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KDI Save review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

KDI Save suits savers in Malaysia who want a cash management balance that pays a fixed return with no lock-in. Its overall score of 3.9 reflects a straightforward account from Kenanga Investment Bank Berhad, with support over email, phone and help centre and a MYR 100 opening deposit.

Key facts

Best for
Parking ringgit cash in a fixed-rate balance you can draw on at any time.
Headline rate
2.88% to 3.88%↗
Rate type
Fixed↗
Minimum deposit
MYR 100↗
Access terms
No lock-in, withdraw anytime without charges, credited in 1-2 working days, daily returns↗
Monthly fee
MYR 0↗
Account kind
Cash management↗
Legal entity
Kenanga Investment Bank Berhad↗
Headquarters
Malaysia↗
Support channels
Email, Phone, Help-centre, Community↗
Pricing model
No monthly fee, Fixed rate
Official website
digitalinvesting.com.my

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No lock-in, so you can withdraw at any time without charges, with returns credited daily
  • A MYR 100 minimum deposit keeps the entry point modest
  • Licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007 and run by Kenanga Investment Bank Berhad

Cons

  • The MYR 100 opening deposit sits well above the €0.17 minimum across savings accounts
  • The fixed rate holds the return in place rather than following the variable rates common among cash management accounts
KDI Save

Ready to try KDI Save?

Scored 9.0 / 10 by VaultCue.

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Who it suits

  • Savers in Malaysia who want a fixed return on cash they can reach at any time
  • People who can start with a MYR 100 opening deposit and let the balance earn daily
  • Customers who want support over email, phone and help centre and a named bank behind the balance

Who should look elsewhere

  • AXI Card Tarjeta y Credito, listed at 21.59%, for readers shopping purely on the top rate
  • PayPal Colombia at 3.3%, for anyone who wants a higher headline return than the 2.88% to 3.88% range here
  • Plazo ES at 24.19%, for readers who want the highest headline rate on the list rather than a bank cash-management balance

Rates and terms

KDI Save pays a fixed rate, with a headline return of 2.88% to 3.88%. Because the rate is fixed, the return on the balance holds in place rather than moving with market rates. There is no lock-in either, so you can withdraw at any time without charges, and returns are credited daily as the balance sits.

Who runs it

KDI Save is run by Kenanga Investment Bank Berhad, which is based in Malaysia. The account is licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007. Help runs over email, phone and help centre, so you can pick a phone call, an email, the help centre or the community.

How KDI Save compares

Where KDI Save is available

Available
Malaysia
Licence in Malaysia
Securities Commission of Malaysia (eCMSL/A0008/2007), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does KDI Save charge a monthly fee?+

The monthly fee is MYR 0, and the account is sold on a no monthly fee model, so there is nothing to pay each month for keeping the balance open. Nothing in the access terms adds a charge for taking the money out either.

Who regulates KDI Save?+

The account is licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007, and it is operated by Kenanga Investment Bank Berhad, a Malaysian bank. Keep the licence reference handy for your own records when you open the account.

How quickly can I get my money out?+

There is no lock-in, so you can withdraw at any time without charges and take the MYR 100 opening deposit back with you. Returns are credited daily, and withdrawals reach your account in a short window rather than at the end of a fixed term.

What rate does the account pay?+

KDI Save pays a fixed rate, and the headline return runs 2.88% to 3.88%. A fixed rate means the return on the balance is held in place for the life of the account, so it does not move up or down with the wider market.

How much do I need to open the account?+

The minimum deposit is MYR 100, which sits above the €0.17 minimum across savings accounts on the site. It is still a modest entry point for anyone who wants a bank-run balance rather than a large commitment.

How do I get help?+

Support runs over email, phone and help centre, so you can pick a phone call, an email, the help centre or the community depending on the question. The help centre suits anyone who would rather read the answer on their own time than wait on a line.

Is this a savings account or a cash management account?+

It is listed as cash management, and it works like one: no lock-in, daily returns and a MYR 100 opening deposit. Readers who want their money committed for a fixed term would be better served by a fixed-rate bond instead.

Who can open an account?+

KDI Save is a Malaysian product, with the provider based in Malaysia and licensed by the Securities Commission of Malaysia. That makes it a natural fit for savers who bank in Malaysia and want a fixed return on everyday cash.

Sources

  • digitalinvesting.com.my checked September 26, 2026

    Backs: Support channels

    “FAQ ... Support Email digitalinvesting@kenanga.com.my ... Support Helpline 1800-81-9228”

  • digitalinvesting.com.my/about checked September 26, 2026

    Backs: Headquarters

    “Known as Malaysia's leading independent investment bank with over 47 years of experience, KIBB provides equity broking, investment banking, treasury, Islamic banking, listed derivatives, investment...”

  • digitalinvesting.com.my/pricing checked September 26, 2026

    Backs: Pricing model

    “KDI Save Pricing (Yes it's Free) Amount invested in KDI Save Any amount - Annual Management Fees 0.00% - Expense Ratio 0.00%”

  • digitalinvesting.com.my/save checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Legal entity, Minimum deposit, Monthly fee, Rate type, Licences

    “You can withdraw anytime without any charges. Your withdrawal will be reflected in your bank account within 1 - 2 working days.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

KDI Save

KDI Save

Parking ringgit cash in a fixed-rate balance you can draw on at any time.

9.0/10See alternatives