PRODUCTS & SERVICES

At RHB Bank Berhad, we offer a complete range of financial products and services to meet the financial needs of our clients.

Current account

Savings account

DEPOSITS PRODUCTS

Savings account

Overview	A passbook based Savings Account for Adult & Children
Eligibility	Individuals aged 18 and above Children aged 12 years old and above Trustees, societies, clubs, associations and other non-business organizations Trust Account: Individuals aged below 12 years
Initial Deposit	BND100.00
Minimum Balance in account	BND50.00
Interest Computation/Payment	Interest is calculated daily and credited half-yearly No minimum amount required to earn interest
Current Interest Rates	0.15% p.a.
Fees & Charges	Account closed within 6 months - service charge of BND25.00 Lost passbook replacement - service charge of BND15.00 and stamp duty on indemnity of BND0.50 Lost ATM card replacement - service charges of BND15.00 Dormant/Inactive Account - BND25 half yearly Reactivation of Dormant/Inactive Account - BND10 Closed Account within 6 months of opening - BND25 Standing Instruction to Other banks - BND20

Fixed Deposits account

Fixed Deposits account

Overview

Fixed Deposit (FD) is a placement of funds, which yields interest at a rate, which is fixed for the tenure or duration of placement

Eligibility

Individuals, sole proprietorships, firms, societies, associations, financial institutions, government institutions, business enterprises

Minimum Deposit / Placement

Tenure

Minimum Balance in account

Premature Withdrawal

Contracted Tenure	Upliftment	Interest
1-12 months	> 1 mths	Penalty of 1% interest
1-12 months	< 1 mths	No interest will be paid

Overdraft

Housing Loans

Housing Loans

Overview	Financing for the purchase of residential property
Eligibility	Individual
Margin of Financing/Loan amount	Maximum 80% of the open market value of the property charged
Loan Tenure	Maximum 25 years or up to age 60 of the borrower, whichever is earlier
Processing Fee	Min BND350-00 or 0.05%
Interest Charges	EIR 4.50% p.a.
Fee & Charges	Prepayment Fees: Full Prepayment - Loan paid up to 5 years is 3.00% of outstanding balance Partial Prepayment - Full 3 months interest charge Amendment/Restructure/Top up Fee - 0.05% min. BND200 Cancellation Fee - 0.05% of outstanding balance or min. BND300 Request for Certificate of Balance (COB) - BND30 Request for Clearance Letter - BND30

Term Loans Business Loans and Bridging Loans

Trade Financing

Foreign Telegraphic Transfers(AUD CNY EUR GBP IDR JPY SGD THB USD)

Fast TT (MYR)

Our counter foreign exchange rates are the most competitive in the country
We offer up to 8 foreign currencies to meet trade, educational and financial needs of customers
Our Fast TT in Ringgit ensures that beneficiary receives a fixed amount of Ringgit without being affected by exchange rate fluctuations

Overview	Basic current account with cheque book
Eligibility	Individuals aged 18 and above Business Entities
Initial Deposit	Individual - BND1,100 Business -BND1,100
Introducer	Required. Existing Bank Customer / Bank Staff
Statement Frequency	Monthly
Fees & Charges	A monthly service charge of BND10 will be charged if the average monthly balance is below BND1,000.00 Dormant/Inactive Account - BND15 monthly Reactivation of Dormant/Inactive Account - BND10 Closed Account within 6 months of opening - BND50 Stop Cheque - BND15 per cheque Marked Cheque - BND30 per cheque Returned Cheque - BND100 (Insufficient Fund) Returned Cheque - BND20 (Technical Error) Standing Instruction to Other banks - BND20 Other standard fees & charges apply

Overview	Financing of trade business in terms of banker's guarantee, performance bond, letter of credit, trust receipts and receivables
Eligibility	Business Entities
Margin of Financing/Loan amount	Depending on types of collateral
Processing Fee	Min BND350-00 or 0.05%
Interest and Charges	Subject to different trade financing scheme