Alliance Bank FD Promotion 2026: 4.38% at One Branch, 4.00% Everywhere Else

RaymondRates.myPublished 6 August 2026, 10:55 AM MYTUpdated 17 October 20262 min read

Update, 17 October 2026: Bangsar's flat deal is gone, no successor. Bangsar's flat 4.08% FD — open to anyone new, no wealth tier needed — ended on schedule on 31 August and was not replaced. The only two live Alliance FD-i promos now both require a wealth tier: Sri Petaling branch, unchanged at up to 4.38%, and a separate Privilege/Personal welcome deal whose new Q4 cycle just rose to 4.00% (from 3.85%), running to 31 March 2027. Current figures on the Alliance FD page.

Alliance Bank now runs two live FD-i promos — and both need a wealth tier. Sri Petaling branch still pays up to 4.38% for six months. Everywhere else, a Privilege/Personal welcome deal pays 4.00%, no branch visit required.

4.38%

Sri Petaling — Personal/Privilege

needs RM100k–300k AUM

4.00%

Privilege/Personal welcome ATD-i

new to the tier, to 31 Mar 2027

3.98%

Sri Petaling — Mass Market

the only tier-free rate left

Two promos, one gate: a wealth tier

Metric	Sri Petaling (ATD-i)	Privilege/Personal (ATD-i)
Tenure	6 months	6 months
Rate	3.98%–4.38%	4.00% flat
Min / max deposit	RM10,000 / RM500,000	RM10,000 / not stated
Fresh funds required	Yes, within 7 days	No
Campaign pool	RM500 million	Not stated
Campaign ends	31 Oct 2026*	31 Mar 2027

*Or when the RM500 million threshold is hit, whichever comes first.

Both are PIDM-insured up to RM250,000 despite the different gates.
Bangsar's flat, no-tier deal is gone — ended 31 August, no replacement.
Only Privilege/Personal skips the fresh-funds rule — existing money qualifies too.

Who actually gets 4.38% instead of 3.98%?

At Sri Petaling, the rate depends on assets you already hold elsewhere in the bank — not on how much you place in this FD.

NIA AUM counts deposits and investments, not SaveLink, ASNB or insurance premiums.
Both upgrade tiers also need a new account holding at least RM10,000.
Funds must be fresh — moved in within 7 days of the placement.

For a saver with no wealth tier at all

Jar of coins with a young plant growing out, symbolising savings — With Bangsar gone, Sri Petaling's Mass Market tier is Alliance's only tier-free promo rate left — and it still needs a branch visit. · Photo: Unsplash

The only tier-free option needs a trip to one branch — Sri Petaling, nowhere else.
UOB's FD Plus went through the same relaunch pattern — see how that cycle played out.

“The branch network is still the main engagement point for deposits and for wealth, especially for financial advisory.”

— Gan Pai Li, group chief consumer banking officer, Alliance Bank, to The Edge Malaysia, March 2026

What to watch

31 Oct 2026Sri Petaling's ATD-i ends, or sooner if the RM500 million threshold is hit first.
31 Mar 2027The Privilege/Personal welcome ATD-i's current cycle ends — check the FD page for the next one.
Your maturity dateBoth auto-renew at Alliance's ordinary 6-month board rate, not the promo one — mark your calendar.

Not financial advice. This is general information based on Alliance Bank Malaysia's own campaign terms and conditions as at 17 October 2026. It is not a recommendation to open any account, and Rates.my does not issue price targets or rate forecasts. Confirm the current terms with Alliance Bank before applying — campaign rates and thresholds can change.

Sources & further reading

Ready to act on this?

See Alliance Bank's full FD rate table

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