1. Versa Save Conventional (10.00% p.a.)

Versa is a wealth management app that allows you to invest in local and global markets.

Their two most popular funds are Versa Save (Conventional) and Versa Save (Shariah-Compliant). Both are Money Market Funds that offer stable returns, much like TNG GO+ and StashAway Simple.

The base return rate for both funds are as follows:

• Versa Save (Conventional): 3.47% pa*

• Versa Save (Shariah Compliant): 3.14% pa*

*Nett returns for December 2025.

This is nothing to shout about, but to sweeten the pot, Versa is allowing new users to earn 10% p.a. for 90 days.

To receive these rates, you only have to set up a monthly auto-debit of RM500 or more into any Versa Save product.

The bonus begins from the month of your first auto-debit transaction and continues until the end of your Eligibility Period (refer below).

✅ User friendly

✅ Deposit/withdraw in 2-3 business days (Versa Save Conventional)

✅ Same day withdrawal if made before 10 AM for Versa Save Shariah-compliant

✅ Regulated by Securities Commission Malaysia

❌ Not protected by PIDM

🎁 Referral Code: THEFUTURIZTS (Get RM10 for first deposit of RM100 and above)

Download Versa: https://download.versa.com.my/1bAf/02iw4x48

View the full campaign TNCs: https://versa.com.my/10-p-a-auto-save-bonus-for-june-new-joiners/

2. Ryt Bank (4.00% p.a.)

Known as the first AI-powered digital bank, Ryt Bank allows you to earn 3.00% + 1.00% p.a. in Save Pockets.

To earn the additional 1.00% p.a., you have to spend at least RM10/day in 3 separate transactions using the Ryt Card. Otherwise, the earnings rate will drop to the base rate of 3.00% p.a.

The balance in your main account (and any extra funds above RM20,000 in Save Pockets) will earn 3.00% p.a. (base rate) with no cap.

Apart from this, all overseas spending with the Ryt card comes with 1.2% unlimited cashback, which makes it quite a competitive travel card. I compared it with GXBank, AEON Bank, and Wise during my Japan trip in March:

Instagram post

Notable perks:

✅ Earn up to 4.00% p.a., paid daily

✅ 1.2% unlimited overseas cashback

✅ WAIVED foreign transaction fees*

✅ Get up to RM5 when you use their AI to send money

✅ No minimum balance (like GXBank)

❌ Not Shariah-compliant

🎁 Referral code: PBWEL (get up to RM99 Duit Raya)

Explore more: https://www.rytbank.my/

Important note: From 18 June onwards, RYT Bank will be reducing the base interest rate of the main account from 3.00% p.a. to 2.05% p.a.

The bonus interest will increased from 1.00% p.a. to 1.95% p.a., so it’s still 4.00% p.a. on your first RM20,000.

View the updated TNCs here: https://www.rytbank.my/bonus-interest-campaign-updated

3. AEON Bank (3.00% pa + 1.00% cashback)

Dubbed as Malaysia’s first Islamic Digital Bank, AEON Bank allows you to earn up to 3.00% p.a., paid at the end of each month.

To be clear, the balance in your main account will earn 0.25% pa, while savings pots will earn 3.00% p.a.

You can create up to 20 savings pots with different goals, and the money can be deposited/withdrawn instantly.

You’ll also receive 2x AEON points for every RM1 spent using the debit card at participating AEON stores, which can be claimed for cash (1,000 points = RM5.00). This makes the cashback rate 1.00%.

✅ Shariah-compliant.

✅ Savings account, insured by PIDM.

✅ Deposit/withdraw instantly using DuitNow.

✅ 1.00% cashback on debit card spending at AEON stores.

❌ Profit payout occurs at the end of each month.

🎁 Referral Code: AB403017 (Get RM12 debit card waiver)

Explore more: https://www.aeonbank.com.my/promotions/awareness

4. MooMoo Cash Plus (6.00% p.a.)

Moomoo Cash Plus mainly invests in cash management tools such as bank deposits and short-term government bonds.

You can choose from a few money market funds, namely:

• Maybank Retail Money Market Fund (~3.50% p.a.)

• Eastspring Investments Islamic Income Fund (~3.60% p.a.)

• United Money Market Fund (~3.60% p.a.)

^ These funds are very similar, so I wouldn’t be too analytical on choosing. Any one of them is fine.

As part of their promotion, new users will earn 6.00% p.a. for 30 days, up to RM30,000.

If the annual returns from your first selected Moomoo Cash Plus fund fall below 6% p.a., Moomoowill top up the difference up to 30 days in the form of cash coupons, limited to a subscription of RM30,000.

✅ Earn profit daily

✅ Shariah compliant

✅ Deposit/withdraw in 2-3 business days

❌ Confusing deposit/withdraw process

❌ Not insured by PIDM.

I find the deposit process quite complex. You can refer here: https://www.moomoo.com/my/invest/cash-plus

🎁 Referral Link (Up to RM2,000 in rewards): https://j.moomoo.com/0y2980

5. Boost Bank (3.30-4.00% p.a.)

Boost Bank’s earning rate is decent, but it is quite confusing. The app has “Savings Jars” with specific requirements. If you meet those requirements, you’ll earn a bonus rate.

• Main Account: 2.50% p.a.

• Unlimited Jar: 3.30% p.a. (Unlimited amount, only requirement is to open and activate this jar)

✅ Earn interest daily

✅ Deposit/withdraw instantly

✅ Protected by PIDM

❌ Not Shariah-compliant

❌ Earnings rate is quite complex

Learn more: https://myboostbank.co/

6. Touch n’ GO+ (3.03% pa)

GO+ offers flexibility and pays daily profit based on the balance in your account at the end of each day.

It will not affect your e-wallet payments. Whenever you make a deposit or transfer, the funds will automatically be added or deducted from your GO+ account.

✅ Earn profit daily.

✅ Shariah compliant.

✅ Deposit/withdraw instantly with DuitNow.

❌ Maximum deposit limit of RM20,000.💡

❌ Not insured by PIDM.

💡 You’ll still earn daily profit beyond this limit, but you won’t be able to deposit more funds.

⚠️ As of 2nd December, TNG is in deep trouble after a user complained that his account got suspended for no reason. Because of this, many users are withdrawing money from their GO+ accounts. Read more here.

7. ASB & ASM (4-6% pa)

Amanah Saham Bumiputera (ASB) and Amanah Saham Malaysia (ASM) are unit trust funds managed by Amanah Saham Nasional Berhad (ANSB).

The funds are always fixed at RM1.00 per unit, giving you the flexibility to plan your investments without worrying about market volatility or price swings.

Unfortunately, ASB is only available for Bumis. For non-Bumis, ASM is the next alternative, but the units are limited and often hard to purchase.

✅ Shariah compliant.

✅ Stable, consistent returns.

✅ Deposit/withdraw in 1-2 business days.

❌ Limited units for non-bumis (ASM).

❌ Profit payout occurs once a year.

❌ Not insured by PIDM.

Explore more: https://thefuturizts.beehiiv.com/p/asb-asm-asnb-can-malaysians-invest

Thanks for reading!

I break down exactly how I structure my savings & investments in our WhatsApp membership (550+ members).

It’s a paid group (RM4/month) where I share the actual numbers and decisions I don’t post publicly.

If you want to be more informed than 99% of people, check it out here: https://wa.link/6oz7rz

DISCLAIMER: Investing in cash apps or unit trusts has its own risks as they are different from opening a deposit account with a financial institution. You should speak with a financial planner before making any investing decisions. ⚠️