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Fixed Deposit

3.70% vs bank FDs

GXBank Bonus Pocket Rate 2026: 3.70% p.a., No Fresh Funds Needed — How It Stacks Up Against Bank FD Promos

RaymondRates.my4 min read

GXBank's Bonus Pocket now pays 3.70% p.a. on a 6-month hold, confirmed today straight off GXBank's own page — up from the 3.55% Rates.my last recorded. That ties AmBank's headline eFD rate, with no branch, no fresh-funds rule, and a RM1 minimum.

3.70%
GXBank Bonus Pocket, 6 months
3.18% on the 3-month tenure
RM1
Minimum to open a pocket
vs RM1,000–RM10,000 for bank promo FDs
RM50,000
Max savings across 4 pockets
RM12,500 cap per pocket

How 3.70% stacks up against bank FD promos

GXBANK VS LIVE BANK FD PROMOSevery customer qualifies — one scale, 21 Aug 2026GXBank Bonus Pocket6 months · RM1 min · app only3.70%AmBank AmOnline eFD12 months · RM1,000 min · app only3.70%RHB 7 & 9 Months Campaign9 months · RM5,000 min3.80%MBSB TD-i Campaign12 months · RM1,000 min · PIDM3.80%Alliance Bangsar Branch6 months · RM10,000 min4.08%
GXBank's Bonus Pocket against five live promo rates any customer can open, one shared scale. Four of the five close by 31 August.
  • GXBank needs no fresh funds — existing GXBank balances qualify, unlike most bank promo FDs.
  • Alliance Bangsar and RHB still pay more — but both need a branch visit and a much larger minimum.
  • PIDM protects GXBank deposits too — up to RM250,000 per depositor, same as any licensed bank.
A hand holding a smartphone showing a money-transfer app screen with a green continue button
Bonus Pocket lives entirely inside the GXBank app — there's no branch to walk into. · Photo: Unsplash

GXBank vs Malaysia's other digital banks

GXBANK VS OTHER DIGITAL BANKStop advertised rate, and what it actually takesGXBank Bonus Pocket3.70%6-month hold, no fresh-funds rule,RM1 minimum to openBoost Bank BoostUP Jar4.00%Needs RM500+ monthly spendvia Boost Wallet to unlockAEON Bank Savings Pot3.00%No spend condition, but Shariah-only— not a fixed-term product
Boost Bank and AEON Bank both publish a savings rate too — GXBank's 3.70% sits between them, and each carries a different catch.
  • Boost's top rate needs monthly card spend — GXBank's doesn't, just a 3- or 6-month hold.
  • AEON's rate needs no spend condition either — but it's Shariah-only, not a fixed-term deposit.
  • Break a GXBank pocket early and you lose the bonus — only the 2.00% base rate stays.

See GXBank's full FD & Bonus Pocket rate table, or how it lines up against AmBank's own eFD promo.

What to watch

  • 31 Aug 2026AmBank, RHB, MBSB and OCBC's live FD promos all close — GXBank's Bonus Pocket carries no stated end date.
  • 17 Nov 2026Boost Bank's BoostUP Jar campaign is due to end, per Boost's own Special Jars page.
  • Before you placeCheck the GXBank app's own terms for early-withdrawal rules — the base rate survives a break, the bonus does not.
Not financial advice. This is general information based on GXBank, Boost Bank and AEON Bank's own published rate pages, and on Rates.my's own already-verified coverage of AmBank, RHB, MBSB and Alliance Bank's live FD promotions, all as at 21 August 2026. It is not a recommendation to open, place or apply for any account, and Rates.my does not issue rate forecasts. Confirm current terms with each provider before applying — promotional rates and eligibility can change or end early.

Sources & further reading

Ready to act on this?

See GXBank's full FD & Bonus Pocket rates

Keep reading

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This article is general information, not personalised financial advice. Rates.my is not a licensed financial adviser — always verify rates with the institution and consider your own circumstances.

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