq Berhad (SCSB) (clause 7(d)). (9) Added that even at the RM1,000,000 cap on the 3.75% tier (clause 10) the extra 0.15 points is RM1,500 a year (0.15% of RM1,000,000). (10) The minimum-investment row and chart label now say "campaign" for Standard Chartered's RM50,000, which is the minimum for the fresh-funds campaign only. No figure was removed.

Amendment, 29 October 2026 (Standard Chartered fresh funds). Changed: the campaign paragraph described fresh funds as "money paid into your Standard Chartered account in the 30 days before you place, not a maturing FD". Standard Chartered's terms (clause 8) also exclude money already at the bank, not only a maturing FD. It now says money paid into your Standard Chartered current or savings account from outside the bank in the 30 days before you place, not money already at the bank such as a maturing FD, and that money from selling Standard Chartered wealth assets does count. The chart note now says "not Online/SC Mobile", the wording the terms use. No rate or date changed.