Disclaimer

This link brings you to a 3rd Party Website, over which Standard Chartered Bank Malaysia Berhad has no control ("3rd Party Website"). Use of the 3rd Party Website will be entirely at your own risk, and subject to the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.

Standard Chartered Bank Malaysia Berhad makes no warranties, representations or undertakings about and does not endorse, recommend or approve the contents of the 3rd Party Website.

In addition to the terms stated in Standard Chartered Bank Malaysia Berhad's Important Legal Notices, Standard Chartered Bank Malaysia Berhad shall have no responsibility or liability in connection with the content of or the consequences of accessing the 3rd Party Website, including any virus arising from or system failure associated with the 3rd Party Website.

Proceed to third party website
Smart Business$aver
  1. Smart Business$aver

Grow your business with bigger opportunities

Work your business better with Smart Business$aver

  • Enjoy high returns up to
    2.88% p.a.

  • Control business finances with
    Straight2Bank

    Track your finances with tighter securities in one app

  • Get trusted advice from our
    Relationship Managers

    A team of experts to assist you with your banking needs

Smart Bussiness$aver Calculator

Earn higher return up to 2.88% p.a.

RM
Your estimated annual returns1
Please enter a minimum amount of RM2,000

RM @ % p.a.

Your estimated annual returns1

RM @ % p.a.

More information
  • Inward Credits

Eligible Accountholder must have incoming funds credited to the Eligible Account in cumulative amount of at least RM100,000 in a calendar month.

No Yes
Bonus Rate (p.a.)

0.50%

Bonus Crediting Month

At the end of subsequent month upon fulfilment of the categories during the calendar month capped at the first RM500,000. e.g. if criteria is met in January, the bonus rate will be credited in February based on February’s average daily balance.

Details

Incoming funds credited to the Eligible Account will still be eligible for calculation toward the Total Monthly Credits even if they are subsequently withdrawn from the Eligible Account, whether in full or in part; Total Monthly Credits may include incoming funds credited into Eligible Account arising from:
  • cash deposits (including over the counter and bulk deposits);
  • local funds transfers, local bank electronic transfers and telegraphic transfers (covering SWIFT and internal network transfers); and
  • local and foreign cheque deposits.
Total Monthly Credits shall exclude incoming funds credited, paid, transferred, initiated or disbursed by the Bank into your Eligible Account in the following scenarios:
  • crediting of funds from any time deposit account(s) linked to the Eligible Account;
  • crediting of funds from loan facilities disbursed by the Bank into the Eligible Account;
  • crediting of return, including prevailing and any bonus return, by the Bank into the Eligible Account;
  • crediting of funds originating from any of your other accounts with the Bank;
  • credits due to any returned transaction (including returned cheques, unsuccessful funds transfer, etc)
If you do not satisfy any of the Campaign requirements for any Bonus Categories in any calendar month, you will not receive the corresponding bonus return on the Monthly Average Balance in your Eligible Account for that calendar month. The Bank reserve the right to cancel or suspend payment of Bonus Rate and to claw back the amount of any Bonus Rate paid into the Eligible Account in the event that any of the foregoing conditions is not met at any time during the minimum qualifying periods specified above.
More information
  • Straight2Bank Fund Transfer

Eligible Accountholder must perform a minimum five (5) DuitNow transactions in a calendar month. No minimum amount required for each transaction.

No Yes
Bonus (p.a.)

0.50%

Bonus Crediting Month

At the end of subsequent month upon fulfilment of the categories during the calendar month capped at the first RM500,000. e.g. if criteria is met in January, the bonus rate will be credited in February based on February’s average daily balance.
More information
  • Lending/Financing Relationship

Eligible Accountholder must maintain a good lending/financing relationship with the Bank where the day past due (DPD) is less than 30 days.

No Yes
Bonus (p.a.)

0.50%

Bonus Crediting Month

At the end of subsequent month upon fulfilment of the categories during the calendar month capped at the first RM500,000. e.g. if criteria is met in January, the bonus rate will be credited in February based on February’s average daily balance.

Details

The eligible lending facility must have been approved and disbursed by the Bank. Your facility agreement with us must be active and is to be maintained in good standing and not in breach of its terms and conditions and always conducted in a proper and satisfactory manner (each as determined by the Bank in its discretion). The eligible lending/financing facilities are:
  • Business Instalment Loan
  • Commercial Mortgage
  • BizProperty Equity-i
  • BizFinancing-i
More information
  • Trade Facility

Eligible Accountholder must utilize at least 60% of the trade allotment per calendar month.

No Yes
Bonus (p.a.)

0.50%

For 3 Months

Bonus Crediting Month

At the end of subsequent month upon fulfilment of the categories during the calendar month capped at the first RM500,000. e.g. if criteria is met in January, the bonus rate will be credited in February based on February’s average daily balance.

Details

The trade products are, but not limited to;
  • Export letter of credit advice
  • Export financing
  • Export letter of credit
  • Letter of credit negotiation
  • Letter of credit confirmation
  • Import letter of credit issuance
  • Import financing
  • Import collection services
  • Shipping guarantee
  • Customs bonds and guarantees
More information
  • FX Conversion

Eligible Accountholder must complete one or more FX conversion transaction in cumulative amount of minimum RM50,000 and equivalent per month

No Yes
Bonus Rate (p.a.)

0.80%

Bonus Crediting Month

At the end of subsequent month upon fulfilment of the categories during the calendar month capped at the first RM500,000. e.g. if criteria is met in January, the bonus rate will be credited in February based on February’s average daily balance.

Details

The Bank reserves the right to determine the applicable calculation method(s) and make currency conversions in respect of completed FX Transactions into Malaysia Ringgit using our applicable prevailing currency exchange rate at the end of the preceding calendar month to determine if the FX Qualifying Amount has been met. FX Transactions in the required amount of RM100,000 and equivalent must be carried out via either the Bank’s Straight2Bank platform or the Bank’s treasury services.

Disclaimer

  1. Prevailing board rate of 0.08% p.a. has been included in the calculation.
  2. Bonus rate is capped for the first RM500,000 of monthly average balance in the account.
  3. This campaign is open to new to deposit clients and selected existing clients on invitation basis.
  4. Click here for full terms & conditions.
  5. Only deposits are protected by PIDM up to RM250,000 for each depositor.
  6. Click here for PIDM’s DIS Brochure

PIDM   Perbankan Islam