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.

MSalary+ Business Salary Package – Rewards & Banking Solutions

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	514.92
835	573.28
875	600.75
916	628.89
950	652.24
999	685.88
Updated on 06/02/2026 9:00 am	More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	643.63	598.52
Physical	666.18	598.52
EasiGold (Less than RM15,000)	612.028	605.445
EasiGold (RM15,000 and more)	611.028	606.445
(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 06/02/2026 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	514.92
835	573.28
875	600.75
916	628.89
950	652.24
999	685.88
Updated on 06/02/2026 9:00 am	More details

Gold Standard

Price per gram (RM)

750

514.92

835

573.28

875

600.75

916

628.89

950

652.24

999

685.88

Updated on 06/02/2026 9:00 am

More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	643.63	598.52
Physical	666.18	598.52
EasiGold (Less than RM15,000)	612.028	605.445
EasiGold (RM15,000 and more)	611.028	606.445
(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 06/02/2026 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

643.63

598.52

Physical

666.18

598.52

EasiGold (Less than RM15,000)

612.028

605.445

EasiGold (RM15,000 and more)

611.028

606.445

(*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 06/02/2026 9:30 am

More details

Employer

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

Employee

Term

Description

Segments

New and existing individual customers
Individual staff employed by MSalary+ registered employer

Eligibility

Opens either Savings Account-i (Tawarruq) Salary Scheme, Current Account-i (Tawarruq) Salary Scheme or SURIA

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)
Current	RM10

Profit Rate

Savings Account-i

Tier Profit Rate (p.a.)

Less than RM5,000 0.10%

RM5,000 and above 0.30%
Current Account-i

Tier Profit Rate (p.a.)

Less than RM5,000 0.00%

RM5,000 and above 0.30%
SURIA

Tier Profit Rate (p.a.)

Less than RM5,000 0.10%

RM5,000 and above 0.50%

Benefits

New MEPS waiver + Cyber Theft coverage
- Savings account
- Current account
- SURIA
Balance Tier Free Withdrawal Cyber Theft Coverage Contribution

<RM1,000 2 times RM12.80/year

RM1,000 – RM4,999.99 4 times

RM5,000 and above 6 times

*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
(Additional Benefit) Discount RM2 per gram for MGIA

AUSTRALIAN DOLLAR	AUD	2.814000	2.658000	2.642000
BRUNEI DOLLAR	BND	3.210000	3.022000	3.011000
CANADIAN DOLLAR	CAD	2.941000	2.835000	2.818000
SWISS FRANC	CHF	5.213000	4.984000	4.966000
EURO	EUR	4.819000	4.549000	4.527000
STERLING POUND	GBP	5.496000	5.250000	5.241000
NEW ZEALAND DOLLAR	NZD	2.473000	2.294000	2.279000
SINGAPORE DOLLAR	SGD	3.210000	3.022000	3.021000
UNITED STATES DOLLAR	USD	4.080000	3.858000	3.841000

MSalary+

MSalary+

Product Highlights

Attractive Competitive Rates

Free IBG Charges

Cyber Theft Coverage

Discount for MGIA

Free i-Biz / MCTB Subscription Fee

Free 2 i-Biz / MCTB Tokens

Free MEPS Withdrawal

MSalary+

Employer

Employee

Savings Account-i

Current Account-i

SURIA

Features & Eligibility

Employer

Employee

Terms & Conditions

PIDM brochure

Documents required for account opening

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