This page is retained for checking past conditions and outstanding rewards. See current offers.
Withdraw early and the accrued bonus is forfeited.
Am I eligible, and what must I commit?
- Who qualifies
- GX Account customers who can open a Bonus Pocket. Check account eligibility with the bank.
- Deposit requirement
- RM500 minimum to earn bonus interest; RM12,500 maximum per pocket, up to four pockets.
- Spending requirement
- No spending requirement stated on the product page.
- Rates, caps & limits
- The rate includes the 2.00% p.a. base rate. The 3-month option is 3.18% p.a.
- Campaign period
- No closing date stated on the product page; rates may change.
- When you receive it
- Base interest is credited daily. Bonus is due at completion; the Help Centre allows up to two weeks in exceptional cases. Check Main Account history after maturity.
The current product page publishes both tenures. It states no closing date; that does not guarantee these rates remain available for future Pockets. Confirm the rate and end date when creating one.
What to do, and by when
- Keep near-term bills outside a Bonus Pocket. Choose three or six months to match when you will need the money.
- Check the selected rate, RM500 bonus minimum and RM12,500 per-Pocket cap. You can hold up to four Bonus Pockets.
- Save the creation confirmation and completion date. Let the tenure finish if you want the bonus.
What could this mean in ringgit?
Illustration: RM5,000 at 3.80% p.a. for approximately six months earns about RM95 total, including roughly RM50 base and RM45 bonus. Actual days, daily credits and rounding affect the final amount.
What could reduce or remove the benefit?
- The headline already includes the 2.00% base rate; do not add the base again.
- You cannot top up an existing Bonus Pocket. Use another Pocket within the four-Pocket limit if you want to set aside additional savings.
- Partial withdrawals are not allowed: accessing the money closes that Bonus Pocket and loses its accrued bonus.
If you withdraw, or the offer ends
Early withdrawal closes the whole Pocket, transfers the initial deposit and credited base interest to the Main Account, and forfeits accrued bonus. At maturity the Pocket closes and its total balance moves to the Main Account. There is no automatic rollover; a new Pocket uses the terms available when opened.
Who might find it worthwhile?
Useful for a specific goal that is at least three or six months away, without a spending requirement. An ordinary Savings Pocket may be simpler for money needed unpredictably.
When to skip it: Skip the bonus commitment for next month’s rent or money you expect to withdraw before completion. Keep an accessible buffer for near-term spending.
Keep evidence and get help
Keep the Pocket’s amount, agreed rate, start/end dates and completion or withdrawal record. Compare any missing bonus with the completion date, not the daily base-credit date.
Terms to check before joining
Check the agreed rate and maturity date when creating a Pocket. Bonus payment is normally due on completion; the payout FAQ allows an exceptional delay of up to two weeks.