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MSalary+

A comprehensive salary package that is designed to elevate rewards for employers and employees.

Banking

MSalary+

A comprehensive salary package that is designed to elevate rewards for employers and employees.

Product Highlights

Employer
Free 2 IBiz Muamalat Tokens

(for first 2 years)

Employer
Free IBG Charges
Employer
Free IBiz Muamalat Subscription Free

(for first year Employer)
*full mode only

Employees
Cyber Theft Coverage

for New-to-Bank (NTB) customers only

*T&C applies

Employees
Auto Financing

Reduced 0.05% per annum from Board Rate

Employees
Ar-Rahnu

Rate of 10.80% per annum

Employees
Personal Financing

up to RM200,000

Employees
Fixed Term Account-i and Term Investment Account-i

Special rate for 12 months

Employees
Discount for Muamalat Gold-i Account

RM2 per gram for Muamalat Gold-i Account

Employees
1x Cash Reward of RM50

*T&C applies

Employees
Credit Card Application

with a fixed profit rate of 14% per annum
coming soon

MSalary+

A comprehensive salary package that is designed to elevate rewards for employers and employees.

Term Description
Segments
  • Sole proprietors
  • Partnership
  • Small & medium enterprises
  • Professional bodies
  • Societies
  • Associations
  • Trade unions & cooperatives
Eligibility
  • Opens Current Account-i (Tawarruq) Salary scheme
  • Subscribes to BMMB i-Biz/MCTB & BMMB Retail Internet Banking (RIB)
Features
Products Min. deposit
Current Account-i RM500
FTA-i
  • 1 month: RM5,000
  • 2 months & above: RM1,000
Profit Rate
Tier Profit Rate (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%
Benefits
  • Free IBG charges
  • Free 2 i-Biz/MCTB tokens for first 2 years
  • Free i-Biz/MCTB subscription fee for first year
    *for full mode only
Term Description
Segments
  • New and existing individual customers
  • Individual staff employed by MSalary+ registered employer
Eligibility
  • Savings Account-i MSalary+; OR
  • Current Account-i MSalary+; OR
  • SURIA Investment Account MSalary+
Features
Products Min. deposit
Current Account-i RM10
(with company offer letter)
Savings Account-i RM20
(without company offer letter)
SURIA RM0 initial placement
(applicable for SURIA only & upon request by employer & approval from the Bank)
Profit Rate
  • Savings Account-i
    Tier Profit Rate (per annum)
    Less than RM5,000 0.05%
    RM5,000 and above 0.25%
  • Current Account-i
    Tier Profit Rate (per annum)
    Less than RM5,000 0.05%
    RM5,000 and above 0.25%
  • SURIA
    Tier Profit Rate (per annum)
    Less than RM10,000 0.10%
    RM10,000 –RM99,999.99 0.50%
    RM100,000 and above 1.00%
Benefits
    Product Benefit
    Auto Financing Reduced 0.05% per annum from Board Rate
    Ar-Rahnu Rate of 10.80% per annum
    Fixed Term Account-i (FTA-i) and Term Investment Account-i (TIA-i) 12 months special rate
    Personal Financing
    • Minimum income of RM2,000
    • Financing Amount : RM10,000 – RM200,000
    • Financing Tenure : 2 – 10 years
    Muamalat Gold-i Account Discount of RM2 per gram
    Cyber Theft Coverage

    Cyber theft coverage will only be offered to New-to-Bank (NTB) customers only with minimum salary amount of RM2,500 for the period of 1 year only

    *Cyber Theft Coverage Contribution = RM12.80/year

    Cash Reward 1x cash reward RM50 after salary crediting, minimum RM3,000 per month for 3 consecutive months for New-To-Bank (NTB) customers
    Credit Card
    (coming soon)
    • Credit card application with fixed profit rate of 14% per annum
    • Unlimited Balance Transfer (based on eligible credit limit)

Features & Eligibility

Employer

New or existing non-individual employers are eligible if they:

  1. Open a Current Account-i MSalary+ (min RM500)
  2. Subscribe to Retail Internet Banking (RIB)/iBiz Muamalat
Employee

New/existing employees who want to open a salary account, or are working with an MSalary+ registered employer who meets the requirements:

  1. Open a Savings Account-i MSalary+, Current Account-i MSalary+, or SURIA MSalary+

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2026-09-18 08:24:42