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SAVINGSACCOUNTS

I.

Maybank2uSavers
An online savings account that provides the convenience of opening,
accessingandclosingtheaccountwithoutvisitingabranch.
o MinimumInitialDeposit
:RM250
o Minumumbalancetoenjoyinterest :RM2,000
o Minumumbalancetomaintain
:RM250
ToapplyforMaybank2uSavers,customersneedtofollowthesefewsimplesteps:
LogintoMaybank2u.com
ClickApplyOnlineatMaybank2u.com,securedsitehomepage
Select Account Type (Personal Savings Account), Product Type (m2u
Savers)andclickContinue
Thecustomersthatapplythissavingsaccountcanenjoythesebenefits:
Convenienceofopeningandclosingtheaccountfromanywhereintheworld
viaMaybank2u.com
EnjoyHighMultitieredInterestRateswithaminimumbalanceofRM2,000
SavingsBand
NominalRates(%p.a)
EffectiveRates(%p.a)

BelowRM2,000
RM2,000toRM50,000

2.00

2.02

AboveRM50,000

2.20

2.22

(refertotheinterestratetable).Interestis calculatedonadailybasis and


creditedonamonthlybasis.
Passbookless:Checkandviewthemonthlyaccountstatement(for1year)via
Maybank2u.com
ATMaccess:Enjoyaccesstoover2800MaybankATMsnationwide,cross
banking ATMs under Maybank Group in Singapore, Brunei, Philippines,
Indonesia andMalaysia, as wellas worldwideATMs viathe PLUS ATM
network
CashlessshoppingviaMaybankardDebit
For Maybank customers with an existing ATM/Debit Card,Maybank2u
SaverswillbeautomaticallytiedtotheirATM/DebitCardwhichislinkedto
theMaybank2u.comaccountwheretheyappliedtheaccountfrom.Existing
feeoptionshallapply.
For new customers with no ATM/Debit Card, customers are to apply
fornewcardatabranchandwillbechargedanannualfeeofRM8.00per
ATMCardtoenjoyunlimitedwithdrawalsperyear

Whocanapply:

InterestRates

Maybank2u.comusersaged18yearsoldandabovewithuserID&password
accesstotheMaybank2u.comsecuredsite.

Witheffectfrom16August2016

FeesandCharges
A fee of RM 5.00 per transaction will be charge if Customers perform
transactions over the counter (i.e. at any of the Banks branches) for
transactionsthatcanbefulfilled/doneviaMaybank2u.comorattheBanks
kiosks(ATM,CashDepositMachine,ChequeDepositMachine).Exampleof
transactionswhichcanbefulfilledatMaybank2u.com/BanksKiosksare:
o WithdrawalslessthanRM5,000.00
o PerformInterbankGIROtransactionlessthanRM5,000.00
o TransfermoneylessthanRM5,000.00
A service charge of RM 20.00 will be imposed if the Maybank2u Savers
accountisclosedwithinthree(3)monthsfromtheaccountactivationdate
*TheMalaysianGoods&ServicesTax(GST)willbeimposedonallfees/charges
chargedbytheBankwhereapplicableeffective1April2015atthecurrentprevailing
rate.
Transactions
Transactionscanbeperformedvia:

II.

Maybank2u.com
M2UMobile
ATMServices
KawankuPhoneBanking

GoldenSaversSavingsAccount
Thisisspeciallytailoredforseniorcitizens,retireesandthoseplanningfor
earlyretirement.
o Minimuminitialdeposit
:RM1,000
o MinimumbalancetoenjoyGSSAinterestrates:RM1,000
Benefitsthatcanenjoybythecustomers:

TheGoldenSaversSavingsAccountholderscanenjoyMultitieredinterest
ratewhilethetheymaintainaminimumbalanceofRM1,000.
Theinterestiscalculatedonadailybasisandcreditedonamonthlybasis.
Thehighertheaccountbalance,thehighertheinterestrate.
Maybank2u.comaccesswhichisconvenientonlineaccesstotheaccountfor
checkingaccountbalances,transfersandotherfeatures.
ATMaccesswhichisconvenientatallMEPSATMsnationwideandCIRRUS
networksworldwide.

SavingsBand
LessthanRM1,000

NominalRates(%p.a)

Effectiverate(%p.a)

UptoRM10,000

0.90

0.90

UptoRM25,000

1.00

1.00

UptoRM50,000

1.10

1.11

UptoRM100,000

1.25

1.26

UptoRM250,000

1.55

1.56

AboveRM250,000

1.75

1.76

*Witheffectfrom16August2016
Whocanapply:

Individuals50yearsoldandabove
Jointaccountmaximumof4persons

RequiredDocuments
ForPersonal/Jointaccounts

OriginalIdentityCard(IC)forMalaysiansandPassportsforforeigners.For
passport, other supporting documents that may be required are valid
working/student permit, valid visa, letter of confirmation from
Employer/EducationInstitutions(whicheverisrelevant)

FeesandChargers

ReplacementofATM/bankcard:RM12
Replacementoflostsavingspassbook:RM15(inclusiveofstampduty)
Replacementofsavingspassbookduetopoorhandling:RM10
Earlyclosureofaccountwithin3monthsofaccountopening:RM20
CashwithdrawalsatATMfacilitiesownedbyotherbanks(MEPScharges):
RM1

Records

Statement(quarterly)/Passbook

Transactions
Transactionscanbeperformedvia:

III.

ATMServices
InternetBanking
MobileBanking
KawankuSavingsAccount
AninterestbearingaccountwiththeoptionofasavingspassbookoranATM
card
o Minimumdeposit:RM50(withletterofemployment)andRM250
(individual,joint&minoraccounts)
o EligibleforprotectionbyPIDM
Customerscanenjoythesebenefits:

SplittierinterestratesthatarecalculateddailyandcreditedhalfyearlyinJune
andDecember
OfferstheconvenienceofanATMcardorDebitCardinsteadofapassbook
andonlinebankingviaMaybank2u
OverthecounterserviceatanyMaybankbranch

ATMaccessandcashlessshopping
Autodebitservices

Whocanapply:

Individuals,clubs/societiesandassociations
Jointaccountmaximumof4persons

InterestRates
SavingsBand
FirstRM1,000

Nominal rates Effective rates


(%p.a)
(%p.a)
0.30
0.30

AboveRM1,000toRM10,000

0.30

0.30

AboveRM10,000toRM25,000

0.35

0.35

AboveRM25,000toRM50,000

0.40

0.40

AboveRM50,000toRM100,000

0.65

0.65

AboveRM100,000toRM200,000

1.10

1.10

AboveRM200,000toRM500,000

1.15

1.15

Subsequent balances above RM 1.20


500,000

1.20

*Witheffectfrom16August2016
Requireddocuments
ForPersonal/Jointaccounts
OriginalIdentityCard(IC)forMalaysiansandPassportsforforeigners. For
passport, other supporting documents that may be required are valid
working/student permit, valid visa, letter of confirmation from
Employer/EducationInstitutions(whicheverisrelevant)
FeesandCharges
ReplacementofATM/bankcard:RM12

IV.

Replacementoflostsavingspassbook:RM15(inclusiveofstampduty)

Replacementofsavingspassbookduetopoorhandling:RM10

Earlyclosureofaccountwithin3monthsofaccountopening:RM20

CashwithdrawalsatATMfacilitiesownedbyotherbanks(MEPScharges):
RM1

BasicSavingsAccount
Anofrillssavingsaccountwithnoserviceormaintenancecharge
o Minimumdeposit:RM20
BasicSavingsAccountcanenjoythebenefits:

Earninterestirrespectiveofaccountbalance

NoserviceormaintenancechargeaslongasaminimumbalanceofRM20
ismaintained
Freeministatement
ViewstatementonlineviaMaybank2u.com
Option

1
*"Payasyouuse"(noannualfee):
o 6overthecounter(OTC)visits
o 8 free ATM cash withdrawals (on the 9th withdrawal onwards,
RM0.50+GSTwillbecharged)
o No fee shall be imposed for noncash withdrawal transactions (e.g
balanceinquiryorfundtransferwithinMaybank)
o First2GIROtransactionsviaoverthecounterinamonthatafeeof
RM0.50+GSTpertransactionandRM2.00fromthe3rdtransaction
onwards.
o GIROtransactionsviaM2U,M2UMobileandMyMobile,thecharges
imposedisRM0.10+GSTpertransaction

Option

*PaymentofRM8.00+GSTannualfee:

o UnlimitedOTCtransactionsandATMcashwithdrawals
o First2GIROtransactionsviaoverthecounterinamonthatafeeof
RM0.50 + GST per transaction and RM2.00 + GST from the 3rd
transactiononwards.
o GIROtransactionsviaM2U,M2UMobileandMyMobile,thecharges
imposedisRM0.10+GSTpertransaction
Whocanapply:
Malaysiansandpermanentresidents
Interestrates
SavingsBand
Nominalrates(%p.a)
0.30
UptoRM1,000
0.30
UptoRM10,000
0.30
UptoRM25,000
0.40
UptoRM50,000
0.65
UptoRM100,000
1.10
UptoRM200,000
1.25
UptoRM500,000
1.30
AboveRM500,000
*Witheffectfrom16August2016
Required documents

Effectiverates(%p.a)
0.30
0.30
0.30
0.40
0.65
1.10
1.25
1.30

ForPersonal/Jointaccounts

BasicSavingsAccount(BSA)adultabove18yearsold

BasicSavingsAccountTrust(BSATrust)childrenbelow18yearsoldwith
parentsorlegalguardiansbelow60yearsofage

BasicSavingsAccountMinor(BSAMinor)teenageraged12tobelow18
yearsold

RequiredPrimaryDocuments:

OriginalIdentityCard(IC)/PoliceorArmedForcesIDCard

BirthCertificateandMyKid(i.eforintrustandminoraccounts)

Pleasechooseabranchlocatednearyourhomeorplaceofwork.

Fees&charges
ReplacementofATM/bankcard:RM12

V.

Earlyclosureofaccountwithin3monthsofaccountopening:RM20

CashwithdrawalsatATMfacilitiesownedbyotherbanks(MEPScharges):
RM1

imteenAccount
Anonlinesavingsaccountforteensaged12tobelow18years,offeringhigh
ratestodevelopsavingshabit
o Minimumdeposit:RM50
Theholdercanenjoythebenefits:

EarnaonemonthFixedDeposit(FD)ratefromyoursavingsaccount,subject
toONEwithdrawalpermonthforsixconsecutivemonthsi.e.from1January
to30Juneandfrom1Julyto31December
CheckandmaintainyouraccountviaMaybank2u.comoranyMaybankATM
(Passbookless)
Convenient ATM access at all MEPS ATMs nationwide and CIRRUS
networksworldwide
FreePersonalAccident(PA)coverageofuptoRM30,000whenyoumaintain
aminimumaccountbalanceofRM1,000forteenageraged12tobelow18
yearsold.Terms&Conditionapplies.
Cash rewards when you excel in your PT3, SPM, STPM / ALevels and
Tertiary Level exams (Degree Level Exams) with a minimum maintained
accountbalanceofRM1,000.
Spending limit of RM500 per day on selected withdrawals via overthe
counter,Maybank2u.com,ATM,EFTPOS,MEPSandRegionalSwitch

Whocanapply:

Teens aged 12 to below 18 years old


*Once attained the age of 18 and above, lower interest rate (Kawanku
Savingsinterestrate)willapply
Interestrates
SavingsBand
UptoRM50,000

Nominalrates(%p.a)
2.95

Effectiverates(%p.a)
2.97

AboveRM50,000

1.30

1.30

*Witheffectfrom16August2016
Note:

Interest is credited twice (2) a year on 30th June and 31st December
respectively.

Iftheaccountisnotmaintainedforthe6monthdurationasmentioned,the
normalKawankuSavingsinterestwillapply.

*AnIndemnityLetterisacompulsorydocumenttobesignedbytheparents
orguardianasaconditiontoopenanewimteenaccountaswellastoaccess
Internet banking facilities via Maybank2u.com and Maybankard Bankcard
(ATMcard).JustvisityournearestMaybankbranchandbringalongyour
originaldocumentsandparentsorguardianforverificationpurposes.

Requireddocuments

OriginalIdentityCard(IC)andbirthcertificateofteenageapplicant

Parents'/Guardian'sICandothersupportingdocumentstoverifyparentageor
guardianship

Feesandcharges

StampingfeesforIndemnityLetter:RM10

ReplacementofATM/bankcard:RM12

Earlyclosureofaccountwithin3monthsofaccountopening:RM20

CashwithdrawalsatATMfacilitiesownedbyotherbanks(MEPScharges):
RM1

AcademicCashAward
TheCashAwardforAcademicExcellenceisgivenforexcellentgradesinPT3,SPM,
STPM/ALevelsandDegreeLevelasfollows:
Examination
PT3
SPM
STPM/ALevels
UniversityDegree
*ForSPM,Aisnotentitled.
Howtoqualify

ExcellentGrades
7As
*8As/A+
5As/4AsandMUETGrade6
1stClassHonours

Cashaward
RM100peraccountholder
RM200peraccountholder
RM300peraccountholder
RM500peraccountholder

Toqualify,youneedtomeetthefollowingcriteria:

Existingaccountholders

MaintainRM1,000intheaccountduringtheexaminationyearforPT3,SPM,
STPM/ALevelsuntilthedateofsubmissionforCashAward

Newaccountholders

OpenandmaintainRM1,000intheaccountbeforetheexaminationforPT3,
SPM, STPM/ALevelsuntilthedateofsubmissionforCashAward

1stClassHonoursDegree

Attheageof18,theaccountholdermustmaintainRM1,000intheaccount

Accountmustbeopenedbeforereachingage18

AccountmustbemaintaineduntilthedateofsubmissionofCashAward

Claims

VI.

ThesubmissionforCashAwardclaimsistobedoneattheaccountholder's
homebranchwithinone(1)monthfromtheofficialresultsannouncement.
The Cash Award can only be claimed once irrespective of the number of
savingsaccountsheldbytheimteenaccountholder.

YippieSavingsAccount
Asavingsaccountforchildrenagedbelow18years,offeringhighinterest
ratestoinculcatesavingshabit
o Minimumdeposit:RM1
Theaccountholderscangetthebenefits:

EarnaonemonthFixedDeposit(FD)ratefromyoursavingsaccount,subject
toONEwithdrawalpermonthforsixconsecutivemonthsi.efrom1January
to30Juneandfrom1Julyto31December.

CashrewardsforYippieClubmemberswhoexcelintheirPT3,SPM,STPM
andTertiarylevelexams(DegreeLevelExams).
FreePersonalAccidentInsurancecoverageofuptoRM70,000foryouand
yourchild
Whocanapply

Childrenbelow18yearsold,parentsandguardianswhoarebelow60yearsof
age

*Once attained the age of 18 and above, lower interest rate (Kawanku
Savingsinterestrate)willapply.
MultitieredInterestRates
SavingsBand
UptoRM50,000

NominalRates(%p.a)
2.95

Effectiverates(%p.a)
2.97

AboveRM50,000

1.30

1.30

*Witheffectfrom16August2016
Note:

Interest is credited twice (2) a year on 30th June and 31st December
respectively.

Iftheaccountisnotmaintainedforthe6monthdurationasmentioned,the
normalKawankuSavingsinterestwillapply.

Required documents
ForPersonal/Jointaccounts

Child:OriginalbirthcertificateandMyKid

Parents/Guardian:OriginalIdentityCard(IC)forMalaysiansand

Passportsforforeigners.Forpassport,othersupportingdocumentsthatmaybe
requiredarevalidworking/studentpermit,validvisa,letterofconfirmation
fromEmployer/EducationInstitutions(whicheverisrelevant)

Pleasechooseabranchlocatednearyourhomeorplaceofwork.

Fees & charges

Replacement of ATM/bankcard: RM12

Replacementoflostsavingspassbook:RM15incl.stampduty

Replacementofsavingspassbookduetopoorhandling:RM10

Earlyclosureofaccountwithin3monthsofaccountopening:RM20

CashwithdrawalsatATMfacilitiesownedbyotherbanks(MEPScharges):
RM1

AcademicCashAward
Examination
PT3
SPM
STPM/ALevels
UniversityDegree

ExcellentGrades
7As
*8As/A+
5As/4AsandMUETGrade6
1stClassHonours

Cashaward
RM100peraccountholder
RM200peraccountholder
RM300peraccountholder
RM500peraccountholder

Howtoqualify

Toqualify,youneedtomeetthefollowingcriteria:

Existingaccountholders

MaintainRM1,000intheaccountduringtheexaminationyearforPT3,SPM,
STPM/ALevelsuntilthedateofsubmissionforCashAward

Newaccountholders

Open and maintain RM1,000 in the account for the examination for PT3,
SPM,STPM/ALevelsuntilthedateofsubmissionforCashAward

1stClassHonoursDegree

Attheageof18,theaccountholdermustmaintainRM1,000intheaccount

Accountmustbeopenedbeforereachingage18

AccountmustbemaintaineduntilthedateofsubmissionofCashAward

Claims

ThesubmissionforCashAwardclaimsistobedoneattheaccountholder's
homebranchwithinone(1)monthfromtheofficialresultsannouncement.
The Cash Award can only be claimed once irrespective of the number of
savingsaccountsheldbytheYippieaccountholder.

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