Boost Bank's 4% Savings Rate Comes With a RM3,000 Ceiling

Boost Bank advertises “up to 4% p.a.” on its savings jars. Only one jar actually reaches that — and it stops growing fast. A quieter 3.3% jar, with no cap at all, ends up paying more once your balance passes a certain point.

The 4% jar’s fine print

• The first month is free — no spending required until month two of the BoostUP Jar.
• Four transaction types don’t count toward the spend rule: wallet transfers, cash-ins, Payflex payments, and donations.
• Boost caps total deposits at RM200 million for BoostUP and RM350 million for Unlimited, first-come first-served.

Which jar actually pays more

• The advantage compounds with balance size — the more you hold, the bigger the gap between the two jars.
• Withdrawals lose the bonus on that amount — only ringgit that stays in the jar earns the promotional rate.
• Both jars fall back to the base rate when their campaigns end — nothing here is a permanent rate.

See Boost Bank’s full savings and FD rate table, or how it compares to GXBank’s Bonus Pocket rate.

What to watch

• 31 Oct 2026The Unlimited Jar campaign closes, after already being extended once.
• 17 Nov 2026The BoostUP Jar campaign is due to end, per Boost’s own Special Jars page.
• Each monthCheck your Boost eWallet spend before month-end — miss RM500 and the BoostUP Jar deactivates automatically.

Sources & further reading

• Boost Bank — Special Jars, rates and campaign dates
• Boost Bank — BoostUP Jar Campaign Terms and Conditions
• Boost Bank — Unlimited Jar Campaign Terms and Conditions
• Boost Bank — Digital Savings Account interest rates
• Rates.my — GXBank Bonus Pocket Rate 2026: how it stacks up against digital banks
• Rates.my — Boost Bank’s full FD & savings rate table