The promotional interest rates set out below shall be effective from 16^th June 2026 (“Effective Date”) and shall apply to all existing investments, as well as any new deposits made into KDI Save on or after the Effective Date, subject to the qualifying criterial set out herein (“Promotional Interest Rate”).

These interest rates supersede all previously published or promotional rates applicable to KDI Save.

The Base Interest Rate applicable to KDI Save shall be 2.88% p.a., unless otherwise revised by Kenanga Investment Bank Berhad (“Kenanga”) from time to time.

To qualify for the applicable Promotional Interest Rate, you must maintain a KDI Save account and satisfy the relevant qualifying KDI Invest balance requirements set out herein.

Kenanga may at its sole discretion reject any deposits made. Only a successful deposit or transfer (as the case may be) will entitle you to this promotion. To avoid your deposit being rejected, please make sure that the deposit is made from your personal bank account.

Depositing funds into your KDI Save account from the Effective Date will entitle you to qualify for different tiers of interest rates based on the total amount of investments made into your KDI Save and/or KDI Invest accounts respectively:

* Interest rates are quoted on a per annum (p.a.) basis.

For further information, please refer to the “General KDI Save” tab of the FAQ.

You must maintain the required minimum KDI Invest balance at all times to qualify for the applicable Promotional Interest Rate.

Where you fail to maintain the required minimum KDI Invest balance, the applicable KDI Save balance shall automatically earn the Base Tier interest rate.

The qualifying KDI Invest balance shall be determined based on the higher of your total holdings or aggregate net deposits in eligible KDI Invest portfolios as determined by Kenanga Digital Investing from time to time.

Interest shall be calculated daily based on the end-of-day balance in the customer’s KDI Save account and credited in accordance with KDI Save’s standard interest crediting practices.

Interest rates quoted are on a per annum (“p.a.”) basis.

The following shall apply:

1. balances below RM50,000 that satisfy the minimum RM5,000 KDI Invest balance requirement shall earn Tier 1 Promotional Rate of 3.88% p.a.;
2. balances of RM50,000 and above that satisfy the minimum RM50,000 KDI Invest balance requirement shall earn the Tier 2 Promotional Rate of 3.38% p.a.; and
3. balances that do not satisfy the applicable minimum KDI Invest balance requirement shall earn the Base Tier interest rate of 2.88% p.a.

Kenanga Digital Investing reserves the right to revise, vary or discontinue the Promotional Interest Rates and/or amend the applicable qualifying criteria or tier structure at any time upon providing prior notice in accordance with applicable regulatory requirements.

You may withdraw your investment(s) at any time and there is no withdrawal limit. For investment(s) subject to these interest rates, withdrawals may affect the applicable interest rate tier and qualifying status based on your remaining KDI Save balance and qualifying KDI Invest balance after such withdrawals.

Where your maintain balances are subject to different applicable interest rates, withdrawals may first be applied against balances affecting the lower applicable interest rate before balances attracting higher applicable interest rates, subject always to your continued satisfaction of the applicable qualifying KDI Invest balance requirements.

1. In the event you are found to have committed fraud and/or abuse of the system and/or any other scenario deemed as a violation of the terms stated herein at any point of time, Kenanga reserves the right at its sole discretion to disqualify and to cancel, withdraw, or recall any reward(s) granted. Kenanga shall have the right to initiate any action deemed necessary against you.
2. Kenanga reserves the right to revise or vary the applicable interest rates at any time.
3. All investments come with risks. KDI Save and KDI Invest involve investment risks and may result in the loss of the principal amount invested.   KDI Save is exposed to risks associated with its underlying money market fund investments including exposure to to credit/default risks and interest rate risks, while KDI Invest with its ETF underlying investments may be subject to market risk, price volatility, liquidity risk, foreign exchange risk and other risks associated with the relevant underlying assets.
4. Deposits placed under KDI Save are not protected under Perbadanan Insurans Deposit Malaysia (“PIDM”)
5. Kenanga reserves the right to make changes to these Terms and Conditions at any time.
6. Kenanga reserves the right to make further verifications and request for further personal identification details and documents, as well as the right to disqualify or withdraw your eligibility for the applicable interest rate structure at any time.
7. Kenanga reserves the right to cancel, vary, suspend andor terminate this the applicable interest rate structure at any time, and such cancellation, variation, suspension and/or termination shall not entitle you to claim any compensation from Kenanga for any and all losses or damages suffered or incurred by a you as a result of the said cancellation, extension, suspension or termination.
8. Kenanga shall not be liable for any claim made by you or for third-party claims or losses of any nature, including but not limited to, loss of profits, punitive, indirect, special, incidental, or consequential damages or for other damages and any related claims of any nature, including direct, indirect, third party, consequential or other damages resulting from or in connection with this interest rate structure.
9. In the event of misuse, fraud, manipulation, circumvention or a breach of the terms and conditions of this interest rate structure, Kenanga is entitled to exclude you from participating in this interest rate promotion, on the basis of a suspicion and is not bound to inform you or to provide proof.
10. Kenanga does not take any responsibility in the event you are prevented from participating in this interest rate promotion, as a result of certain technical restrictions or other limitations specific or force majeure which including but not limited to regulatory and/or government directive, act of God etc.
11. This interest rate structure is subject to the personal data and privacy policy and general terms and conditions available on the KDI website (“KDI T&Cs”): Platform Agreement, Account Opening Agreement, Privacy Policy, and Notice and Disclaimer.
12. In the event of any inconsistency between these terms and conditions and any other materials or communications relating to or in connection with this interest rate promotion, these Terms and Conditions shall prevail.