AmBank Fixed Deposit Rate
E-FD Raya campaign · Min RM1,000 · Place online via AmOnline · Ends 30 April 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 for the Raya 2026 campaign with a low minimum deposit of just RM1,000.
| Tenure | Interest Rate (p.a.) | Min Deposit |
|---|---|---|
| 12 Months | 3.68% | RM1,000 |
| 6 Months | 3.58% | RM1,000 |
| 3 Months | 3.48% | 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 3.68% for 12 months is one of the strongest retail FD rates this cycle. It beats Maybank (3.55%), CIMB (3.60%), and Public Bank (3.55%) on the longest tenure. However, priority banking tiers at Standard Chartered and HSBC reach 4.28% for high-net-worth customers. For most retail depositors, AmBank offers excellent value.