Consumer Banking

Consumer Banking

Saving Account-i

Savings Account-i is a savings account based on Islamiccontract of Qard. Qard refers to a contract of lending money by a lender (Customer) to a borrower (Bank) where the latter is bound to repay an equivalent replacement amount of the lender.

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Current Account-i

Current Account-i is a current account based on Islamic contract of Qard. Qard refers to a contract of lending money by a lender (customer) to a borrower (bank) where the latter is bound to repay an equivalent replacement amount of the lender.

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Basic Savings Account (BSA)

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

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ELITE Savings Account-i (ESA-i)

ESA-i & eESA-i is specially tailored for individuals, aged 45 years and above, retirees and those who plan for early retirement. ESA-i & eESA-i offers high profit rates and other benefits* compared to other savings account (Terms & Conditions apply).

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Muamalat Salary Scheme

This is a term deposit account based on the Shariah concept of Tawarruq / Commodity Murabahah.

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Basic Current Account (BCA)

Basic Current Account-i is a Shariah compliant product. It opens to all Malaysians citizen and permanent residents. This deposit product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor.

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PIDM

PIDM is the Government authority established in 2005 under Akta Perbadanan Insurance Deposit Malaysia (Akta PIDM)

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Fixed Term Account-i

This is a term deposit account based on the Shariah concept of Tawarruq / Commodity Murabahah (i.e. purchase of an asset on a deferred basis either through musawamah or murabahah and subsequently sells the asset to a third party on cash basis).

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Saving Account BeeSTAR-i

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

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Personal Financing-i

Cash-i Muamalat is designed to provide cash financing to the customers for personal consumption

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Mortgage

Our Mortgage has grown SMARTer. Finance or refinance your property with our SMART Mortgage plan*, the SMARTer way to own your dream home

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Muamalat Vehicle Financing

Your choice for Shariah compliant and hassle-free vehicle financing. Enjoy up to 90% financing on your vehicle purchase with the security of our fixed rates.

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Muamalat Auto-Grad Scheme

Graduates, kick-start your career with the vehicle of your dreams! With up to 100% margin of financing, Auto-Grad enables you to own a vehicle without a hefty down payment, allowing vehicle ownership earlier in your career.

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Muamalat Hire Purchase-i

Whatever your dream car may be, Bank Muamalat can help you drive it home in the fastest possible time. Our flexible and comprehensive Islamic hire purchase facility for motor vehicle take care of everything, including comprehensive Takaful coverage and easy on-line payment facilities at 67 branches throughout the nation.

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Ar Rahnu, also known as Ar Rahn, is Islamic pawnbroking for short-term collateralized borrowing. The development of Ar Rahnu in Malaysia provides an alternative pawnbroking service for borrowers, which is in accordance to Shari’ah principles.

NoGold Standard
("Mutu Emas")
Price per gram (RM)
1750216.04
2835240.52
3875252.04
4916263.85
5950273.65
6999287.76

Automated Teller Machine (ATM)

ATMs are convenient, allowing consumers to perform quick self-service transactions such as deposits, cash withdrawals, bill payments, and transfers between accounts.

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Bill Payments

Online bill payment is a secure electronic service that allows customers to pay bills without having to write checks and mail them.

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Wealth Creation / Accumulation

Wealth creation and accumulation is a fundamental part of financial planning and depends on your financial goals, investment temperament, and your preferences.

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Non-Financial Services

We offer additional complementary services for your benefit and well-being, from Quranic learning classes, Islamic travel, to funeral management services.

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Wealth Protection

Financial planning is important because it provides a plan to achieve your financial goals in the different life stages. It is also vital that the plan help you save for emergencies and unexpected crises by providing a financial cushion so that your hard earned wealth, accumulated over the years is protected and secured.

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Wealth Distribution

Acquire the benefits of professional Islamic Estate Planning to protect your assets and ensure peace of mind to your loved ones in the event of unexpected and unforeseen circumstances.

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Mobile Application

i Muamalat mobile application provides ease of banking services at your fingertips.

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Banking has gone online, anytime.
Bank securely at a time and place that suits you.

i-Muamalat Services is available to all Bank Muamalat Malaysia Bhd ATM card holders with individual Savings and Current accounts.

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Pin & Pay and Contactless Transaction

The industry-wide move to replace signature cards with PIN cards has started since from mid-2015. Signature will gradually be phased out as cards and terminals are upgraded.

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Foreign Exchange Administration

The Financial Markets Committee in collaboration with Bank Negara Malaysia (BNM) announced several measures to enhance and deepen the onshore foreign exchange market with effect from 5th December 2016.

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Bill Payment

Online bill payment is a secure electronic service that allows customers to pay bills without having to write checks and mail them.

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Tabung Haji

Performance of Hajj is Wajib. To postpone it without any reasonable excuse is among the major sins. Hajj must be performed in the same year of Istita’ah, and it continues to remain obligatory in the ensuing years as long as it has not been performed.

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Remittances

Move money your way, easy and fast! Western Union MY.

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Zakat

The payment of Zakat becomes obligatory on every sane and mature Muslim and Muslimah whenever there is an economic activity resulting in the net increase in their wealth.

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E-Debit

MEPS e-Debit is an application readily available in your existing Muamalat ATM Card, which can be used for making online payment for goods, services and utilities at point-of-sale.

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Safe Deposit Box

Muamalat Safe Deposit Box is operating on a contract of Al-Ijarah. It is a service rendered by the Bank by renting out the boxes to customers.

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With Wasiat / Wills

Securing the future of your loved ones in times of need. Ensuring your assets are distributed to your chosen beneficiaries in a manner that you desire. Naming a trusted Guardian to take care of your children. Appointing Amanahraya Berhad (ARB) as an Executor to carry out the terms of your Wasiat/Wills.

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Muamalat Motor Takaful

Muamalat Motor Takaful is a simple, safe and easy to use service that allows you to subscribe to a comprehensive Takaful cover for your car, at your convenience. Once you have paid for your Takaful cover using the various online payment options, you will immediately be able to renew your road tax at any of JPJ or Post Offices.

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