GXBank Malaysia

Save in MYR. Spend with your GX Card.

A Malaysian savings account with daily interest, DuitNow QR and a linked Mastercard debit card. See what it costs to use the card in Singapore.

Malaysia · Malaysian citizens · 18+

Main account: 2.00% p.a., credited daily. No ongoing minimum balance or lock-in.
Savings Pockets: Standard Savings Pockets earn the same 2.00% p.a. Bonus Pocket has separate terms and an early withdrawal forfeits the bonus interest.
Local payments: Scan DuitNow QR at participating merchants. GXBank lists no fee for DuitNow transfers.

Physical card: RM12 to issue or replace. No annual fee.
Foreign-currency card spend: Mastercard converts the purchase into MYR. GXBank’s 1.2% fee is waived through 31 Dec 2026, unless the bank changes the date with notice.
Malaysia ATM: Free at bank-operated MEPS ATMs. RM1 at white-label MEPS ATMs.
Overseas ATM: GXBank waives its RM8 fee through 31 Dec 2026, unless the bank changes the date with notice. ATM operators can charge separately.
Overseas cashback promotion: 1% uncapped on eligible overseas in-store purchases with the physical GX Card through 31 Dec 2026.

Who can apply: Malaysian citizens aged 18+ with a Malaysia-registered mobile number and an account at another Malaysian bank. Existing GX savings account holders cannot open another GX Account.
Initial deposit: Transfer at least RM20 from your own account at another Malaysian bank within 30 days of opening to activate GX Account.

Eligible GXBank deposits are protected by PIDM up to RM250,000 per depositor.

Which balance does the GX Card use?

The card uses your main MYR balance. Move money from a Savings Pocket to the main account before spending it.

Should I select SGD or MYR at a Singapore checkout?

Choose SGD if you want Mastercard to handle the conversion. Selecting MYR can use the merchant’s own exchange rate.

Checked 5 November 2026 · Provider pricing can change. Confirm the quote in the app before paying.