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Investment Loans

Overdraft/Cash Line-i Facility

Extra cash for emergencies, unexpected needs or working capital for your business


  • Minimum collateral of RM10,000
  • No guarantor required
  • Interest/profit is charged only on the amount utilized
  • No fixed repayment schedule
  • No commitment fee on overdraft amount of RM250,000 and below


  • Holders of Fixed Deposit (FD/iFD-i) / General Investment Account (GIA-i)/ Profit Now Account (PNA-i) / ASB / ASM 2 Wawasan units
  • Age between 18 and 70
  • Individuals or joint account holders



FD/ iFD-i/ GIA-i/ PNA-i

ASB Unit

ASM2 Wawasan Unit

Minimum Financing Amount



Maximum Financing Amount

Up to the security limit

Up to 200,000 units

Up to 2,000,000 units

Margin of Financing

Up to 100%

Up to 67% of the nominal value


Conventional :

SBR + 3.65%

Islamic : SBR + 5.15%

SBR + 2.20%

SBR + 2.00%


  • Base Rate (BR)/Islamic Base Rate (IBR) at 3.00% p.a. effective from 8 May 2023
  • The Board Rate/Indicative Profit Rate and/or Bonus Interest/Profit may be revised accordingly to reflect the changes of the Overnight Policy Rate (OPR) set by Bank Negara Malaysia.

How to Apply

Step 1: Download and fill up the Maybank Overdraft Application Form

Step 2: Attach Required Documents

  • Copy of NRIC
  • Copy of your latest 3 months pay slip / other proof of income e.g. Bank Statement
  • Copy of FD/IFD-i certificate (if applicable)
  • ASB/ASM2 Wawasan mini statement (if applicable)

Step 3: Submit completed application form and required documents to the nearest Maybank branch.

All application are subject to Maybank’s credit assessment, approval and other applicable terms and conditions.

More info

Product Disclosure Sheet

OD secured by FD/ iFD-i /GIA-i/ PNA-i

OD secured by ASB/ ASM 2 Wawasan









Terms & Conditions

  • Financing disbursement is subject to the satisfactory fulfilment of the terms and conditions stipulated in Maybank’s Letter of Offer.
  • Please read the Product Disclosure sheet for more information.
  • Joint account is only applicable to FD Receipt holder.

Higher profit rates start here


Enjoy tiered interest/profit rates in your Private Banking Account or Private Banking Account-i  when you save and perform selected banking transactions.

Campaign Period: 1 February 2023 - 31 July 2023

T&C apply.



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