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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 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.
» Activities: Explore the possibilities when you join our educational activities such as; Seminars, Motivational Courses, Camping Activities, Sports Clinic, Science Exploration and lots more!
» Personal Accident Takaful: 24-Hours coverage for BSN Smart Junior members only.
Description (Personal Accident Takaful) Coverage
Permanent disability and death caused by accident. Ten (10) times the amount of savings up to RM50,000.00
(minimum savings of RM150)
Funeral expenses RM3,000.00


» For 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.
Your BSN Smart Junior membership is based on below 3 tiers of minimum earmarked of your savings:
» Tier 1 : RM150
» Tier 2 : RM300
» Tier 3 : RM500

Interest Rates

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 ONE withdrawal per month to receive the effective rate. If there is more than one withdrawal transaction in the same month, the calculation of interest rate will be based on BSN GIRO Account interest rate.
» To enjoy BSN Smart Junior interest 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.
» View all banking Rates & Charges.


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


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