HelloGold SmartSaver is offered to encourage people to save in gold at the lowest daily price over a specific period of time to assist them to reach their desired savings goal.
HelloGold SmartSaver is a simple way of setting your own goal and deciding how fast you want to get there. All you need to do is: Select your desired goal; and Commit to a monthly amount of money you would like to save. Each time you add funds to your SmartSaver account, HelloGold will buy […]
There is a fixed term of 12 months but customers may opt to exit during the duration of the term at no cost.
The minimum monthly contribution is RM30.00.
The steps are as follows: Tap on the HelloGold SmartSaver banner on the homepage. Select your savings goal. Enter the amount of your monthly contribution in order to achieve your own goal in the next 12 months. Upon funding your goal, HelloGold will start buying gold on your behalf on the next working day at […]
The steps are as follows: Tap on the your saving goal icon on the homepage. Click on “Fund your goal” from the menu. Enter the amount you wish to fund. Confirm your transaction and you are set to reach the next milestone of your savings goal.
The term shall halt until you make your next payment. In order to achieve your goal in 12 months, we advise you to make your payment promptly before the payment is due. You are able to make payment 7 days prior to the payment due date.
The steps are as follows: Tap on the your saving goal icon on the homepage. Click “Cancel SmartSaver” from the menu. Confirm your cancellation. Enter the OTP which is sent to the phone number you used to register to your HelloGold account. If you have remaining cash and gold balances in your HelloGold SmartSaver account, […]
In order to sell, send or redeem the gold in your SmartSaver account, you will need to either wait until the term is completed or cancel your HelloGold SmartSaver account. Upon completion or cancellation, the gold which was bought in your SmartSaver account shall be automatically transferred to your main HelloGold account. You may then […]
Yes, you may change the amount that you want to save in your SmartSaver account every month. Please note that the funds added to your SmartSaver account cannot be withdrawn unless you cancel or complete the term of your SmartSaver plan.
If you wish to change your goal you may either wait until the term is completed or cancel your existing HelloGold SmartSaver goal and start a new goal.
I just funded RM100 to my HelloGold SmartSaver but I still see 0 gram of gold in my HelloGold SmartSaver account?
The first purchase is made after the end of the working day upon enrolment. However, you must also ensure that your HelloGold SmartSaver account is funded promptly every month in order for the auto-execution of the gold purchase to happen.
Upon executing the first purchase of gold after you have funded your goal, we will send you a notification email. There will not be anymore emails sent during the term until you complete your next funding. You may log in to the app to check the progress of your SmartSaver account.
Right now, you can set up only 1 SmartSaver goal at a time. Should there be any changes to this, we will inform our customers.
We look at the lowest price of the each working day (00:00:00 to 23:59:59) and we commit to executing your purchase at the lowest daily price for your SmartSaver account. Your purchase will be executed between 00:00:00 to 02:00:00 of the following day.
No additional fees will be charged when you set up a HelloGold SmartSaver account. The buy gold transaction fee and administrative fee will remain the same for gold purchased through your SmartSaver account.
Direct Debit is a simple and convenient way to make monthly recurring payments for your SmartSaver goals. With Direct Debit, your monthly contribution will be automatically deducted from your preferred bank account.
A Direct Debit authorises HelloGold to collect payments from your bank account for your SmartSaver monthly contribution when they are due. By completing a Direct Debit e-Mandate set up online, your SmartSaver is funded automatically every month.
Direct Debit is hassle free and saves you time by automatically deducting your monthly contribution so that you don’t miss funding your goal each month. You can just set it up once, sit back and watch your SmartSaver self-fund your goal.
For new SmartSaver subscribers, it is fixed at 11 months. Your first month is manually funded via your HelloGold wallet, Boost or FPX and the remaining 11 months of your SmartSaver goal is funded via Direct Debit. For existing SmartSaver subscribers, the duration of Direct Debit will be the remaining number of months in your […]
The monthly payment date of Direct Debit collection will be the date you set up your Direct Debit e-Mandate. In the event the collection falls on a Public Holiday and weekends, collection will occur on the next working day. New Users Existing Users
For new SmartSaver subscribers, once you have funded the first month manually, you will be prompted to set up Direct Debit for the next 11 months of your goal. For existing SmartSaver subscribers, you can set up Direct Debit for the remaining months of your goal from your SmartSaver dashboard. Please note that you will […]
Your Direct Debit status is ‘Pending’ because it is awaiting approval from your bank. It takes up to 2 working days. Once your application is approved, your ‘Pending’ status will change to ‘Active’. You will be notified via e-mail and through a notification in the app. Please note, you will not be able to Cancel […]
It takes up to 2 working days for your Direct Debit application to be processed by your bank. Once approved, an ‘Active’ status will be shown on your SmartSaver dashboard.
While it is rare, this means that your bank did not approve your Direct Debit application. Please contact your bank for more information.
If your Direct Debit payment fails for a particular month, we will consider your SmartSaver goal for that month as not funded. Your payment cycle will remain the same and not be carried forward. Please ensure you have sufficient funds in your bank account before your monthly deduction date.
Yes, you can cancel your Direct Debit (only when Active) at any time from the SmartSaver dashboard. A cancellation fee of RM1 will be charged from your bank account.
When your Direct Debit duration ends, we will prompt you to set up a new e-Mandate to automate your monthly contributions once you enroll to your next SmartSaver goal.
If you Cancel your SmartSaver while your Direct Debit is Active, your Direct Debit will also be voided in the process of cancelling your SmartSaver. A cancellation fee of RM1 will be charged from your bank account for this request.
No, you can’t. When Direct Debit is Active, you will not be able to fund your SmartSaver manually. In order to do so, subscription to Direct Debit needs to be cancelled first.
No, you can’t. When your Direct Debit status is Pending/Active, you are not allowed to fund your goal manually as this will alter your SmartSaver and Direct Debit due date, payment date and duration.
No. When Direct Debit is Active, we will only deduct the amount you agreed to when you initially set up Direct Debit.
Upon completion of the saving term, the amount of gold bought shall be automatically transferred to your main HelloGold account.
Direct Debit e-Mandate registration: RM1 (immediately refunded to your HelloGold main account once your Direct Debit application is successful) Monthly transaction fee: RM1 Cancellation fee: RM1
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