Wednesday, 23 August 2017,   30 Zulkaedah 1438H

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BSN Smart Junior

Welcome to the world of fun and active Savings! As a member of BSN Smart Junior, you can watch your savings grow PLUS enjoy great discounts as well as exciting educational activities. You’ll also be eligible to enter the Skim Galakan Simpanan Pelajar (SGSP), a ‘savings competition’ that offers fantastic prizes to club members!

Features & Benefits

»  Membership Card: You will receive a BSN Smart Junior Membership Card for FREE. The Membership Card will be mailed to the given address in minimum period of ONE month and subject to the stock availability from the effective date of membership. This card entitles you for discounts at the BSN Smart Junior Strategic Business Partner (Subject to their Terms and Conditions)
»  Activities: Explore  the possibilities when you join our educational activities such as;  Seminars, Motivational Courses, Camping Activities, Sports Clinic,  Science Exploration and lots more!
»  Tutor Online: Subscribe to Tutor Online. Discounted price only for BSN Smart Junior members.
»  Personal Accident Takaful: 24-Hours coverage worldwide ONLY for BSN Smart Junior members with freezed minimum balance of RM150* in their account.


Description Personal Accident Takaful Coverage
Permanent disability and death caused by accident. Ten (10) times the amount of savings up to RM50,000
(minimum savings of RM150)
Funeral expenses RM3000


Attractive gifts will be offered to member based on earmarked saving tier:
» Tier 1: RM 150
» Tier 2: RM 300
» Tier 3: RM 500



»  For insurance / takaful claim purposes all original documents must be submitted within 60 days from the date of accident.
»  Takaful coverage is made effective upon the Bank's approval of becoming a BSN Smart Junior member.
» Subject to the Terms & Conditions of the Personal Accident Takaful.
» New gift based on tier will soon be updated.


BSN Smart Junior (Effective 1 December 2013)

Balance in Account Interest Rate
< RM150 0.35%
RM150 to RM25,000 1.20%
Above RM25,000 1.70%


»  Payment of interest will be credited to your account annually.
»  You are allowed to perform a maximum of only ONE withdrawal per month to receive an effective rate. If withdrawal is performed MORE than once in the same month, the calculation of interest rate will be as BSN GIRO Account interest rate. To enjoy your BSN Smart Junior rates, member must ensure they maintain minimum balance of RM160* in their account at all times.
» *RM150 freezed and minimum balance of RM10 in account.



» Open to students aged 7-20 years old.
» Malaysian citizen.
» BSN GIRO Account Holder.
» Maintain minimum balance of  RM160* in BSN GIRO Account.
» Completed BSN Smart Junior Application Form (duly signed
   by Parents / Guardian).
» Perform maximum of only ONE withdrawal per month.



»  Members may terminate their membership only after one year by completing the termination form. 
»  Parent/Guardian is required to sign the termination form for members aged 18 years and below.
»  Automatic termination of membership will occur when members turn 21 years old.


Fees & Charges

»  RM5.00 will be charged for the lost or damage of BSN Smart Junior Membership Card.
»  Bank will issue a new card to member immediately.


Contact Us

For more information about BSN Smart Junior, please contact us at:

Tel: 1300 88 1900
Email :


Important Note: All BSN’s Deposit products are guaranteed by the Malaysian Government.