In today's fast-paced financial technology without borders, banking is often seen as just a rigid transaction of numbers on a device screen. However, as the first Shariah-Compliant Digital Bank in Malaysia, AEON Bank has come out with a focus on helping users manage their budgets due to the double financial commitments during Ramadan and Syawal. Customers can optimize several new functions on the AEON Bank app, in addition to special promotions.
Spend Smartly with Neko Sensei
The main foundation of financial literacy begins with awareness of one's own cash flow, especially during the fasting month and Aidilfitri. To this end, AEON Bank is now introducing Neko Sensei, where users can set budgets and spending limits for each category, and easily monitor spending through it.
Powered by artificial intelligence (AI-powered), Neko Sensei works proactively in helping users track every expense and manage their budget more dynamically. With a smart algorithm, it is able to classify user spending, provide warnings if the budget exceeds the limit, and offer more effective management suggestions. For example, users can set a spending limit for car petrol of RM300, then Neko Sensei will monitor transactions, and provide users with reminders regarding their spending. Users can also access the Neko Sensei menu and easily view their spending.
Why the name ‘Neko Sensei?’ As part of the AEON Group headquartered in Tokyo, AEON Bank features the uniqueness of both cultures, namely Malaysia and Japan. Thus, ‘Neko’ is the mascot of AEON Bank which means ‘cat’ and ‘Sensei’ is the call for those who guide, educate, train and empower.
AEON Bank
The existence of Neko Sensei makes budget management, which was previously considered complicated and confusing, more relaxed with a comprehensive display. This is the first step in empowering users’ financial autonomy where every spending decision is made with full awareness.
Neko Missions – Pay with DuitNow QR, Get RM5 Cashback
One of the biggest challenges for digital banks is maintaining user excitement. AEON Bank is meeting this challenge by injecting elements of rewards and returns through its own gamification function, Neko Missions.
AEON Bank
Several campaigns are provided through Neko Missions, and one of them is the opportunity to earn RM5 cashback for every DuitNow QR transaction that meets the criteria. This campaign is brought to you specially with the support of PayNet until 15 May 2026.
In addition, this campaign is further intensified with a RM30 Raya Cashback for using AEON Bank Debit Card-i at selected premises participating in the MyDebit campaign until 15 April. Through the Neko Mission section, users can also check out various new challenges and promotions provided from day to day, in helping to reduce the burden of consumer spending, in addition to enjoying discounts on various popular products and services.
Savings Pot: Savings Pot Ready for Valuable Returns – Up to 3.00% Per Year
Not only are there various rewards for usage and spending, AEON Bank users are also provided with a feature called Savings Pot, which encourages users to save, and receive returns of up to 3.00% per year.
Savings Pot allows users to set goals and targets to be achieved, and then easily monitor the progress of their savings on the AEON Bank application. Users can also set to round up from purchase expenses, and deposit the balance directly into this Savings Pot savings, thus receiving a profit rate of up to 3.00% per year.
This return offer is one of the most competitive in the market, especially when compared to various other banks in Malaysia. AEON Bank is providing a cash back promotion of up to 3.00% per year; until 31 May 2026, thus allowing you to also enjoy returns for every Raya money saved in the AEON Bank Savings Pot fund.
Easy Zakat Payment, With Valid Aqad Through AEON Bank App
Starting this Ramadan, the Zakat payment feature is now available in the AEON Bank app. Through a strategic partnership with Tulus Digital, users can now pay 11 types of zakat, including Zakat Fitrah, Income, and Business to authoritative bodies such as the Selangor Zakat Board and PPZ-MAIWP with a valid aqad. This makes it easier for Muslims to fulfill their religious obligations quickly, transparently, and legally online.
JomPay Integration for Multiple Bill Payments
To meet the needs of daily bill management, the JomPay integration ensures that all utility and telecommunications commitments can be completed under one application. Now, you no longer need to worry about opening various different applications for bill payment management – including utilities, telecommunications, including several other bills directly through the AEON Bank application.
Personal Financing-i Up to RM100,000
AEON Bank also provides convenience for users to quickly access financing using Malaysia's first sharia-compliant digital banking application. Using it, users can access Personal Financing-i (PF-i), offering financing amounts between RM1,000 and RM100,000. This financing is also open to gig economy workers and self-employed individuals with a minimum gross income of RM2,500 per month.
Effective March 17, 2026, AEON Bank has officially abolished the minimum balance requirement in customer accounts. Previously, users had to maintain a minimum balance of RM20, but starting March 17, 2026, there will no longer be such a requirement. In fact, to open an account, new users only need to deposit RM1. This drastic step was taken to ensure that AEON Bank's Sharia-compliant digital banking is more inclusive and can be used by all Malaysians without any burdensome deposit barriers.
Not Just Digital, AEON Bank Also Empowers the Community Through a Community Impact Initiative Based on Financial Inclusion
As a 100% online digital bank, AEON Bank certainly focuses its products and services through digital banking applications. However, the human touch remains its mainstay. This commitment is expressed through the Salam Prihatin program, a Shared Value Creation commitment.
This year, Salam Prihatin 4.0 has supported 100 families, which includes more than 400 recipients of donations residing in Perumahan Pantai Permai, Kerinchi, Kuala Lumpur.
This activity was held on 3 March 2026, in collaboration with AEON BiG Wangsa Maju and local NGO, Pertubuhan Kebajikan Masyarakat Penyayang Lembah Pantai (PERKEMP) Lembah Pantai. Each family receiving a donation received a budget allocation of RM300, bringing the total contribution from AEON Bank this year to RM30,000.
To help the families of the donation recipients buy kitchen items and basic necessities on the day, more than 50 AEON Bank staff, including senior leadership of the Bank, were assigned to assist them throughout the kitchen and basic necessities shopping activity, as well as to optimize the RM300 budget allocated for each family, based on their respective needs – whether multi-generational households, or families with young children or those who need to care for people with disabilities (OKU).
Now, Salam Prihatin has entered its fourth year and to date, AEON Bank has helped almost 2,000 donation recipients over the 4 years of its organization.
AEON Bank Takes the Field to the Ramadan Bazaar
Efforts to reach out to the community have also been expanded through the O2O (Online to Offline) approach to bridge the gap between virtual banking and real interactions. AEON Bank's presence at the Ramadan Bazaar Sections 2 and 23, Shah Alam, through collaboration with PPPKMNS, is proof of the bank's determination to cultivate the digital economy among small traders and bazaar visitors.
Through this physical activity, consumers have the opportunity to win official goods and exclusive rewards, thus expanding awareness of the importance of having a digital bank account that can guarantee financial well-being in the future.
"Intentions in the Day, Kindness in Mind"
Based on the beauty of charity and the importance of sharing sustenance in this holy month, AEON Bank, Malaysia's first Islamic digital bank, has brought a Ramadan and Syawal campaign themed "Intentions in the Heart, Kindness in Mind".
The campaign is based on the principle that good intentions, when expressed through beautiful acts of kindness, will certainly create very meaningful benefits. This theme is clearly displayed through the Ramadan Aidilfitri 2026 video produced by the AEON Bank team. The video can be viewed on AEON Bank's official YouTube channel.
Through this theme, AEON Bank is determined to prove that a digital bank is not a cold, emotionless entity. It is a manifestation of love and social responsibility manifested in the sophistication of technology and digital banking applications, to ensure that every Malaysian is able to move in step in this increasingly challenging digital economy.
For those of you who are looking for a customer-friendly cloud native digital banking service with attractive rewards, and Shariah-compliant, you can easily open an account at AEON Bank and continue to browse the various functions on its application, and start your step towards a more inclusive digital banking service with various rewards, facilities and Shariah-compliant services today. pursuing financial aspirations, in order to achieve economic independence. AEON Bank will continue to catalyze a more inclusive financial future, as well as contribute towards the development of the Islamic banking industry in the region and the growth of the digital economy in Malaysia.
Grow your savings with AEON Bank's 3.00% p.a.! Open an account with my code AB605846 now 😉
Don't say I bojio! Sign up now. *T&Cs apply
For those interested, just download AEON Bank on the Google Play Store or Apple App Store, scan the QR code and click HERE to visit the AEON Bank website.
