In 2026, keeping your money in a traditional savings account is almost like losing it. With high-yield options now offering 3% to 4% p.a. with the flexibility to withdraw anytime, the old "Fixed Deposit" lock-in periods are becoming a thing of the past.
If you’re looking to park your emergency fund or your child’s savings, here is a breakdown of the best "parking spots" for your Ringgit based on my personal portfolio.
🏆 The High-Performers (3.8% - 4.0% PA)
If you want the highest returns without locking your money, these three are currently leading the pack:
1. KDI SAVE – The Family Choice (4.0% PA)
Rate: 4.0% p.a. (for the first RM50,000).
Best Feature: Daily dividend payout and no management fees.
My Strategy: I keep RM500 here as a dedicated savings pot for my son. It’s a great "set and forget" tool for long-term compounding.
2. Ryt Bank – The "Active" Saver (4.0% PA)
Rate: Up to 4.0% p.a. on balances up to RM20,000.
The Catch: You need to be active. You must collect 5 stamps every 30 days (1 stamp per transaction of min RM10) to unlock the bonus rate.
My Strategy: Use it for your daily expenses (coffee, groceries) to unlock the high rate on your stagnant savings.
3. ATLAS by Bank Muamalat – The Hidden Gem (3.88% PA)
Rate: 3.88% p.a.
Best Feature: Daily dividend payout.
My Strategy: I currently have RM1,500 here, but the goal is to max this out to RM8,000 to take full advantage of the daily compounding at a near-4% rate.
⚖️ The Balanced & Flexible Options (3.3% - 3.6% PA)
These options are great for general emergency funds because they are incredibly easy to access.
4. TNG Go+ & Go Save (3.03% - 3.64% PA)
Rates: Go+ is at 3.03%, while Go Save offers a higher 3.64%.
Pros: Instant liquidity. You can use Go+ balance to pay for tolls or QR scans immediately.
Cons: Go+ returns are lower than competitors like Versa or KDI.
5. Versa Cash (3.47% PA)
Rate: 3.47% p.a. (as of Dec 2025/Jan 2026).
Note: This is a Money Market Fund (MMF), so the rate fluctuates monthly based on fund performance. Dividends are paid monthly.
My Strategy: I recently withdrew RM699 because I hit the RM10k cap for their "Quest" bonus. If you aren't earning the bonus, it might be better to move the excess to KDI or ATLAS.
6. Boost Bank (3.3% PA)
Rate: 3.3% p.a. paid daily.
Best Feature: The "Savings Jar" system makes it very easy to organize your money for different goals (Travel, Car, Emergency).
📊 Summary Comparison Table
| Platform | Rate (PA) | Payout Frequency | Flexibility |
| KDI Save | 4.00% | Daily | High (T+1/T+2) |
| Ryt Bank | 4.00%* | Daily | High (Instant) |
| ATLAS Muamalat | 3.88% | Daily | High (Instant) |
| TNG Go Save | 3.64% | Daily | High (Instant) |
| Versa Cash | 3.47% | Monthly | Medium (T+1/T+2) |
| Boost Bank | 3.30% | Daily | High (Instant) |
| TNG Go+ | 3.03% | Daily | Highest (Direct Spend) |
| *Requires 5 stamps monthly |
💡 Final Thoughts: My "Lazy" Strategy
If you have RM10,000 extra today:
Put RM8,000 into ATLAS (3.88%) to max out the high daily payout.
Put the remaining RM2,000 into KDI Save (4.0%) or Ryt Bank (if you're an active spender).
Keep your "petty cash" in TNG Go+ for convenience, but don't leave too much there as the rate is the lowest among the group.