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.

Perbankan - Bank Muamalat Malaysia Berhad

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	524.36
835	583.79
875	611.76
916	640.42
950	664.19
999	698.45
Dikemaskini pada 16/02/2026 9:00 am	Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	674.18	626.91
Fizikal	697.80	626.91
EasiGold (Kurang daripada RM15,000)	637.998	631.019
EasiGold (Lebih daripada RM15,000)	630.998	632.019
(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 16/02/2026 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	524.36
835	583.79
875	611.76
916	640.42
950	664.19
999	698.45
Dikemaskini pada 16/02/2026 9:00 am	Butiran lanjut

Standard Emas

Harga segram (RM)

750

524.36

835

583.79

875

611.76

916

640.42

950

664.19

999

698.45

Dikemaskini pada 16/02/2026 9:00 am

Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	674.18	626.91
Fizikal	697.80	626.91
EasiGold (Kurang daripada RM15,000)	637.998	631.019
EasiGold (Lebih daripada RM15,000)	630.998	632.019
(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 16/02/2026 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

674.18

626.91

Fizikal

697.80

626.91

EasiGold (Kurang daripada RM15,000)

637.998

631.019

EasiGold (Lebih daripada RM15,000)

630.998

632.019

(*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 16/02/2026 9:30 am

Butiran lanjut

Kami #DiSiniuntukMembantu bagi memberikan gaya hidup lebih baik

Lihat lagi cara gaya hidup yang lebih baik!

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bersama-sama.

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Ya! Kami Akan Membantu Mencipta Syurga Untuk Anda, Dan Planet Juga.

Pelaburan Hijau

Adakah Projek Mesra Alam Dalam Fikiran? Kami Melindungi Anda!

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Ingin Menyokong Perniagaan yang Anda Percayai? Tengok Sini!

Pembiayaan Hijau

Ya! Kami Akan Membantu Mencipta Syurga Untuk Anda, Dan Planet Juga.

Adakah Projek Mesra Alam Dalam Fikiran? Kami Melindungi Anda!

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Tunggu, Ada Lagi Untuk Anda!

campaign

Kempen Ramadan Terindah Bersama

Tempoh Kempen:

18 Februari 2026 – 18 Mac 2026

Ketahui

promotion

Health Lane Pharmacy

1 January – 30 June 2026

Ketahui

Ketahui Lebih Lanjut

Kadar Penukaran Terkini!

AUSTRALIAN DOLLAR	AUD	2.839000	2.683000	2.667000
BRUNEI DOLLAR	BND	3.196000	3.011000	3.000000
CANADIAN DOLLAR	CAD	2.920000	2.815000	2.798000
SWISS FRANC	CHF	5.198000	4.972000	4.954000
EURO	EUR	4.787000	4.521000	4.499000
STERLING POUND	GBP	5.468000	5.226000	5.217000
NEW ZEALAND DOLLAR	NZD	2.475000	2.297000	2.282000
SINGAPORE DOLLAR	SGD	3.196000	3.011000	3.010000
UNITED STATES DOLLAR	USD	4.019000	3.803000	3.786000

2026-02-16 09:07:07

UAE DIRHAM	AED	109.480000	103.210000	101.010000
BANGLADESH TAKA	BDT	3.490000	3.000000	2.700000
DANISH KRONER	DKK	65.070000	59.770000	59.170000
HONGKONG DOLLAR	HKD	51.520000	47.950000	47.350000
INDIAN RUPEE	INR	4.610000	4.090000	4.090000
INDONESIAN RUPIAH	IDR	0.025100	0.020900	0.015900
JAPANESE YEN	JPY	2.611000	2.498000	2.485000
SRI LANKA RUPEE	LKR	1.490000	1.200000	1.080000
MAURITIUS RUPEE	MUR	10.340000	6.690000	0.000000
NORWEGIAN KRONER	NOK	44.420000	38.510000	37.910000
PAKISTAN RUPEE	PKR	1.590000	1.380000	0.780000
PHILIPPINE PESO	PHP	7.070000	6.400000	5.960000
SAUDI ARABIAN RIYAL	SAR	107.160000	100.870000	97.870000
SWEDISH KRONER	SEK	46.630000	40.520000	40.320000
THAI BAHT	THB	13.990000	11.040000	10.800000
SOUTH AFRICA RAND	ZAR	25.890000	23.220000	23.020000
QATAR RIYAL	QAR	112.080000	101.650000	100.750000
NEPAL RUPEE	NPR	2.940000	2.630000	2.540000
CHINESE RENMINBI	CNY	59.460000	54.210000	0.000000

	Jualan TT/OD	Belian TT	Belian 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
Dikemaskini pada 24/01/2024 9:15 am		Lagi mata wang

Standard Emas	Harga segram (RM)
750	524.36
835	583.79
875	611.76
916	640.42
950	664.19
999	698.45
Dikemaskini pada 16/02/2026 9:00 am	Temui lebih banyak lagi

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	674.18	626.91
Fizikal	697.80	626.91
EasiGold (Kurang daripada RM15,000)	637.998	631.019
EasiGold (Lebih daripada RM15,000)	630.998	632.019
(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
Dikemaskini pada 16/02/2026 9:30 am		Temui lebih banyak lagi

Kami #DiSiniuntukMembantu bagi memberikan gaya hidup lebih baik

Kad Debit-i

Akaun Jangka Tetap-i

Akaun Simpanan-i

Lihat lagi cara gaya hidup yang lebih baik!

Esok lebih baik, bersama-sama.

Pembiayaan Hijau

Ya! Kami Akan Membantu Mencipta Syurga Untuk Anda, Dan Planet Juga.

Pelaburan Hijau

Adakah Projek Mesra Alam Dalam Fikiran? Kami Melindungi Anda!

Gadai Janji Hijau

Ingin Menyokong Perniagaan yang Anda Percayai? Tengok Sini!

Pembiayaan Hijau

Ya! Kami Akan Membantu Mencipta Syurga Untuk Anda, Dan Planet Juga.

Adakah Projek Mesra Alam Dalam Fikiran? Kami Melindungi Anda!

Pelaburan Hijau

Gadai Janji Hijau

Ingin Menyokong Perniagaan yang Anda Percayai? Tengok Sini!

Tunggu, Ada Lagi Untuk Anda!

Kempen Ramadan Terindah Bersama

Health Lane Pharmacy

Beacon Hospital

Tap Spend and Fly to Mexico

Sadaqah Digital Masjid Campaign

Festive Term Campaign

Follow and Win: Golden CNY Challenge

Petrosains

Proton e.MAS 7 PHEV

General Takaful Raya Deals 2026

Save2Win 2026

Bayu Somerset

Gallop to Golden Prosperity

Resorts World Tours

Tap, Tap & Win

Mokkys Pizza

Congratulations Follow & Win Winners

Watsons

ZUS Coffee

Kenangan Coffee

Kadar Penukaran Terkini!

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini.

Kekal Dalam Pengetahuan!

Your Financing Statement 2024 is Now Available!

Important Notice: Reminder for Non-Resident / External Account Holders of i-Muamalat

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

Esok lebih baik,
bersama-sama.