Public Bank eFixed Deposit

Apply for a PB eFD account and enjoy the convenience of making FD transactions anywhere via Public Bank's website.

Public Bank eFixed DepositOnline FD
Min. Deposit
Daily Interest
Early Withdrawal

Fixed Deposit Calculator

Interest Rate

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

You DepositDeposit PeriodEffective Interest Rate
min. RM1,0001 month1.5% p.a.
min. RM1,0002 months1.65% p.a.
min. RM1,0003 to 5 months1.7% p.a.
min. RM1,0006 to 11 months1.8% p.a.
min. RM1,00012 to 60 months1.85% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM5 Service Charge
Additional Statement Request
RM2 per document


Minimum Age
  • 18 years old
Who can apply
  • Malaysians

More Information

What do I get from Public Bank eFixed Deposit?

Public Bank eFixed Deposit account can be opened easily if you are 18 years old and above and have a conventional personal current or savings account with Public Bank, and also registered for PBe online banking. 

The requirement is for fixed deposit account opening is simple: you need a minimum of RM1,000. 

Then, you need to choose your preferred tenure, which ranges from 1 month to 60 months.

The longer you park your money in this fixed deposit account, the higher the interest rate you will get on the money. 

The interest will be paid into your current or savings account every month automatically. Plus, this fixed deposit comes with an auto-renewal policy for your convenience.

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when you withdraw money from your fixed deposit account before it reaches full term, no interest will be paid to the withdrawn amount.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

Is my money in this fixed deposit insured?

Absolutely. PIDM will guarantee the principal amount and interest charges in this fixed deposit account for up to RM250,000.

Can I use my Public Bank eFixed Deposit as collateral or security?

Unfortunately, you cannot use Public Bank eFixed Deposit as collateral or security for your financing.