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 month2.9% p.a.
    more than RM10002 to 3 months3% p.a.
    more than RM10004 to 9 months3.05% p.a.
    more than RM100010 to 11 months3.15% p.a.
    more than RM100012 months3.2% p.a.
    more than RM100013 to 60 monthsnegotiable

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Fees & Charges

There are always fees but how much are they?

Lost of Fixed Deposit certificate
  • RM5.30 Service Charge

*inclusive of 6% GST

Requirements

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

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

Frequently Asked Questions about Bank of China Fixed Deposit Account

Things you might want to know

What do I need to know about Bank of China Fixed Deposit accounts?

Like any other fixed deposit account Bank of China offers a higher rate of return than conventional savings account. You can invest with BoC for up to sixty 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, and if you do close the account early you'll lose any interest that you might have earned. Best to make a real commitment with 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.

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