MBSB FD Promotion 2026: TD-i Pays 4.00% p.a., More Than Its Own TIA-i

MBSB Bank is running two deposit campaigns at once. TD-i, a plain fixed deposit, pays up to 4.00% per annum. TIA-i, an investment account, pays less — and doesn't carry the same protection.

The deposit pays more than the investment account

• TD-i is a deposit — covered by PIDM up to RM250,000 per depositor, no action needed.
• TIA-i is an investment account under a Mudharabah profit-sharing contract, not a deposit.
• Fresh and rollover funds both qualify for the full campaign rate, no top-up required.

Why the investment account can't promise its rate

• MBSB can revise TIA-i's rate if Bank Negara's OPR changes, without needing consent.
• The profit-sharing ratio can shift mid-contract, cutting the customer's eventual share.
• TIA-i carries no PIDM protection, stated plainly in the campaign's own clause 3.16.

See MBSB's full FD rate table on Rates.my, or read how the same one-bank, two-campaigns pattern played out at alrajhi bank.

What to watch

• 31 Oct 2026Both campaigns end on this date, for TD-i and TIA-i alike.
• At maturityTD-i auto-renews at MBSB's prevailing board rate, not the campaign rate.
• Before you placeRollover funds need no top-up. Money already sitting at MBSB doesn't count as fresh funds.

Sources & further reading

• MBSB Bank — TD-i Campaign, up to 4.00% p.a.
• MBSB Bank — TD-i/eTD-i Campaign Terms & Conditions (effective 2 Oct 2026)
• MBSB Bank — TIA-i Campaign, up to 3.85% p.a.
• MBSB Bank — TIA-i Campaign Terms & Conditions (not PIDM-protected, clause 3.16)
• MBSB Bank — Term Deposit-i (PIDM protection up to RM250,000)
• BusinessToday — MBSB Bank Revises Investment, Deposit Campaign Rates To 3.85%
• Rates.my — MBSB Fixed Deposit Rates & Promotions
• Rates.my — alrajhi bank Is Running Two FD-i Campaigns in Malaysia