Compare saving conditions, cash and card costs, payments and support. Start with the job you need your account to do.
Cash borrowing, purchase credit and business lending have different eligibility and costs.
Explore digital-bank loans & financingCompare ordinary returns with promotional conditions and early access.
Savings & conditionsCompare the ATM network, card fees and foreign-currency charges.
Fees & cash accessCheck bills, payment limits and support before moving salary.
Payments & supportUpdated 8 October 2026. “Ask the bank” marks a detail to confirm before relying on it. Conflicting published terms are explained in the relevant row. Swipe tables sideways on a phone.
| Bank | Opening & ongoing balance | Ordinary return | Additional return conditions |
|---|---|---|---|
 GXBankConventional | RM20 initial transfer from your own bank account within 30 days; no ongoing minimum balance.Official source | 2.00% p.a. on the main account and ordinary Savings Pockets.Official source | |
 AEON BankIslamic | RM1 initial deposit from your own bank account via DuitNow or FPX; no ongoing minimum balance under the terms effective 17 March 2026.Official source | Ordinary prevailing profit rate checked 8 October 2026: 0.25% p.a. for Savings Account-i and Savings Pots when no promotion applies. Profit is calculated daily and paid monthly.Official source | Savings Pot promotional profit checked 8 October 2026: 3.00% p.a. until 28 February 2027. The promotional rate applies only to money moved into a Pot while its conditions apply. Up to 20 Pots.Official source |
 Boost BankConventional | 2.50% p.a. on the Digital Savings Account; 3.00% p.a. on ordinary Savings Jars, calculated and paid daily. Special Jars have separate campaign rates.Official source | ||
 KAF Digital BankIslamic | RM1 initial transfer from another financial institution; no ongoing minimum balance.Official source | No promised savings return. Hibah is a discretionary gift; historical rates are not a future rate.Official source | Do not compare historical hibah with a guaranteed fixed-deposit return. The bank may choose whether to give hibah.Official source |
 Ryt BankConventional | 2.05% p.a. base interest on the main account and Save Pockets, paid daily.Official source | Up to 4.00% p.a. total on the first RM20,000 across Save Pockets when eligible. Five qualifying stamps renew a 30-day bonus period. Campaign ends 1 February 2027; a bank-wide quota also applies.Official source |
Money in a main account, ordinary Pocket/Jar and promotional Pocket/Pot can earn different returns. AEON’s Pot promotion has an end date; KAF’s hibah is discretionary. Boost’s employee-only payroll product is excluded. Rates are shown per year (p.a.).
Illustration: if RM2,000 is next month’s rent and bills, access and payment reliability matter more than a six-month bonus. A 1 percentage-point improvement on RM2,000 held unchanged for a year is about RM20 before compounding. That hypothetical difference can be smaller than card or ATM costs.
Work out the difference for your balance| Bank | Physical card issuance | Annual card fee | Replacement |
|---|---|---|---|
| GXBankConventional | RM12Official source | RM12Official source | |
| AEON BankIslamic | RM12; no charge for chip/card defects.Official source | ||
| Boost BankConventional | RM8; first year waived.Official source | RM12 for lost/stolen/damaged cards; faulty-chip replacement and renewal free.Official source | |
| KAF Digital BankIslamic | RM12, currently waived.Official source | RM12, currently waived.Official source | RM12 for fraud/lost/stolen card replacement.Official source |
| Ryt BankConventional | RM12Official source | RM12Official source |
| Bank | Selected account fees | Dormancy |
|---|---|---|
| GXBankConventional | RM0 for closure, statements and DuitNow transfers.Official source | Ask the bankA fee may apply after 365 inactive days, and interest stops while dormant. Ask for the current dormancy charge.Official source |
| AEON BankIslamic | RM20 if closed within three months.Official source | Sources conflictAfter 12 months without a financial transaction, a balance of RM10 or less is taken as the service fee and the account is closed; above RM10, RM10 is charged annually while dormant. The 17 March 2026 disclosure says “less than RM10” and leaves exactly RM10 unstated, while the same-date terms clause 14.2 says “RM10 and below”; under the terms, exactly RM10 is therefore taken as the fee and the account closes. Clause 14.3 says AEON will not close Savings Account-i if another active AEON banking service requires it.Source 1 · Source 2 |
| Boost BankConventional | RM0 service, e-statement, closure and DuitNow transfer charges.Official source | Sources conflictAfter 12 months without a customer-initiated debit or credit, the current terms classify the account as dormant, block ordinary transactions until in-app reactivation and charge RM10 a year; bank-posted interest or fees do not reset activity. The January 2025 disclosure conflicts internally: one passage says automatic closure after 12 months, while another says closure may occur when the balance cannot cover the RM10 fee and otherwise after seven years. It does not say whether a balance below RM10 is taken as the fee or returned. Ask Boost Bank in writing which closure and residual-balance rule applies.Source 1 · Source 2 |
| KAF Digital BankIslamic | RM20 closure within three months; e-statements free.Official source | RM10 annually on dormant balances of RM10+ until exhausted or up to seven years. Below RM10, remaining funds become a fee and the account closes.Official source |
| Ryt BankConventional | RM0 service, closure and e-statement fees; DuitNow transfer fee waived.Official source | RM0, including dormant-account activation.Official source |
| Bank | Domestic ATM / cash out | Overseas ATM | Foreign-currency card purchases |
|---|---|---|---|
| GXBankConventional | Bank-owned MEPS ATMs: waived. White-label ATMs: RM1 per withdrawal.Official source | RM8 bank fee, waived until 6 November 2026; operator fees can still apply.Official source | 1.2% bank fee, waived until 6 November 2026. Mastercard conversion applies.Official source |
| AEON BankIslamic | Check the serviceVisa Plus: RM4. MyDebit CashOut: RM0.50. Ask about the fee for other domestic ATM networks.Official source | Visa Plus: RM10 per withdrawal.Official source | Foreign currency: 1% Visa + 1% bank fee. DCC: 1% Visa fee on converted RM.Official source |
| Boost BankConventional | Local MEPS fee waived from 1 July 2026.Official source | Mastercard network: RM12 per withdrawal.Official source | 1.25% plus any Mastercard fees.Official source |
| KAF Digital BankIslamic | Up to 1.2%, plus Visa conversion and any additional Visa fees.Official source | ||
| Ryt BankConventional | Domestic MEPS fee waived.Official source | RM12 per withdrawal.Official source | 2% on foreign-currency transactions; Visa conversion applies.Official source |
ATM fees are per withdrawal. MEPS is a shared Malaysian ATM network; a white-label ATM is operated independently rather than carrying a bank’s brand. MyDebit Cash Out may allow cash withdrawal with a purchase at participating merchants. An ATM operator may add its own charge. Overseas, paying in ringgit through dynamic currency conversion (DCC) uses the merchant or ATM provider’s offered rate; compare it with paying in the local currency and letting your card network and bank convert it.
| Bank | DuitNow transfer / QR | Debit card | JomPAY |
|---|---|---|---|
| GXBankConventional | |||
| AEON BankIslamic | |||
| Boost BankConventional | Ask the bankCheck support for your JomPAY biller in the bank app. Boost eWallet has separate bill-payment services.Official source | ||
| KAF Digital BankIslamic | |||
| Ryt BankConventional |
| Bank | Scheduled payments | Direct debit |
|---|---|---|
| GXBankConventional | Ask the bankConfirm that your biller can collect by direct debit; scheduled transfers are handled separately.Official source | |
| AEON BankIslamic | Check the serviceAutomatic Pot deposits are available. Ask about scheduling transfers to other bank accounts.Official source | |
| Boost BankConventional | Check the serviceRecurring Jar deposits are available. Ask about scheduling transfers to other bank accounts.Official source | Ask the bankThird-party biller collections by direct debit from the bank account were not established in the reviewed public terms. Auto Add Money is different: it pre-authorises transfers from your Digital Savings Account to your own matching-identity Boost eWallet when the wallet balance is insufficient; it does not establish that an ordinary biller can debit the bank account.Official source |
| KAF Digital BankIslamic | ||
| Ryt BankConventional |
Check separately for savings transfers, scheduled payments to other accounts and direct debits collected by billers. Confirm the service your existing bill uses.
| Bank | Payment limits | ATM / card limits | Physical cash deposits |
|---|---|---|---|
| GXBankConventional | DuitNow plus transfers to other GX accounts: RM5,000 daily default, adjustable to RM50,000 combined.Official source | NoNo physical cash deposits, including through ATMs. No cheque deposits or cheque facility.Official source | |
| AEON BankIslamic | DuitNow Transfer and QR: default RM5,000 per transaction / RM10,000 per day; adjustable to RM10,000 / RM50,000. A limit increase has a 12-hour wait. JomPAY: maximum RM50,000/day.Official source | Ask the bankActivation uses an own-account transfer. Ask the bank for a cash-deposit location if you need to pay in banknotes.Official source | |
| Boost BankConventional | After own-account verification: transfers/personal QR RM50,000 daily; merchant QR RM10,000 daily. Limit increases have a two-hour cooling-off period.Official source | Ask the bankFund by bank transfer. Ask the bank about available cash-deposit locations before relying on cash funding.Official source | |
| KAF Digital BankIslamic | ATM default RM3,000/day; maximum RM10,000 or remaining account-tier allowance, whichever is lower.Official source | Ask the bankAsk KAF to identify an available cash-deposit provider and location. Its general terms mention authorised providers without naming a service.Official source | |
| Ryt BankConventional | Daily defaults RM5,000. Maximum: transfers/QR transfers RM50,000; merchant QR RM10,000; bills RM50,000.Official source | ATM: RM3,000 daily default, RM10,000 maximum. Card purchases: RM3,000 default, RM20,000 maximum.Official source | Ask the bankATM/branch activation transfers existing account funds using IBG. Ask Ryt separately about depositing physical cash.Official source |
If you regularly receive cash, keep a bank with a verified cash-in service until you have confirmed a suitable replacement. You can then transfer from that account, subject to its terms. Ryt’s ATM/branch activation transfers money already held in another bank account using Interbank GIRO (IBG), a scheduled bank transfer rather than an instant DuitNow transfer.
Check the limit set in your app before a large payment. KAF’s account-tier allowance is shared across payment types.
May fit: Worth comparing if separate savings goals would help you organise money and you want a phone support route at any hour.
Consider the limitation: Less useful as your only account if you regularly deposit cash or cheques. Check JomPAY and direct-debit support before moving recurring bills.
Help outside the app: Hotline and in-app chat: 24/7. Email is available for written follow-up. +603 7498 3188.
All official contact optionsMay fit: A candidate if you want Islamic savings and goal-based pots. Compare the effective profit rate, minimum balance and card costs before choosing.
Consider the limitation: Check cash and card costs if you withdraw often. Confirm the card-ordering fees and the rate after the Pot promotion ends.
Help outside the app: Customer Support hotline: 24/7. Email and web enquiry form also available. +603 4816 8888.
All official contact optionsMay fit: Worth comparing if you already use Boost and would benefit from keeping savings goals separate from spending.
Consider the limitation: Less compelling if linking another app adds complexity without helping your saving or spending. Card ownership has an annual cost after the first-year waiver, and Special Jar headlines do not describe the ordinary account.
Help outside the app: General hotline and email: 9am–9pm daily. +603 8658 3000.
All official contact optionsMay fit: A candidate for Islamic everyday banking if its account tier covers your usual payments and you are comfortable with discretionary returns.
Consider the limitation: Not a match for someone who needs a promised savings yield. If your outgoing payments often approach the Basic Plus limit, confirm your account tier and remaining payment allowance before relying on it for large payments around payday. Local ATM pricing needs confirmation.
Help outside the app: Wira KAF advertises 24/7 support. Hotline and official WhatsApp work outside the banking app. +603 8744 3331.
All official contact optionsMay fit: Worth comparing if your normal card purchases or eligible bill payments can meet the bonus conditions without extra spending.
Consider the limitation: The bonus is less useful if you must invent purchases to qualify. Activation requires another Malaysian account in your own name. You can use its ATM or branch for the initial transfer if you do not have internet banking.
Help outside the app: Phone: 8am–8pm daily. In-app chat: 24/7. Email and the help-site ticket form are outside-app options. +603 5115 5115.
All official contact optionsIf your existing account already handles salary, cash deposits and bills reliably, you do not need to replace it to try a savings feature. Test an extra account with a modest amount first. The ordinary cost and usefulness after a promotion ends matter as much as the joining reward.
For Islamic savings, AEON uses Murabahah (a disclosed-cost sale) within a Tawarruq sequence of commodity sales. KAF instead uses Qard: you lend the deposit to the bank, which must return the principal, while any hibah is a gift the bank may choose to give rather than a promised rate. These contract structures do not replace checking the actual return and access rules. Eligible deposits are subject to PIDM limits and categories; separate Pots do not create separate protection limits.
Use the practical changeover checklist