How to Choose a Savings Account in Malaysia (2026): Base Rates, Bonus Conditions and PIDM

Your savings account is probably earning less than it should. The average conventional savings account at a major Malaysian bank pays 0.25–0.60% per annum — barely enough to notice, and well below what newer accounts are offering. With Bank Negara Malaysia having cut the Overnight Policy Rate (OPR) to 2.75% in July 2025 (from 3.00%, where it had held since May 2023), savings and FD rates have edged down with it — which makes locking in a competitive savings rate now a reasonable move before any further easing. This guide explains how savings rates work and how to choose an account: the base rate you keep, the conditions behind a headline rate, and what each condition asks of you. It uses named accounts (not just banks) as worked examples.Source: Bank Negara Malaysia. Data and information are subject to Terms of Use for BNM Datasets.

Want accounts side by side rather than explained? See our Best High-Yield Savings Accounts in Malaysia list.

Bottom line: Judge a savings account on the base rate you keep, then on what its headline rate asks of you. The digital banks pay the most, but only two of them beat a conventional account on money you can withdraw freely. Boost Bank pays 2.5% p.a. on its Savings Account and 3% p.a. on Savings Jars, and GX Bank pays 2.00% p.a., all with no minimum balance and no lock-in, versus 0.25–0.60% at most conventional banks. AEON Bank's prevailing rate is 0.25% p.a. — its 3.00% is a promotion on Savings Pots. If your emergency fund or idle cash is sitting in a traditional savings account, compare what it earns with those base rates before chasing a headline, and see the current list of high-yield savings accounts for accounts side by side. All of these banks are PIDM-protected up to RM250,000 per bank.

Best for: everyday savers and emergency funds that need instant access. For lump sums you won't touch, a fixed deposit or money-market fund usually pays more (linked below).

Last updated 28 October 2026 · money.com.my Editorial

Worked Examples: What Each Account Asks of You#

Note: Digital bank rates (GX, AEON) were verified against each bank's own website on 29 July 2026, and Boost's were read on its own pages on 17 October 2026 and are subject to periodic review. AEON's 3.00% is a promotion and GX's 6-month Bonus Pocket rate of 3.80% was checked on 11 October 2026 (GX's page shows no effective date), so both can move. Tiered rates at Maybank and AmBank require salary credit or minimum monthly transaction activity.

For accounts side by side — listed by our editorial rating rather than explained — see Best High-Yield Savings Accounts in Malaysia. This guide is the companion explainer: it covers how the tiers and conditions behind those rates work, so you can tell which headline rate you would actually earn.

How Each Account's Rate Works#

Mission-based tiers — Maybank2u Savers#

Maybank2u Savers shows how a mission-based account works: it rewards you for doing what a Maybank customer would do anyway. It pays a low base rate, and lifts that rate when you complete a set of monthly banking activities Maybank calls Missions. There is a Shariah-compliant twin, Maybank2u Savers-i, which works the same way.

The qualifying activities typically cover things a primary-bank customer already does — crediting a salary, card spending, paying bills through Maybank2u. We have not re-verified the current rate tiers or the exact qualifying conditions, so we are not printing them here. Maybank revises both, and a stale number on a savings comparison is worse than no number. Check the live figures on the Maybank2u Savers product page before you decide.

For most salaried Malaysians already using Maybank as their primary bank, qualifying takes little or no behaviour change, which is why this kind of account suits someone who wants a better rate without switching banks. The account is PIDM-insured and accessible through the MAE app and Maybank2u.

One limitation is structural and worth knowing regardless of the current numbers: the lifted rate is assessed month by month. Miss the qualifying activities in a given month and you drop to the base rate for that period. Check the MAE app at the start of each month to confirm where you stand.

Base rates versus bonus rates — GX Bank, AEON Bank, Boost Bank#

GX Bank and Boost Bank impose no minimum balance (AEON Bank's pages differ on whether RM20 must stay in its Savings Account-i), and two of the three pay meaningfully more than a conventional bank on an ordinary balance. The exception is AEON, whose standing rate is no better than a conventional account. Compare the base rate first, then decide whether the bonus rate is worth its condition.

GX Bank (backed by GXS, the Grab–Singtel joint venture, together with Kuok Brothers) pays 2.00% p.a. on its main account and Savings Pockets, available from the first ringgit with no lock-in. To earn more you move money into a Bonus Pocket: 3.18% p.a. over 3 months or 3.80% p.a. over 6 months. That bonus rate includes the 2.00% base rather than adding to it, holds a maximum of RM12,500 per pocket across at most four pockets, and forfeits the accrued bonus interest if you withdraw early — the base interest already credited stays yours. Opening takes around five minutes via the GX Bank app. GX Bank is a conventional bank licensed under the Financial Services Act 2013, so it pays interest, not profit — it is not Shariah-compliant. For a detailed walkthrough of the account, see the GX Bank savings account review.

AEON Bank (backed by AEON Financial Service and MUFG) publishes two rates. Its prevailing profit rate is 0.25% p.a. on both the Savings Account-i and Savings Pots. The 3.00% p.a. it advertises is a promotion on Savings Pots, of which you can open up to 20. AEON's FAQ says no minimum is needed in Savings Pots to earn the 3.00%; on the Savings Account-i itself its pages differ (RM20 to keep the account active in one FAQ answer, no minimum in another and in the account terms). AEON also ties in cashback benefits for customers who shop at AEON malls or use the AEON Pay card — and for an AEON shopper those benefits, rather than the rate, are the reason to open the account. When the promotion ends, that money earns 0.25% p.a. unless you move it.

Boost Bank (backed by Axiata and RHB) pays 2.50% p.a. on its Savings Account and 3.00% p.a. on Savings Jars, which you can open from RM1 with no minimum balance and no transaction conditions — the highest of these three on money you can withdraw at will (Ryt Bank, not in this list, shows 2.05% on its savings page and 3% on its Rewards page). 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. That rate is bought with spending or another condition; it is not paid on an ordinary balance. Boost's rates were re-read on its own pages on 25 October 2026. For the full account breakdown, see the Boost Bank review 2026.

The trade-off with digital banks is the branch network: there are none. If you need to deposit cash, you will need to transfer from another account. For savings that never touch physical cash, that restriction does not matter.

Low balances and branch access — BSN savings account#

Bank Simpanan Nasional (BSN) is the government savings bank under the Ministry of Finance. The BSN savings account account pays a modest 0.35% p.a., so its case is not the rate.

BSN's case is accessibility. It has the largest physical network of any bank in Malaysia — over 400 branches, many in small towns and rural areas without access to a CIMB or Maybank branch. BSN savings account requires only RM1 to open, there is no monthly fee, and the account is linked to BSN's ATM network which accepts cash deposits at branches. For Malaysians outside the Klang Valley, or for parents setting up a first account for a child, BSN savings account removes every practical barrier.

BSN is not a PIDM member; deposits are guaranteed by the Government under section 20 of the Bank Simpanan Nasional Act 1974. For children under 18, BSN also offers the MyFirst Savings-i account, a Shariah-compliant option with the same low threshold.

Beyond a bank account — ASNB funds and AmBank eFlex#

If you are looking for a savings account that complements a longer-term wealth plan rather than simply parking short-term cash, two options are worth understanding.

ASNB funds (Amanah Saham Nasional Berhad) are not technically savings accounts — they are unit trust funds — but they function as high-yield, liquid savings alternatives for Malaysians. Open-to-all funds like Amanah Saham Malaysia 2 (ASM 2) and Amanah Saham Malaysia 3 (ASM 3) have historically paid 4–5% p.a. in distributions. Units can typically be redeemed within one to three business days. If you have not reviewed your ASNB eligibility, visit asnb.com.my directly. For Bumiputera investors, ASB remains one of the best short-term savings instruments available with returns that consistently outpace bank savings rates.

AmBank AmBank eFlex Savings pays up to 1.00% p.a. on a tiered basis — a modest rate, but the account is worth mentioning for AmBank customers who also hold an AmBank credit card or home loan. The AmBank eFlex links directly to AmBank's everyday banking ecosystem, and the tiered rate is triggered by salary credit or maintaining a minimum average daily balance. It is not a rate you would open a new bank relationship for, but it makes sense as a secondary savings account if you are already an AmBank customer.

How to Choose a Savings Account#

For accounts side by side, see our Best High-Yield Savings Accounts in Malaysia list.

What Affects Your Interest Rate#

Not all savings accounts pay the same rate to every customer. These are the main levers:

Salary crediting: Crediting your salary directly to the account (typically RM1,500+ per month) is the single most common trigger for a higher savings rate. Maybank2u Savers and several other tiered accounts unlock their best rates primarily through this mechanism. If your employer's payroll runs through a specific bank, that bank's account becomes naturally more valuable for your savings.

Transaction requirements: Some accounts require a minimum number of debit card or online transactions per month to qualify for a higher tier. Three to five transactions is typical. These are easy to meet if the account is your primary spending account — but if you are opening a secondary account for savings only and rarely transact through it, you may default to the base rate.

Minimum average daily balance: Accounts like RHB RHB MaxSave require a minimum balance (RM500 in that case) to avoid a service charge or to qualify for the advertised rate. Always check the minimum balance requirement against what you plan to hold in the account — falling below it can wipe out any interest earned.

New-to-bank promotions: Several banks run limited-time promotions for new account holders, offering above-standard rates for the first three to six months. These are worth capturing, but treat the promotional rate as a short-term bonus, not a long-term basis for comparison.

Savings Account vs. Fixed Deposit — Which Is Right for You?#

A savings account keeps your money accessible at any time. A fixed deposit locks your money away for a defined period (1, 3, 6, or 12 months) in exchange for a higher guaranteed rate.

The practical question is whether you need the liquidity. If you will not touch the money for at least three months, an FD will usually pay more than a conventional savings account. Bank Negara Malaysia publishes the average 3-month FD rate every month, and the latest figure is in our FD rates tool. In October 2026, 3-month campaign rates were 3.45% p.a. at AmBank (campaign period ending 31 October), 3.50% at Hong Leong and 3.55% at CIMB (both campaigns ending 3 November). All three campaigns end on or before 3 November 2026 and later offers can differ, so check each bank's own page for its current offer. Some campaigns need money from another bank. If you might need the money urgently, a savings account is the right tool: Hong Leong (eFD), Public Bank and BSN pay no interest on a fixed deposit withdrawn early under the terms we read (RHB's Commodity Murabahah Deposit-i pays no profit, after 1 January 2019, per its product disclosure sheet), and we did not read Maybank's or CIMB's current terms, so check the bank's terms before placing.

For most Malaysians, the ideal structure is a savings account for your emergency fund (three to six months of expenses, liquid at all times) and an FD or ASNB for surplus savings you will not touch for a defined period.

See how fixed deposits work for board rates, campaign rates and their conditions.

Frequently Asked Questions#

Is my savings account protected if the bank fails?

Yes. All deposits at BNM-licensed banks and digital banks in Malaysia are insured by Perbadanan Insurans Deposit Malaysia (PIDM). The coverage limit is RM250,000 per depositor per member institution. This includes both conventional and Islamic accounts. If you hold more than RM250,000 in savings, spread it across two or more separate banks (not just separate accounts at the same bank) to maximise your covered amount. Verify membership status at pidm.org.my.

What is the difference between a conventional savings account and an Islamic savings account?

A conventional savings account pays interest — a fixed return calculated as a percentage of your balance. An Islamic savings account operates on Shariah-compliant contracts such as mudharabah (profit-sharing) or wakalah (agency), where the bank invests your funds and shares the profit with you. In practice, Islamic savings accounts at the same bank pay comparable rates to their conventional counterparts, and the profit rate for most established Islamic accounts is declared in advance and met consistently. Among the digital banks, AEON Bank is the Islamic one for retail savers, licensed under the Islamic Financial Services Act 2013 (KAF Digital Bank also holds an IFSA licence but focuses on SME banking). GX Bank, Boost Bank and Ryt Bank are conventional, licensed under the Financial Services Act 2013. BSN MyFirst Savings-i is Islamic.

Do I need to pay tax on savings account interest in Malaysia?

Interest income from savings accounts at licensed Malaysian banks is exempt from personal income tax for individuals — you do not need to declare it in your income tax return (e-Filing on MyTax). This applies to conventional interest and to Islamic profit distributions. The exemption is straightforward and applies regardless of the amount earned. Corporate or business accounts are treated differently — interest income for companies is taxable.

Can foreigners open a savings account in Malaysia?

Yes. Most major banks — Maybank, CIMB, Public Bank, RHB, Hong Leong — allow foreign nationals to open a savings account with a valid passport and a Malaysian visa or pass (employment pass, student pass, or social visit pass). Requirements vary by bank and are periodically updated; the safest step is to contact the bank branch directly or check their website before visiting. Digital banks (GX Bank, AEON Bank, Boost Bank) currently require a Malaysian identity card (MyKad) for account opening, which means they are not an option for most foreign nationals.

Amendment — 31 July 2026. The conventional-versus-Islamic section previously stated that "AEON Bank and Boost Bank are Islamic — both hold licences under the Islamic Financial Services Act 2013". That was wrong about Boost Bank. Bank Negara Malaysia licensed the Boost/RHB consortium under the conventional Financial Services Act 2013 on 29 April 2022, and PIDM lists Boost Bank Berhad under Licensed Banks. Among the digital banks, AEON Bank is the Islamic option for retail savers; GX Bank, Boost Bank and Ryt Bank are conventional.

Amendment, 6 August 2026. This guide's "Best Overall" pick was the Maybank SaveUp Account, described with a 0.25% base rate, an "up to 3.00% p.a." tiered rate and a list of five qualifying criteria. SaveUp is a Maybank Singapore product and is not sold in Malaysia. Maybank Malaysia's mission-based savings account — the one this section was actually describing — is Maybank2u Savers, with a Shariah-compliant twin, Maybank2u Savers-i. The pick has been renamed and the rate figures removed rather than restated, because we have not re-verified Maybank2u Savers' current tiers and a stale rate on a savings comparison does more harm than an absent one.

Still outstanding on this guide, disclosed rather than quietly fixed: several other product names in the comparison table above did not resolve against those banks' own current line-ups when we checked. They are being re-verified, and this guide will carry a further amendment when that work lands. Until then, confirm any account name and rate on the bank's own page before acting on it.

Amendment, 6 August 2026 (second correction). Following the Maybank SaveUp correction below, we checked every remaining product name in the comparison table against each bank’s own current account list. Five more did not exist: CIMB “eXtra Saver”, Hong Leong “HLe-CLICK Save”, AmBank “Am-Savvy Savings”, RHB “Easy-One Account” and BSN “MySave”. Affin’s was misspelled (it is AFFIN eSaver-i). The table now names only accounts we have confirmed on the bank’s own site — CIMB Regular Savings / EcoSave / Wadiah Savings-i, Hong Leong Pay&Save, AmBank eFlex / AmWafeeq Savings-i / Everyday Savings, RHB MaxSave / Savings Account-i, and AFFIN eSaver-i. The interest rates that sat beside the invented names have been removed rather than moved across, because they were attached to products that do not exist and we have not re-verified rates for the real ones. Check the rate on the bank’s own page. The Public Bank row was removed pending verification. This guide’s description no longer claims “Rates verified July 2026”.

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 (refocus). This guide was refocused on how savings rates work and how to choose an account, so that it no longer competes with our Best High-Yield Savings Accounts in Malaysia list for the same search. It no longer names picks: the "Top Picks" section and its "Best Overall", "Best Digital Rate", "Best for Low Balances" and "Best for Seniors" labels became worked examples of how each account's rate works, the bottom line no longer recommends a specific account, the first FAQ asks how to compare rates rather than which bank is highest, and a short "How to Choose a Savings Account" checklist was added from points already in this guide. A sentence that described the list as ordered by current rate was corrected: the list is ordered by our editorial rating, not by rate. The title and description changed to match; the URL is unchanged. No rate, condition or other product figure was changed.

Amendment, 11 October 2026 (fixed deposit rates). The "Savings vs fixed deposit" section and its callout gave standard 3-month FD rates as "around 2.60–2.70% p.a." and promotional rates reached "3.50–4.00%" for new funds. Our fixed deposit guide has corrected both. The guide said "2.60–2.70%" for that average, which was roughly the level from before the July 2025 OPR cut and has been removed rather than restated; readers are sent to Bank Negara Malaysia's latest average in our FD rates tool. The promotional range is now 3.45% p.a. at AmBank (to 31 October), 3.50% at Hong Leong (to 3 November) and 3.55% at CIMB (to 3 November) for 3-month campaigns in October 2026, each with an end date. Not every campaign needs new funds: CIMB's and AmBank's also accept a transfer from your own account at that bank. 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. Confirm any rate on the bank's own page before acting on it.

Amendment, 11 October 2026 (wording). In the amendment notes above, each superseded figure is now introduced by "the guide said" or "gave … as", so it reads plainly as the old figure rather than a current one. No figure in this guide changed.

Amendment, 11 October 2026 (BSN protection). In the BSN savings account section the guide said "The account is PIDM-insured." BSN is not a PIDM member; its deposits are guaranteed by the Government under section 20 of the Bank Simpanan Nasional Act 1974. Sources: PIDM's member-bank list and the Bank Simpanan Nasional Act 1974, read on 11 October 2026.

Amendment, 17 October 2026 (FAQ answer). The minimum balance FAQ said some accounts need "RM1,000–RM10,000" for the top tier, a range this guide does not state, and contradicted itself in the next sentence. It now says that none of the three digital banks here imposes a minimum balance and that some conventional accounts tie their top tier to salary crediting, transactions or a minimum balance (RM500 for RHB MaxSave, as above).

Follow-up amendment, 17 October 2026 (AEON minimum balance). The FAQ answer and the summary said none of the three digital banks imposes a minimum balance. AEON Bank's own FAQ (read 17 October 2026) says "The minimum balance refers to the RM 20 minimum that you must maintain in your Savings Account-i for your account to remain active", so both lines now say so.

Follow-up amendment, 17 October 2026 (Boost Bank rates). The FAQ, bottom line, comparison table row, Boost paragraph, chart caption and the second numbered tip gave Boost's rate as "up to 3% p.a. on Savings Jars" and its higher rate as "up to 4% on Special Jars earned by partner spend", leaving out the 2.5% Savings Account rate. They now give 2.5% p.a. on the Savings Account, 3% p.a. on Savings Jars and the BoostUP Jar's 4% with its RM500 monthly Boost Wallet spend condition (campaign 17 Nov 2025 to 17 Nov 2026); other Special Jars on Boost's page pay up to 3.3%. The "earned by partner spend" wording is removed for the 4%, because Boost's page ties the BoostUP Jar to Boost Wallet spend. The chart data still shows Boost's 3.00% Savings Jar bar, now labelled in the text around it. Boost source: Boost Bank's own Savings, Special Jars and home pages and Product Disclosure Sheet (effective January 2025), read 17 October 2026 (docs/verification-log/followups-g3-oct17).

Amendment, 24 October 2026 (AEON minimum balance, three statements reconciled). The guide gave AEON Bank's minimum balance three ways: "RM0" in the comparison table, "There is no minimum balance" in the AEON section, and RM20 in the FAQ answer and the base-rate section (after the 17 October follow-up above). AEON's own sources, read 24 October 2026, do not agree with each other, so we do not pick one. AEON's FAQ (aeonbank.com.my/faq) answers "Is there a minimum balance I must maintain for my Savings Account-i?" with "You do not need to maintain a minimum balance in your Savings Account-i", but elsewhere says "The minimum balance refers to the RM 20 minimum that you must maintain in your Savings Account-i for your account to remain active". The Savings Account-i terms (version 6.0, 17 March 2026) say "you are not required to maintain a minimum amount in your Savings Account-i unless notified to you otherwise via the AEON Bank Application and the AEON Bank Website". The table, the AEON section, the base-rate section and the FAQ answer now all say AEON's pages differ, and to confirm in the app. No rate was changed.

Amendment, 25 October 2026 (Boost Bank rates). Changed: (1) the FAQ answer on how to compare savings rates said "Boost's 4% p.a. BoostUP Jar needs a minimum of RM500 a month spent with your Boost Wallet (campaign to 17 November 2026)"; it now describes Boost's promotional Special Jars without a rate. (2) The comparison table's Boost row dropped "4.00% on BoostUP Jar (RM500 monthly Boost Wallet spend, to 17 Nov 2026)". (3) The "Headline rates, and what each one asks" chart dropped its "Boost BoostUP Jar" 4.0% bar; the GX, AEON and Boost Savings Jars bars are unchanged. (4) The Boost paragraph removed "Its headline 4.00% p.a. applies to the BoostUP Jar ... (campaign 17 Nov 2025 to 17 Nov 2026)" and "its other Special Jars pay up to 3.3%"; it now describes the Special Jars without a rate and dates Boost's rates 25 October 2026. (5) The Boost Bank rate card dropped its "BoostUP Jar, 4.00% p.a." and "Other Special Jars, up to 3.3% p.a." rows. (6) The base-rate chart caption dropped "Boost 4% on the BoostUP Jar (RM500 a month of Boost Wallet spend, to 17 November 2026)". (7) The "how to choose" steps said "Boost Bank’s BoostUP Jar needs RM500 a month on your Boost Wallet"; it now says Boost's promotional Special Jars need spending with its partners. 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. Wording softened from "each needs partner spend or another condition" to "most need partner spend or another condition", because Boost's Special Jars page also lists the Boost Celebration Jar ("no extra requirements needed") and the Unlimited Jar ("Start saving today") alongside jars that do need partner spend, a Great Eastern insurance purchase (Protect Jar) or eligible CelcomDigi transactions. The comparison-table cell "Highest rate on freely withdrawable money" is now "Among the highest rates on freely withdrawable money", the Boost paragraph says "the highest of these three" (naming that Ryt Bank is not in this list and shows 2.05% on its savings page and 3% on its Rewards page), and the chart label "highest with no conditions" is now "highest of these, no conditions", because Ryt's Rewards page states a 3% base.

Amendment, 27 October 2026 (expiring campaign wording). Changed: the "savings vs fixed deposit" paragraph gave the 3-month campaign rates as "3.45% p.a. at AmBank (to 31 October), 3.50% at Hong Leong (to 3 November) and 3.55% at CIMB (to 3 November)". It now gives the same October 2026 rates with each campaign's end date, says all three end on or before 3 November 2026 and that later offers can differ, and points readers to each bank's own page. AmBank's page was re-read on 27 October 2026. Hong Leong's page was also re-read on 27 October 2026 and was unchanged (3.50% for 3 months and 3.80% for 12 months to 3 November, new funds only); CIMB's rates are as read on 17 October 2026. No rate figure changed and none was removed. Also changed, 27 October 2026 (fix round 1): the same paragraph and the "right split" box said "breaking an FD early forfeits all interest earned" and "forfeits the interest" as a rule for every bank. Removed: both universal claims. The paragraph now names Hong Leong, Public Bank and BSN (terms read) and RHB's Commodity Murabahah Deposit-i (after 1 January 2019, as its disclosure sheet words it), and says Maybank's and CIMB's current terms were not read; the box says "pays no interest at several banks" and links to the fixed deposit guide's early-withdrawal FAQ. A duplicated sentence about campaign end dates was also removed. Fix round 2, 27 October 2026: the RHB Commodity Murabahah Deposit-i clause now says it pays "no profit" (the disclosure sheet's word for an Islamic deposit) instead of "no interest"; no figure was changed or removed. Evidence: docs/verification-log/batch5-facts-first-2026-10-27/evidence.md and docs/verification-log/batch3-fd-wording-oct25/evidence.md.

Amendment, 28 October 2026 (Hong Leong eFD). The "savings vs fixed deposit" paragraph said "Hong Leong, Public Bank and BSN pay no interest on a fixed deposit withdrawn early under the terms we read". Changed: Hong Leong is now "Hong Leong (eFD)", because the Hong Leong terms we read are its eFD Account terms (clause 20) and no counter FD terms were read. Public Bank (FD terms, clause 5.4) and BSN (Term Deposit terms, clause 6.2) are unchanged. Evidence: docs/verification-log/batch6-a43-2026-10-28/evidence.md.