Goal Interest Earned
The goal interest is calculated daily based on dayend balance in the goal as follows:
Goal Interest = Dayend Balance in Goal x [Overnight Policy Rate (OPR) – 0.50% p.a.] x (1 / 365* days) 
* 366 days for leap year
Example 1:
Customer achieved the goal on Goal Maturity Date and OPR remains unchanged throughout the Goal Tenure.
Goal Creation Date  1 August 2021 
Goal Maturity Date  10 August 2021 
Goal Tenure  10 days 
Goal Amount  RM1,000 
Current OPR  1.75% p.a. 
Goal Interest Rate  1.25% p.a. (1.75% p.a. – 0.50% p.a.) 
Day  Savings Amount (RM)  Dayend Balance in Goal (RM)  Interest Rate (% p.a.)  Calculation  Interest Earned (RM) 

1  10.00  10.00  1.25  RM10 x 1.25% p.a. x 1/365  0.00 
2  150.00  160.00  1.25  RM160 x 1.25% p.a. x 1/365  0.01 
3  30.00  190.00  1.25  RM190 x 1.25% p.a. x 1/365  0.01 
4  200.00  390.00  1.25  RM390 x 1.25% p.a. x 1/365  0.01 
5  50.00  440.00  1.25  RM440 x 1.25% p.a. x 1/365  0.02 
6  100.00  540.00  1.25  RM540 x 1.25% p.a. x 1/365  0.02 
7  60.00  600.00  1.25  RM600 x 1.25% p.a. x 1/365  0.02 
8  100.00  700.00  1.25  RM700 x 1.25% p.a. x 1/365  0.02 
9  100.00  800.00  1.25  RM800 x 1.25% p.a. x 1/365  0.03 
10  200.00  1,000.00  1.25  RM1,000 x 1.25% p.a. x 1/365  0.03 
Total Goal Interest Earned  0.17 
Example 2:
Customer achieved the goal on Goal Maturity Date and OPR increased on day 4 onwards.
Goal Creation Date  1 August 2021 
Goal Maturity Date  15 August 2021 
Goal Tenure  15 days 
Goal Amount  RM1,000 
Current OPR  Day 1 to 3 = 1.75% p.a. 
Day 4 to 15 = 2.00% p.a.  
Goal Interest Rate  Day 1 to 3 = 1.25% p.a. (1.75% p.a. – 0.50% p.a.) 
Day 4 to 15 = 1.50% p.a. (2.00% p.a. – 0.50% p.a.) 
Day  Savings Amount (RM)  Dayend Balance in Goal (RM)  Interest Rate (% p.a.)  Calculation  Interest Earned (RM) 

1  10.00  10.00  1.25  RM10 x 1.25% p.a. x 1/365  0.00 
2  50.00  60.00  1.25  RM60 x 1.25% p.a. x 1/365  0.00 
3  150.00  210.00  1.25  RM210 x 1.25% p.a. x 1/365  0.01 
4  50.00  260.00  1.50  RM260 x 1.50% p.a. x 1/365  0.01 
5  50.00  310.00  1.50  RM310 x 1.50% p.a. x 1/365  0.01 
6  100.00  410.00  1.50  RM410 x 1.50% p.a. x 1/365  0.02 
7  80.00  490.00  1.50  RM490 x 1.50% p.a. x 1/365  0.02 
8  20.00  510.00  1.50  RM510 x 1.50% p.a. x 1/365  0.02 
9  100.00  610.00  1.50  RM610 x 1.50% p.a. x 1/365  0.03 
10  50.00  660.00  1.50  RM660 x 1.50% p.a. x 1/365  0.03 
11  50.00  710.00  1.50  RM710 x 1.50% p.a. x 1/365  0.03 
12  100.00  810.00  1.50  RM810 x 1.50% p.a. x 1/365  0.03 
13  30.00  840.00  1.50  RM840 x 1.50% p.a. x 1/365  0.03 
14  100.00  940.00  1.50  RM940 x 1.50% p.a. x 1/365  0.04 
15  60.00  1,000.00  1.50  RM1,000 x 1.50% p.a. x 1/365  0.04 
Total Goal Interest Earned  0.32 
50 PLUS Savings Account
50 PLUS SA Interest Rate with effect from 11 February 2021
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM10,000.00  0.00%  0.00% 
Next RM40,000.00  0.10%  0.10% 
Next RM50,000.00  0.30%  0.30% 
Thereafter  0.60%  0.60% 
^{#}The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM35,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM10,000  0.00%  First RM10,000 balance X 0.00% X 1/365*  0.00 
Next RM40,000  0.10%  Subsequent RM25,000 balance X 0.10% X 1/365*  0.07 
Next RM50,000  0.30%  Subsequent RM0 balance X 0.30% X 1/365*  0.00 
Thereafter  0.60%  Subsequent RM0 balance X 0.60% X 1/365*  0.00 
Total Interest Earned  0.07 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM200,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM10,000  0.00%  First RM10,000 balance X 0.00% X 30/365*  0.00 
Next RM40,000  0.10%  Subsequent RM40,000 balance X 0.10% X 30/365*  3.29 
Next RM50,000  0.30%  Subsequent RM50,000 balance X 0.30% X 30/365*  12.33 
Thereafter  0.60%  Subsequent RM100,000 balance X 0.60% X 30/365*  49.32 
Total Interest Earned  64.94 
*366 if it is a leap year
PB MySalary Savings Account
PB MySalary Savings Account Interest Rate Structure with effect from 18 May 2020
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM5,000.00  0.40%  0.40% 
Next RM25,000.00  0.60%  0.60% 
Next RM50,000.00  0.80%  0.80% 
Next RM100,000.00  1.00%  1.00% 
Next RM200,000.00  1.30%  1.31% 
Thereafter  1.50%  1.51% 
#The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM500,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.40%  First RM5,000 balance X 0.40% X 1/365*  0.05 
Next RM25,000  0.60%  Subsequent RM25,000 balance X 0.60% X 1/365*  0.41 
Next RM50,000  0.80%  Subsequent RM50,000 balance X 0.80% X 1/365*  1.10 
Next RM100,000  1.00%  Subsequent RM100,000 balance X 1.00% X 1/365*  2.74 
Next RM200,000  1.30%  Subsequent RM200,000 balance X 1.30% X 1/365*  7.12 
Thereafter  1.50%  Subsequent RM120,000 balance X 1.50% X 1/365*  4.93 
Total Interest Earned  16.35 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM500,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.40%  First RM5,000 balance X 0.40% X 30/365*  1.64 
Next RM25,000  0.60%  Subsequent RM25,000 balance X 0.60% X 30/365*  12.33 
Next RM50,000  0.80%  Subsequent RM50,000 balance X 0.80% X 30/365*  32.88 
Next RM100,000  1.00%  Subsequent RM100,000 balance X 1.00% X 30/365*  82.19 
Next RM200,000  1.30%  Subsequent RM200,000 balance X 1.30% X 30/365*  213.70 
Thereafter  1.50%  Subsequent RM120,000 balance X 1.50% X 30/365*  147.95 
Total Interest Earned  490.69 
*366 if it is a leap year
Calculation of Bonus Interest:
The Bonus Interest is calculated based on Monthly Average Account Balance (MAAB) at a maximum MAAB of RM50,000 as follows:
MAAB  =  Sum of day end balance for the calendar month / number of days* 
Bonus Interest  =  MAAB x prevailing bonus interest rate p.a. x (number of days* / number of days in a year) 
* Number of days is calculated as follows:
 New account opened 
From the day the PB MySalary Savings Account is opened to the last day of the calendar month. For subsequent months, the number of days will be the total number of days in the respective calendar month.  Existing account 
The number of days will be the total number of days in the respective calendar month.
Example 1:
For Bonus Interest at 1% p.a. and MAAB below RM50,000:
Customer A has a total of RM40,000 in his PB MySalary Savings Account as at 1 April 2018.
5 April 2018  Customer A pays 2 bills totaling RM1,500 via Bill Payment function in PBe or PB Engage.  MAAB for April 2018
Bonus Interest for April 2018


10 April 2018  Customer A pays another bill of RM1,000 via Bill Payment function in PBe or PB Engage.  
25 April 2018  Customer A receives salary of RM8,000 through PB Electronic Credit Payment (ECP) Service. 
*366 if it is a leap year
Example 2:
For Bonus Interest at 1% p.a. and MAAB above RM50,000:
Customer B has a total of RM100,000 in his PB MySalary Savings Account as at 1 May 2018.
2 May 2018  Customer B pays 3 bills totaling RM5,000 via Bill Payment function in PBe or PB Engage  MAAB for May 2018
Bonus Interest** for May 2018


10 May 2018  Customer B transfers RM2,000 to his son by using PBe or PB Engage  
28 May 2018  Customer B receives salary of RM18,000 through PB ECP Service. 
*366 if it is a leap year
**The Bonus Interest is calculated based on MAAB at a maximum MAAB of RM50,000.
Premier ACE Account
Premier ACE Account Interest Rate Structure with effect from 18 May 2020
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM5,000.00  0.00%  0.00% 
Next RM45,000.00  0.05%  0.05% 
Next RM50,000.00  0.20%  0.20% 
Next RM400,000.00  0.40%  0.40% 
Next RM500,000.00  0.60%  0.60% 
Next RM500,000.00  0.80%  0.80% 
Next RM500,000.00  1.00%  1.00% 
Next RM1,000,000.00  1.20%  1.21% 
Thereafter  1.50%  1.51% 
#The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM1.0 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.00%  First RM5,000 balance X 0.00% X 1/365*  0.00 
Next RM45,000  0.05%  Subsequent RM45,000 balance X 0.05% X 1/365*  0.06 
Next RM50,000  0.20%  Subsequent RM50,000 balance X 0.20% X 1/365*  0.27 
Next RM400,000  0.40%  Subsequent RM400,000 balance X 0.40% X 1/365*  4.38 
Next RM500,000  0.60%  Subsequent RM500,000 balance X 0.60% X 1/365*  8.22 
Next RM500,000  0.80%  Subsequent RM0 balance X 0.80% X 1/365*  0.00 
Next RM500,000  1.00%  Subsequent RM0 balance X 1.00% X 1/365*  0.00 
Next RM1,000,000  1.20%  Subsequent RM0 balance X 1.20% X 1/365*  0.00 
Thereafter  1.50%  Subsequent RM0 balance X 1.50% X 1/365*  0.00 
Total Interest Earned  12.93 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM3.2 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.00%  First RM5,000 balance X 0.00% X 30/365*  0.00 
Next RM45,000  0.05%  Subsequent RM45,000 balance X 0.05% X 30/365*  1.85 
Next RM50,000  0.20%  Subsequent RM50,000 balance X 0.20% X 30/365*  8.22 
Next RM400,000  0.40%  Subsequent RM400,000 balance X 0.40% X 30/365*  131.51 
Next RM500,000  0.60%  Subsequent RM500,000 balance X 0.60% X 30/365*  246.58 
Next RM500,000  0.80%  Subsequent RM500,000 balance X 0.80% X 30/365*  328.77 
Next RM500,000  1.00%  Subsequent RM500,000 balance X 1.00% X 30/365*  410.96 
Next RM1,000,000  1.20%  Subsequent RM1,000,000 balance X 1.20% X 30/365*  986.30 
Thereafter  1.50%  Subsequent RM200,000 balance X 1.50% X 30/365*  246.58 
Total Interest Earned 
2,360.77

*366 if it is a leap year
ACE Account
ACE Account Interest Rate Structure with effect from 11 February 2021
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM5,000.00  0.00%  0.00% 
Next RM45,000.00  0.05%  0.05% 
Next RM50,000.00  0.10%  0.10% 
Next RM400,000.00  0.20%  0.20% 
Next RM500,000.00  0.30%  0.30% 
Next RM500,000.00  0.40%  0.40% 
Next RM500,000.00  0.60%  0.60% 
Thereafter  0.80%  0.80% 
^{#}The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM1.0 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.00%  First RM5,000 balance X 0.00% X 1/365*  0.00 
Next RM45,000  0.05%  Subsequent RM45,000 balance X 0.05% X 1/365*  0.06 
Next RM50,000  0.10%  Subsequent RM50,000 balance X 0.10% X 1/365*  0.14 
Next RM400,000  0.20%  Subsequent RM400,000 balance X 0.20% X 1/365*  2.19 
Next RM500,000  0.30%  Subsequent RM500,000 balance X 0.30% X 1/365*  4.11 
Next RM500,000  0.40%  Subsequent RM0 balance X 0.40% X 1/365*  0.00 
Next RM500,000  0.60%  Subsequent RM0 balance X 0.60% X 1/365*  0.00 
Thereafter  0.80%  Subsequent RM0 balance X 0.80% X 1/365*  0.00 
Total Interest Earned  6.50 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM3.2 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM5,000  0.00%  First RM5,000 balance X 0.00% X 30/365*  0.00 
Next RM45,000  0.05%  Subsequent RM45,000 balance X 0.05% X 30/365*  1.85 
Next RM50,000  0.10%  Subsequent RM50,000 balance X 0.10% X 30/365*  4.11 
Next RM400,000  0.20%  Subsequent RM400,000 balance X 0.20% X 30/365*  65.75 
Next RM500,000  0.30%  Subsequent RM500,000 balance X 0.30% X 30/365*  123.29 
Next RM500,000  0.40%  Subsequent RM500,000 balance X 0.40% X 30/365*  164.38 
Next RM500,000  0.60%  Subsequent RM500,000 balance X 0.60% X 30/365*  246.58 
Thereafter  0.80%  Subsequent RM1,200,000 balance X 0.80% X 30/365*  789.04 
Total Interest Earned  1,395.00 
*366 if it is a leap year
ACE Enterprise Account
ACE Enterprise Account Interest Rate Structure with effect from 11 February 2021
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM50,000.00  0.00%  0.00% 
Next RM250,000.00  0.15%  0.15% 
Next RM300,000.00  0.30%  0.30% 
Next RM500,000.00  0.50%  0.50% 
Next RM1,000,000.00  0.80%  0.80% 
Next RM2,000,000.00  1.00%  1.00% 
Thereafter  1.10%  1.11% 
^{#}The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM1.1 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM50,000  0.00%  First RM50,000 balance x 0.00% x 1/365*  0.00 
Next RM250,000  0.15%  Subsequent RM250,000 balance x 0.15% x 1/365*  1.03 
Next RM300,000  0.30%  Subsequent RM300,000 balance x 0.30% x 1/365*  2.47 
Next RM500,000  0.50%  Subsequent RM500,000 balance x 0.50% x 1/365*  6.85 
Next RM1,000,000  0.80%  Subsequent RM0 balance x 0.80% x 1/365*  0.00 
Next RM2,000,000  1.00%  Subsequent RM0 balance x 1.00% x 1/365*  0.00 
Thereafter  1.10%  Subsequent RM0 balance x 1.10% x 1/365*  0.00 
Total Interest Earned  10.35 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM4.2 Mil is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM50,000  0.00%  First RM50,000 balance x 0.00% x 30/365*  0.00 
Next RM250,000  0.15%  Subsequent RM250,000 balance x 0.15% x 30/365*  30.82 
Next RM300,000  0.30%  Subsequent RM300,000 balance x 0.30% x 30/365*  73.97 
Next RM500,000  0.50%  Subsequent RM500,000 balance x 0.50% x 30/365*  205.48 
Next RM1,000,000  0.80%  Subsequent RM1,000,000 balance x 0.80% x 30/365*  657.53 
Next RM2,000,000  1.00%  Subsequent RM2,000,000 balance x 1.00% x 30/365*  1,643.84 
Thereafter  1.10%  Subsequent RM100,000 balance x 1.10% x 30/365*  90.41 
Total Interest Earned  2,702.05 
*366 if it is a leap year
PLUS Savings Account
PLUS SA Interest Rate with effect from 11 February 2021
Range  Nominal Interest Rate (p.a.)  Effective Interest Rate (p.a.)# 

First RM10,000.00  0.00%  0.00% 
Next RM40,000.00  0.05%  0.05% 
Next RM100,000.00  0.10%  0.10% 
Next RM200,000.00  0.15%  0.15% 
Next RM300,000.00  0.20%  0.20% 
Thereafter  0.25%  0.25% 
^{#}The effective interest rates shown above are applicable for the deposit amount within the range of the said interest rate tier.
Example 1:
1 day interest earned for an account with outstanding balance of RM550,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM10,000  0.00%  First RM10,000 balance X 0.00% X 1/365*  0.00 
Next RM40,000  0.05%  Subsequent RM40,000 balance X 0.05% X 1/365*  0.05 
Next RM100,000  0.10%  Subsequent RM100,000 balance X 0.10% X 1/365*  0.27 
Next RM200,000  0.15%  Subsequent RM200,000 balance X 0.15% X 1/365*  0.82 
Next RM300,000  0.20%  Subsequent RM200,000 balance X 0.20% X 1/365*  1.10 
Thereafter  0.25%  Subsequent RM0 balance X 0.25% X 1/365*  0.00 
Total Interest Earned  2.24 
*366 if it is a leap year
Example 2:
180 days interest earned for an account with outstanding balance of RM2,000,000 is as follows:
Range  Interest Rate (p.a.)  Calculation  Interest Earned (RM) 

First RM10,000  0.00%  First RM10,000 balance X 0.00% X 180/365*  0.00 
Next RM40,000  0.05%  Subsequent RM40,000 balance X 0.05% X 180/365*  9.86 
Next RM100,000  0.10%  Subsequent RM100,000 balance X 0.10% X 180/365*  49.32 
Next RM200,000  0.15%  Subsequent RM200,000 balance X 0.15% X 180/365*  147.95 
Next RM300,000  0.20%  Subsequent RM300,000 balance X 0.20% X 180/365*  295.89 
Thereafter  0.25%  Subsequent RM1,350,000 balance X 0.25% X 180/365*  1,664.38 
Total Interest Earned  2,167.40 
*366 if it is a leap year
PB UnionPay Savings Account
PB UnionPay Savings Account Interest Rates with effect from 18 May 2020
Range  Interest Rates (%p.a.)  Effective Rates (%p.a.) 

First RM3,000.00  0.00%  0.00% 
Thereafter  0.30%  0.30% 
Example 1:
1 day interest earned for an account with outstanding balance of RM50,000 is as follows:
Range  Interest Rate (%p.a.)  Calculation  Interest Earned (RM) 

First RM3,000  0.00  First RM3,000 balance X 0.00% X 1/365*  0.00 
Thereafter  0.30  Subsequent RM47,000 balance X 0.30% X 1/365*  0.39 
Total Interest Earned  0.39 
*366 if it is a leap year
Example 2:
30 days interest earned for an account with outstanding balance of RM50,000 is as follows:
Range  Interest Rate (%p.a.)  Calculation  Interest Earned (RM) 

First RM3,000  0.00  First RM3,000 balance X 0.00% X 30/365*  0.00 
Thereafter  0.30  Subsequent RM47,000 balance X 0.30% X 30/365*  11.59 
Total Interest Earned  11.59 
*366 if it is a leap year