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ELITE Savings Account-i (ESA-i)

ELITE Savings Account-i is specially tailored for individuals aged 45 and older with aspirations of retiring early.

Account

ELITE Savings Account-i (ESA-i)

ELITE Savings Account-i is specially tailored for individuals aged 45 and older with aspirations of retiring early.

Highlights & Benefits

Door-to-Door service
Door-to-Door service
Unlimited free MEPS withdrawal

Unlimited free MEPS withdrawal

High profit rates up to 1.68% p.a

High profit rates

up to 1.68% p.a

Waiver on “Half Yearly Service Fee” New Savings Account-i holders will enjoy a waiver on the half-yearly service fee with an average monthly balance of RM1,000 or more.

Waiver on “Half Yearly Service Fee”

New Savings Account-i holders will enjoy a waiver on the half-yearly service fee with an average monthly balance of RM1,000 or more.

Spcial care counter offers priority service for senior citizens.

Spcial care counter

offers priority service for senior citizens.

*The Ceiling Profit Rate (CPR) is 4%

ELITE Savings Account-i (ESA-i)

ELITE Savings Account-i is specially tailored for individuals aged 45 and older with aspirations of retiring early.

Terms Description
Rates
Deposit balance (RM) Profit rate (p.a)
Below RM10,000 1.00
RM10,000.01 –
RM50,000.00
1.25
RM50,000.01 –
RM100,000.00
1.50
RM100,000.01 and above 1.68
How to Apply
  • Click ‘Apply Now’ button
  • Visit the nearest branch
  • Contact Customer Care Line at 03-26005500
MEPS Withdrawal
Deposit balance (RM) Profit rate (p.a)
RM5,000 and below 2 times
RM50,000.01 –
RM100,000.00
4 times
RM100,000.01 and above Unlimited
Minimum deposit RM 1,000
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

 

*The Ceiling Profit Rate (CPR) is 4%
This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM).
* Protected by PIDM up to RM250,000 for each depositor

Features & Eligibility

Individual aged of 45 years old

Individual aged of 45 years old

Malaysians and permanent residents residing in Malaysia

Malaysians and permanent residents residing in Malaysia

Non-Resident and Foreigners

Non-Resident and Foreigners

Joint names shall allowed for applicant aged 45 years and above

Joint names shall allowed for applicant aged 45 years and above

PIDM brochure
Documents required for account opening
Frequently Asked Questions

*Terms and conditions apply.

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Basic Current Account-i (BCA)
Basic Savings Account-i (BSA)
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2025-07-09 08:14:25