Best Fixed Deposit Promotions and Board Rates In Malaysia
RinggitPlus
2nd December 2025 - 7 min read
Last update: 2 December 2025
Top Fixed Deposit Promotions in Malaysia
Fixed Deposit rates change frequently as banks compete for new customers. It’s always a good idea to look for the latest promotional offers to get the best return. Here are some of the most attractive promotions available right now:
Note: These limited-time promotions are subject to change. While we update the rates monthly or upon receiving new information, please confirm the details with the respective banks before making a placement.
List of Fixed Deposit Promotions
| Bank Promotion | Effective Rate (p.a.) | Deposit Amount | Promotion Period |
| Alliance Bank Privilege Welcome Promo | 3.75% (6 months) | Minimum Deposit: RM 10,000 Maximum Deposit: RM 100,000 (For Alliance Personal Customers) RM 300,000 (For Alliance Privilege Customers) | 1 October – 31 December 2025 |
| AmBank eFixed Deposit /e-Term Deposit-i campaign | Using SAVE3 Reward Code 3.35% (3 months) Using SAVE6 Reward Code 3.50% ( 6 months) Using SAVE12 Reward Code 3.60% (12 months) | Minimum Deposit: RM 1,000 Maximum Deposit: N/A | 1 November – 31 December 2025 |
| AmBank Foreign Currency Fixed Deposit Campaign | Indicative Rates 1 week: 4.10% (USD) / 3.50% (AUD) 1 month: 4.35% (USD) / 3.65% (AUD) 3 months: 4.40% (USD) / 3.70% (AUD) 6 months: 4.20% (USD) / 3.55% (AUD) 12 months: 4.00% (USD) / 3.45% (AUD) | Minimum Deposit: RM 10,000 Maximum Deposit: N/A | 1 September – 31 December 2025 |
| Be U Term Deposit-i Campaign | 3.55% (6 months) 3.65% (12 months) | Minimum Deposit: RM 10,000 Maximum Deposit: N/A | 6 October 2025 – 31 March 2026 |
| Bank Islam Term Deposit-i 2025 Campaign | 3.55% (6 months) 3.65% (12 months) | Minimum Deposit: RM 10,000 Maximum Deposit: N/A | 6 October 2025 – 31 March 2026 |
| CIMB Bank eFD-i Campaign | 3.35% (3 months) 3.45% (6 months) 3.40% (9 months) | Minimum Deposit: RM 1,000 Maximum Deposit: N/A | 31 October 2025 – 1 December 2025 |
| Hong Leong Bank eFixed Deposit / eFixed Deposit-i Promotion | 3.40% (3 months) 3.55% (6 months) 3.60% (8 months) 3.50% (12 months) | Minimum Deposit: RM 1,000 Maximum Deposit: Subject to the prescribed max transfer limit of the relevant bank | 1 December – 31 December 2025 |
| Bank Muamalat FTA-i Bonus Booster | 3.60% (6 months) 3.75% (12 months) | Minimum Deposit: RM 10,000 Maximum Deposit: N/A | 24 July – 31 December 2025 |
| MBSB Term Deposit-i Campaign | 3.40% (3 months) 3.55% (6 months) 3.66% (12 months) | Minimum Deposit: RM 1,000 Maximum Deposit: N/A | 10 October – 31 December 2025 |
| MBSB Term Deposit-i Year End Campaign | 3.70% (6 months) 3.80% (12 months) | Minimum Deposit: RM 1,000 Maximum Deposit: N/A | 1 December – 31 December 2025 |
| Maybank e-Islamic Fixed Deposit-i Promotion | 3.40% (3 months) 3.50% (6 months) 3.50% (12 months) | Minimum Deposit: RM 1,000 (Placement must be made via FPX transfer from other banks) Maximum Deposit: RM 15 million | 24 October – 31 December 2025 |
| OCBC Fixed Deposit/-i Promotion | 3.55% (6 months) | Minimum Deposit: RM 1,000 Maximum Deposit: Premier Banking and Premier Private Client RM 1 million Non-Premier Banking and Premier Private Client RM 200,000 | 24 October – 31 December 2025 |
| Public Bank eFD via FPX Campaign | 3.35% (3 months) 3.45% (6 months) 3.25% (9 months) 3.30% (12 months) | Minimum Deposit: RM 5,000 Maximum Deposit: RM 2 million | 1 October – 31 December 2025 |
| RHB SME Fixed Deposit/ Commodity Murabahah Deposit-i Campaign | 3.45% (3 months) 3.55% (6 months) | Minimum Deposit: RM 50,000 Maximum Deposit: N/A | 1 September – 31 December 2025 |
| Standard Chartered Fixed Deposit / Term Deposit-i campaign | 3.50% (12 months) | Minimum Deposit: RM 30,000 Maximum Deposit: For SC Priority Private customers: RM 1 million For SC Priority Banking customers: RM 1 million For SC Non-Priority Banking customers: RM 200,000 | 1 October – 31 December 2025 |
List of Fixed Deposit Bundled Promotions
| Bank Promotion | Effective Rate (p.a.) | Deposit Amount | Promotion Period |
| Alliance Bank FDINVT campaign *For Alliance Privilege customers. | For a 3-month tenure: Unit Trust / FD Ratio (1:1) 7.50% Retail Securities / FD Ratio (3:1) 6.50% Structured Investment / FD Ratio (3:1) 6.50% | Minimum Deposit: Unit Trust: RM 10,000, or 10,000 in foreign currency denomination Retail Securities: RM 250,000, and RM 150,000 in foreign currency denomination Structured Investment: RM 50,000 Maximum Deposit: N/A | 5 May – 31 March 2026 |
| Al Rajhi Bank Special Rate Commodity Murabahah Term Deposit-i Investment Campaign | For a 6-month tenure: Unit Trust / FD Ratio (2:1) 4.00% | Minimum Deposit: RM 1 million Maximum Deposit: N/A | 1 October – 31 December 2025 |
| MBSB Bank Term Deposit-i and Unit Trust Campaign | For a 3-month tenure: Unit Trust / FD Ratio (1:1) 5.88% | Minimum Deposit: Unit Trust: RM 20,000 (+ 2.50% sales charge) Term Deposit-i: RM 20,000 Maximum Deposit: N/A | 17 September – 31 January 2026 |
| Be U MaxCash Campaign | TD-i/ Al-Awfar Ratio (70:30): 5.20% (6 months) 5.40% (12 months) | Minimum Deposit: RM 10,000 (RM 7,000 for TD-i, RM 3,000 for Al-Awfar) Maximum Deposit: N/A | 13 October 2025 – 28 February 2026 |
| Alliance Bank Bancassurance Fixed Deposit Bundle *For Alliance Privilege customers | For a 3-month tenure 4.50% (with a minimum annualised premium of RM 25,000) For a 6-month tenure 5.50% (with a minimum annualised premium of RM 50,000) | Minimum Deposit: RM 1,000 Maximum Deposit: N/A | 1 October – 31 December 2025 |
| BSN Term Deposit-i bundle with BSN SSP | For a 6-month tenure BSN TD-i/ BSN SSP Ratio (70:30): 5.15% | Minimum Deposit: BSN Term Deposit-i: RM 3,500 BSN SSP: RM 1,500 Maximum Deposit: N/A | 1 August – 31 December 2025 |
| Public Islamic Bank Bundling Campaign | TD-i/ CM Savings Account-i/ CM PB MySalary Savings Account-i/ “CM Basic Savings Account-i Ratio (60:40) 4.00% (6 months) 4.50% (12 months) | Minimum Deposit: RM 10,000 (RM 6,000 for TD-i, RM 4,000 for the participating Islamic account) Maximum Deposit: N/A | 10 October 2025 – 31 January 2026 |
| RHB Bancassurance / RHB BancaTakaful-Fixed Deposit / Commodity Murabahah Deposit-i Campaign | FD / CMD-i Placement Ratio (1:1) Selected Life Regular Premium/ Contribution: RM 10,000 6.88% (3 months) 5.38% (6 months) RM 50,000 8.88% (3 months) 6.38% (6 months) RM 500,000 10.88% (3 months) 7.38% (6 months) RM 1,000,000 12.88% (3 months) 8.38% (6 months) | Minimum Deposit: Following the selected Life Regular Premium/ Contribution stated. Maximum Deposit: N/A | 1 October – 31 December 2025 |
| RHB Bank Investment and Term Deposit Bundle Campaign | 9.00% (1 month) 5.15% (3 months) | Minimum Deposit: Unit Trust and Fixed Deposit/ Commodity Murabahah Deposit-i: RM 30,000 (With a minimum investment of RM 30,000) Amanah Saham Nasional Berhad: RM 10,000 (With a minimum investment of RM 10,000) Direct Bond/ Sukuk and Fixed Deposit/ Commodity Murabahah Deposit-i: RM 83,333 (With a minimum investment of RM 250,000) Structured Investment and Fixed Deposit/ Commodity Murabahah Deposit-i: RM 16,666 (With a minimum investment of RM 50,000) Maximum Deposit: N/A | 1 October – 31 December 2025 |
Best Fixed Deposit Accounts (Board Rates)
Here’s a roundup of this month’s updates to the best fixed deposit accounts in Malaysia.
- Overall, Islamic FDs remain the champions in offering higher returns than Conventional FDs.
- For a 1-month FD, most banks require a minimum deposit of RM5,000, but Al-Rajhi Commodity Murabahah Term Deposit-i only requires RM1,000.
- As of December 2025, Al-Rajhi Bank offers the highest return rates for a 1-month short-term FD, while Agrobank provides the highest return rates for long-term FDs.
Original article follows below.
“What’s the best fixed deposit in Malaysia?” It’s one of the most common questions we hear from Malaysians who want a stable and secure form of savings. With its combination of zero risks, guaranteed returns, and the flexibility of choosing the duration of the deposit, many turn to fixed deposits as a reliable form of short to medium-term savings.
Most fixed deposit accounts in Malaysia are also regulated by Perbadanan Insurans Deposit Malaysia (PIDM), which gives protection for your investment in the unlikely event of a member bank failure. So when identifying which fixed deposit account to put your money in, the main points of consideration should be interest rates, minimum deposit amount, and whether they are insured by PIDM.
Here are the highest interest fixed deposit accounts in Malaysia, arranged by duration. The tables below will be updated every month.
Top 1-month FD rates in Malaysia
| Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
| Al-Rajhi Commodity Murabahah Term Deposit-i | RM1,000 | 2.65% | RM22.08 | PIDM |
| Agrobank Fixed Return Islamic Account-i (FRIA-i) | RM5,000 | 2.50% | RM20.83 | Malaysian Government |
| UOB Fixed Deposit | RM5,000 | 2.15% | RM17.92 | PIDM |
| Alliance Islamic Term Deposit-i | RM5,000 | 2.10% | RM17.50 | PIDM |
| Bank of China Fixed Deposit Account | RM5,000 | 2.00% | RM16.67 | PIDM |
Top 3-month FD rates in Malaysia
| Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
| Agrobank Fixed Return Islamic Account-i (FRIA-i) | RM1,000 | 2.80% | RM70.00 | Malaysia Government |
| Al-Rajhi Commoditiy Murabhah Term Deposit-i | RM500 | 2.75% | RM68.75 | PIDM |
| BSN Term Deposit | RM500 | 2.30% | RM57.50 | PIDM |
| OCBC MYR Fixed Deposit | RM1,000 | 2.25% | RM56.25 | PIDM |
| Bank of China Fixed Deposit Account | RM1,000 | 2.20% | RM55.00 | PIDM |
Top 6-month FD rates in Malaysia
| Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
| Agrobank Fixed Return Islamic Account-i | RM1,000 | 3.05% | RM152.50 | Malaysian Government |
| Al-Rajhi Commodity Murabahah Term Deposit-i | RM500 | 2.85% | RM142.50 | PIDM |
| Alliance Islamic Term Deposit-i | RM500 | 2.40% | RM120.00 | PIDM |
| UOB Fixed Deposit | RM500 | 2.35% | RM117.50 | PIDM |
| Standard Chartered Fixed Deposit | RM1,000 | 2.25% | RM112.50 | PIDM |
Top 9-month FD rates in Malaysia
| Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
| Agrobank Fixed Return Investment Account-i | RM1,000 | 3.15% | RM236.25 | Malaysian Government |
| Al-Rajhi Commodity Murabahah Term Deposit-i | RM500 | 2.90% | RM217.50 | PIDM |
| UOB Fixed Deposit | RM500 | 2.45% | RM183.75 | PIDM |
| BSN Term Deposit | RM500 | 2.40% | RM180.00 | PIDM |
| Bank Rakyat Term Deposit-i Account | RM500 | 2.30% | RM172.50 | PIDM |
Interested in opening an FD account? We have a guide on how to open a fixed deposit account in Malaysia just for you.
Additionally, check out our Fixed Deposits and Islamic Fixed Deposits pages, where you’ll find the latest fixed deposit board rates in Malaysia, as well as a useful fixed deposit calculator.
About THE AUTHOR
RinggitPlus
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Best Fixed Deposit Promotions and Board Rates In Malaysia
We provide monthly updates on the best fixed deposit promotions in Malaysia with tables showing the top 5 board rates for the duration of 1, 3, 6, 9, and 12 months.
Comments (122)
the best is still with bank FD.. RM2m, you can negotiate with bank for a better rate.. not recommended for Unit Trust unless you are willing to expose to certain risk with your hard earn money (high risk, high return).. alternatively, look for Trust (not Unit Trust) for secured yearly return..
if you can negotiate to get 4.5% p.a on your FD, you will be getting RM7.5k monthly with your RM2m as a initial fund.. safe and worry free.. wait until you have extra fund, then you can go for other investment portfolio..
Thanks for sharing your insight! You’re right, an FD is a safer option for secure returns, especially if you can negotiate a good rate. Unit Trusts do offer higher returns but come with more risk. A Trust can also provide a more stable yearly return. It’s a great idea to start with something safe and then diversify as your funds grow.
Pinjaman duit
Anda boleh ke laman web kami dan semak pinjaman peribadi yang bersesuaian dengan anda. Atau, anda boleh emel kami untuk bantuan selanjutnya.
Please done remove your money from EPF, banks will never pay you dividends, interest more than EPF pays.
From my experience
Thanks for sharing your experience and advice! When it comes to finances, it’s crucial to weigh all options carefully. Everyone’s situation is different, so it’s wise to look into both EPF benefits and other investment opportunities.
thank
You’re most welcome. =)
how is it ,there is no mention of BSN FD at 5.7 % this month ,or Bank Islam at 5.5% ? any comments?
It’s there – under the Promos table right at the start of the article 🙂
invest in Maybank shares with approx. 6.1% dividend annually and you can also have capital returns.
there is no max. amount to invest.
Thank you for sharing! It’s a promising opportunity. =)
going to retire soon. going to look for good investment or FD rate. dont have EPF so cant park it inside.
any good recommendation?
the fund i have is around 10m.
cheers.
You can consider diversifying your investments across stocks, bonds, real estate, and fixed deposits. Consult a financial advisor for personalized guidance based on your goals and risk tolerance.
You can consider investing in me.
Try to put in bank’s FD, I was told banks’ VIP got good FD rate so you don’t have to switch banks for it’s FD Promo… but put in EPF is a better options cause now FD around 3-4% and EPF got average 6%. Don’t recommend unit trust myself cause you don’t have control.
if you guy have children, put your money in SSPN ( joint acct with your Children ). T
he return is much better the bank FD rate at the same time you can get tax rebate.
6 month not accurate. I calculated BSN Term Deposit-i + SSP platinium campaign is still the highest at almost 4% p/a
5.88%
Alliance offer FD 4.2% pa, this should be the quite high rate the list with no investiment requirement. Why this is not call out in author’s summary? Just wonder.
For Alliance you need to place FD with other investment product.
why all fixed deposit for individuals no companies ?
The above is outdated. PB is only 3.8% for 12mths since 12th July 2023
Is it safe to deposit of over RM2m to public bank fd personally?
You will be marked for kidnapping….
Current safe and best bet for you monies still keep them safe in your EPF, unless the EPF changed their policy to force everyone and allow only monthly widrawer and No more One lump sum and flexible widrawer any Time you want like current practise.If government can suka suka change their policy,then better keep your hard earned monies outside of EPF.
Your best option is to leave them in EPF. Visit EPF to apply a fixed monthly of your choice and that’s it.
What’s min epf Fixed monthly?
Can someone explain about the 6months & 12 months FD which one is better?
MBSB Bank offrering 4.3 % effective rate as of now April 25th 2023
Now BSN is High rate 5.8% untill 15 ogos 2023.
Life is too short the world is wide.. I would’ve spent some.
Do spend in Malaysia. Thank you
Malaysia is boring shit place. I will rather stay at home turn on air cond and watch Netflix. Just spent RM30k in Japan for Sakura season this year. Worth every cent.
Hi Agrobank have promo until 24/2/2023. 4.25% for 12 months, 4.1% for 6 months.
Are all the banks now asking to register CRS before u can place a fix deposit ? And why ?
Which is best investment platform FD or Unit trust? with low risk
Lowest risk is FD. So depends on your appetite
I AM SO HAPPY FOR THE DETAILS FIX DEPOSIT INFORMATION AND I ANALYSIS FIRST ,THANK YOU.
For sure will go maybank bcs I heard that it is shariah compliant + their rates is 3.85%, who wouldn’t want that?
If I’m nit mistaken maybank has other promos to like fresh funds (28/11-7/12) and their rates are superb
Yup, saw the flash deal. Keep an eye out for our updated FD promo for December post tomorrow!
Foreigners can apply for Sg Gov Treasury Bill for 6 months or 12 months, In Dec I placed S$600k in treasury bill at 4.4% cut-off year, equivalent to 4.5% per annum.
that one with 3.85%? yeaaaa that deal is very tempting, might place funds on maybank soon
Deal for 6 months
AM Bank 4.5 for 18mnths
Acquire a shop house and rent it out. Make sure the rental can generate RM8k a month.
better return rate if buying a factory lot
The FD interest rate is higher now
Yup maybank offer as high as 3.85% for fresh funds. Crazy deals !!
MBSB bank giving 3.6% on 12M basis
Affin has good promotional 6,9,12m FD rate too(I can’t find online, but visible when I apply new FD).
Why considering FD where you have the EPF who offers 6% annually?
because FD is not liquid enough la
Problem with EPF can only invest $60k per year.
It has been increased to RM 100k now!
The best FD rate bank offer ?
How about UOB?
uob has good rate.with monthly interest payout..
hi there, pls advise best bank interest FD rates for RM 50K or RM 100K for 2 years, pls share
Latest updated & promo FD term rate.
Thank you.
Hi, for the top 1 month FD rates, is no. 1 Bank Rakyat or Bank Muamalat? Thank you.
Hi is it possible to put 1bil in FD for 12months?
You know how much is 1 billion? Here, we talk about millions and even at 2M, people Will misconstrue you as boasting! If 1 billion, which is 1,000,000,000.00, you will be listed as one of the richest men in Malaysia!
Hi, what is the interest rate in Public Mutual unit trust money market ?
For 200’000 rm pls inform public mutual interest rate
local banks gives pathetic interest rate. Where else overseas investment s gives 6 to 7 precent per month!!!
Park inside EPF.
yah – Japan offers close to zero rate
pakistan with 14% interest rate lol
Yeah but is their central bank governing the safety of your money?
Tomorrow your money may disappear like Alibaba.
Hi, is the OCBC FD rate 2.9% until the end of Dec 2020?
ambank got new promo 2.98% 9 months until year end only
Inform me the best All FD offer by banks
Other products offer are also welcome
I am retiring soon. Looking to park my pension Rm2m approx in a safe product with monthly devidents of Rm8k.
Any ideas?
Public Mutual have product called unit trust money market which provide dividend every month with no sales charge, if you interested to know further, let me know. I’m please to help
what is the name of the fund??
Keep in your EPF, bullshit just want to eat your money.
correct keep tight in kwsp. hahahaha those banker are suckand unprofessional
Although unit trusts do give dividends but the nett asset value (NAV) is adjusted to a lower value accordingly. If you reinvest the dividend, you end up with exactly the same value but with more units at a lower adjusted NAV. If you take out the dividend, your fund value becomes lower. Profits from unit trust have to come from capital appreciation of NAV due to stock or bond appreciation.
Yes, true. Don’t invest in unit trust. Keep in EPF.
agreed
Don’t trust any unit trust package, invested for more than 10 years with poor single digit return!
True
I am taking the public mutual agent to SIDREC. Do you want to do the sane? Maybe join the bandwagon.
You better off stick with EPF, which gives about 100k annual return which you want to.
He need monthly withdraw ….EPF can withdraw monthly?
Yes you can request monthly withdrawal.
Can
He can coz he is a retiree soon
Can be arranged with EPF .
Can withdraw daily, 30k per day
Yes you can . Even now as long as you have > 1 million you can take the excess out any amount any time. I have 2.2 million in EPF and take 5 to 7k every month and I am 52
Epf only accept RM60k voluntary contribution annually only… not 2M. There is no way RM8000/month with RM2M. Unless you are good in stock market. Equity and unit trusts bonds all depreciating in this pandemic period. No interests incomes can be fixed. Except conventional bank FD only. Interest rates are still very low.
Got.
There are a few depending on your risk appetite.
EPF has increased the volunteer contribution to 100K last year 2023
All bull shit! Those who have millions, they don’t boost ! Only those with millions of Rupiah, they think they have lot of cash money 💰! I have only a million over , no one knows that I am drawing ~8k+ monthly , including my pension. I have heard many said they have millions but everyday looking for free vegetarian lunch! If spending money from his pocket, nasi lemak ikan bilis lah or ask for a free treat from aquantance. What a Shame! Kepala bapa dia , Idiots!
When it comes to fixed deposits, it’s all about finding what works best for your money.
I think they are not boasting! They just want you to know that with 1M or 2M in EPF, how much they are able to withdraw per month. For example, if you have 2M in EPF, a year’s dividend at 5.6% is RM112,000. If you divide by 12 months, each month you can spend RM9,333. This is what my brother is getting! As for me, i live on government’s pension of RM10K+ a month (sorry, I am not boasting, but this is what I actually get as I was in my JUSA C scale and my pension is 60% of… Read more »
If you have 2M, and the interest is 5.6%, then you can actually withdraw 9K+ per month (from your dividend)!!! Please use your calculator ya!
U cannot deposit 2m
Please read properly, nobody says he/she deposits 2M at once, but you may do so cumulatively over the years. Formerly, you can only deposit a max of 60K per year. However, in 2023, it has been increased to 100K per year. Got it?
Agree
This is absolutely for sure!
He said that the 2m is his pension money. Not EPF money. So, How can you deposit 2 million into EPF?
If u can have 2m pension but don’t know where to park it.. U likely don’t belong to blue collar group and not have the 2m
What’s the point of saying this? 🤦🏻♂️
hahahahahhaha
Totally agree . Big boast !
All Banks and Insurance companies are regulated under BNM, instead insurance one step forwards not only given dividends and Interest . Perhaps given coverage as well.
Rule of thumb: Insurance/Takaful meant for coverage purposes not investment.
Yeah, there are product linked to the investment platform, but still cannot rely there to get good profits.
Uncle go buy ETF…average 7-10% p.a.
or leave it in EPF average 6%/p.a. roughly 120K/yr
low risk and reasonable return
or go buy a few 300k house and collect rent..reasonable yield and future house appreciation.
Good luck
Epf already can more than meet the rm8000 per month Martin requires.
300k can get ard 300sf for new projects
EPF
EPF only allowed max 60K deposit per year. For RM2M, he needs 33 years to deposit all in 😛
put in EPF…little did I expect that there are so many kind soul here asking you to park in EPF…pls listen to them…dont listen to those asking you to invest.
Cause we learn from the pain of losing money listening to the half baked unit trust investment experts and lose money from epf withdrawal.
EPF is my best choice
Perhaps can consider ASNB
Ambank now offer 3.70% for 6 months. Minimum 10k – 5k eFD, 5k saving. if you feel this money is excess, can try depositing. but, for 6months you can’t withdraw ya
For those high income earners, it is possible to accumulate 2M on retirement .
Assuming the 2M had been accumulated in EPF through the years and he keeps in EPF to earn the dividend, at 5.5 % he will have annual dividend of 110, 000 which he can withdraw montly at 9, 1666.66