Saturday, 27 August 2016,   23 Zulkaedah 1437H
Home Customer Care > Rates & Charges > Interest Rates (Conventional)


Interest Rates (Conventional)

 

 

BSN GIRO (effective 1 August 2016)

Balance in AccountInterest Rate (% p.a.)
Up to RM5,000 0.25%
Up to RM50,000 0.45%
Above RM50,000 0.85%

BSN Basic Savings (effective 1 August 2016)

Balance in AccountInterest Rate (% p.a.)
Up to RM5,000 0.25%
Up to RM50,000 0.65%
Above RM50,000 0.95%

BSN GIRO Corporate (effective 1 August 2016)

Balance in AccountInterest Rate (% p.a.)
RM100 - RM50,000 0.25%
RM50,001 - RM100,000 0.50%
Above RM100,000 0.85%

BSN Smart Junior (effective 1 December 2013)

Balance in AccountProfit Rate
RM150 to RM25,000.00 1.20%
Above RM25,000.00 1.70%

BSN GIRO eSaver (effective 15 November 2010)

Balance (RM) Interest Rates % p.a.
Less than 500.00 0.30%
501.00-5,000.00 0.40%
5,001.00-25,000.00 0.50%
25,001.00-50,000.00 0.75%
50,001.00-100,000.00 1.00%
100,001.00-500,000.00 1.75%
500,001.00 and above 2.00%

CHESS Account (effective 8 May 2009)

PeriodPercentageBonus Upon Interest
1 - 5 years 2.50% 15%
6 - 10 years 2.50% 20%
11 - 15 years 2.50% 25%
16 - 20 years 2.50% 30%

SEDAR Account (effective 8 May 2009)

Period of SavingsAnnual Interest RateBonus
First Year (12 months) 2.5% 15% bonus upon interest received
Second Year (24 months) 2.5% 30% bonus upon interest received
Subsequent Years 2.5% 30% bonus upon interest received

Skim Galakan Simpanan Pelajar  (effective 1 March 2015)

Savings AmountInterest / Profit Rate
RM150.00 to RM25,000.00 1.20%
Above RM25,000.00 1.60%

BSN Term Deposit for Individual & Corporate (effective 25 July 2014)

PeriodInterest Rate
1 month 3.15%
3 months 3.15%
6 months 3.20%
9 months 3.25%
12 months 3.35%
15 months 3.45%
18 months 3.50%
24 months 3.45%
36 months 3.45%
48 months 3.55%
60 months 3.75%

BSN Term Deposit Senior Citizen (effective 25 July 2014)

Investment Amount< RM50,000> RM50,000
Maturity PeriodRate
12 months 3.40% 3.45%
15 months 3.50% 3.55%
18 months 3.55% 3.60%
24 months 3.60% 3.65%
36 months 3.65% 3.70%
48 months 3.70% 3.75%
60 months 3.95% 4.00%

 

BSN MyRinggit (Conventional) - Flat Rate


BSN MyRinggit: SKAP, SCOP
, BPA & SKAN (Klasik)

No.

Income

Interest Rate

Loan Period

1

RM800 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%

 


BSN MyRinggit: SKAP, SCOP
, BPA & SKAN (Super Klasik B)

No.

Income

Interest Rate

Loan Period

1

RM2,500 to RM5,000

4.75%

Minimum : 2 years
Maximum: 10 years

2

> RM5,000

4.50%

 


BSN MyRinggit: EKSEKUTIF -1

No Income Interest Rate Loan Limit Tenure
1 RM3,000 to RM5,000 8.50% 5x of monthly gross income

Minimum: 2 years

Maximum: 10 years

2 > RM5,000 to RM10,000 7.00% 7x of monthly gross income
3 > RM10,000 6.00% 10x of monthly gross income / Maximum RM200,000.00 whichever is lower

Minimum Loan  : RM10,000
Maximum Loan :  10x of monthly gross income / Maximum RM200,000 whichever is lower. 

 

BSN MyRinggit: ATM (Salary Deduction)

Rank

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

For rank of Lieutenant or equivalent and above

RM 5,000

RM200,000

1-10 years

4.99%

For rank of Second Lieutenant or equivalent and below

35 x of monthly gross income / up to
RM 200,000 (whichever is lower)

5.29%

 

BSN MyRinggit: ATM (Non Salary Deduction)

Rank

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

For rank of Lieutenant or equivalent and above

RM 5,000

10 x of monthly  gross income / up to
RM 200,000 (whichever is lower)

1-10 years

6.99%

 

BSN MyRinggit - Monthly Rest Basis

 

BSN MyRinggit - Sandaran BSN Term Deposit (Floating Rate)

SchemeLess than RM100,000More than RM100,000
Sandaran BSN Term Deposit BR + 2.50% BR + 2.00%

»  Minimum loan for Sandaran BSN Term Deposit : RM5,000.00
»  Maximum loan for Sandaran BSN Term Deposit : 95% from the value of Sijil Simpanan Tetap

 

BSN MyRinggit EKSEKUTIF-1 (Floating Rate)

Scheme Tenure (years) Rate
EKSEKUTIF-1 (Floating Rate)

2 - 10

subject to :
i. The retirement age, whichever is earlier; OR
ii. Customer qualification 


BR + 5.00% (monthly rest basis)

Current BSN Base Rate (BR):
3.95% (with effect from 21st July 2016)

 

BSN MyRinggit ASB (Floating Rate)

Loan Amount

Loan Period

Interest Rate

Minimum

Maximum

RM 10,000

    RM 200,000 (excluding others charges)

5-30 years or subject to the maximum age of 65 years, whichever is earlier.

» BR + 1.35%
Government’s servant who owns BSN’s salary account (Installment through Standing Instruction)

» BR + 1.40%
Other categories of customer (Private or Government sector)

Current BSN Base Rate (BR):
3.95% (with effect from 21st July 2016)