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Mudarabah IA

Golden Savvy Account-i

Investing in your golden years, the Islamic way

Benefits

Based on the Shariah contract of Mudarabah, which means profit sharing. 

The Golden Savvy Account-i is a Daily Fund-i individual product. Please refer to this Product Disclosure Sheet for more information. 

Click here for Terms and Conditions

With this account, you get:

  • Potential to earn higher returns with indicative profit rate.
    Profits gained from investment are shared between Customer and Bank based on a previously agreed profit sharing ratio. Profits are paid monthly and are not subject to balance band or number of withdrawals.
  • NO Service Charge on Foreign Telegraphic Transfer (FTT). Service charges waived for over-the-counter transactions not exceeding RM5,000.
  • Access to Maybank2u.com for greater convenience.
  • Access 2,800 ATMs nationwide, and via PLUS network worldwide
  • Go cashless with Maybankard Visa Debit 

         

* Not Protected by PIDM.

* Click here for PIDM's DIS Brochure.

* Click here for List of Insured Deposits

How to apply

For individuals aged 50 and above only.

To apply:

Visit a Maybank branch near you with your primary documents.

Available accounts:

  1. Personal
  2. Joint account with a maximum of 3 secondaries from any age groups

Required Primary Documents:

  • Original Identity Card (IC) for Malaysians and Passports for foreigners
  • Other documentary evidence required by the authorities according to the purpose of your visit /stay in Malaysia

Apply now at www.maybank2u.com.my.

Rates

What kind of rates, fees and charges to expect?

Indicative Profit Rate (% p.a.) Profit Sharing Ratio
Investor Bank
0.05 (Below RM1,000) 1 99
0.20 (RM1,000 to RM10,000) 5 95
0.20 (Above RM10,000 to RM25,000) 5 95
0.20 (Above RM25,000 to RM50,000) 5 95
0.30 (Above RM50,000 to RM100,000) 7 93
0.60 (Above RM100,000 to RM250,000) 14 86
0.60 (Subsequent balances above RM250,000) 14 86

*Effective from 16 January 2025 to 15 February 2025

With effect from 16 August 2022, the ‘Split Tier’ indicative profit rate calculation will be implemented. ‘Split Tier’ is an indicative profit calculation method that separates the account balance according to the respective rate tier.

Click here for Frequently Asked Questions (FAQ).

Klik di sini untuk Soalan Lazim.


Click here to view Investment Account Fund Performance Report (Q1 2016)

Click here to view Investment Account Fund Performance Report (Q2 2016) 

Click here to view Investment Account Fund Performance Report (Q3 2016)


Click here to view Investment Account Fund Performance Report (Q1 2017)

Click here to view Investment Account Fund Performance Report (Q2 2017) 

Click here to view Investment Account Fund Performance Report (Q3 2017)

Click here to view Investment Account Fund Performance Report (Q4 2017)


Click here to view Investment Account Fund Performance Report (Q1 2018)

Click here to view Investment Account Fund Performance Report (Q2 2018)

Click here to view Investment Account Fund Performance Report (Q3 2018)

Click here to view Investment Account Fund Performance Report (Q4 2018)


Click here to view Investment Account Fund Performance Report (Q1 2019)

Click here to view Investment Account Fund Performance Report (Q2 2019)

Click here to view Investment Account Fund Performance Report (Q3 2019)

Click here to view Investment Account Fund Performance Report (Q4 2019)


Click here to view Investment Account Fund Performance Report (Q1 2020)

Click here to view Investment Account Fund Performance Report (Q2 2020)

Click here to view Investment Account Fund Performance Report (Q3 2020)

Click here to view Investment Account Fund Performance Report (Q4 2020)


Click here to view Investment Account Fund Performance Report (Q1 2021)

Click here to view Investment Account Fund Performance Report (Q2 2021)

Click here to view Investment Account Fund Performance Report (Q3 2021)

Click here to view Investment Account Fund Performance Report (Q4 2021)


Click here to view Investment Account Fund Performance Report (Q1 2022)

Click here to view Investment Account Fund Performance Report (Q2 2022)

Click here to view Investment Account Fund Performance Report (Q3 2022)

Click here to view Investment Account Fund Performance Report (Q4 2022)


Click here to view Investment Account Fund Performance Report (Q1 2023)

Click here to view Investment Account Fund Performance Report (Q2 2023)

Click here to view Investment Account Fund Performance Report (Q3 2023)

Click here to view Investment Account Fund Performance Report (Q4 2023)

 

Click here to view Investment Account Fund Performance Report (Q1 2024)

Click here to view Investment Account Fund Performance Report (Q2 2024)

Click here to view Investment Account Fund Performance Report (Q3 2024)

Fees & Charges

What fees and charges can you expect?

Fees & Charges

  • Replacement of ATM/bankcard: RM12
  • Replacement of lost savings passbook : RM15 (inclusive of stamp duty)
  • Replacement of savings passbook due to poor handling : RM10
  • Early closure of account within 3 months of account opening: RM20
  • Cash withdrawals at ATM facilities owned by other banks (MEPS charges): RM1

Click to see all banking fees.

 

Unlock up to 3.00% p.a. in savings, effortlessly!


Limited-time offer for 12 participating accounts. Gain higher interest/indicative profit rates with everyday transactions, everywhere!

Campaign Period: 1 November 2024 to 30 April 2025


Learn More

Make your savings/investment meaningful by pledging to unlock up to RM100,000 for charity and up to RM100,000 prizes to be won!

 

Campaign Period: 1 March – 31 July 2023


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