Bank Simpanan Nasional’s (BSN) Sijil Simpanan Premium (SSP)

Bank Simpanan Nasional or better known as BSN is an organisation that was incorporated to replace the Post Office Savings Bank, back in the old days. BSN was incorporated under the Ministry of Finance.

Talking about BSN, a product that the Malaysian public is really familiar with is Bank Simpanan Nasional’s (BSN) Sijil Simpanan Premium (SSP).

Sijil Simpanan Premium (SSP) is a certificate-based savings product. That means, to save money under the Sijil Simpanan Premium (SSP) program, you’ll have to purchase the certificates in multiples of RM10.00.

The main attraction of Sijil Simpanan Premium (SSP) is that by joining, you’ll automatically be in the draw to win many prizes. It works like a lucky draw. i.e. every month, names will be drawn and prizes will be given out.

For balances of over RM2,000.00, dividends will also be distributed. However, I’m not too sure of the dividend rates of Sijil Simpanan Premium (SSP).

Below are some of the features of Sijil Simpanan Premium (SSP):

  1. Minimum savings amount is RM10 (1 unit of certificate). No maximum. Further certificates can be purchased in multiples of RM10.
  2. Savings are guaranteed by the Malaysian Government.
  3. Sijil Simpanan Premium (SSP) can be purchased through all Bank Simpanan Nasional (BSN) branches and also through ATM machines.
  4. You’ll be in the draw to win prizes like cars and other luxury items. All prizes are exempted from income tax. List of prizes can be found here.
  5. Malaysian citizens, permanent residents, or foreigners with permanent address are allowed to participate.
  6. You need to be over 12 years of age to participate.
  7. Dividends may entail your Sijil Simpanan Premium (SSP), provided that your balance is over RM2,000.00, and is at the discretion of Bank Simpanan Nasional (BSN). For further information and conditions of the dividend payments, refer to Bank Simpanan Nasional’s (BSN) website here.

Please refer to the Bank Simpanan Nasional’s (BSN) website or walk into one of their branches to learn further about Sijil Simpanan Premium (SSP).

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Disclaimer: This article is not a specific nor general advice on managing or investing your money. This article does not constitute a recommendation nor does it take into account your investment objectives, financial situation nor particular needs.

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- Understanding Unit Trust
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About nadlique

This blog is about the journey of a 28-year-old Malaysian towards financial freedom. This blog was started back when the blogger was 21 years old. However, his journey towards financial freedom had begun way before that. Materials such as investing, business, entrepreneurship, equities, and real estate are presented. The author also posts his thoughts and observations on life in general.

Comments

  1. kadar dividen dia berapa, kalau ikut past years?

    tak tau pula yg dia kasi dividen untuk rm 2000 ke atas sahaja

  2. Try google pun tak jumpa-jumpa untuk kadar dividen utk past years. Kat website dia org sendiri pun takde.

    Tadi baru baca laporan kewangan BSN untuk 2007. Dia kata jumlah dividen SSP yg perlu dibayar ialah sebanyak RM3,000,000 untuk 2007. Tapi tak tulis pulak berapa banyak jumlah wang yg terikat dgn SSP. Kalau tak, boleh lah agak-agak.

  3. nak tahu mengenai AMANAH SAHAM BSN.
    bolahkah beri sedikit maklumat tentang saham ini?

  4. sheh siow ching says:

    where can i check the monthly winning result? on web?

  5. macamana nak semak result SSP yang lepas2

  6. @Sheryna

    Saya tak berapa biasa sgt dgn Amanah Saham BSN. Mungkin pembaca yg lain boleh beri pandangan?

    @sheh siow ching

    Don’t quote me on this but I think they do release the results in the papers. Anyway, if you do win a prize, I’m sure BSN will contact you personally.

    @kimi

    Maaf, saya pun tak berapa pasti.

  7. salam,anybody tau tak cara nak check jumlah dividen kiter secara on line???????????wthout pegi post ofis or asnb ofis?????????

  8. asssalamualaikum..muslim/mat..
    dah hampir 22 tahun (1987) join ssp…..satu hadiah pun tak dapat…….macamana nak menang yee… last year hampir 15k beli ssp…tak menang jugak.
    nak tahu jugak berapa bonus and dividen bsn kasi ? nampaknya klu tak menang cabutan utk feb and mar tahun ini… i rasa i nak resignlah dari ssp..
    terpaksa berhutang nampaknya beli kereta mpv proton..and sorry x dapat support ssp lagi..harap menang cabutan kali ini….

  9. W’salam.

    Mak saya pun dah berapa puluh tahun masuk SSP, masih tak menang apa-apa.

    Saya rasa takde bezanya letak berapa puluh ribu pun dgn letak RM10 je. Dulu ada org tu menang mercedes walaupun dia letak sikit je. Nasib je.

    Itu lah saya rasa, baik duit banyak banyak tu letak kat ASB. Lagi baik.

  10. @hidayah

    dividen ape tu hidayah? SSP?

  11. nasibla orang masuk rm 10 dapat masuk rm100000 tak dapat nama pun cabutan bertuah.

  12. SSP macam tunggu buah durian plastik bila masa nak gugur adeh!!!!!

  13. zaidi says:

    abg aku baru join dlm beberapa bulan lepas, dpt hp nokia free… aku pun nak join jugak.. lagi satu, SSP ni dijamin kerajaan, kalau ape2 jd, duit x lesap.. kalau simpan kat bank2 tempatan lain, duit x dijamin.. x caya pegi check.

    • Duit tu memang tak lesap. Tapi kena ingat, dlm tu takde dapat ape pun (e.g. dividen). Lama kelamaan, nilai duit tu akan jatuh.

  14. SSP ni kira nasib. Sepupu aku, masuk RM500, tak sampai 3 bulan dah menang Mercedes E340. Dia jual balik dapat RM260000.

    Tapi aku masuk beribu bertahun-tahun satu apa pun tak ada. So kalau nak harap kat nasib, masuklah..

    Dividen dia ciput je.. ada setahun tu check, dividen dia bagi 0.5% hingga 1% je. Lagi baik masuk ASB atau unit trust.

  15. JO JAMBOL says:

    MEMANG BETUL CAKAP KAU ORANG MENGHABIHKAN BOREHH AJOO JOINT SSP. SATU LAGI YANG EDEN TAK PUEHH ATI CABUTAN DIO TU MACAM MENIPUUU PULAK GUNO KOMPUTOOR… KAUM KERABAT DIO ORANG GAK YANG UNTUNGGG…. DAHLAH MARI KITA MELABUR DI TEMPAT YANG LEBIH BANYAK UNTUMG DI ASB KORRR ASN KOORR PANDAI KAU ORANG LAHHHH….DENN CAWWW DULU.

  16. sahar bin taip says:

    Grateful if your management could provide ATM in Tatau, Bintulu. We don’t any bank facilities there. The distance between Tatau and Bintulu is 61KM. To operate branch unit is expensive. At least Tatau business activities enjoys the growth. For your information, Tatau is one of Bintulu distict in sarawak. The IPD(polis) Tatau situated in the Town. Thus, security for ATM is well protected. Please approve it soon. Thank you.

  17. rsham says:

    sy yakin menang sb br tahun lepas sy beli dah pun dpt hadiah tp tempat ke 12 tak mengapa lepas dpt kereta

  18. veerapandia a/l muthiah says:

    I would like to know about my SSP member still function? Since many years I have not checked my premium.I don’t even remember SSP No: to. Sorry this is not a comment. Please let me know.Thank you.

    • I don’t work for BSN nor am I affiliated with them. So, I don’t know.

      Please check with BSN yourself. Also, I don’t see a reason why your SSP is not ‘functioning’ anymore. It should be there.

  19. Kate Sahar says:

    well nadlique, i believe most of us know that you are not working in BSN, but they are just asking, or giving opinions so that we can exchange info…if you dont mind, by the way, thanks to BSN, since they have opened a branch in Song, Kapit, hopefully they can open new branches in other remote towns in other parts including tatau….

    • Well Kate, I was just saying that I don’t work for BSN, so I don’t know whether his account is active or not. Others are free to give their opinions or exchange information. And I’m also giving a suggestion that the person should check with BSN directly, thus giving a definite answer to his question.

      Also Kate, I have received numerous e-mails as well as comments from many many people thinking that I am with PNB or BSN. I’ve received e-mails asking me to close their accounts, redirect their dividend cheques, and etc. I even had people transmitting very sensitive personal information, thinking that this is PNB’s website.

      If you look at my Tun Mahathir’s post, Nik Aziz’s post, and Najib Razak’s post, there were also numerous readers who thought that Nadlique’s Blog belongs to one of them.

  20. Silvadas says:

    How to know my sijil is still valid .My sijil premium is 26 years old since 1984 until today No prize is won.Please can give all my sijil Premium numbers, my ic no is 480501-01-5725,I want compare my numbers with mine

  21. What way to can I aquire sijil premium number just to comfirm.

  22. To check whether you have won anything, go here.

    http://www.bsn.com.my/semakssponline.asp?setgo=1

    I won 12th prize before and have been holding the sijil for >15 years! Good luck. Who know i might win a car next…

    Oh, how to claim the prize if i won? just in case loh…

  23. zahari bin mohamad says:

    dari 80an dh joint ssp tp tak pernah dpt apapun, tak mengapa tp hrp biar benda ini tak menipu rakyat…

  24. i dah simpan RM 500 dlm bulan jun 2009 tapi belum pun terima hadiah lagi. mungkin pun ini dah sama dengan judi kat pub tu yang cuma tarik balik modal susah ambil cabutan ..

    • To Ms elizabeth
      I have almost RM 50K also have nothing.
      Some cert is 10 years old.
      It this draw real.
      Question the BSN people How they draw the numbers or select the winners.
      Thanks

  25. nak sebut cabutan pun lain sepatutnya sijil lah bodoh…

  26. SIR/MADAM
    ASSLAMO ALIKUM
    SORRY TO MENTION HERE THAT INSPITE OF SEVERAL TRY I AM NOT BE ABLE TO FIND OUT THE BSN PREMIMUM CERTIFICATES RESULTS(10 rm EAch)
    I AM HOLDING SOME CERTIFICATES , WHICH I WANT TO CHECK THE RESULTS FROM JULY TO OCT.09
    U R RQSTD TO PLS GUIDE ME THE EASIEST WAY TO SEARCH OUT ALL THE RESULTS IN ENGLISH AND OBLIGE. THANKS

  27. PLS HELP TO SEARCH RESULTS MONTHLY .

  28. salamm singgahh nad..

  29. what happen to this saving, no dividen for son long even though you have rm 1k IN THE SAVING CERTIFICATE

  30. I am a Malaysian and my wife who was a resident then baught about 300 to 400 units of BSN certificates in 1996 and BSN has issued cerificates under her name and the old passport number she held then. Since then she has renewed her passport 4 times. She has lost her certificates and when we went to a BSN branch office, we were told a replacement cost of RM5.00 have to paid to replace them.Ok, we agreed but they cannot trace the certificates. What shall I do and which section shall I contact or write to for a speedier reply?
    Regards
    Victor.

  31. kputusan akn diumumkan di dlm paper utusan or berita harian..???
    sy tidak tahu keputusan keluar pada paper yg maner..

  32. Semak keputusan SSP di sini
    http://www.bsn.com.my/semakssp.asp

  33. Jeffrin says:

    I`ve invested almost 3k for the past few years but nothing fruitful,I think its merely luck or its a scam where only closest familys wins the prise.lets pray for me, maybe this is my year to win

  34. cinderella says:

    keputusan ssp adalah di surat khabar UTUSAN SETIAP AWAL BULAN SELASA DAN HARI RABU.. CABUTAN 30 JAN 2010 DAN RESULTNYA PADA 2&3 FEB 2010.. SELASA DAN RABU
    CABUTAN SETIAP BULANN SAMBIL MENYIMPAN KITA BERPELUANG MENANG…..

  35. cinderella says:

    SESIAPA YANG ADE SIJIL SIMPANAN PREMIUM BERNILAI RM 2000 KEATAS, DAN MENYIMPAN PADA JUN 2009 LAYAK MENDAPAT DIVIDEN 2009 PADA 18 JAN 2010. JUST PERGI KE CWGN BSN YANG BERDEKATAN DAN BOLEH DAPATKAN DIVIDEN BERBENTUK SIJIL, LAYAK JUGA UNTUK MENDAPAT CABUTAN…..

  36. superjamal77 says:

    I also invest RM8k at SSP.But until now not yet win any prize.We cannot stick to invest in one source only.We need to devided our money to others such as Unit trust, Amanah saham, gold saving etc.To all you guys that have SSP but still never win.Be patience.Thank.

  37. norhaddanah says:

    mcm ne nk tgk result yg terbaru dan yg lepas?

  38. aku kalau nama BSN jgn sebut, paling nyampah ….bank yg paling teruk kat Malaysia nih.. BSN la tu..

  39. To All Concern
    I am very very dispointted with BSN. Almost 10 years I am holding the cert,just this Jan 2011 I receive RM 100 SIJIL. Is this draw a real or just to the rich people.Check the history only the rich gets the BMW and the Merdz.
    How about the long cert holders,
    BSN should make it transprant all all cert holders how they select or the computer select the winners.
    All should question this to BSN.
    Thank You.

  40. If the concept is Savings then SSP should only give Cash Rewards in this way the winner can invest in the saving account in BSN or he can invest in other areas he choses. No use of cars and other cheap items if a wage earner were to strike a mercdes benz he will sell the vechicle for him to use the money. Why the Hassle. ” Wake Up BSN – Be Proactive , Malaysia Boleh

  41. Wake Up BSN -Be Proactive- No need Prices Give Cash Rewards

    Thank You

    Rama

  42. mohd tarmizi awang says:

    simpan dah agak lama….tapi tak pernah kena..bukan hak besar-besar hak kecik-kecik pun susah nak sangkut. pesan satu je jangan menipu dahlah.

  43. Dividen ciput..org yg sinpn bnyak jer leh mnang.,adoi
    Sbb no cabutan bnyak ..jd komputer pilih random
    Pun mesti kne…

  44. semasa dulu-dulu boleh percaya juga dengan ssp nih sebab saya pernah menabung beribu-ribu serta pernah mendapat hadiah saguhati iaitu 2kali bernilai RM100. Tapi sejak kebelakangan ini macam tidak percaya pula sebab ada beberapa syarat untuk cabutan bertuah serta ada pula cabutan untuk kakitangan kerajaan. Apahalnya dengan kita orang awam? menipulah saya rasa. Lebih baik melabur ketempat lain yang memberikan pulangan yang stabil dari segi dividennya.

  45. aku dah beli SSP lebih kurang 50k sejak 2007 tapi satu apa pun tak dapatiggal angan – angan sajelah

  46. Sit Bin Ching says:

    Harap-tahun ini (2014) memperuntukkan hadiah paling lumayan dan menarik lebih ramai lagi penyimpan dengan SSP.
    SSP memberi hadiah bulan berupa wang dan kereta seta peralatan lain.
    Tahun 2014 – ini memberi hadiah lebih lumayan lagi..

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