Alliance Islamic Bank Alliance Term Deposit-i
Islamic Bank Accounts in Pahang
Commodity Murabahah (Tawarruq) term deposit from Alliance Islamic Bank with published rates effective 15 July 2025: 2.10% p.a. at 1 month rising to 2.45% p.a. at 12-24 months; tenures of 25-60 months are negotiable.
On published board rates, Alliance's 2.45% p.a. at 12 months tops this cluster's domestic banks, and the disclosure is exemplary: contract named, table dated, change-notification policy stated. Digital-bank promos (AEON 3.08% at 6 months, Al Rajhi app rates to 3.80% conditional) out-yield it, but as an everyday branch-bank TD-i it is the benchmark. Crawled 6 Aug 2026.
Pros
- 2.45% at 12 months beats MBSB (2.10%), OCBC Al-Amin (2.10%) and HSBC Amanah (2.00%) board rates
- Named Shariah contract on the same page as the rates
- Long placements negotiable rather than capped
Cons
- Promotional app-based rates at Al Rajhi (to 3.80% conditional) and AEON Bank (3.08% 6-month promo) can beat the board table
- Minimum placement amounts not shown on the rates page - check the PDS
Open Account
Visit Alliance Islamic Bank's website to learn more and get started.
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Alliance Islamic Bank in Pahang
Alliance Islamic Bank's account serves customers in Pahang. Malaysian Islamic accounts pay contracted Tawarruq profit or discretionary hibah depending on the underlying contract, never interest. Deposits at PIDM member banks are protected up to RM250,000 per depositor per member bank; check each provider's membership status, which our profiles document. Alliance Islamic Bank operates across Malaysia, so Pahang residents have full access to this product.
Shariah Compliance & Oversight
Overseen by Alliance Islamic Bank Berhad's Shariah Committee: Dr. Tuan Badrul Hisyam Tuan Soh (Chairman since 1 June 2021, member since 1 April 2020), Tuan Haji Rustam Mohd Idris, Prof. Dr. Muhamad Rahimi Osman, Asst. Prof. Dr. Muhammad Naim Omar and Ustaz Ahmad Fauwaz Ali @ Fadzil, per the bank's committee page (crawled 6 Aug 2026). BNM-licensed under IFSA 2013; PIDM member.
2026-08-06
Why It's Halal
Alliance's Islamic profit-rates page states the product is based on Commodity Murabahah via the Tawarruq concept with a prevailing profit rate per product - a fixed, trade-derived return rather than interest. The full tenor table is published with an effective date, and rate changes are notified via branches and the website. BNM-licensed Islamic subsidiary; PIDM member.
Regional Availability
Alliance Islamic Bank serves all of Malaysia
✓ Available nationwide including Pahang
Open Account: Alliance Islamic Bank
Visit Alliance Islamic Bank's website to get current terms, check eligibility for Pahang, and get started today.
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NationwideFrequently Asked Questions
What is Alliance Islamic Bank Alliance Term Deposit-i?
Why is Alliance Islamic Bank Alliance Term Deposit-i considered halal?
Is Alliance Islamic Bank Alliance Term Deposit-i available in Pahang?
What Shariah oversight does Alliance Islamic Bank have?
What financing structure does Alliance Islamic Bank Alliance Term Deposit-i use?
How do I apply for Alliance Islamic Bank Alliance Term Deposit-i in Pahang?
How do rural Pahang residents access Islamic banking?
What agricultural halal financing serves Pahang?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.