Maybank Fixed Deposit Rate
eIFD-i promotional rate · Min RM1,000 · Place online via FPX · Ends 30 Jun 2026
Maybank is Malaysia’s largest bank by assets. Its e-Islamic Fixed Deposit-i (eIFD-i) is the flagship FD product — Shariah-compliant, fully online via FPX, and accessible from just RM1,000.
Promotional Rates
| Tenure | Profit Rate (p.a.) | Min Deposit |
|---|---|---|
| 3 Months | 3.40% | RM1,000 |
| 6 Months | 3.55% | RM1,000 |
| 12 Months | 3.55% | RM1,000 |
Standard Board Rates
| Tenure | Interest Rate (p.a.) |
|---|---|
| 1 Month | 1.75% |
| 2 Months | 1.75% |
| 3 Months | 1.80% |
| 6 Months | 1.95% |
| 9 Months | 1.95% |
| 12 Months | 1.95% |
How to Place Online
Place a Maybank eIFD-i via FPX
- Log in to Maybank2u or the MAE app
- Navigate to Fixed Deposit → eIFD-i section
- Select your tenure and amount (min RM1,000)
- Choose FPX and select your source bank
- Complete the transfer — deposit confirmed instantly
Note: FPX daily limit is generally RM50,000 for retail banking.
Key Things to Know
PIDM Protection
Protected up to RM250,000 per depositor. Conventional FD and Islamic eIFD-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 Maybank Compare?
Maybank’s 3.55% is competitive but not the highest. AmBank offers 3.65% (12 months), CIMB offers 3.60% (6 months), and premium tiers at Standard Chartered and HSBC reach 4.28%. Maybank’s edge is convenience — the Maybank2u and MAE ecosystem, plus Malaysia’s largest branch network.