Having foreign currencies in hand hoping to get a better yield? With our Shariah-compliant short term Foreign Currency Mudharabah-i (FCM-i), you can now place them in a profit sharing investment product.

FCM-i also allows for easy transfer of funds overseas safely with our wide network of branches as well as correspondent banks worldwide. What's more, the profit-sharing principle of Mudharabah gives you the potential to earn better returns on your investment.


  • Alternative Investment In Shariah Compliant Short term Foreign Currency Investment Short term Foreign Currency Investment
  • Dividend Return is not fixed based on the "R Rate" performance. The higher "R Rate" will higher customer's potential returnAllows for easy transfer of funds overseas safely with our wide network of branches as well as correspond banks worldwide

* Dividend will be calculated daily and paid on maturity


Shariah Contract
Based on Mudharabah (profit-sharing) contract where customers act as provider of fund and the Bank acts as entrepreneur. The Bank will invest the fund in Shariah-compliant investment avenues. The profit from the investment will be shared between the Bank and customers based on the pre-agreed profit sharing ratio.


The product is offered to resident and non-resident, individual and non-individual

(Business Banking Customers)

Currency Offered

  1. US Dollar (USD)
  2. European Dollar (EUR)
  3. Australian Dollar (AUD)
  4. British Pound (GBP)
  5. New Zealand Dollar (NZD)
  6. Hong Kong Dollar (HKD)
  7. Canadian Dollar (CAD)
  8. Singapore Dollar (SGD)
  9. Swiss Franc (CHF)
  10. Japanese Yen (JPY)

Tenure / Minimum Deposit

Non-Interbank FCM-i (Individual)

CurrencyTenureMinimum Amount
USD1 to 12 monthsUSD5,000
Others1 to 12 monthsUSD5,000 equivalent

Non-Interbank FCM-i (Non-individual)

CurrencyTenureMinimum Amount
USDMin. 1 dayUSD20,000
EUR, AUD, GBPMin. 7 daysUSD20,000 equivalent
NZD, HKD, CAD, SGD, CHF, JPYMin. 1 monthUSD20,000 equivalent

For further information visit our branch or call 1-300-88-6688

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