Pay&Save Account-i
Pay&Save Account-i
with Multi-Currency Feature
Earn higher profit when you save, perform online payments and spend with your debit card-i. Pay&Save Account-i, the only local bank account that comes with 12 foreign currencies.
Earn higher profit on your savings
Maximize the potential of your money. Earn up to 4.15% p.a. profit on your account balance when you make Pay&Save Account-i your everyday account.
SAVE
RM2,000 in one sum monthly
2.25% p.a.
Savings Profit
Savings Profit Rate (wef 11/05/2023)
Mechanism
Profit Rate p.a.
Deposit RM2,000 (lump sum) monthly for 3 consecutive months
2.25%
Profit is calculated daily and credited quarterly.
Profit will be paid from RM1,000 up to a maximum of RM100,000.
PAY
RM500 online monthly
0.50% p.a.
e-Xtra Profit
e-Xtra Profit Rate
Mechanism
Profit Rate p.a.
Pay cumulative of RM500 bills online every month
0.50% (RM30 maximum monthly)
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
SPEND
Spend cumulative of RM500 with your debit card-i every month
0.50% p.a.
Bonus Profit
Debit Card-i Bonus Profit Rate
Mechanism
Bonus Profit p.a.
Spend cumulative of RM500 with your debit card-i every month
0.50% (RM30 maximum monthly)
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
INVEST
O.90% p.a.
Bonus Profit
Share Trading Bonus Profit Rate
Total Monthly Traded Amount (MTA*) (RM)
Bonus Profit 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%
Profit 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
2.25%
p.a.Savings Profit
Savings Profit Rate (wef 11/05/2023)
xMechanism
Profit Rate p.a.
Deposit RM2,000 (lump sum) monthly for 3 consecutive months
2.25%
Profit is calculated daily and credited quarterly.
Profit will be paid from RM1,000 up to a maximum of RM100,000.
Pay
0.50%
p.a.e-Xtra Profit
e-Xtra Profit Rate
xMechanism
Profit Rate p.a.
Pay cumulative of RM500 bills online every month
0.50%
(RM30 maximum monthly)
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
Spend
0.50%
p.a.Bonus Profit
Spend
0.50%
p.a.Bonus Profit
Spend cumulative of RM500 with your debit card-i every month
Learn More >Debit Card-i Bonus Profit Rate
xMechanism
Profit Rate p.a.
Spend cumulative of RM500 with your debit card-i every month
0.50%
(RM30 maximum monthly)
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
Invest
0.90%
p.a.Bonus Profit
Share Trading Bonus Profit Rate
xTotal Monthly Traded Amount (MTA*) (RM)
Profit 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%
Profit 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
| Overview of Monthly Profit | Profit Rate | Amount |
|---|---|---|
| Savings Profit | 1.40% | RM116.67 |
| Bonus Profit | 1.40% | RM116.67 |
| e-Xtra Profit | 1.40% | RM116.67 |
| Share Trading Bonus Profit | % | RM |
| Total (per month) | 1.40% | RM116.67 |
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 Profit. Savings Profit capped at RM500 per quarter, while e-Xtra Profit and Bonus Profit are capped at RM30 per month.
| Profit Rate p.a. (11/05/2023) | Mechanics | |
|---|---|---|
| Savings Profit Rate | 1.25% | Deposit RM2,000 (lump sum) monthly for 3 consecutive months |
| e-Xtra Profit Rate | 0.50% (RM30 maximum monthly) |
Pay cumulative of RM500 bills online every month |
| Bonus Profit Rate | 0.50% (RM30 maximum monthly) |
Spend cumulative of RM500 with your debit card-i every month |
1
12
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 when travelling overseas
Spend in foreign currency using you HLB Debit Card in 12 countries
Withdraw foreign currency from ATMs overseas
Send and receive foreign currencies
Receive currency exchange rate alert
Send and spend foreign currencies in 12 countries
-
Singapore Dollar (SGD)
-
Australian Dollar (AUD)
-
Japanese Yen (JPY)
-
New Zealand Dollar (NZD)
-
Saudi Arabian Riyal (SAR)
-
Euro (EUR)
-
Hong Kong Dollar (HKD)
-
Chinese Renminbi (CNH)
-
Pound Sterling (GBP)
-
US Dollar (USD)
-
Thai Baht (THB)
-
Canadian Dollar (CAD)
How to buy foreign currency with your Pay&Save Account
Click on each step to view app screen
Click on each step to view web screen
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-i 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-i Settings
Step 4
Toggle right to enable the Overseas Withdrawal
We offer door-to-door account opening service at selected locations
Make An Appointment >Visit our nearest branch
Locate Branch >Terms and conditions apply.
MORE INFORMATION
- 18 years old and above
- For individuals, either on single or joint-name basis
- Minimum RM50 to open the account
Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.
KINDLY BE REMINDED:
The operations, sources and uses of funds to and from the 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”).
Savings Profit Rate (wef 11/05/2023)
| Mechanism |
Profit Rate (p.a.) |
|---|---|
| Place RM2,000 single deposit for 3 consecutive months |
2.25% |
Profit is calculated daily and credited quarterly.
Profit will be paid from RM1,000 up to a maximum of RM100,000.
Debit Card Bonus Interest Rate
| Mechanism |
Profit Rate (p.a.) |
|---|---|
| Spend RM500 cumulative monthly |
0.50% (RM30 maximum monthly) |
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
e-Xtra Profit
| Mechanism |
Profit Rate p.a. |
|---|---|
| Pay RM500 cumulative monthly |
0.50% (RM30 maximum monthly) |
Profit is calculated monthly based on Monthly Average Balance and credited on the 1st of the following month.
Share Trading Bonus Profit Rate
| Total Monthly Traded Amount (MTA*) (RM) |
Profit 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% |
Profit 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
