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How to Buy Amanah Saham: ASB, ASM & ASN, Step by Step
Every Amanah Saham fund is bought through ASNB: in the myASNB app, a bank app, the TNG eWallet or a counter, from RM10. Here is which fund you can buy, the five steps in myASNB, and every other channel with its fees, all from ASNB's own pages. Watch Pudding do it in a minute first.
The 5 Steps in the myASNB App
- 1
Check which fund you can buy
ASB, ASB 2 and ASB 3 Didik are for Bumiputera investors (and Malaysians of Siamese/Thai or Portuguese/Eurasian descent and non-Bumiputera Muslim converts). ASM, ASM 2 Wawasan, ASM 3 and the ASN funds are open to all Malaysians.
- 2
Download myASNB and sign up
Install the myASNB app from the App Store or Google Play, tap Sign up and set your email, user ID and password. ASNB charges no platform fee to register or use it.
- 3
Verify your MyKad online (eKYC)
Verify your identity with your MyKad in the app. ASNB says verification can take up to 24 hours. You need a bank account in your own name for FPX payments.
- 4
Choose a fund and invest from RM10 by FPX
Pick the fund and make the first investment, from RM10, paid by FPX from your own bank account. Fixed-price funds such as ASB and ASM are RM1.00 a unit, so RM10 buys 10 units. Top up from RM1 after that.
- 5
Top up early, or set up Auto Labur
ASB pays its dividend on each month's lowest balance, so money that lands on the 1st earns for the whole month. Auto Labur in myASNB invests a fixed amount automatically, from RM10 to RM30,000 a month.
Which Amanah Saham Fund Can You Buy?
Fixed-price funds stay at RM1.00 a unit and pay a yearly distribution. Variable-price ASN funds move with the market, like any unit trust.
| Fund | Who can buy | Latest payout | Financial year ends |
|---|---|---|---|
| Amanah Saham Bumiputera (ASB) | Bumiputera | 5.75 sen (FY2025) | 31 Dec |
| Amanah Saham Bumiputera 2 (ASB 2) | Bumiputera | 5.50 sen (FY2026) | 31 Mar |
| ASB 3 Didik | Bumiputera | 5.50 sen (FY2026) | 30 Jun |
| Amanah Saham Malaysia (ASM) | All Malaysians | 5.00 sen (FY2026) | 31 Mar |
| ASM 2 Wawasan | All Malaysians | 5.00 sen (FY2026) | 31 Aug |
| ASM 3 | All Malaysians | 5.00 sen (FY2026) | 30 Sep |
| ASN variable-price funds | All Malaysians | Price moves daily: ASN, ASN Equity 2, ASN Equity 3, ASN Equity 5, ASN Equity Global, ASN Imbang 1, ASN Imbang 2, ASN Imbang 3 Global, ASN Sara 1, ASN Sara 2, ASN Sukuk | |
"Bumiputera" funds also admit Malaysians of Siamese/Thai or Portuguese/Eurasian descent and non-Bumiputera Muslim converts. ASB and ASB 2 are capped at 300,000 units each; the others sell subject to units being available. Rates, history and the dividend calculator are on our ASB page; every ASNB fund on unit trusts.
Every Way to Buy: Apps, Banks and Counters
The units are the same everywhere. What differs is whether you can open an account there, and the fee: agent banks and TNG charge RM1 on every fixed-price transaction, which adds up on small monthly top-ups.
| Channel | Open / first buy | Top up | Fee | Good to know |
|---|---|---|---|---|
| myASNB app / portal | Yes | Yes, from RM1 by FPX | No platform fee | Redeem online too |
| Maybank MAE | Yes (Apply → Investment → ASNB Account) | Yes, from RM1 | RM1 per fixed-price transaction | Fixed-price funds 7am–7pm, Sun–Fri |
| Maybank2u / Maybank ATM | Not listed (use MAE) | Yes, from RM1 | RM1 per fixed-price transaction | ASNB's subscription page quotes RM100 minimum here; its channel table RM1 |
| CIMB Clicks / OCTO | Initial investment offered | Yes, from RM1 | RM1 per fixed-price transaction | 2am–9pm daily |
| HLB Connect | Initial investment from RM10 | Yes, from RM1 | RM1 per fixed-price transaction | 2am–9pm daily |
| RHB Online / mobile | Not listed | Yes, from RM1 | RM1 per fixed-price transaction | 7am–7pm, working days |
| Affin Always | Not listed | Fixed-price funds, from RM1 | RM1 per transaction | After 4pm: next working day |
| TNG eWallet | Yes, or link an existing account | Yes, from RM10 | RM1 per fixed-price transaction | Weekly or monthly auto-invest |
| ASNB branch / agent counter | Yes, with your MyKad | Yes | None at ASNB | 32 branches, 2,700+ agents incl. Pos Malaysia |
Bank minimums, hours and services from ASNB's online-platforms page (13 Nov 2026); banks also apply your daily transfer limit. Variable-price (ASN) purchases are priced forward and show up after about two business days.
Auto Labur, Salary Deduction, EPF and Financing
Ways to keep buying without doing it by hand every month.
In myASNB: pick a fund → Auto Invest → set the amount, frequency and deduction date → confirm the FPX account. RM10 to RM30,000 a month, no charge for the service; ASNB debits RM1 to verify your bank account when you enrol, change or stop it (credited into your fund on success, refunded within 10 business days otherwise). Covers ASB, ASB 2, ASM 2 Wawasan and ASM 3 (Bumiputera units) and most ASN variable-price funds.
If your employer takes part, a fixed amount comes off your pay every month into your ASNB fund. Ask HR, fill in the SPG form (civil servants use the federal SPG ASNB form), attach your IC and ASNB account details. ASNB states a minimum of RM10 a month.
EPF members can move part of their savings into approved ASNB funds through i-Akaun → i-Invest. ASB and ASM are not on it: their ASNB fund pages say "EPF Members Investment Scheme: None". Check a fund's own ASNB page for its EPF status before you plan on this route.
ASNB branches and agents take MyDebit cards for initial or additional investments, instead of cash or cheque.
Agent banks lend you a lump sum to buy ASB units, repaid monthly. It only pays while the dividend stays above the loan's rate, and the rate is not guaranteed. Run the numbers on our ASB loan calculator (linked at the foot of this page) first.
Three Things to Know Before You Buy ASB
- Timing pays.The dividend is worked out on each month's lowest balance, so put money in at the start of a month, and as early in the year as you can. ASB paid 5.75 sen for 2025 (declared 19 Dec 2025): RM10,000 held all year earned about RM575, credited as units on 1 January.
- The year-end freeze. ASB stops transactions for the last few business days of December while PNB works out the distribution. Money added in late December earns almost nothing for that year anyway.
- It is not a deposit. The RM1.00 price does not move, but ASB is not capital-guaranteed or PIDM-insured and the rate is declared after the year ends. Compare it with fixed deposit rates.
How to Buy Amanah Saham: FAQ
Download the myASNB app, sign up, verify your MyKad online (eKYC, up to 24 hours), choose the fund and make the first investment of RM10 or more by FPX from a bank account in your own name. Maybank customers can also open an ASNB account in the MAE app and TNG eWallet users in the eWallet.
RM10 to open and RM1 for each top-up after that. ASB is a fixed-price fund at RM1.00 a unit, so every ringgit buys one unit, up to 300,000 units per account.
Yes. ASM, ASM 2 Wawasan and ASM 3 are fixed-price funds open to all Malaysians (ASM paid 5.00 sen for FY2026), and the ASN variable-price funds are open to all Malaysians too. ASB, ASB 2 and ASB 3 Didik are for Bumiputera, plus Malaysians of Siamese/Thai or Portuguese/Eurasian descent and non-Bumiputera Muslim converts.
Yes. Since 15 December 2017 ASNB accepts investments from birth, through a registered guardian who is a Malaysian aged 18 or over. The guardian opens the account with the child's MyKid or birth certificate. A child's ASB units can be redeemed from age 12, up to 200 units a week, and convert to an adult account at 18.
ASB has no sales charge and no repurchase charge, and myASNB charges no platform fee. Agent banks (Maybank, CIMB, RHB, Hong Leong, Affin) and the TNG eWallet charge RM1 per fixed-price fund transaction, so small regular top-ups are cheapest in myASNB.
Yes. ASNB says you can register in myASNB and verify your identity by eKYC without a branch visit, though some cases still need a branch or agent, depending on its current procedures.
A valid MyKad (MyKid or birth certificate for a child) and a bank account in your own name for FPX. At a counter ASNB may ask for proof of eligibility for the Bumiputera funds where your MyKad does not show it, such as a birth certificate showing lineage or a native certificate for Sabah or Sarawak.
Early: early in the month and early in the year. ASB pays on the average of your 12 monthly minimum balances, so money in on the 1st earns for the whole month and a January deposit counts for all 12 months. ASB paid 5.75 sen for 2025: RM10,000 held all year earned about RM575.
Rates.my is an independent comparison site, not an ASNB agent. Channels, fees and limits are as published by ASNB on 13 Nov 2026 and can change; check in the app before you transact. Distributions are declared after the fact and are not guaranteed. Information, not financial advice.