Benefits & Rates

Employer:

1. Current Account-i MSalary+:
   – Extra Profit of 0.20% higher than Board Rate for Current Account (Tawarruq) Salary Scheme Non-Individual

   Tier	Profit Rates* (p.a)
   RM0 – RM999.99	0.20%
   RM1,000.00 – RM24,999.99	0.60%
   RM25,000.00 – RM49,999.99	0.80%
   RM50,000.00 – RM99,999.99	1.00%
   RM100,000.00 and above	1.20%

   *Profit Rates are subject to board rate

2. Fixed Term Account-i
   – Higher Profit Rate by 0.10% above Board Rate for minimum 3 months placement tenure
3. Additional benefits:
   – Free IBG charges;
   – Free 2 iBiz Muamalat Tokens for the first two (2) years;
   – Free iBiz Muamalat Subscription Fee for the first year (Applicable only for “Full Mode”)

Employee:

1. Current Account-i MSalary+:
   

   Tier	Profit Rates* (p.a)
   Less than RM5,000	0.00%
   RM5,000 and above	0.30%

   *Profit Rates are subject to board rate

2. Savings Account-i MSalary+:
   

   Tier	Profit Rates* (p.a)
   Less than RM5,000	0.10%
   RM5,000.00 and above	0.30%

   *Profit Rates are subject to board rate

3. SURIA MSalary+ Profit Sharing Ratio (PSR):
   

   Tier	Indicative Profit Rates (p.a)	Profit Sharing Ratio (PSR)
   Less than RM5,000	0.10%	98 (Bank): 2 (Customer)
   RM5,000.00 and above	0.50%	89 (Bank): 11 (Customer)

4. Free MEPS Withdrawals:
   

   Tier	MEPS Waiver
   RM 0 – RM999.99	2 times
   RM1,000 – RM 4,999.99	4 times
   RM5,000 and above	6 times

5. Cyber Theft Coverage:
   

   Coverage	Limit (RM)
   Identity Theft	150
   Online Retail Fraud	300
   Electronic Fund Transfer Fraud	500

   Note: Only for New-to-Bank customers with minimum salary amount of RM2,500 with the coverage period of one year only

6. Waiver of Debit Card Annual Fee of RM 12 for the first year.
7. Discount on Muamalat Gold Account
   – Discount of RM 2 per gram for Muamalat Gold-i Account (MGi)
8. (Optional) Personal Financing
   – Special Financing Rate for Personal Financing

Features

1. Minimum Deposit:
   1. Savings Account-i MSalary+ : RM20
   2. Current Account-i MSalary+ : RM500
   3. Fixed Term Account-i:
      • 1 month: RM5,000
      • 2 months and above: RM1,000
   4. SURIA Salary Scheme: RM100
2. Debit Card-i

Eligibility

1. Employer
   New and existing non-individual employers who fulfill the following requirements of BMMB are eligible for the program:
   1. Opens Current Account-i MSalary+;
   2. Current Account-i MSalary+: RM500
   3. Subscribe to BMMB Retail Internet Banking (RIB) or iBiz Muamalat
2. Employee
   New and existing individual employee who wish to open salary account or individual employed by MSalary+ registered employer that possess the following requirements:
   1. Opens either Savings Account-i MSalary+, Current Account-i MSalary+ or Mudarabah Unrestricted Investment Account (SURIA) MSalary+