Public Bank

Public Bank PLUS Fixed Deposit Account

Start saving for your future with a Public Bank Plus Fixed Deposit Account and earn more money from higher interest rates

  • You DepositDeposit PeriodEffective Interest Rate
    more than RM50001 month2.7% p.a.
    more than RM10002 months2.7% p.a.
    more than RM10003 to 5 months2.75% p.a.
    more than RM10006 to 11 months2.8% p.a.
    more than RM100012 months2.85% p.a.
    more than RM100013 to 60 monthsnegotiable

Apply online now for Public Bank PLUS Fixed Deposit Account

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Fees & Charges

There are always fees but how much are they?

Lost of Fixed Deposit certificate
  • RM5.00 Service Charge
Additional Statement Request
RM2.00 per document


Are you eligible for this Public Bank PLUS Fixed Deposit Account?

Minimum age
18 years old
Open To
  • Anyone
  • Associations
  • Clubs and Societies
  • Companies

Frequently Asked Questions about Public Bank PLUS Fixed Deposit Account

Things you might want to know

What do I get from Public Bank PLUS Fixed Deposit Account?

Public Bank PLUS Fixed Deposit offers 2 placement options that can accommodate to your investment appetite:

  • Option 1 offers tenure of up to 12 months with the interest payment credited to your current or savings account on a monthly basis or upon maturity
  • Option 2 offers tenure from 13 months and above with interest payment credit to your current or savings account on a monthly or 6-monthly basis.

The minimum initial deposit starts from RM1,000 for tenure of 2 months and above, whereas for a 1 month placement you need at RM5,000. 

Your fixed deposit account will be automatically renewed to the same term once it has reached maturity.

What are the benefits of this fixed deposit?

Putting your savings money into this fixed deposit account is safer than dumping them all into a share or an unregulated investment product as it is protected by PIDM for up to RM250,000, which includes principal amount and interest charges earned. 

Besides, you also have the option to sign up for overdraft facility for up 100% margin at attractive rates.

Can I withdraw my money from this fixed deposit account before maturity?

Effective from January 2019, when you withdraw money from your fixed deposit account before it reaches full term, no interest will be paid to the withdrawn amount. 

Therefore, it is advisable to park your money until maturity to earn 100% interest returns.

Who can apply for Public Bank PLUS Fixed Deposit Account?

Any individuals holding a valid identity card, whether Malaysian or foreigner, aged 18 years old and above can apply for this fixed deposit by hitting that ‘APPLY NOW’ tab on RinggitPlus.

The same requirements apply for any Associations, Clubs and Societies, Companies and Cooperatives that would like to open Public Bank PLUS Fixed Deposit account.

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