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Basic Savings Account-i (BSA)

A Shariah-compliant savings account tailored for everyday Malaysians. Start with as low as RM20 and enjoy full debit‑card, mobile, and internet banking access with no monthly fees.

Account

Basic Savings Account-i (BSA)

A Shariah-compliant savings account tailored for everyday Malaysians. Start with as low as RM20 and enjoy full debit‑card, mobile, and internet banking access with no monthly fees.

Highlights & Benefits

Debit Card Full Debit Card functions

Debit Card

Full Debit Card functions

i-Muamalat Mobile Full access to i-Muamalat Mobile apps

i-Muamalat Mobile

Full access to i-Muamalat Mobile apps

i-Muamalat Internet Banking Full access to i-Muamalat Internet Banking

i-Muamalat Internet Banking

Full access to i-Muamalat Internet Banking

Existing customers are now able to open a new account via i-Muamalat no joint account allowed

Existing customers are now able to open a new account via i-Muamalat

no joint account allowed

*Profit rate of 0.05% p.a

Basic Savings Account-i (BSA)

A basic savings account which is economical and provides privileges to all Malaysians and permanent residents.

Term Description
Ceiling Profit Rates (CPR) 4% (Basic Savings Account-i Tawarruq)
How to Apply
  • Click ‘Apply Now’ button
  • Visit the nearest branch Contact Customer Care Line at 03-26005500
Minimum deposit RM 20
Minimum balance in account RM 10
Services for Eligible Customers
  • Free account enquiry
  • Free debit card (physical & virtual for digital banks)
  • Free replacement for faulty debit card (not customer’s fault) *Up to RM12 for lost/damaged cards
  • Funds transfer services that follow the rules under the Interoperable Credit Transfer Framework (ICTF).
  • Free intra-bank bill payment
  • Full access to i-Muamalat app & internet banking
  • Free cash withdrawals & deposits (including coins) at:
    1. Bank counters
    2. Muamalat ATMs, CDMs & SSTs
      *Charges apply for other banks’ machines
  • Free account statements (e-copy or hardcopy)
  • Passbook upon request
  • If a BSA or BCA account holder wants to reactivate their dormant account before it’s closed or marked as unclaimed money, no reactivation fee will be charged.

 

This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM).
* Protected by PIDM up to RM250,000 for each depositor

Features & Eligibility

Individualss  Residents and non-residents (Must be 18 years or older) Trust accounts for children below 18 years old

Individualss

  • Residents and non-residents (Must be 18 years or older)
  • Trust accounts for children below 18 years old
Non-Individualss Clubs/ Societies/ Associations/ Institutions other than firms, corporations and other business enterprise/ Small and Medium-sized enterprises (SMEs)/ Trust accounts (e.g., solicitor’s client accounts)

Non-Individualss

Clubs/ Societies/ Associations/ Institutions other than firms, corporations and other business enterprise/ Small and Medium-sized enterprises (SMEs)/ Trust accounts (e.g., solicitor’s client accounts)

PIDM brochure
Documents required for account opening

*Terms and conditions apply.

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2025-07-11 08:24:42