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Overview

At Bank Muamalat Malaysia, we offer an extensive range of Shariah-compliant gold investment solutions designed to meet your financial goals at every stage of life.

Investment

Overview

At Bank Muamalat Malaysia, we offer an extensive range of Shariah-compliant gold investment solutions designed to meet your financial goals at every stage of life.

Gold Investment

At Bank Muamalat Malaysia, we offer an extensive range of Shariah-compliant gold investment solutions designed to meet your financial goals at every stage of life.

  • Medium to Long-Term Investments – Muamalat Gold-i(MG-i) Physical and MG-i Account
  • Short-Term Investments – EasiGold
  • Hybrid Gold Offering (Unitised) – MiGold

Whether you prefer the security of physical gold, the flexibility of digital accounts, or the ease of hybrid solutions, Muamalat Gold Investment ensures you enjoy flexibility, transparency, and peace of mind.

Plus, with our new EZ-Zakat feature, your investments are seamlessly aligned with your faith while helping you preserve and grow wealth with real value.

Why Choose to Invest in Gold with Bank Muamalat?

  1. Shariah-Compliant and Ethical
    All our gold investment products — from physical gold to gold accounts — are fully vetted by our Shariah Committee to ensure compliance with Islamic principles. Invest with confidence, knowing your wealth is managed ethically and responsibly.
  2. Multiple Investment Options
    Whether you prefer holding real gold bars, saving digitally, or investing via our mobile platform, we offer Muamalat Emas-iPhysical, Muamalat Emas-iAccount, and EasiGold to suit your lifestyle and financial goals.
  3. Low Entry, High Flexibility
    Start your gold journey with as little as RM10. Buy, sell, and track gold prices with ease via your mobile or online banking – anytime, anywhere.
  4. EZ-Zakat Integration
    Our EZ-Zakat Muamalat Emas-ifeature automates your zakat obligations. Once your gold investment meets the haul and nisab, your zakat is auto-deducted and paid to relevant Islamic authorities — helping you fulfil the 3rd pillar of Islam, effortlessly.
  5. Real-Time Pricing & Transparency
    Enjoy transparent pricing with real-time gold market rates. No hidden fees, no complex jargon — just straightforward investing.
  6. Trusted Islamic Bank Since 1999
    With over two decades of serving Malaysians, Bank Muamalat is a trusted name in Islamic finance. Your gold investments are secure with us — backed by integrity, innovation, and Islamic values.
    At Bank Muamalat, we offer the best solutions for your gold investments.
  7. Need Fast Cash, Ar-Rahnu Service
    Bank Muamalat is the only bank where gold customers benefit from a complete gold ecosystem. Need short-term funds? Simply pawn your gold (Ar-Rahnu) with up to 80% margin of advance — or use it as collateral for longer-term financing. With us, your gold is as good as cash

Build Wealth with Real Gold. The Muamalat Way.

Start Your Gold Journey Today

 

Digital Mobile Platform

Buying Gold has just gotten easier! Now you can conveniently buy gold anytime, anywhere simply through your smart mobile phone. Just download the EasiGold App with your mobile smart phone and boost your gold investment today.

EasiGold is the first fully digital mobile application gold investment platform by a full-fledged Islamic Bank that provides among others, live and competitive pricing with features such as price alert, statement history, and tracking logistics status for gold conversion. Keep the gold, or convert to physical form which includes 1 Dinar and 5 Dinar.

EasiGold is a Shariah compliant mobile application gold investment business platform developed by ACE Capital Growth Sdn Bhd (ACE) and marketed by Bank Muamalat.

 

*Terms and Conditions

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*Product Disclosure Sheet

Download here

Easi GOLD Flyers

Download here

*User Guide

Download here

Investing For Your Future

M-Elite Privilege rewards customers who maintain a minimum balance of 1kg in their Gold Account with reward points on all gold purchases within the financial year.

Customers may redeem special gifts from a selection of unique Perth Mint commemorative collectibles and other gift options or choose to convert the points to an equivalent value in Muamalat Gold-i Account.

 

Terms & Conditions

Download here

M-Elite Redemption catalogue

Download here

M-Elite Redemption Form

Download here

Investing For Your Future

At Bank Muamalat, we look at your wealth management needs from a holistic perspective that endeavours to strike a balance between your financial demands and spiritual aspirations. To ensure you fulfil the requirements of the 3rd pillar of Islam, we provide an automatic zakat service specifically for your gold investments.

EZ-Zakat Gold is a facility that will auto calculate the amount of zakat payable from a Muamalat Gold-i Account once it has reached the required haul and nisab. The amount is then deducted automatically and paid to the respective State Islamic Religious Centre. Presently, the states which are on board are Wilayah Persekutuan, Kelantan and Pahang.

So, sign up for EZ-Zakat Muamalat Gold-i at your branch and enjoy peace of mind.

 

 

MGi Ez-Zakat Flyers

Download here

FAQs about Bank Muamalat's Gold Investment

Bank Muamalat’s Gold Investment Account-i is designed to offer gold products that are certified Shariah-compliant, meaning the investment follows Islamic guidelines and does not involve prohibited practices.

Key Shariah concepts for Bank Muamalat’s Gold Investment Account-i include:

  • Wakalah: A contract where the customer appoints Bank Muamalat as their agent to manage and secure their gold.
  • Bai` Sarf: An exchange contract involving money or valuable assets like gold, in compliance with Shariah.
  • Aqad: An Islamic contract detailing the sale of gold, including offer, acceptance, and terms. Customers must review and agree to these terms, as cancellations or refunds are not permitted after acceptance.
  • Wa`d: A unilateral promise where the Bank undertakes to buy back or sell the gold in the future, possibly as part of a promotion.
  • Hibah: A gift transfer where ownership of the gold is given to another without any exchange. Once possession is taken, the transfer cannot be revoked.

To identify the most suitable gold investment product, review the available options and select those that match your financial goals and risk tolerance. For personalized advice, feel free to contact our customer service team.

To be eligible for Bank Muamalat’s Gold Investment Account-i, you must:

  • Be at least 18 years old
  • Be a Malaysian citizen
  • Hold a Bank Muamalat account

The outcomes or returns on gold investment can vary based on gold price fluctuations, investment duration and market conditions. Gold is generally considered a stable investment, but returns can be impacted by market volatility. 

To open a Bank Muamalat Gold Investment Account-i, you will need:

For Individuals:

  • Copy of MyKad, MyTentera, Army ID, or Police ID

For Non-Individuals (Businesses/Organizations):

  • Copy of Business or Organization registration card

Aside from the above, you may need to provide any other documents as required by Bank Muamalat.

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Muamalat Gold-i Physical
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2026-08-07 08:27:13