25th September 2026 - 3 min read
Bank Negara Malaysia has kept the Overnight Policy Rate (OPR) at 2.75% since July 2025. For cash you won’t need for a while, fixed deposit promotions are still the easiest way to earn more. MBSB Bank’s latest campaign pays up to 3.85% p.a.
From 22 September to 31 October 2026, MBSB Bank has revised the campaign rates on its Term Investment Account-i (TIA-i) and Term Deposit-i (TD-i). You’ll need at least RM1,000 to place in either, and both come in 6-month and 12-month tenures. The campaign rates are for new money brought in from another bank. If you’re renewing money already with MBSB, you’ll need to add at least RM1,000 on top to get the campaign rate.
| Product | Tenure | Campaign Rate (% p.a.) |
| Term Investment Account-i (TIA-i) | 12 months | 3.85 |
| Term Investment Account-i (TIA-i) | 6 months | 3.80 |
| Term Deposit-i (TD-i) | 12 months | 3.83 |
| Term Deposit-i (TD-i) | 6 months | 3.80 |
You can open either account online at MBSB or at any MBSB Bank branch.
The highest rate is on the 12-month TIA-i, which is an investment account. The TD-i is a deposit.
The TIA-i’s 3.85% p.a. is an indicative profit rate. It’s the rate MBSB expects to pay, based on how the investments behind the account perform. As with other investment accounts, MBSB doesn’t guarantee the money you put in. If you take it out early, you’ll get 10% of the profit within the first seven days, or 50% after that. Investment accounts also aren’t covered by PIDM.
The TD-i’s 3.83% p.a. is fixed from the day you place your money, and PIDM protects it up to RM250,000 per depositor at each bank.
On RM10,000 over 12 months, the TIA-i would pay RM385 and the TD-i pays RM383, a difference of RM2 a year. On RM100,000, the difference is RM20. For six months, both pay the same 3.80% p.a. If you’d like a fixed rate and PIDM protection, the 12-month TD-i gives you both.
If you won’t need the money for a full year, the 12-month TD-i pays more. RM10,000 in the 6-month TD-i earns RM190 when the six months end. Under MBSB’s campaign terms, the campaign rate applies to the first placement only. When it renews, your money earns MBSB’s normal rate, currently 2.10% p.a., or another RM105 over the next six months. That’s RM295 for the year, against RM383 in the 12-month TD-i.
If you’d like your money back sooner, the 6-month TD-i gives you that. Do note that the TD-i pays no profit if you take the money out before the tenure ends.
If you have RM1,000 or more set aside for a year and you’d like a Shariah-compliant account, the 12-month TD-i at 3.83% p.a. is the one to look at. On RM10,000, that’s RM383, against RM210 at MBSB’s normal 12-month rate of 2.10% p.a. If you’re comfortable with an investment account, the 12-month TIA-i at 3.85% p.a. is the other option.
The campaign ends on 31 October 2026, so you have about five weeks to sign up. Before you do, compare it with other banks’ current offers on our best fixed deposit promotions page and our Islamic fixed deposit comparison.
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Christina writes about personal finance with an eye for making the complicated feel straightforward. She is drawn to the everyday money decisions people face and genuinely enjoys finding the clearest way to explain them. Between articles, she is probably napping, on a hiking trail, or terrorising her sister’s cats.
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