Bank Islam Malaysia Berhad has introduced the Be U MaxCash Campaign, offering Malaysians an opportunity to earn competitive profit rates through its Be U digital banking platform. The campaign runs from 13 October 2025 to 28 February 2026.

Participants can earn up to 5.4% per annum through a combination of Be U Term Deposit-i (TD-i) and Be U Al-Awfar investments. For the six-month tenure, the Be U TD-i rate is 5.2% per annum, combined with an Al-Awfar indicative rate of 0.04% per annum, giving an effective return of about 3.65% per annum. For the twelve-month tenure, the Be U TD-i rate is 5.4% per annum, with the same Al-Awfar indicative rate, resulting in an effective return of about 3.79% per annum.

Who Can Join The Be U MaxCash Campaign

The campaign is open to Malaysian citizens aged 18 and above, including both new and existing Be U users. To participate, customers must have an active Be U Al-Awfar account with a minimum balance of RM10,000.

Participation is limited to individual customers. Businesses, partnerships, and organisations are not eligible. New users can open a Be U Al-Awfar account through the Be U app before joining the campaign.

How The Campaign Works

To participate, customers must first deposit a minimum of RM10,000 into their Be U Al-Awfar account. The amount will then be automatically divided, with 70% placed in Be U Term Deposit-i and 30% remaining in Be U Al-Awfar. This structure allows participants to receive a fixed profit rate from Be U Term Deposit-i while continuing to earn indicative returns from Be U Al-Awfar during the campaign period.

Profit And Withdrawal Conditions

Profits from Be U Term Deposit-i will be credited into the customer’s Be U Al-Awfar account once the deposit matures. Partial withdrawals from Be U Term Deposit-i are not permitted during the campaign. However, early withdrawal from the Be U Al-Awfar portion is allowed by submitting a request through the MaxCash dashboard.

Customers should note that no profit will be paid for premature withdrawals from Be U Term Deposit-i, and the campaign’s expected effective rate will no longer apply if funds are withdrawn before maturity.

Security And Shariah Compliance

Be U Term Deposit-i and Be U Al-Awfar are both Shariah-compliant products. Be U Term Deposit-i is based on the Tawarruq concept, which provides a fixed profit rate determined in advance. Be U Al-Awfar operates under the Mudarabah principle, where returns depend on the performance of underlying assets.

Be U Al-Awfar is not protected by Perbadanan Insurans Deposit Malaysia (PIDM), and both principal and returns are not guaranteed. Customers should be aware that early redemption or weak asset performance may result in partial or total loss of the invested amount.

All personal data collected during the campaign will be managed in accordance with the Personal Data Protection Act (PDPA) 2010. For enquiries or assistance, customers can contact Be U Community Support at 03-2779 0088 or through email. 

For those considering alternative savings options, learn more about the best fixed deposit accounts in Malaysia.

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• TAGS:
• Bank Islam
• Be U Al-Awfar
• Be U MaxCash Campaign
• Be U Term Deposit-i
• Fixed Deposits