What is Bank Muamalat�s sustainability commitment?

Bank Muamalat embeds ESG considerations into its Shariah-compliant strategies and operations to create positive impact for stakeholders, guided by Islamic values and Value-Based Intermediation (VBI) principles.

What does EESG mean in Bank Muamalat�s sustainability approach?

EESG refers to Economic, Environmental, Social and Governance pillars. These four areas guide Bank Muamalat�s sustainability initiatives to promote inclusive growth, environmental stewardship, social empowerment and strong governance.

How does sustainability align with Shariah principles at Bank Muamalat?

Sustainability at Bank Muamalat is guided by Islamic values, ensuring all strategies, financing and operations remain Shariah-compliant while delivering long-term positive impact to society and the environment.

What is Value-Based Intermediation (VBI)?

Value-Based Intermediation (VBI) is an Islamic banking approach that focuses on delivering sustainable outcomes to the economy, community and environment, beyond financial returns.

Which United Nations SDGs does Bank Muamalat support?

Bank Muamalat supports seven priority UN Sustainable Development Goals: No Poverty (1), Zero Hunger (2), Quality Education (4), Decent Work and Economic Growth (8), Reduced Inequalities (10), Responsible Consumption and Production (12), and Peace, Justice and Strong Institutions (16).

How does Bank Muamalat address environmental impact?

Bank Muamalat manages environmental impact through initiatives focused on carbon footprint reduction, energy efficiency, water usage management, waste reduction and climate risk assessment.

How does Bank Muamalat practice responsible financing?

Responsible financing is implemented through ESG scorecards, climate risk assessments and sustainability screening to ensure financing decisions align with environmental and social responsibility.

What governance structures support sustainability at Bank Muamalat?

Sustainability governance is overseen by the Board of Directors and Board Risk and Compliance Committee, supported by internal policies, ethical standards and sustainability management frameworks.

Where can I find Bank Muamalat�s sustainability reports?

Bank Muamalat�s sustainability performance and initiatives are published in its Sustainability Statements available on the official website.

What is Savings Account-i?

Savings Account-i is a Shariah-compliant savings account by Bank Muamalat that helps you save while earning profit on your account balance.

What is the profit rate for Savings Account-i?

The profit rate for Savings Account-i is 0.05% per annum on all balances.

What is the minimum deposit to open a Savings Account-i?

The minimum initial deposit required to open a Savings Account-i is RM20.

How can I apply for Savings Account-i?

You can apply by clicking the �Apply Now� button on the product page, visiting the nearest Bank Muamalat branch, or contacting the Customer Care Line at 03-2600 5500.

Who is eligible to open a Savings Account-i?

Savings Account-i is available for individual residents and non-residents aged 18 years and above. Joint account holders are also eligible.

Is Savings Account-i protected by PIDM?

Yes. This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor, subject to PIDM�s terms.

What services are available for eligible Savings Account-i customers?

Eligible customers receive services such as free account enquiry, debit card (physical and virtual for digital banks), access to i-Muamalat app and internet banking, funds transfer services under the ICTF rules, and free cash withdrawals and deposits at Bank Muamalat channels.

Where can I find the Terms & Conditions and Product Disclosure Sheet for Savings Account-i?

The product page provides links to the applicable Terms and Conditions (including CASA Tawarruq/Qard and Online Savings Account) and the Product Disclosure Sheets for Savings Account (Tawarruq and Qard).

What is Personal Financing-i (Tawarruq)?

Personal Financing-i (Tawarruq) is a Shariah-compliant financing facility by Bank Muamalat designed to provide cash financing for personal financial needs, provided that the purpose does not contravene Shariah principles.

What is the Shariah concept used for Personal Financing-i?

Personal Financing-i is based on the Shariah concept of Tawarruq as the underlying structure for financing.

What contracts are involved in the Tawarruq structure for Personal Financing-i?

The Tawarruq arrangement incorporates Shariah contracts including Wa�d Mulzim (binding promise), Murabahah (cost-plus sale), and Wakalah (agency).

What can Personal Financing-i be used for?

Personal Financing-i is intended to support personal financial needs, subject to the condition that the financing purpose does not contravene Shariah principles.

How do I apply for Personal Financing-i?

You can apply for Personal Financing-i online via Bank Muamalat�s application platform or through the Apply Now option on the product page. You may also contact the bank or visit a branch for assistance.

Can I calculate my instalment before applying?

Yes. You can estimate your financing using the Personal Financing calculator available via Bank Muamalat�s online channels before submitting an application.

Is Personal Financing-i Shariah-compliant?

Yes. Personal Financing-i is structured using Shariah concepts and contracts (including Tawarruq) to ensure the facility remains Shariah-compliant.

Where can I find official product information and documents?

Official product information is provided on the Personal Financing-i product page. For full details, refer to the bank�s published product documents and terms where applicable.

What is Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu is an Islamic pawn broking facility where customers pawn gold items to obtain immediate financing. It is structured based on the Shariah concepts of Tawarruq (commodity Murabahah) and Rahn (pawn broking).

How much financing can I get with Muamalat Ar-Rahnu?

Customers may obtain financing of up to 80% of the current value of the pledged gold items (marhun value), subject to the bank�s terms and conditions.

What is the maximum financing amount for Muamalat Ar-Rahnu?

Muamalat Ar-Rahnu offers financing of up to RM500,000, subject to the bank�s terms and conditions.

What is the profit rate for Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu provides a fixed profit rate of 11.25% per annum (equivalent to 0.9375% monthly), calculated based on the financing amount, subject to applicable terms.

What is the maximum tenure for Muamalat Ar-Rahnu?

The tenure for Muamalat Ar-Rahnu is up to 18 months, subject to the bank�s terms and conditions.

Does Muamalat Ar-Rahnu include Takaful coverage?

Yes. Muamalat Ar-Rahnu includes free Takaful coverage, subject to the bank�s terms and conditions.

Is there an Ar-Rahnu calculator available?

Yes. Bank Muamalat provides an Ar-Rahnu Calculator to help customers estimate financing and profit servicing based on inputs such as gold weight, margin financing and tenure.

Is online Ar-Rahnu revaluation available?

Yes. The product highlights an easy online Ar-Rahnu revaluation facility, subject to the bank�s service availability.

What is Muamalat Vehicle Financing-i (MPO)?

Muamalat Vehicle Financing-i (MPO) is a Shariah-compliant vehicle financing facility by Bank Muamalat designed to help customers finance a vehicle purchase with convenient payment options, including up to 100% financing, subject to terms and eligibility.

What is the Shariah contract used for Muamalat Vehicle Financing-i (MPO)?

This product is structured based on the Shariah contract of Murabahah to the Purchase Orderer (MPO).

What does the MPO arrangement involve?

The MPO arrangement involves a combination of Wa�d Mulzim (binding promise), Wakalah (agency) and Rahn.

How much financing can I get for my vehicle purchase?

Muamalat Vehicle Financing-i (MPO) offers up to 100% financing for eligible vehicle purchases, subject to the bank�s assessment and terms and conditions.

How do I enquire or apply for Muamalat Vehicle Financing-i (MPO)?

You may enquire by selecting Talk to Us on the product page or visit a Bank Muamalat branch for assistance and application guidance.

What is Bank Muamalat Visa Platinum-i?

Bank Muamalat Visa Platinum-i is a Shariah-compliant Credit Card-i that offers cash back and other benefits under the Tawarruq concept, tailored for everyday retail spending and balance transfer options.

What cashback benefits does Visa Platinum-i offer?

The card offers unlimited 1% cash back on overseas spend, 1% cash back on e-commerce spend (capped per month), and 0.3% cash back on contactless spend (capped per month).

Is there an annual fee for Visa Platinum-i?

Yes. The card has an annual fee, but it may be waived for the first year and for subsequent years upon meeting the minimum transaction requirements.

Does Visa Platinum-i offer balance transfer plans?

Yes. The card provides a 0% balance transfer plan for a specified period subject to terms and promotions available at the time of application.

How do I apply for the Visa Platinum-i credit card?

You can apply through the Bank Muamalat website using the Apply Now link, or contact the bank�s customer care or nearest branch for assistance.

What is SAVE 2 WIN 2026?

Save2Win 2026 is a savings campaign by Bank Muamalat Malaysia Berhad where eligible customers can participate through selected Shariah-compliant savings products and stand a chance to win prizes during the campaign period.

When is the campaign period?

The campaign runs from 1 February 2026 until 31 December 2026.

Who is eligible to participate?

The campaign is open to eligible new and existing customers who participate via Bank Muamalat�s Shariah-compliant savings products, subject to the campaign�s terms and conditions.

How do I participate?

Participation is subject to the campaign terms and conditions. Refer to the Save2Win 2026 campaign page and Terms & Conditions document for the eligible products, qualifying actions, and entry mechanics.

What prizes are offered?

Prizes are offered throughout the campaign period. Publicly announced information highlights nearly RM3 million in prizes, including two grand prizes of 1-kilogram gold bars (subject to the official Terms & Conditions).

Where can I read the Terms & Conditions and FAQs?

You can download the official Terms & Conditions and FAQ documents from the Save2Win 2026 campaign page.

Industrial Hire Purchase-i | Equipment & Commercial Vehicle Financing

Mata Wang	Jual	Beli
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Dikemaskini pada 24/01/2024 9:15 am Lagi mata wang

Standard Emas	Harga segram (RM)
750	519.58
835	578.47
875	606.18
916	634.58
950	658.13
999	692.08
Dikemaskini pada 10/02/2026 9:00 am	Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	679.26	631.64
Fizikal	703.07	631.64
EasiGold (Kurang daripada RM15,000)	642.016	635.493
EasiGold (Lebih daripada RM15,000)	641.016	636.493
(Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10) Di cawangan terpilih sahaja * Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store
Dikemaskini pada 10/02/2026 9:30 am	Butiran lanjut

Mata Wang	Jual	Beli
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Dikemaskini pada 24/01/2024 9:15 am Lagi mata wang

Mata Wang

Jual

Beli

AUD

0.00

BND

0.00

EUR

0.00

SGD

0.00

USD

0.00

Dikemaskini pada 24/01/2024 9:15 am

Lagi mata wang

Standard Emas	Harga segram (RM)
750	519.58
835	578.47
875	606.18
916	634.58
950	658.13
999	692.08
Dikemaskini pada 10/02/2026 9:00 am	Butiran lanjut

Standard Emas

Harga segram (RM)

750

519.58

835

578.47

875

606.18

916

634.58

950

658.13

999

692.08

Dikemaskini pada 10/02/2026 9:00 am

Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	679.26	631.64
Fizikal	703.07	631.64
EasiGold (Kurang daripada RM15,000)	642.016	635.493
EasiGold (Lebih daripada RM15,000)	641.016	636.493
(Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10) Di cawangan terpilih sahaja * Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store
Dikemaskini pada 10/02/2026 9:30 am	Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini.
Perth Mint 99.99% Gold Minted Bar/Harga Akaun:

Jenis Produk

Bank Jual

Bank Beli

Akaun

679.26

631.64

Fizikal

703.07

631.64

EasiGold (Kurang daripada RM15,000)

642.016

635.493

EasiGold (Lebih daripada RM15,000)

641.016

636.493

(*Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10)
*Di cawangan terpilih sahaja

* Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store

Dikemaskini pada 10/02/2026 9:30 am

Butiran lanjut

Pembiayaan Sewa Beli Industri Muamalat (MIHP-i)

Bank Muamalat Malaysia Berhad (BMMB) kini menawarkan pembiayaan kenderaan, trak komersial, dan peralatan kepada entiti perniagaan / pelanggan komersial.

Pembiayaan Sewa Beli Industri Muamalat (MIHP-i)

Bank Muamalat Malaysia Berhad (BMMB) kini menawarkan pembiayaan kenderaan, trak komersial, dan peralatan kepada entiti perniagaan / pelanggan komersial.

Objektif

Berdasarkan pilihan pembiayaan kenderaan sedia ada yang diberikan kepada pelanggan individu/runcit, Bank Muamalat Malaysia Berhad (BMMB) kini menawarkan pembiayaan kenderaan, trak komersial, dan peralatan kepada entiti perniagaan/pelanggan komersial.

Produk

Pembiayaan Sewa Beli industri Muamalat (MIHP-i)

Entiti Perniagaan Yang Layak

Pemilikan Tunggal, Perkongsian, Syarikat Berhad Awam/ Swasta.
Persatuan, kelab dan Persatuan Koperasi, Pemegang Amanah.
Badan profesional (Doktor/Peguam), dan Kerajaan negeri.
Sekurang-kurangnya 51% saham dipegang & dikawal oleh Warganegara Malaysia.

Tahun Perniagaan

Telah beroperasi sekurang-kurangnya 3 tahun (termasuk penukaran/naik taraf daripada soleproprietor dan perkongsian di bawah aktiviti perniagaan yang serupa)
Orang utama mesti mempunyai sekurang-kurangnya 3 tahun pengalaman dalam perniagaan yang serupa.

Perniagaan Terhad/Pemohon

Aktiviti perniagaan tidak mematuhi Syariah

Jenis Aset/Kenderaan Bermotor/Peralatan

Kereta, 4X4, Bas, Teksi
Kenderaan Komersial
Peralatan ICT, loji dan jentera lain

Jenis Permohonan

Permohonan biasa (pengambilalihan segera untuk unit tunggal atau berbilang)
• Kemudahan talian selimut (pemerolehan segera/untuk pemilik projek/armada)

Takaful/Insurans

Pelanggan disyorkan untuk mengambil perlindungan Takaful ke atas aset/peralatan dengan Bank Muamalat Malaysia Berhad sebagai pemilik HP dan dengan jumlah yang diinsuranskan yang boleh diterima.

Perlindungan Pembiayaan

Seluruh Malaysia

Jenis Kadar Keuntungan

Kadar Tetap/Kadar Tetap

* Tertakluk kepada Terma dan syarat

Syarat pembiayaan untuk kenderaan Isuzu / Daihatsu (ACT):

Item	Penerangan
Jenis Kenderaan Bermotor	Akta barang-mengikut jadual pertama Akta Sewa Beli 1967 4×4 (Pick Up), dan Kereta Lori muatan ringan (Bdm-Berat dengan Muatan tidak melebihi 2,540 kg)
Tempoh Pembiayaan	Maksimum Sehingga 9 Tahun
Margin Pembiayaan	Sehingga 90%*
Kadar Keuntungan	Serendah 2.5% kadar rata P.A* Nota: Kadar Akan Berdasarkan Tujuan Penggunaan, Tempoh, Jenis Kenderaan Bermotor, Dan Keadaan.
Duti Setem	Nominal: Rm10/hp perjanjian Duti Setem Tambahan Sebanyak Rm10 Setiap Surat Jaminan Mengikut Akta Duti Setem.
Bayaran Pendahuluan/Deposit Keselamatan	Tiada

* Tertakluk Kepada Kedudukan Kredit Pelanggan
** Tertakluk Kepada Terma Dan Syarat

Syarat pembiayaan untuk kenderaan Isuzu / Daihatsu (Bukan ACT):

Item	Penerangan
Jenis Kenderaan Bermotor	Barang bukan Akta-tidak disenaraikan dalam jadual pertama Akta Sewa Beli 1967 Lori/penggerak utama (BDM-berat dengan muatan lebih daripada 2,540 kg).
Tempoh Pembiayaan	Maksimum Sehingga 9 Tahun
Margin Pembiayaan	Maksimum sehingga 90%*
Kadar Keuntungan	Anggaran 3.2%~3.88% kadar rata p.a* Nota: Untuk kadar di bawah 3.2% adalah berdasarkan kes ke kes dan tertakluk kepada kelulusan pengurusan*. Kadar akan berdasarkan tujuan penggunaan, tempoh, jenis kenderaan bermotor, dan keadaan.
Duti Setem	Ad Valorem: RM5 untuk setiap had pembiayaan RM1,000 atau sebahagian daripadanya. Duti setem tambahan sebanyak RM10 setiap Surat Jaminan mengikut Akta Duti Setem.
Bayaran Pendahuluan/Deposit Keselamatan	Pilihan, tertakluk kepada kelulusan atau pakej BMMB

* Tertakluk Kepada Kedudukan Kredit Pelanggan
** Tertakluk Kepada Terma Dan Syarat

Program Pembiayaan Sah Sehingga 31 Dis 2024

Item	Penerangan
Keperluan/Dokumentasi Yang Dipermudahkan	Untuk 4X4 dan trak ringan (BDM tidak lebih daripada 2,540 kg) Cukai pendapatan/akaun yang diaudit adalah pilihan*.. Kelulusan adalah berdasarkan pelanggan 6 bulan baki penutupan bank. Pembayaran CCRIS dengan 2 pembayaran lewat boleh diterima (tidak lebih daripada 3 kali kejadian) dan bulan terkini mestilah terkini.
Kadar Keuntungan	Untuk 4X4 dan trak ringan (BDM tidak lebih daripada 2,540 kg) Serendah 2.5% untuk Isuzu/Daihatsu baru (bertindak baik) Untuk trak (BDM lebih daripada 2,540 kg) Anggarkan 3.2% ~ 3.88% untuk trak Isuzu/Daihatsu baru (tidak bertindak baik)

Item

Penerangan

Keperluan/Dokumentasi Yang Dipermudahkan

Untuk 4X4 dan trak ringan (BDM tidak lebih daripada 2,540 kg)

Cukai pendapatan/akaun yang diaudit adalah pilihan*..
Kelulusan adalah berdasarkan pelanggan 6 bulan baki penutupan bank.
Pembayaran CCRIS dengan 2 pembayaran lewat boleh diterima (tidak lebih daripada 3 kali kejadian) dan bulan terkini mestilah terkini.

Kadar Keuntungan

Untuk 4X4 dan trak ringan (BDM tidak lebih daripada 2,540 kg)

Serendah 2.5% untuk Isuzu/Daihatsu baru (bertindak baik)

Untuk trak (BDM lebih daripada 2,540 kg)

Anggarkan 3.2% ~ 3.88% untuk trak Isuzu/Daihatsu baru (tidak bertindak baik)

* Tertakluk kepada kedudukan kredit pelanggan
** Tertakluk kepada Terma dan syarat

Dokumentasi Standard Daripada Pelanggan

Dokumen Yang Diperlukan	SDN BHD	SP/P
Borang Pendaftaran Perniagaan/Dokumen berkanun syarikat. (SSM, Borang 24,44,49)	√	√
Pendaftaran Firma-Borang B/D	√	√
Salinan kad pengenalan pemilik/rakan kongsi/penjamin/pengarah.		√
Wajib terkini tersedia penyata bank 6 bulan, dsb.	√	√
Akaun teraudit terkini tersedia	√
Borang persetujuan yang disediakan oleh BMMB	√	√

* Tertakluk kepada Terma dan syarat

AUSTRALIAN DOLLAR	AUD	2.860000	2.703000	2.687000
BRUNEI DOLLAR	BND	3.207000	3.021000	3.010000
CANADIAN DOLLAR	CAD	2.949000	2.844000	2.827000
SWISS FRANC	CHF	5.238000	5.011000	4.993000
EURO	EUR	4.831000	4.563000	4.541000
STERLING POUND	GBP	5.514000	5.271000	5.262000
NEW ZEALAND DOLLAR	NZD	2.497000	2.318000	2.303000
SINGAPORE DOLLAR	SGD	3.207000	3.021000	3.020000
UNITED STATES DOLLAR	USD	4.044000	3.826000	3.809000

Pembiayaan Sewa Beli Industri Muamalat (MIHP-i)

Pembiayaan Sewa Beli Industri Muamalat (MIHP-i)

Objektif

Produk

Entiti Perniagaan Yang Layak

Tahun Perniagaan

Perniagaan Terhad/Pemohon

Jenis Aset/Kenderaan Bermotor/Peralatan

Jenis Permohonan

Takaful/Insurans

Perlindungan Pembiayaan

Jenis Kadar Keuntungan

Muat turun

Anda juga mungkin meminati

Pembiayaan Sewa Beli Muamalat (MHP-i)