WISE Savings Account

WISE Savings Account

Saving is a good habit and WISE aims to instill in your child the Wisdom In Saving Early. It's open to all children below 18 years old. Not only is it easy to get started, a yearly Star Achiever Programme will be organised to nurture the habit to excel academically among school-going children.

Here's what WISE Savings Account offers you and your child:
  • Ease of opening an account for individuals (resident and non-resident) below the age of 18 years with as little as RM1.
  • Minimum balance to be maintained at any one time is only RM20.
  • Debit cards that will be issued to account holders 12 years old and above.
Make Your Money Grow
  • Enjoy attractive interest rate as high as 1 Month FD rate for your first RM50,000 in your account.
  • Let your money work for you where interest is compounded daily and credited monthly on the 15th of each month.
  • The more you save, the more you earn.
PB Journey Mobile Application
  • Specially designed to assist parents in educating their children about the value of money and ways to manage their pocket money in a fun way.
  • Inculcate savings habit and improve financial knowledge.
  • Earn goal interest at “Overnight Policy Rate minus 0.50% p.a.” when your children achieved their savings goal within the selected goal tenure. A maximum of five (5) goals can be maintained at any one time.
  • Flexible goal tenure from 10 days to 360 days.
  • Low minimum goal amount from RM100 and maximum up to RM5,000.
  • Reward your children with pocket money when they complete the task assigned. A maximum of ten (10) active tasks can be maintained at any one time.

PB Journey Mobile Application Terms and Conditions [Bahasa Malaysia] [English]

Illustration of Goal Interest Earned

Star Achiever Programme
  • Inculcate and nurture the habit of your children to excel academically.
  • Cash Awards for children who excel in their SPM examination.

Click here for Cash Award Recipients
SPM 2021

Star Achiever Programme
Terms and Conditions [Bahasa Malaysia] [English]
Star Achiever Programme Application Form 

Free Automatic Monthly Funds Transfer up to RM1,000 per Transfer


  • Make regular savings for your child hassle-free.
Debit Card
  • Debit cards that will be issued to account holders 12 years old and above.
  • Convenient monitoring of your child's spending.
  • Enjoy the convenience of ATM services at our wide network of branches.
Terms and conditions apply.

Protected by PIDM up to RM250,000 for each depositor.

Click for more information
Latest interest rates
Fees and Charges
Terms and Conditions [Bahasa Malaysia] [English] [中文]