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Fixed Return Islamic Account-i (FRIA-i)

FRIA-i is a Shariah compliant term deposit account for individual and non-individual Customer aged 18 years and above where the profit rate is made known to the Customer upon application or renewal of account using the Tawarruq transactions.


Eligibility Critera

  • Must be 18 years old and above.
  • Open for individual and non-individual.



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Product Details

Type of Profit Payment
  • Upfront security deposit will be paid on the effective date of deposit.
  • Profit on monthly basis, half yearly, annually or maturity date will be paid on the due date (point to point) deposit.
Tenure 1, 3, 6, 9, 12, 15, 18, 24, 36, 48 and 60 months
Minimum Initial Amount

Tenure/ Returns

Individual/ Non-Individual

Upfront security deposit

RM 5,000

One (1) month

RM 5,000

Three (3) months and  above

RM 1,000

Profit Rate Predetermined fixed profit rate upon opening an account or renewal of account.

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

Fees & Charges

Fees and Charges


Brokerage fee (Withdrawal less than ninety (90) days)

Brokerage fee at 0.05% on the total deposit or RM50.00, whichever is lower, will be borne by the Bank. However this amount will be borne by Customer in the event of premature withdrawal, within ninety (90) days and below, from the date of deposit placement.

Replacement of lost Term Deposit Certificate

Stamp duty of RM10.00 for Letter of Indemnity and RM5.00 per Certificate will be charge.

Replacement of damaged Term Deposit Certificate

RM5.00 per Certificate will be charge.


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 0% GST


Product Disclosure Sheet (PDS)

Fees and Charges