Be honest, when the Duit Raya starts rolling in, how much do you actually save instead of spending it all by day three?
Between new outfits, petrol for balik kampung, and stuffing yourself silly at open houses, it’s waaay too easy to spend without realising, and that’s before the post-Raya splurges on new phones, last-minute getaways, or “reward yourself” shopping sprees kick in.
One minute you’re rich with green packets, next thing you know… poof, it’s gone.
But what if this year, you did something different?
Instead of letting your Duit Raya “lesap” into thin air, how about using it to kickstart a goal you’ve been putting off, like saving for a dream holiday, a new gadget, or even just a proper emergency fund?
That’s where Tabung in the MAE app by Maybank comes in, the tool that makes saving not only easier, but actually doable (yes, even if you’ve never been “good” at saving).
So what is Tabung, and why does it matter?
We get it, saving money can feel overwhelming, especially after spending like there’s no tomorrow during Raya. But Tabung was designed to meet you where you’re at.
Whether you’re a careful planner or a “spend first, think later” type, Tabung is your digital piggy bank in the MAE app. It helps you save towards any goal, big or small, with features that do the heavy lifting for you.
Here’s how Tabung helps you get back on track, effortlessly
1. Save solo or as a team
Maybe you’re saving up for your next solo trip. Or maybe your group chat has been talking about a road trip for months but no one’s taken action.
With Tabung, you can start saving individually or invite friends and family to join a Group Tabung, making it easier to hit shared goals together.
2. Automate it with Auto-Deduction
Let’s be real, saving manually is tough. You either forget, or something else “urgent” comes up.
Tabung’s Auto-Deduction takes care of that by automatically saving a fixed amount on a schedule you set. No guilt, no excuses.
3. Spend and save at the same time with Spare Change Booster
Now here’s a twist: you can actually save more when you spend.
Remember when you used to drop loose change into a tin can to save up for something you really wanted?
Spare Change works the same way but automatically, and way cooler.
Whenever you make a Scan & Pay transaction, this Booster rounds up your total to the nearest ringgit and transfers the balance into your Tabung. It’s subtle, seamless, and adds up fast.
Example:
Aina activates the Spare Change Booster for her “New Laptop” Tabung. She pays RM13.40 for her café order. The Booster rounds up the transaction to RM14, and the extra RM0.60 gets added to her Tabung instantly, no extra steps, no extra effort.
Perfect for:
- People who love low-effort saving
- Anyone who wants to save without changing their spending habits
- That friend who’s always like “I’ll start saving next month”
4. Use other Boosters to level up your savings game
Besides Spare Change, Tabung offers 2 more Boosters; Scan & Save and Guilty Pleasure
Scan & Save – Turn discounts into deposits
You love a good deal and now your Tabung can love it too. With Scan & Save, whenever you use a promo code while paying via Scan & Pay in the MAE app, the amount you save is automatically added to your Tabung.
Example:
Farah scores a 15% discount on a RM200 purchase at her favourite clothing store. She still pays RM200, but Tabung transfers that RM30 discount into her “Bali Trip” Tabung. Her reward for being a smart spender? Closer to the beach.
Perfect for:
– Promo hunters
– Budget-savvy queens and kings
– Anyone who wants their savings to match their spending habits
Guilty Pleasure – Save every time you overspend
We all have that one weakness, tech gadgets, boba, sneakers… you name it. Guilty Pleasure helps you turn those little “oops” moments into small wins.
Just set a daily spending limit for a category (like Shopping or Food), and choose how much you want to save if you go over.
Example:
Kevin knows he tends to overspend on food, especially when he’s feeling stressed after work. So, he activates the Guilty Pleasure Booster for his “Emergency Fund” Tabung.
He sets a daily spending limit of RM40 for the Food & Drinks category, and decides that RM10 will be added to his Tabung whenever he crosses that limit.
A few days later, Kevin treats himself to sushi and boba after a long day, the total comes up to RM58. Because he exceeded his RM40 limit, RM10 (which he had set as the funding amount) is automatically transferred into his Tabung.
No budgeting apps. No spreadsheets. Just sushi, boba, and a savings boost in the background. Guilt? Minimal. Savings? Maximum.
Perfect for:
– Impulse spenders
– Foodies
– Anyone who wants to save while enjoying life
These features make saving feel less like a chore and more like unlocking levels in a game, especially for those who need a little motivation.
5. All this, with zero hassle
The best part? Everything happens right inside the MAE app. No need for spreadsheets, calculators, or confusing bank forms. Just open the app, tap a few buttons, and you’re set.
You’ll even get push notifications from the MAE app every time money from your Boosters gets added to your Tabung, so you can watch your savings grow in real time.
From Duit Raya to Dream Goals, Your Savings Journey Starts Here
This Raya, instead of watching your Duit Raya vanish into random spending, why not flip the script?
You could:
- Pool RM50 with your siblings into a Group Tabung for a year-end holiday
- Use Auto-Deduction to quietly save up for that phone you’ve been eyeing
- Let Spare Change Booster sneakily build up your emergency fund
Small steps. Big goals. Less stress.
TL;DR: Saving is hard — Tabung makes it easy
Most of us struggle with saving, and that’s totally normal. But with Tabung’s smart features, from Auto-Deduction to Boosters, you don’t need to change your whole lifestyle to get started. The MAE app helps you build a healthy habit with minimal effort.
So before your Duit Raya completely disappears, put it towards something you’ll actually remember: your next adventure, your future comfort, your peace of mind. Learn more and start your Tabung today here!
