AmBank Fixed Deposit Rate
eFD/eTD-i campaign · Min RM1,000 · Place online via AmOnline · Ends 31 May 2026
AmBank is one of Malaysia’s leading financial groups. Its electronic Fixed Deposit (eFD) is available through AmOnline internet banking, offering competitive promotional rates through its eFD/eTD-i May 2026 campaign with a low minimum deposit of just RM1,000.
Official eFD/eTD-i May 2026 Page
| Tenure | Interest Rate (p.a.) | Min Deposit |
|---|---|---|
| 12 Months | 3.65% | RM1,000 |
| 9 Months | 3.60% | RM1,000 |
| 3 Months | 3.40% | RM1,000 |
| Tenure | Interest Rate (p.a.) |
|---|---|
| 1 Month | 1.85% |
| 3 Months | 1.90% |
| 6 Months | 1.95% |
| 9 Months | 1.95% |
| 12 Months | 2.00% |
Place an AmBank eFD via AmOnline
- Log in to AmOnline internet banking
- Navigate to Fixed Deposit → eFD/eTD-i section
- Select your preferred tenure and amount (min RM1,000)
- Choose FPX and select your source bank for funding
- Complete the transfer — deposit confirmed instantly
Note: FPX daily limit is generally RM50,000 for retail banking.
PIDM Protection
Protected up to RM250,000 per depositor. Conventional FD and Islamic TD-i are insured separately — up to RM500,000 total if you hold both.
Early Withdrawal
Premature withdrawal forfeits all accrued interest. Only lock in funds you won’t need before maturity.
Tax-Exempt
FD interest for individual Malaysian tax residents is fully tax-exempt — both conventional and Islamic.
Auto-Renewal
If renewed automatically, the deposit rolls over at board rate (not promo rate). Check before maturity.
How Does AmBank Compare?
AmBank’s 3.65% for 12 months is one of the strongest retail FD rates this cycle. It beats Maybank (3.55%), CIMB (3.60%), and Public Bank (3.60%) on the longest tenure. Alliance Bank leads retail at 4.08% but requires a branch visit. Priority banking tiers at Standard Chartered and HSBC reach 4.28% for high-net-worth customers.