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Pay&Save Account-i

  • Savings Account >
  • Pay&Save Account-i

Earn higher profit with HLB Pay&Save Account-i

Save & Spend like a local in 12 foreign currencies with HLB Pay&Save Account-i

Just one account for everyday and holidays with HLB Pay&Save Account-i

Set Appointment

Pay&Save Account-i

with Multi-Currency Feature

save

SAVE

2.25%

p.a.

Savings Profit


Learn More >

SAVE

RM2,000 in one sum monthly

2.25% p.a.

Savings Profit

Savings Profit Rate (wef 11/05/2023)

How it works

Profit Rate p.a.

Deposit RM2,000 (in one transaction) monthly for 3 consecutive months

2.25%


Profit is calculated daily and credit quarterly on the 1st of January, April, July and October.
Profit will be paid up to a maximum balance of RM100,000.
A minimum end-day balance of RM1,000 is required to be eligible.

pay

PAY

0.50%

p.a.

e-Xtra Profit


Learn More >

PAY

RM500 online monthly

0.50% p.a.

e-Xtra Profit

e-Xtra Profit Rate

How it works

Profit Rate p.a.

Pay cumulative of RM500 bills online every month
(Including but not limited to JomPay billers; FPX registered merchants; financing repayments)

0.50% (RM30 maximum monthly)


Profit is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.

spend

SPEND

0.50%

p.a.

Bonus Profit


Learn More >

SPEND

Spend cumulative of RM500 with your debit card every month

0.50% p.a.

Bonus Profit

Debit Card-i Bonus Profit Rate

How it works

Bonus Profit p.a.

Spend cumulative of RM500 with your debit card-i every month
(Including but not limited to spend at petrol, shopping, groceries, dining, e-Wallet reload, etc)]

0.50% (RM30 maximum monthly)


Profit is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.

invest

INVEST

0.90%

p.a.

Bonus Profit


Learn More >

INVEST

0.90% 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 daily based on the each day’s end-day 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

Save

2.25%

p.a.

Savings Profit

Save

2.25%

p.a.

Savings Profit

RM2,000 in one sum monthly

Learn More >

Savings Profit Rate (wef 11/05/2023)

x

How it works

Profit Rate p.a.

Deposit RM2,000 (in one transaction) monthly for 3 consecutive months

2.25%


Profit is calculated daily and credit quarterly on the 1st of January, April, July and October.
Profit will be paid up to a maximum balance of RM100,000.
A minimum end-day balance of RM1,000 is required to be eligible.

pay

Pay

0.50%

p.a.

e-Xtra Profit

Pay

0.50%

p.a.

e-Xtra Profit

RM500 online monthly

Learn More >

e-Xtra Profit Rate

x

How it works

Profit Rate p.a.

Pay cumulative of RM500 bills online every month
(Including but not limited to JomPay billers; FPX registered merchants; financing repayments)

0.50%
(RM30 maximum monthly)


Profit is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.

spend

Spend

0.50%

p.a.

Bonus Profit

Spend

0.50%

p.a.

Bonus Profit

Spend cumulative of RM500 with your debit card every month

Learn More >

Debit Card-i Bonus Profit Rate

x

How it works

Profit Rate p.a.

Spend cumulative of RM500 with your debit card-i every month
(Including but not limited to spend at petrol, shopping, groceries, dining, e-Wallet reload, etc)

0.50%
(RM30 maximum monthly)


Profit is calculated daily based on the each day’s end-day balance and credited on the 1st of the following month.

invest

Invest

0.90%

p.a.

Bonus Profit

Invest

0.90%

p.a.

Bonus Profit

 

Learn More >

Share Trading Bonus Profit Rate

x

How it works

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 daily based on the each day’s end-day 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

Edit accordion component

Find out how much profit you could earn

Pay&Save-i Profit Calculator

Find out how much profit you could earn

RM
e.g. 50000
This field is required.
What do you do with your account?
RM
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 1.40% RM116.67
Total (per month) 1.40% RM116.67

disclm 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.

Pay&Save-i is now available for Sole Proprietor

  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
Find out more

1

account

12

 currencies

Enjoy multi-currency convenience with your Pay&Save Account-i.
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-i multi-currency feature:

No need to exchange and carry cash

No need to exchange and carry cash when travelling overseas

Spend in foreign currency

Spend in foreign currency using your HLB Debit Card-i in over 31 countries

Withdraw foreign currency from ATMs overseas

Withdraw foreign currency from ATMs overseas

send and receive foreign currencies

Send and receive foreign currencies

Receive currency exchange rate alert

Receive currency exchange rate alert

ENTER THE DETAIL BELOW FOR SUBTITLE COMPONENT

Multi-Currency Animation

 

Travel with 12 major

foreign currencies

 

Convert and save your money in different currencies with competitive exchange rates in just a single wallet

Amount

Converted To

 

All rates are indicative and may vary due to market conditions.

Please login to HLB Connect for Foreign Currency Deposit and actual forex rates.

How to buy foreign currency with your Pay&Save Account-i

HLB Connect App
HLB Connect Online

Click on each step to view app screen

1

Login and tap on Menu

2

Tap on Foreign Currency Deposit

3

Select the currency you desired to convert and enter required amount

4

Follow instructions on screen to proceed

Click on each step to view web screen

1

Login and click on Buy Foreign Currency button next to your Pay&Save Account/-i

2

Select the currency you desired to convert and enter desired amount

3

Follow instructions on screen to proceed

Handy TIPS before you travel

Top Up Account With Foreign Currencies
Enable Debit Card-i for Overseas Retail Purchase
Enable Debit Card-i for Overseas Withdrawal

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

Edit accordion component

Frequently Asked Questions

Frequently Asked Questions

We offer door-to-door account opening service at selected locations

Make An Appointment >

Visit our nearest branch

Locate Branch >

MORE INFORMATION

  • Eligibility
  • Profit Rate (WEF 11/05/2023)
  • Fees & Charges
  • Terms & Conditions


  • 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 Account (“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-i Bonus Profit 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



Important notice

Please click HERE for the exhaustive list of fees and charges.





General Terms & Conditions

Terms & Conditions of Islamic Banking Deposits

Hong Leong Pay&Save Account-i Terms & Conditions



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