Mission 3 · First cash-in
Versa Cash-i vs Versa Cash
The real difference between Cash-i and Cash - Shariah status, base nett return, cut-off, cash-out time, fees, trustee and fund size - with a check date for every figure.
Quick answer
- Cash-i is Shariah-compliant and can reach your bank the same day if requested before 10am on a business day.
- Cash is conventional, usually with a slightly higher base rate, cash out T+1.
- Both are low risk, RM10 minimum, not a bank, and no PIDM.
What you need
- Know whether Shariah compliance is compulsory for you
- Know how quickly you might need the money
Comparison table
All figures below are pulled straight from this site’s checked data. Tap an underlined value for the date and source.
| Versa Cash-i | Versa Cash | |
|---|---|---|
| Shariah | Yes | No (conventional) |
| Underlying fund | AHAM Aiiman Enhanced-i Profit Fund | AHAM Enhanced Deposit Fund |
| Base nett return | Versa Cash-i base nett return: 3.18% p.a.For August 2026. | Versa Cash base nett return: 3.46% p.a.For August 2026. |
| Cut-off | Versa Cash-i cut-off: 10:00 AM on business days | Versa Cash and Invest cut-off: 3:00 PM on business days |
| Cash-out to bank | Versa Cash-i cash-out: same day (T) if requested before 10:00 AM on a business day | Versa Cash cash-out: T+1 business day |
| Annual fees | Versa Cash-i fees: management 0.50%, trustee 0.02% a year | Versa Cash fees: management 0.30%, trustee 0.05% a year |
| Trustee | Deutsche Trustees Malaysia Berhad | HSBC (Malaysia) Trustee Berhad |
| Fund size | Versa Cash-i fund size: RM62.7 millionFor January 2025. | Versa Cash fund size: RM1.9 billionFor January 2025. |
| Minimum | RM10 | RM10 |
Tap an underlined value for its check date and official source.
Differences you actually feel in real life
1. Shariah. Cash-i invests in Islamic money market instruments through the AHAM Aiiman Enhanced-i Profit Fund. Cash invests in fixed deposits spread across Malaysian banks through the AHAM Enhanced Deposit Fund. If Shariah compliance is compulsory for you, the choice is clear.
2. Withdrawal speed. This is the difference most people actually feel. Cash-i: Versa Cash-i cash-out: same day (T) if requested before 10:00 AM on a business day. Cash: Versa Cash cash-out: T+1 business day. In June 2026, Daus withdrew RM60,000 from Cash-i before 10am, and the money hit his bank the same day.
3. Rate. Base nett return June 2026: Cash Versa Cash base nett return: 3.46% p.a.For August 2026. , Cash-i Versa Cash-i base nett return: 3.18% p.a.For August 2026. . This rate changes every month, and the gap between them changes too. The app shows “Base Nett Return for” that month under the Product Information tab.
4. Cash-in cut-off. Cash-i Versa Cash-i cut-off: 10:00 AM on business days, Cash Versa Cash and Invest cut-off: 3:00 PM on business days. Auto Save into Cash-i also takes a day longer to hit the fund because of the 10am cut-off.
Quest: where the reward lands
Booster quest rewards go into Which fund receives quest rewards: Versa Cash or Cash-i, whichever has the higher balance on the last day of the month. If your balances are equal, Versa Cash becomes the default. So if you hold both, the reward follows whichever balance is bigger on the last day of the month.
Is the small difference worth it?
A simple example: a 0.39% a year difference on RM10,000 works out to about RM39 a year, or RM3.25 a month. For some people, withdrawing the same day is worth more than RM3 a month. For others, that RM39 matters. Neither answer is wrong.
If you want to see what quests actually do to your own balance, use this calculator. It separates the base return from the booster so you can see the ceiling for each quest.
How much do quests actually pay?
Enter your balance and pick the quests you joined. The calculator separates the base return from each booster so you can see every cap.
Total a month
RM52.17
Effective rate on your balance: 6.26% p.a.
a year: RM626.00
Base nett return for August 2026.
Boosters only count days when your Versa Cash or Cash-i balance is RM1,000 or more.
Illustration only. Base rates change monthly and quests have conditions. Not guaranteed.
Honest downside
- Cash-i: the base rate is usually lower than Cash. Booster quests can close that gap, but only if you actually complete the quest (Auto Save, keep RM1,000).
- Cash: cash out doesn’t land same day. If you’re the type who needs money urgently, T+1 can feel slow, especially if you request on a Friday evening.
- Both: not a bank deposit, no PIDM, and the rate isn’t guaranteed.
Can you hold both?
Yes. Some people keep their emergency fund in Cash-i (for the fast withdrawal) and medium-term savings in Cash (for the rate). Switching from Cash to Cash-i takes Switch Versa Cash to Cash-i: T+3 business days.
Common questions on this topic
Is the return guaranteed?
No. For Cash/Cash-i, the rate moves slightly every month (for example 3.18% for Cash-i and 3.46% p.a. for Cash in August 2026). For Invest, the unit value can go down.
Source: versa.com.my/save ↗
What's the difference between Versa Cash and Cash-i?
Cash-i is Shariah-compliant (AHAM Aiiman fund), same-day Cash Out before 10am, trustee is Deutsche. Cash is conventional (AHAM Enhanced Deposit), T+1 Cash Out, and its base rate is usually a bit higher.
Source: versa.com.my/save ↗
Is Versa Income-i the same as Cash-i?
No. Income-i is a mixed fund of sukuk and shares, so its value can drop. Cash-i is a money market fund, low risk.
Source: versa.com.my/versa-income-i ↗
No Versa yet? Sign up with code VDAUSDK
Sign up with code VDAUSDK, get verified, and make a first cash-in of RM100 or more in one transaction. RM10 is credited as units within 30 business days. Later top-ups do not count.
Daus earns a referral commission when you sign up with this code or link and make your first cash-in. It costs you nothing extra; your RM10 reward comes from Versa under their T&C. Not financial advice.
Past returns do not guarantee future returns. Unit prices can go down. Not financial advice.