Affin Islamic Current Account-i

Have the flexibility of managing your payments with a cheque book & earn high rate of return with this Shariah-compliant Affin Islamic Bank current account.

Affin Islamic Current Account-i
Profit Rate
0% to 0.25% p.a.
Account Type
Service Charge
Min. Deposit
Account Statement

Profit Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountProfit Rate
RM1,000RM50,000No interest
RM50,001RM1,000,0000.15% p.a.
RM1,000,000No maximum0.25% p.a.


What would make it different?

Online Banking
PIDM Protected
Up to RM250,000

Fees & Charges

Service Charge
RM10 every 6 months waived with monthly average balance of RM1,000
Early Closure Fee
Dishonoured Cheque Fee
Stop Payment Cheque Fee


Minimum Age
  • 18 years old
Minimum Initial Deposit
Who can apply
  • Malaysians
  • Permanent Residents

More Information

How does Affin Islamic Current Account-i work?

Affin Islamic Current Account-i is a deposit account which rewards you with a monthly profit rate on the minimum balance you have left in the current account for the month. It is also known as a checking account because you will also get the flexibility of cheque writing.

To open an Islamic current account with Affin Islamic Bank, all you need to prepare is a minimum initial deposit of RM1,000 and an introducer.

Do I get a Cash Line Facility-i upon current account opening?

Unfortunately, Affin Islamic Bank does not offer Cash Line Facility-i for this Islamic Current Account. Cash Line Facility-i is the Islamic equivalent of an Overdraft Facility whereby you can draw down (in other words, borrow) cash from your current account up to a limit set by the bank.

Think of it as something along the line of revolving credit, once you have paid up the amount you borrowed at maturity, you can withdraw again cash whenever is needed.

Do I get a free cheque book and debit card?

You will get a free Affin Islamic Bank debit card so that you can access your money conveniently. Cheque book will be made available to you upon request and is subject to fees and charges.

To manage your money efficiently, you will be given an internet banking account via affinOnline and a monthly statement for easy tracking of your transactions.

What are the fees and charges I should know?

These are few but significant fees and charges you should be aware of:

  • Half yearly service charge: RM10, if average balance fall below RM1,000
  • Early account closure: RM20, if closed within 6 months of opening
  • Cheque processing fee: RM0.50 per leaf, plus RM0.15 Stamp Duty
  • Dishonoured cheque: RM200, due to insufficient funds
  • Stop payment cheque: RM10, upon instruction

Is my money protected under PIDM?

Absolutely. Your deposit will be protected under PIDM for up to RM250,000.

Do I need a current account?

Depending on your banking and transactional needs, the current account allows you to make a withdrawal and deposit your money just like a Savings Account, except that you have the convenient of writing a cheque when you need to make a large payment. 

Business entities and individuals can also access the Overdraft or Cash Line Facility to finance for working capital and short-term liquidity.

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