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.

Currency	Sell	Buy
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
Updated on 24/01/2024 9:15 am More currencies

Gold Standard	Price per gram (RM)
750	523.13
835	582.42
875	610.32
916	638.92
950	662.63
999	696.81
Updated on 27/01/2026 9:00 am	More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	691.51	643.03
Physical	715.74	643.03
EasiGold (Less than RM15,000)	652.764	646.259
EasiGold (RM15,000 and more)	651.764	647.259
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 27/01/2026 9:30 am	More details

Currency	Sell	Buy
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
Updated on 24/01/2024 9:15 am More currencies

Currency

Sell

Buy

AUD

0.00

BND

0.00

EUR

0.00

SGD

0.00

USD

0.00

Updated on 24/01/2024 9:15 am

More currencies

Gold Standard	Price per gram (RM)
750	523.13
835	582.42
875	610.32
916	638.92
950	662.63
999	696.81
Updated on 27/01/2026 9:00 am	More details

Gold Standard

Price per gram (RM)

750

523.13

835

582.42

875

610.32

916

638.92

950

662.63

999

696.81

Updated on 27/01/2026 9:00 am

More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	691.51	643.03
Physical	715.74	643.03
EasiGold (Less than RM15,000)	652.764	646.259
EasiGold (RM15,000 and more)	651.764	647.259
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 27/01/2026 9:30 am	More details

Secure Your Future Wealth with Gold Today.
Perth Mint 99.99% Gold Minted Bar/Account Price:

Product Type

Bank Sell

Bank Buy

Account

691.51

643.03

Physical

715.74

643.03

EasiGold (Less than RM15,000)

652.764

646.259

EasiGold (RM15,000 and more)

651.764

647.259

(*Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value)
*At selected branches only

* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store

Updated on 27/01/2026 9:30 am

More details

Better partnerships,
for you.

No matter how small or big your business is, we are
#HeretoHelp every step of the way. Partner with us today!

iBiz Muamalat

iBiz Muamalat is the corporate internet banking…

Muamalat Cashline-i Facility (MCash)

The product is based on the Shariah…

Better tomorrow,
together.

Looking For a Convenient and Flexible Banking Solution?

Hot Seat Current Account

Energy Independence

Looking to Power Your Home or Business?

Sustainable Energy

High Tech and Green Facility, Just For You!

Looking For a Convenient and Flexible Banking Solution?

Hot Seat Current Account

Looking to Power Your Home or Business?

Energy Independence

Sustainable Energy

High Tech and Green Facility, Just For You!

Up-To-Date Conversion Rates!

AUSTRALIAN DOLLAR	AUD	2.823000	2.667000	2.651000
BRUNEI DOLLAR	BND	3.231000	3.043000	3.032000
CANADIAN DOLLAR	CAD	2.948000	2.841000	2.824000
SWISS FRANC	CHF	5.228000	5.000000	4.982000
EURO	EUR	4.874000	4.601000	4.579000
STERLING POUND	GBP	5.573000	5.325000	5.316000
NEW ZEALAND DOLLAR	NZD	2.491000	2.311000	2.296000
SINGAPORE DOLLAR	SGD	3.231000	3.043000	3.042000
UNITED STATES DOLLAR	USD	4.088000	3.866000	3.849000

2026-01-27 08:44:49

UAE DIRHAM	AED	111.300000	104.930000	102.730000
BANGLADESH TAKA	BDT	3.550000	3.050000	2.750000
DANISH KRONER	DKK	66.270000	60.850000	60.250000
HONGKONG DOLLAR	HKD	52.520000	48.860000	48.260000
INDIAN RUPEE	INR	4.630000	4.100000	4.100000
INDONESIAN RUPIAH	IDR	0.025600	0.021300	0.016300
JAPANESE YEN	JPY	2.634000	2.519000	2.506000
SRI LANKA RUPEE	LKR	1.520000	1.220000	1.100000
MAURITIUS RUPEE	MUR	10.600000	6.790000	0.000000
NORWEGIAN KRONER	NOK	43.950000	38.130000	37.530000
PAKISTAN RUPEE	PKR	1.620000	1.400000	0.800000
PHILIPPINE PESO	PHP	7.070000	6.410000	5.970000
SAUDI ARABIAN RIYAL	SAR	108.980000	102.560000	99.560000
SWEDISH KRONER	SEK	47.370000	41.230000	41.030000
THAI BAHT	THB	14.180000	11.180000	10.940000
SOUTH AFRICA RAND	ZAR	26.150000	23.460000	23.260000
QATAR RIYAL	QAR	113.930000	103.300000	102.400000
NEPAL RUPEE	NPR	2.990000	2.660000	2.570000
CHINESE RENMINBI	CNY	60.030000	54.730000	0.000000

	Selling TT/OD	Buying TT	Buying OD
AUD	0.00	0.00	0.00
BND	0.00	0.00	0.00
CAD	0.00	0.00	0.00
CHF	0.00	0.00	0.00
EUR	0.00	0.00	0.00
GBP	0.00	0.00	0.00
NZD	0.00	0.00	0.00
SGD	0.00	0.00	0.00
USD	0.00	0.00	0.00
Updated on 24/01/2024 9:15 am		More currencies

Better partnerships, for you.

No matter how small or big your business is, we are #HeretoHelp every step of the way. Partner with us today!

iBiz Muamalat

Muamalat Cashline-i Facility (MCash)

Better tomorrow, together.

Looking For a Convenient and Flexible Banking Solution?

Hot Seat Current Account

Energy Independence

Looking to Power Your Home or Business?

Sustainable Energy

High Tech and Green Facility, Just For You!

Looking For a Convenient and Flexible Banking Solution?

Hot Seat Current Account

Looking to Power Your Home or Business?

Energy Independence

Sustainable Energy

High Tech and Green Facility, Just For You!

Concerned about not having enough resources for success?

Wait, There’s More For You!

Bayu Somerset

Gallop to Golden Prosperity

Resorts World Tours

Tap, Tap & Win

Mokkys Pizza

Follow & Menang: Sustainability Challenge

Watsons

ZUS Coffee

Kenangan Coffee

MyLady Premier

FTA-i Prosper+ Combo

TIA-i Let’s Celebr8

Cross Border Spend Campaign

Pensonic

Tonton

Motherhood

Accor Hotels at Makkah & Madinah

Burger Lab

Koppiku

Cake Rush

Up-To-Date Conversion Rates!

Stay In The Know!

Your Financing Statement 2024 is Now Available!

Imposition of Service Tax on Selected Financial Services Effective 1st January 2026

Maintenance Notice: i-Muamalat Online Portal and Mobile Apps on 15 January 2026

Better partnerships,
for you.

No matter how small or big your business is, we are
#HeretoHelp every step of the way. Partner with us today!

Better tomorrow,
together.

Maintenance Notice:
i-Muamalat Online Portal and Mobile Apps on 15 January 2026