Versa vs StashAway Malaysia 2026

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Two SC-licensed money market cash funds. Both offer daily liquidity with no lock-in — here's how the details differ.

Both are SC-licensed money market funds with no lock-in. Versa Cash offers a Shariah option (Cash-i) and PRS tax relief; StashAway offers a broader robo-advisor suite beyond cash. Returns are variable and not guaranteed for either.

Versa vs StashAway 2026 — Full Comparison

Feature	Versa Cash	StashAway Simple
SC Licensed	Yes	Yes
Indicative return	3.24–3.69% p.a.	~3.55% p.a.
Minimum deposit	RM10	None
Lock-in	None	None
Shariah option	Yes — Versa Cash-i	No
PRS (tax relief)	Yes — RM3,000/year relief	No
Other products	Unit trusts (Versa Growth)	Robo-advisor portfolios, flexible portfolios, gold
PIDM protected	No	No

Rates as of July 2026, sourced from each platform's own site. Not guaranteed — variable and subject to change. Past performance is not indicative of future performance.

Key Differences

Versa Stands Out For...

Shariah-compliant option (Versa Cash-i)
PRS retirement account with tax relief
Unit trust access (Versa Growth) in the same app

StashAway Stands Out For...

No minimum deposit at all
Broader robo-advisor portfolio range beyond cash
Gold and thematic portfolio options

💰 Versa — Free RM10SC regulated · Code CALMY

RM10,000 Idle Cash Earns ~RM324–369/Year — No Lock-In

Illustrative 1-Year Return (Indicative Rate)

Deposit	Return (3.24–3.69% p.a.)
RM1,000	RM32–37
RM5,000	RM162–185
RM10,000	RM324–369

🔓No lock-in — withdraw anytime
🏦SC-licensed money market fund, min RM10
📋PRS option available — up to RM3,000/year tax relief

Get Free RM10 — Sign Up with Code CALMY →

Rate is variable, not guaranteed. Past performance is not indicative of future performance. Not reviewed by SC. Min RM10 · T&Cs apply.

FAQ — Versa vs StashAway Malaysia

Is Versa or StashAway safer?

Both are licensed and regulated by the Securities Commission (SC) Malaysia. Neither Versa Cash nor StashAway Simple is a bank deposit — neither is PIDM protected. Both invest client funds in licensed money market instruments held with independent trustees, separate from company assets.

What is the current rate on Versa Cash vs StashAway Simple?

Versa Cash offers a base net return of approximately 3.24–3.69% p.a. StashAway Simple's projected rate is approximately 3.55% p.a. (as of July 2026). Both rates are variable and move with money market conditions — check each app for the current rate before deciding.

Does StashAway have a Shariah option like Versa Cash-i?

Versa offers Versa Cash-i, a Shariah-compliant version of its cash fund. StashAway's Simple product is a conventional (non-Islamic) money market fund. If Shariah compliance matters to you, Versa Cash-i or Wahed Invest are the relevant options.

Can I use both Versa and StashAway?

Yes. Both are standalone cash management apps with no lock-in, so there's no conflict in holding funds in both — some users split idle cash across platforms as a form of diversification, since neither is PIDM-insured.

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