Welcome to rates.my . Its the trusted source for the best FD rates in Malaysia. We update our dashboard daily to help you compare the Highest Fixed Deposit (FD) promotional rates for 2026. Use our yield calculator below to project your returns, and read community reviews before placing your funds.
Best FD Rates in Malaysia April 2026
| Bank | Rates | Tenure | Min Deposit (MYR) | Campaign (Apply Now) | Campaign Period |
|---|---|---|---|---|---|
 Standard Chartered Priority Banking | 4.28% | 6 Months | 100000 | Wealth $aver- I account | Until 30th April 2026 |
 HSBC Premier | 4.28% | 6 Months | 50000 | HSBC PREMIER | Until 30th April 2026 |
 Alliance Bank | 4.08% | 6 Months | 10000 | Bukit Mertajam FD Promo | Until 30th Sept 2026 |
 Ambank | 3.68% | 12 Months | 1000 | Ambank Raya E-FD | Until 30th April 2026 |
| Standard Chartered | 3.65% | 12 Months | 50000 | Standard Chartered Raya E-FD | Until 30th April 2026 |
 CIMB | 3.60 % | 6 Months | 1000 | CIMB Raya E-FD | Until 30th April 2026 |
 Maybank | 3.55% | 6,12 Months | 1000 | Maybank E-Islamic FD | Until 30th April 2026 |
 Public Bank | 3.55% | 6 Months | 5000 | Public Bank E-FD | Until 30th April 2026 |
💰 FD Yield Calculator
Quick Analysis: April 2026 FD Landscape
- 🏆 The High-Net-Worth Leaders: The 4.28% p.a. rates from Standard Chartered and HSBC are "Premier" tier deals.
- Standard Chartered: Only available to new Priority Banking customers who maintain a minimum balance of RM350,000.
- HSBC Premier: Limited to new Premier clients only, with a maximum deposit cap of RM300,000 for this promotion.
- Best for Retail Savers (FPX): If you aren't looking to move six figures, AmBank, CIMB, and Maybank offer the best digital convenience. These can be placed entirely online via FPX transfer.
- AmBank is currently the retail standout, offering 3.68% p.a. for 12 months with a low RM1,000 minimum for its E-Raya campaign.
- The "Branch Only" King: Alliance Bank (Bukit Mertajam, Penang) technically leads the retail market at 4.08% p.a., but note that this typically requires a physical branch visit and "Fresh Funds" (money not already in an Alliance account).
Note: FPX online transfer limits are generally RM50,000 per day for retail banking. For larger placements, you may need to visit a branch or perform the transfer over multiple days.
Frequently Asked Questions (FAQ)
Are Fixed Deposits in Malaysia safe?
Can I withdraw my FD before the maturity date?
Is Fixed Deposit interest taxable in Malaysia?
Bank-Specific FD Guides
For a deeper look at individual bank offerings including full tenure breakdowns, board rates, how to apply online, and key details, see our dedicated guides:
Disclaimer: While we strive to provide the most accurate data, bank rates change frequently. This information is for educational purposes only. Always verify the latest Terms and Conditions on the official bank website before making a placement.
Disclaimer: Rates are subject to change by the respective banks without prior notice. While we strive to keep this data 100% accurate, please verify the final terms with the bank before placement. All deposits are protected by PIDM up to RM250,000 per depositor per member bank. Last Verified: April 1st, 2026.
Stan Chart best FD rate!
interesting rates