Editorial Standards & Methodology
Last reviewed: 10 July 2026
Rates.my helps Malaysians compare financial products in one place. Every rate is pulled from an official source, checked before it goes live, and stamped with when it was last verified. Below: our sources, refresh schedule, automated checks, and how to report an error.
Who compiles and reviews this
The Rates.my Editorial Team — a small Malaysia-based team tracking bank and market data daily — compiles and maintains every rate, table and guide. Guides carry a named byline; data pages carry a "Reviewed by the Rates.my Editorial Team" credit, and you can always reach a real person to flag an error.
Where our numbers come from
Rates come directly from official sources — providers' own pages and feeds, Bank Negara Malaysia, and the Government's open-data portal — refreshed automatically, not typed by hand. Source and refresh cycle per dataset below (all times MYT, UTC+8).
From UOB, CIMB, RHB, BSN, Bank Islam, Public Bank, Public Gold, Maybank, Habib Jewels and Poh Kong. Refreshed daily, ~9:35am & 12:05pm MYT. 916 figures are spot-derived — no clean official per-gram source exists.
From the official weekly dataset on data.gov.my. Checked hourly during the Government's announcement window; recorded only when the price actually changes.
From each bank's own site: Maybank, CIMB, Public Bank, RHB, Hong Leong, AmBank, Alliance, BSN, Standard Chartered, HSBC. Verified twice daily (~9:50am, 12:20pm MYT); implausible changes are held for human review, never auto-published.
From each lender's own pages: Maybank, CIMB, RHB, BSN, UOB, Bank Muamalat. Verified twice daily (~10:10am, 12:40pm MYT) with plausibility checks; no blind overwrites.
USD/MYR and SGD/MYR from Bank Negara Malaysia's public API; KLCI and S&P 500 from the Yahoo Finance API. Refreshed weekdays; index levels are indicative snapshots.
Compiled daily from KLSE Screener's entitlements page (Bursa Malaysia announcements). Yields move with the share price daily — confirm live on Bursa Malaysia or your broker.
Monthly (8th, ~10am MYT), from official factsheet PDFs via Fundsupermart — Nomura, Maybank Asset Management, TA Investment, Manulife, UOB Asset Management, Principal, Eastspring, Kenanga, RHB. AI-assisted reading (see "How we use AI"), human-reviewed before publishing; an unclear factsheet keeps its prior values rather than guess.
Frankfurter API (European Central Bank reference rates), updated once per ECB business day. Fetched live on the currency page and cached briefly.
How we check the data every day
Automated checks run every day on our data pipeline before anything reaches you:
- Gold — scrapes 9+ providers and falls back to a spot-tracked baseline if one fails, so the table never goes blank.
- Fixed deposits — re-verifies each campaign's expiry and plausibility against the bank's page; implausible changes are flagged for review, not published.
- Personal loans — checks rates are plausible, the effective rate exceeds the flat rate, and the lender's page is still live; failures are flagged, not published.
- Editorial datasets (savings accounts, e-wallets, brokers, car insurers) — a staleness audit warns before a dataset goes stale and flags implausible yields, ratings or missing "Apply" links.
- Credit cards — checks promo freshness, flags implausible fees or cashback, and validates data integrity.
- Unit trusts and trending stocks — sanity-check returns, prices, market caps and obvious outliers.
A daily freshness pass re-stamps every "last updated" date, so what you see is when the data was actually verified — not a stale number.
Independence and how we make money
Rates.my is independent. Rankings follow the published numbers, never commercial relationships — no bank can pay to rank higher. Some links (e.g. certain credit cards) earn us a referral fee at no cost to you, which keeps Rates.my free; it never changes a product's rank.
How we use AI
AI is used two ways: reading structured data (e.g. fund factsheets) and powering the on-site assistant. It's supervised, not final — AI-read fund updates are human-reviewed before publishing, and assistant answers are for reference only. AI never generates a ranking on its own.
Freshness and corrections
Every data page shows a "Last updated" stamp (MYT). Rates are indicative and can change during the day — confirm with the provider before transacting. Spotted an error? Email raymond@rates.my — we fix confirmed errors quickly and update the "Last updated" date.
Not financial advice
Rates.my is a comparison platform, not a licensed financial adviser — nothing here is financial, investment, tax or legal advice. Fixed deposits with licensed Malaysian banks are PIDM-protected up to RM250,000 per depositor per bank. Verify with the institution before committing.
Contact
Questions about our methodology, a correction, or a new feature? Email raymond@rates.my.