Bank of China Fixed Deposit Promotion 2025
Bank of China Malaysia is among the best financial institutions in the market to offer attractive returns with their Fixed Deposit account. The returns you’ll earn get even better with their FD promotion that runs from 2 January 2025 until 30 April 2025 (“Promotion Period”), subject to the campaign’s terms and conditions.
This promotion is open to all new and existing Bank of China Malaysia individual customers aged 18 years and above. Hurry and grab this chance to enjoy promotional rates as shown in the following table with the Bank of China Fixed Deposit Account.
Rest assured that your deposits are protected by PIDM for up to RM250,000.
| Eligible Product | Tenure | Promotional Rate | Minimum Placement Amount | Maximum Placement Amount | Fund Type |
| MYR FD | 12 months | 3.80% p.a. | RM10,000 | RM2 million | Fresh funds |
| USD FD | 12 months | 4.18% p.a. | USD 10,000 | USD 2 million | Fresh funds |
| RMB FD | 12 months | 1.98% p.a. | RMB 10,000 | RMB 2 million | Fresh funds |
*Fresh funds means monies or funds howsoever transferred, credited, or paid into the FD Account or Nominated Account from another bank(s) and/or financial institutions by way of (i) cash, (ii) interbank GIRO transfers (iii) telegraphic transfer (iv) DuitNow (v) bank draft (vi) collection and payment of cheques drawn on such other bank(s), within 7 days before the fixed deposit placement date.
Note: Transfers of funds from other branches of BOCM or from any existing account with BOCM are not considered Fresh Funds.
What do I get from the Bank of China Fixed Deposit account?
Like any other fixed deposit account, the Bank of China offers a higher rate of return than a conventional savings account.
You can invest with BoC for up to 60 months, but bear in mind that 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 the Bank of China?
If you're a Malaysian citizen aged 18 or over, you just need to turn up at the 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 is free, and once you sign up for this FD, your precious savings are automatically insured.
