• Downloads
  • Branch/ ATM Locator
  • Search

Fixed Return Islamic Account-i (FRIA-i) 45Plus

FRIA-i 45Plus is a fixed return investment account for senior citizen age 45 years and above where the profit rate is made known earlier to the Customer upon application based on the Tawarruq transactions.






Product Details

The concept of Tawarruq
Minimum Deposit
RM1, 000 Monthly profit, half yearly profit, annually profit, maturity profit
RM5, 000 Upfront profit
Tenure 6, 12, 24, or 36 months
Profit rates
The Period
Profit paid on the maturity date (Maturity returns)
Profit paid on the effective date of investments (Upfront returns)
6 months 3.45% 3.40%
12 months 3.75% 3.70%
24 months 3.75% -
36 months 3.75% -


Fixed Profit Rate determined upon placement or renewal of account

Profit payment option
Method of payment The investment period
Upfront returns 6 or 12 months
Monthly 6, 12, 24 or 36 months
Half-yearly 12, 24 or 36 months
Annual 24 or 36 months
Maturity returns 6, 12, 24 or 36 months


Type of account
  • Individual Accounts
    The account is operated directly by individuals aged 45 years and above during account opening.
  • Joint accounts
    The account is operated by a group of individuals is not more than 5 persons (aged 18 years and above) in which the account holder is an individual aged 45 years and above during account opening.

Note: Any changes subject to the Bank's discretion.


Eligibility Criteria

  • Senior citizen age 45 years and above
  • Open for individual account only
  • Types of individual account for this product are classified into:


Individual Account Account that is opened by individual aged 45 years old and above.
Joint Account (Individual)
  • Account opened by a group of not more than 5 persons.
  • The primary holder must be a person aged 45 years old and above during opening an account.

Fees & Charges

Brokerage fee (Withdrawal less than 3 months) Brokerage fee will be charged at 0.05% on the total investment or RM50.00, whichever is lower.
Replacement of lost Investment Deposit Statement / Certificate RM5 per Statement / Certificate


Note: The bank will send at least 21 days notice to customers before any changes is made to the fees and charges.

Notes: The above fees and charges are subject to 6% GST

Download Product Disclosure Sheet

Fee & Charges

Terms & Condition

  • English
  • Bahasa