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Benefits & Privileges

High Interest Flexibility Additional Benefits
High Interest
Flexibility
Additional Benefits

For Islamic equivalent of Unfixed DepositTM, click here.

Eligibility

  • Individuals aged 18 years and above
  • Joint account is allowed


Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Requirements

  • NRIC or passport
  • Minimum deposit placement of RM5,000 for a tenure of 1 month and RM1,000 for tenures of 2 to 60 months
  • A copy of utility bill for verification of address

Interest Rates

Unfixed Deposit™ Interest Rates

Fees and Charges

Unfixed Deposit™ Fees and Charges

Terms and Conditions

Unfixed Deposit Terms and Conditions (ENG)
Unfixed Deposit Terms and Conditions (BM)
Declaration/ Disclosure by Applicant (ENG & BM)

Important Notes

Withdrawal is allowed with a minimum of RM1,000 and in multiples of RM1,000 under the same account number (Applicable for new and renewed Unfixed DepositTM accounts effective 18 January 2015 onward.)

 

Upliftment/Withdrawal before maturity is allowed but the amount will be subject to the following conditions:

 

  1. For FD placement/renewal from 1 November 2018 onward:

    No interest will be paid for any fully or partially* withdrawn amount before completion of its tenure.

  2. For FD placements/renewals prior to 1 November 2018:

    i. FD for 1 to 3 months' tenure
    No interest will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

    ii. FD for 4 months' tenure and above
    Before Completion of 3 months
    No interest will be paid for any fully or partially* withdrawn amount.

    After Completion of 3 months
    For any fully or partially* withdrawn amount, half the interest of the contracted rate for each completed month of the withdrawn amount is payable.

    *For partial withdrawn, interest on the contracted rate is payable for the amount that is not withdrawn.

FAQ

Unfixed Deposit™ Frequently Asked Questions

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