Bank of China

Bank of China Fixed Deposit Account

Bank of China Fixed Deposit is a low-risk term deposit account that helps you safely and securely increase your savings

  • You DepositDeposit PeriodEffective Interest Rate
    more than RM50001 month2.65% p.a.
    more than RM10002 months2.65% p.a.
    more than RM10003 to 5 months2.75% p.a.
    more than RM10006 to 8 months2.8% p.a.
    more than RM10009 to 11 months2.85% p.a.
    more than RM100012 months2.9% p.a.

Apply online now for Bank of China Fixed Deposit Account

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Bank of China Fixed Deposit Account

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Bank of China website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Fees & Charges

There are always fees but how much are they?

Lost of Fixed Deposit certificate
  • RM5.00 Service Charge


Are you eligible for this Bank of China Fixed Deposit Account?

Minimum age
18 years old
Open To
  • Malaysians
  • Permanent residents
  • Foreigners

Frequently Asked Questions about Bank of China Fixed Deposit Account

Things you might want to know

What do I get from Bank of China Fixed Deposit accounts?

Like any other fixed deposit accounts, Bank of China offers a higher rate of return than conventional savings account. 

You can invest with BoC for up to 60 months, but bear in mind once you've put your money into this term deposit account you won't be able to withdraw funds at will. 

If you do close the account early you'll lose any interest that you might have earned. 

Best to make a real commitment to this kind of investment.

How do I open a Fixed Deposit with Bank of China?

If you're a Malaysian citizen aged 18 or over you just need to turn up at Bank of China with your MyKad and some money to invest. 

If you're a foreigner you will have to bring along your work permit or student pass together with a valid passport.

When will I receive my interest?

If you place your savings in this FD account for more than a year, you can get paid out on the interest every single month.

For accounts less than a year in tenure you'll have to wait until the term ends before you get your hands on the interest - like they say: patience is a virtue!

Does PIDM protect this Fixed Deposit Account?

Yes, PIDM protects your savings against loss in the event of the bank’s failure. 

PIDM's free and once you sign up for this FD your precious savings are automatically insured.

Read More