BMB
Bank Muamalat

Bank Muamalat Fixed Deposit Rates

4.10%
best rate p.a.
Islamic · Term Deposit-i

Last updated 22 Oct 2026, 2:40 PM MYT · Reviewed by Raymond, Rates.my

Best rate
4.10%
per annum
Campaigns
3
FD products
Min deposit from
RM1,000
Tenures
12M

Bank Muamalat fixed deposit overview

Bank Muamalat is an Islamic bank in Malaysia. Its best term deposit-i (the Shariah-compliant equivalent of a fixed deposit) rate listed here is 4.10% p.a. on the Bank Muamalat Revive+ Campaign (TIA-i), with placements from RM1,000. Across 3 campaigns the available tenures are 12M. Some of these rates are promotional and time-limited — check the validity date and eligibility before placing your funds. Compare each Bank Muamalat FD campaign below, see what you'll need to open one, and read reviews from other depositors.

Bank Muamalat FD campaigns & rates

Bank Muamalat Revive+ Campaign (TIA-i)
4.10% p.a. EXPECTED profit on a 12-month Term Investment Account-i, min RM10,000 fresh funds, placed over the counter. TIA-i is an investment account, not a deposit: the return is expected, not guaranteed, and NOT PIDM-protected. Profit paid at maturity; renewal reverts to the TIA-i board rate. Campaign 1 Oct–31 Dec 2026.
PromoIslamicFresh funds
4.10%
12 Months
Min deposit
RM10,000
Tenure
12 Months
Valid until
31 Dec 2026
Apply at Bank Muamalat →
Bank Muamalat Muamalat+ Campaign (FTA-i)
4.00% p.a. on a 12-month Fixed Term Account-i, min RM10,000 fresh funds, PLUS a further RM5,000 of fresh funds earmarked for 12 months in a Muamalat current/savings account or SURIA at that account's board rate (0% to 0.09%). On the minimum RM15,000 outlay the blended return is about 2.7%; it approaches 4% only on large placements. Both legs placed together, over the counter, same day. Profit paid at maturity; renewal reverts to the board rate. Campaign 1 Sep–31 Dec 2026. FTA-i is PIDM-protected up to RM250,000.
PromoIslamicFresh funds
4.00%
12 Months
Min deposit
RM10,000
Tenure
12 Months
Valid until
31 Dec 2026
Apply at Bank Muamalat →
Bank Muamalat Fixed Term Account-i (board rate)
Board rates, effective 16 Aug 2026: 1.80% (1–2M) · 1.95% (3–5M) · 2.00% (6–12M) · 2.05% (18–24M) · 2.10% (36–60M). Min RM5,000 (1M), RM1,000 (2M+). Protected by PIDM up to RM250,000 per depositor. The Muamalat+ Campaign pays 4.00% on a 12-month FTA-i with a CASA earmark, and Revive+ 4.10% expected on TIA-i — see the entries below.
Islamic
2.00%
12 Months
Min deposit
RM1,000
Tenure
12 Months
Valid until
31 Dec 2026
Apply at Bank Muamalat →

Opening a Bank Muamalat fixed deposit

🪪
Identification
Your MyKad (IC) if you're Malaysian, or passport for non-residents.
💵
Minimum deposit
From RM1,000 — varies by campaign.
✨
Fresh funds required
The promotional rates need fresh funds — money new to Bank Muamalat, not transferred from an existing Bank Muamalat account.
🏢
Where to open
At any Bank Muamalat branch — bring your IC and the funds.
☪️
Shariah-compliant
Offered as a Term Deposit-i, which pays a profit rate instead of interest (riba).

Withdrawing a Term Deposit-i before maturity usually forfeits some or all of the profit. Confirm the terms with Bank Muamalat before you commit.

Bank Muamalat fixed deposit FAQ

Bank Muamalat's highest fixed deposit rate listed here is 4.10% p.a. on the Bank Muamalat Revive+ Campaign (TIA-i), for a 12 Months tenure. Rates are indicative — confirm the current rate on the Bank Muamalat website before applying.

The minimum placement starts from RM1,000. Some campaigns require up to RM10,000.

Yes. Bank Muamalat offers a Term Deposit-i, the Shariah-compliant equivalent of a conventional fixed deposit: it pays a profit rate instead of interest.

Your IC (MyKad) or passport, and the deposit amount. Bank Muamalat FDs are typically opened at a branch. Promotional rates usually require fresh funds (money new to the bank).

The Bank Muamalat Revive+ Campaign (TIA-i) promotional rate is valid until 31 Dec 2026 (indicative). Promotional campaigns can change or be withdrawn — always confirm the current offer and terms with Bank Muamalat.

Rates, tenures and promotions are indicative and time-limited — always confirm current terms with Bank Muamalat before placing a deposit. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Bank Muamalat; the bank's name and logo belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.

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