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Mudarabah IA

Premier Mudharabah Account-i

A privilege account that allows you to earn potential higher profits the Shariah-compliant way.

  • Minimum investment:

    RM10 via MAE app or Maybank2u | RM1,000 at the branch

What is a Premier Mudharabah Account-i (PMA-i)?

The Premier Mudharabah Account-i is a Shariah-compliant investment account that offers customers the opportunity to earn higher indicative returns and Takaful coverage.

Based on the Islamic concept of Mudarabah, profits are shared between the customer and the Bank according to a pre-agreed ratio. PMA-i is now accessible via the MAE app and Maybank2u website.

Product Features

  • Potential to earn higher returns with an indicative profit rate
  • Profits gained from investments are shared between the Customers and the Bank based on a previously agreed profit-sharing ratio.
  • Profits are paid monthly and are subject to the respective balance band.
  • Free personal accident Takaful coverage plus medical expenses.
  • No monthly fees.

*Where permitted, any unplanned temporary excess in any Islamic Account due to amount advanced by the Bank shall be treated as loan (Qard) granted by the Bank to the account holder.


Free Takaful coverage:

Account balanceSum covered
  Death / PD Medical expenses
RM3,000 - RM5,000 RM5,000 RM1,000
RM5,001 - RM50,000 Based on account balance RM2,000
Above RM50,000 RM50,000 RM3,000

How to Apply

NEW! Apply and activate your premier account fully online.

You can now apply for a Premier Mudharabah Account-i online instantly via the MAE app! No branch visit required, even if you’re a new Maybank customer. Just follow these simple steps below:

Existing Maybank/Maybank Islamic customers

   New Maybank/Maybank Islamic customers     

Notes:

  1. You will need to scan your MyKad so make sure you have it with you before you start your application.
  2. To activate your premier account, you will need to perform an FPX transfer from another bank account registered under your name.

*T&C apply

Click here for Frequently Asked Questions and Terms & Conditions

Rates, Fees and Charges

What kind of rates, fees and charges can you expect?

Individual/Joint

Indicative Profit Rate (% p.a.)Profit Sharing Ratio
  Investor Bank
0.05
(First RM5,000)		 2 98
0.20
(Above RM5,000 to RM25,000)		 5 95
0.20
(Above RM25,000 to RM50,000)		 5 95
0.20
(Above RM50,000 to RM100,000)		 5 95
0.20
(Above RM100,000 to RM200,000)		 5 95
0.55
(Above RM200,000 to RM500,000)		 14 86
0.65
(Subsequent balances above RM500,000)		 16 84

*Effective from 16 October 2025 to 15 November 2025

 

Global Banking

Indicative Profit Rate (% p.a.)Profit Sharing Ratio
  Investor Bank

0.15
(Any Balance)

 4 96
*Effective from 16 October 2025 to 15 November 2025

 

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)

Click here to view Investment Account Fund Performance Report (Q4 2024)

 

Click here to view Investment Account Fund Performance Report (Q1 2025)

Click here to view Investment Account Fund Performance Report (Q2 2025)

Click here to view Investment Account Fund Performance Report (Q3 2025)


Fees and charges:

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


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