Features and Benefits

A shariah compliant term deposit investment account

  • Based on the principles of Mudaraba contract
  • Tiered profit sharing quarterly based on lowest monthly balance
  • The higher the balance, the higher the customer profit ratio
  • Conveniently located branches and ATMs
  • Flexible investment tenure (3 months to 5 years)
  • SMS banking, mobile banking and online banking
  • No monthly or annual account maintenance fee
  • Tiered profit sharing ration (PSR) calculated and distributed at maturity if the required minimum balance is maintained
  • Detailed account statement every three months on request
  • Access to personal finance


  • Minimum initial deposit of $5,000
  • Minimum daily balance of $5,000
  • Copy of National/State ID/Passport
  • Completed and signed application form


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