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Simply no lock-in periods. With Versa, you can duit your way.


Malaysians’ Solution to Easier and Faster Digital Cash Management

Earn up to 2.46%* per annum.
Earn interest daily.
Start saving from as low as RM1.
Withdraw anytime with no penalties.
100% online, secure and low-risk.
Versa does not charge sales charges, transfer and exit fees.

How It Works

Create An Account

Create and verify your account via e-KYC.

Make A Deposit

Deposit any amount starting from as low as RM1.

Watch Your Earnings Grow

Earn interest daily. It’s that simple!

“Our partnership with Versa will provide a solution for investors to diversify their investments and maximise the potential of their cash reserves in their portfolio”

Dato’ Teng Chee Wai
Managing Director, Affin Hwang Asset Management

Versa invests your money in Affin Hwang Enhanced Deposit Fund.

Affin Hwang Enhanced Deposit Fund Performance

RM 1.04bil

Affin Hwang EDF Fund Size

2.46% p.a.

Returns for 2020

Very Low

Affin Hwang EDF Risk Rating

Star Rating

Easy and convenient to use.

Information is displayed clearly and easy to understand. It’s nice to see the money deposited steadily growing over time.

August 7, 2021 by Ridzuan M.

Star Rating

The app is user friendly.

…and information clearly illustrated or shown. Good tips and information for reading and easy to understand.

July 20, 2021 by Raymond Y.

Star Rating

Good cash management platform.

I’m able invest in money market funds easily. If you want to withdraw your money, the process is very fast. Tq versa

July 20, 2021 by Naga M.

Star Rating

Good alternative than banks!

Been deposited some money inside, and it does grow day by day, and available for withdrawal anytime. Recommend for whose has temporarily idle cash, as interest is compounded daily, definitely a good alternative platform than bank saving acc…

February 24, 2021 by JL Yee

Star Rating

Great introduction to easy investment

Been using it for a while instead of using fixed deposits. Great to use so far with easy to understand navigation and flexi returns. Looking forward for more features to come.

February 25, 2021 by Vicky C.

Star Rating

Best way to earn daily interest so far!

Easy way to earn decent interest with no lock in like FD. Definitely a very good alternative to have.

February 22, 2021 by Guantat

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Frequently Asked Questions

What are the fees & charges

You do not pay any fees to Versa. However, there are 0.30% per annum management fees and 0.05% per annum trustee fee.

Learn more about the fees here

Is Versa's Digital Cash Management Shariah Compliant?

Versa’s fund is not shariah compliant. Currently, Versa only allows investments into one money market fund, Affin Hwang Enhanced Deposit Fund.

Is Versa PIDM Protected?

Money market funds are not protected by PIDM. However, the Versa Fund places / diversifies our customer’s funds in multiple short term deposits of multiple Malaysian banks. In an unlikely case that one bank were to go under, it would only slightly affect the return of the fund.

Who can open a Digital Cash Management account with Versa?

To open a Versa account, you must be a Malaysian citizen, 18 years old and above with an NRIC/MyKad. MY Permanent residents are not eligible to sign-up a Versa account.

What makes Versa one of the best Digital Cash Management Solution providers in Malaysia?

Investing with Versa means choosing lower risks with potentially higher returns. Versa invests in a specific Money Market Fund called the Affin Hwang’s Enhanced Deposit Fund which only invests in low-risk assets – short term deposits in multiple Malaysian banks. Next, Versa lets you make the most out of your money. Unlike Fixed Deposits which only offers basic interest, Versa offers interest that is compounded daily. Finally, you can make on the spot decisions with Versa. With Versa, you can withdraw anytime with all the interest earned and expect your money to be in your bank account within the next day* – with no penalties!

*Learn more about deposit & withdrawals here.