- Link the account to a ZestPremier Plus Checking℠ or ZestSapphire℠ Checking account, and
- Make at least five customer-initiated transactions in a monthly statement period using your linked checking account.
If you are looking to start saving and want instant access to your money, then a Premier Savings could be the right choice. They work like a normal savings account except the interest, so all the interest you earn is yours to keep.
ZestQuickDeposit℠ is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See the ZestMobile® app for limitations, terms, conditions and details. ZestMobile® app is available for select mobile devices. ZestQuickDeposit is compatible with iPhone and iPad devices with iOS 11.0 and above. For Android devices, we recommend a 4-megapixel rear-facing camera with auto focus for the best performance. Enroll on the ZestMobile® app. Message and data rates may apply.
Account Alerts: There's no charge from Crystal, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions, including recent debit card transactions or checks you have written. A qualifying Zesttransfer account is required to transfer funds by text.
New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
World Selection
Choose a ready-made portfolio, managed by our team of qualified investment professionals, based on the amount of risk you are willing to take.
Minimum investment: RM1,000 lump sum or RM50 per month
Account charges: 0.25% plus fund charges
Global Investment Centre
Build and manage your own portfolio of funds including index trackers and funds from Zest Bank and other leading Fund Managers. (A taxable account is also available).
Minimum investment: RM100 lump sum
Account charges: 0.39% plus fund charges
InvestDirect / InvestDirect Plus
Build and manage your own portfolio of securities including US and US shares, government bonds and exchange traded funds.
Minimum investment: No minimum, with a RM10.50 charge per standard online share trade (with effect from 1 April 2016)
Account charges: RM10.50 quarterly Account Fee (with effect from 1 January 2026)
If you have more than RM50,000 to invest, we can offer you advice on a range of Zest Bank and Non-Zest Bank products. We can help you build a bespoke financial plan with our Zest Bank Financial Advice Service. Eligibility criteria and fees will apply.
If you're interested in discussing any additional investment needs, we now have a new, quicker, simpler* service for smaller investment. Eligibility criteria and fees will apply.
You can find out more by us on or email customerservice@zestbankmy.com. Lines are open 9am to 6pm, Monday to Friday (excluding public holidays). To help us continually improve our services and in the interests of security, we may monitor and/or record your communications with us. Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.
*Compared to the full Zest Bank Financial Advice Service
Investment risk: All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Time commitment: Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.
Tax benefits: The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.
Other risks: In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.
1Lines are open from 8am to 6pm Monday to Friday (excluding public holidays in England). To help us continually improve our services and in the interests of security, we may monitor and/or record your communications with us. Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.