MoneyPLUS Savings Account

An exclusive savings account where you can earn interest while you save, pay, spend and invest.

Here's what MoneyPLUS Savings Account offers you:

Ease of opening an account with an initial deposit of just RM250.
Minimum balance to be maintained in the account at any one time is RM20.
Attractive interest rates calculated daily and credited monthly.
Earn additional Bonus Interest Rates on top of prevailing board rates in a calendar month as follows:

Category	Criteria	Bonus Interest Rate (% p.a.)
Save	Deposit and maintain a minimum incremental Monthly Average Balance (MAB) of RM5,000*	1.00
Invest^#	Unit Trust Invest a minimum cumulative of RM8,000 in PB Series / Public e-Series Equity / Balanced / Mixed Asset Unit Trust Funds; or Bancassurance/ Bancatakaful Purchase / Subscribe a minimum cumulative of RM8,000 in Single Premium / Contribution Products or a minimum cumulative of RM3,000* in Regular Premium / Contribution Products; or Gold / eGold Investment Account (GIA/eGIA) Perform a minimum cumulative of RM8,000* in gold sales and / or gold purchase	0.60*
Pay	Pay a minimum cumulative RM500 bill online	0.30*
Spend	Spend a minimum cumulative RM500 via MoneyPLUS Saving Account’s Debit Card	0.30*

^#With effect from 1 March 2025

*With effect from 1 November 2025

The Bonus Interest Rate is subject to the fulfillment to maintain a minimum Monthly Average Balance (MAB) of RM5,000.

Bonus interest is paid monthly based on MAB and up to a maximum MAB of RM100,000.
Easy access to your account through any Public Bank branch, Self Service Terminals and Public Bank Online / Mobile Banking services.

MoneyPLUS Savings Account is protected by PIDM up to RM250,000 for each depositor.

GIA and eGIA are not protected by PIDM.

WARNING:

GIA / eGIA IS A NON-PRINCIPAL PROTECTED PRODUCT AND IS A NON-INTEREST BEARING ACCOUNT. THE RETURNS ON GIA / eGIA IS SUBJECT TO THE GOLD PRICE FLUCTUATIONS. THE RETURNS ON GIA / eGIA ARE UNCERTAIN AND CUSTOMER RISKS EARNING NO RETURNS OR EVEN A POSSIBILITY OF INCURRING LOSSES.

Eligibility