Free RM50,000
Free RM2.99
Free RM50
Free RM50
Free RM2.99
Free RM50
Bottom Line
GXBank is one of the best places to park savings in Malaysia right now — the Bonus Pocket promotional rate of 4% p.a. on up to RM50,000 beats all conventional bank FDs, and the standard 3.18–3.55% p.a. remains competitive even after the promo ends. On the borrowing side, FlexiCredit starts at 3.78% p.a. flat (EIR 6.45%), which is among the lowest unsecured credit rates available.
GXBank Savings Interest Rates 2026
| Product | Rate | Tenure |
|---|---|---|
| Main Account | 2.00% p.a. | Daily (no lock-in) |
| Savings Pockets | 2.00% p.a. | Daily (no lock-in) |
| Bonus Pocket (3-month) | 3.18% p.a. | 3 months |
| Bonus Pocket (6-month) | 3.55% p.a. | 6 months |
| Bonus Pocket (Promo)PROMO | 4.00% p.a.* | 3 months |
Source: gxbank.my · Rates verified 2026. *Promotional rates subject to change.
GXBank Interest Rate Calculator
Bonus Pocket Earnings Calculator
| Product | Rate | Tenure | You Earn |
|---|---|---|---|
| Main Account | 2.00% p.a. | Per year | RM 200.00 |
| Bonus Pocket | 3.18% p.a. | 3 months | RM 79.50 |
| Bonus Pocket | 3.55% p.a. | 6 months | RM 177.50 |
| Bonus Pocket (Promo)PROMO | 4.00% p.a. | 3 months | RM 100.00 |
* Promo rate applies to deposits up to RM50,000 for 3-month tenure. Bonus interest forfeited on early withdrawal. Principal always accessible.
How GXBank Daily Interest Works
GXBank credits interest to your account every day — unlike fixed deposits which only pay out at maturity. This means your interest earns interest the very next day (daily compounding).
Formula: Daily interest = Balance × (Annual rate ÷ 365)
Example: RM10,000 in Main Account at 2% p.a.
- • Daily interest: RM10,000 × 2% ÷ 365 = RM0.55/day
- • Monthly interest: ≈ RM16.44/month
- • Annual interest: RM200.00
The Bonus Pocket works differently — interest is credited at maturity (end of 3 or 6 months). If you withdraw early, you forfeit the bonus interest but keep the 2% p.a. base already credited daily.
GXBank vs Other Banks — Savings Rate Comparison 2026
| Bank | Base Rate | Best Rate | PIDM |
|---|---|---|---|
| GXBankTHIS | 2.00% p.a. | 4.00% p.a.* | ✓ |
| Boost Bank | 2.50% p.a. | 4.00% p.a.* | ✓ |
| Ryt Bank | — | Up to 4.00% p.a. | ✓ |
| AEON Bank | — | ~3.80% p.a. | ✓ |
| Best FD (CIMB/AmBank) | — | 3.70% p.a. | ✓ |
*Promotional rates. Comparison based on publicly available rates as of 2026. Verify current rates at each bank's official website.
GXBank FlexiCredit Interest Rate
Flat Interest Rate
3.78%
p.a. (from)
Effective Interest Rate
6.45%
p.a. EIR
| Credit limit | Up to RM150,000 |
| Repayment tenure | 6 to 60 months |
| Processing fee | None |
| Early settlement fee | None |
| Approval speed | Instant (in-app) |
Actual rate depends on credit profile. Source: gxbank.my/flexicredit & CTOS CreditFinder.
Sehingga RM225 Ganjaran — GX Bank FlexiCredit & Biz FlexiLoan
RM225Had kredit peribadi & perniagaan sehingga RM150,000. Kelulusan dalam minit.
Frequently Asked Questions
What is GXBank's savings interest rate in 2026?
How does GXBank calculate daily interest?
Is GXBank's 4% p.a. Bonus Pocket rate guaranteed?
What happens if I withdraw from GXBank Bonus Pocket early?
How does GXBank compare to fixed deposits in Malaysia?
What is GXBank FlexiCredit's interest rate?
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