Islamic Bank Accounts in Kuching, Sarawak

In-app Islamic term deposit from AEON Bank with a promotional 6-month rate of 3.08% p.a. at crawl date, flexible tenures, choice of profit payment mode, and PIDM protection - opened in three taps from the app.

App-only Islamic savings account from AEON Bank, Malaysia's first Islamic digital bank: 0.25% p.a. prevailing rate on the main account and 3.00% p.a. promotional profit in up to 20 goal-based Savings Pots, with round-up automation, budgeting tools and a Debit Card-i. Activate from RM1.

Fixed-profit Islamic term deposit from Affin Islamic with tenures of 1 to 60 months, minimum RM5,000 for 1-month placements and RM500 for 2 months and above, plus an eTD-i online-placement variant with campaign rates via AffinAlways.

Entry-level Islamic savings account from Affin Islamic Bank: open from age 12 with RM100 initial deposit and RM10 minimum balance, Visa debit card, passbook or e-statement, and full internet banking. PIDM-protected up to RM250,000.

Agrobank's fixed-return Islamic term account with published rates effective 1 January 2026: 2.20% p.a. at 1 month rising to 2.50% p.a. at 12-60 months (maturity payment), with a lower advance-payment (Pendahuluan) rate track and a FRIA-i 45 Plus variant.

Shariah-compliant Giro account from Agrobank (Wadiah Yad Dhamanah) paying tiered hibah of 0.15% p.a. below RM5,000, 0.30% to RM50,000 and 0.45% p.a. above RM50,000, with RM20 entry for citizen individuals.

App-opened Islamic savings account from Al Rajhi Bank Malaysia with tiered daily-calculated profit credited monthly - published tiers reach 3.00% p.a. (band ending RM999,999.99) and 3.50% p.a. from RM1,000,000 - plus goal-based Savings Pots at a premium rate. RM20 to activate.

Commodity Murabahah (Tawarruq) term deposit from Al Rajhi Bank Malaysia: board rates to 2.30% p.a. at 12 months, an automatic +0.20% p.a. bonus for placements via the MY alrajhi app (2.50% at 12 months), and promotional rates to 3.80% p.a. From RM500.

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.

Tiered Islamic savings account from Alliance Islamic Bank paying historical hibah (Qard concept) of 0.95% p.a. from RM20,001, rising to 2.60% above RM200,000 and 2.75% p.a. above RM500,000 (published rates effective 15 July 2025). Balances up to RM20,000 earn no hibah.

Islamic savings account from AmBank Islamic paying a single published profit rate of 0.10% p.a. on all balances (effective 6 May 2025), with entry to the bank's periodic prize-draw campaigns. Minimum initial deposit RM20, unlimited withdrawals and over-the-counter transactions, and PIDM protection up to RM250,000 per depositor.

Flexible-tenure Islamic term deposit from AmBank Islamic: you set the maturity by number of days, anywhere from 1 calendar month up to 12 months, with partial withdrawals allowed any time provided RM5,000 remains. Minimum placement RM5,000; PIDM-protected.

Bank Islam's prize-draw savings account based on Tawarruq (two sale and purchase contracts, defined on the page), where deposits earn contractual profit credited monthly and account balances earn entries into the Awfar prize draws (draw eligibility, categories and prizes last updated effective 1 July 2026). Minimum opening deposit RM100 with RM10 minimum balance, principal and profit guaranteed, Bank Islam Visa Debit Card-i, salary crediting, standing instructions and BIMB Web/Mobile access. Open to individuals aged 12 and above (trust accounts below 12), joint and trust customers. Protected by PIDM up to RM250,000 per depositor (crawled bankislam.com 2026-08-06).

Bank Islam's basic savings account based on the Qard contract, printed in full on the page: the bank may use deposited funds, guarantees repayment of the whole balance on demand, and may at its absolute discretion give reward (hibah), which the page notes may be paid monthly. Minimum opening RM100, minimum balance RM10, open to all ages (individual from 12, trust below 12, joint accounts), with free passbook on request, Bankcard, salary crediting, standing instructions, bill payment and BIMB internet/mobile banking. PIDM protected up to RM250,000 (crawled bankislam.com 2026-08-06).

Bank Islam's capital-guaranteed term deposit under Tawarruq, with the upfront profit rate contracted at point of sale. Tenures run 1 to 60 months (monthly steps to 12 months, quarterly steps 15 to 60), minimum placement RM1,000 for 1 month or RM500 for 2 months and above with no maximum, profit paid at maturity (up to 1 year) or half-yearly (above 1 year). The underlying commodity is Crude Palm Oil or other Shariah-approved commodity; brokerage is absorbed by the bank (on premature withdrawal the customer pays 50% of third-party brokerage, deducted from the sale price). Premature withdrawal is allowed with no profit paid; partial withdrawal is not allowed. Auto-renewal at prevailing rates, certificate or eCertificate operation, PIDM protected (crawled bankislam.com 2026-08-06).

Bank Islam's chequing account under the Qard contract for safe custody of cash, open to Malaysians and permanent residents aged 18+, with minimum initial deposit RM500 for individuals and RM1,000 for non-individuals, and no minimum balance thereafter. Facilities include Bankcard, salary crediting and sweeping, standing instructions, e-Debit point-of-sale payment, MEPS Cash e-purse, internet and TAP mobile banking; hibah may be given monthly at the bank's discretion. Account types span individual, joint, partnership, government, association and more. PIDM protected up to RM250,000 (crawled bankislam.com 2026-08-06).

Basic Islamic savings account from Bank Muamalat with Tawarruq and Qard variants, paying 0.05% p.a. on all balances (Tawarruq variant carries a 4% ceiling profit rate), RM20 minimum deposit, free debit card and full i-Muamalat digital access. PIDM-protected.

Islamic fixed term account from Bank Muamalat with a full published rate table effective 28 July 2025: 1.80% p.a. at 1-2 months stepping to 2.10% p.a. at 36-60 months. Minimum RM5,000 for 1 month, RM1,000 from 2 months.

Tawarruq term deposit from Bank Rakyat with individual rates from 2.00% p.a. (1 month) to 2.30% p.a. (12-60+ months), minimum RM5,000 for 1 month and RM500 from 2 months, with monthly profit payment available on RM5,000+ placements of 6 months or longer.

Islamic savings account from cooperative bank Bank Rakyat in Tawarruq (published profit) and Qard (historical hibah) variants: 0% below RM1,000, 1.00% p.a. from RM1,000, 1.25% p.a. from RM100,000. RM20 entry, open to citizens and non-citizens.

CIMB Islamic's Tawarruq term deposit family with board rates printed on the bank's profit-rates page effective 19 June 2026: Maturity Return from 1.75% p.a. (1 to 3 months) through 1.85% (4 to 6 months), 1.90% (7 to 14 months), 2.00% (15 to 35 months) to 2.05% (36 to 60 months); Monthly Return pays the same 1.90% to 2.05% band on 12 to 60 month tenures with profit paid monthly; the Why Wait variant (1.75% to 1.90% on 1 to 12 months) pays profit upfront. Minimum placement RM5,000 for 1 month, RM1,000 for 2 to 60 months; partial withdrawals in RM1,000 multiples keep the contracted rate on the remaining balance. PIDM protected (crawled cimb.com.my 2026-08-06).

CIMB Islamic's paperless, environment-themed savings account based on the Shariah principle of Tawarruq (stated on page), with tiered profit rates printed on the page: 0.15% p.a. on the first RM50,000, 0.20% to RM100,000, 0.40% to RM200,000 and 1.00% above RM200,000, effective 1 June 2020, with profit calculated daily and credited monthly. Minimum initial deposit RM250, open to individuals 18+, joint accounts allowed, PIDM protected up to RM250,000 (crawled cimb.com.my 2026-08-06).

CIMB Islamic's chequing account, stated on the page to be based on the Shariah concept of Tawarruq, offering full transactional banking through CIMB Clicks and the OCTO app with DuitNow, JomPAY and cheque facilities. PIDM protected up to RM250,000 per depositor (crawled cimb.com.my 2026-08-06).

Hong Leong Islamic Bank's Tawarruq term deposit with printed rates effective 1 August 2026: 1.65% p.a. for 1 to 3 months, 1.75% for 4 to 6 months, 1.80% for 7 to 12 months and 2.00% for 13 to 60 months. Minimum placement RM5,000 for 1 month or RM500 for 2 months and above, with early partial withdrawals allowed without losing profit on remaining balances (minimum withdrawal RM3,000 in RM1,000 multiples, subject to maintained minimum balance). The rates page also prints the Junior Fixed Deposit-i (up to 2.05% at 13 to 60 months) and eFixed Deposit-i variants. Member of PIDM (crawled hlbislamic.com.my 2026-08-06).

Hong Leong Islamic Bank's chequing account on the same explained-Tawarruq structure as its deposits: minimum initial deposit RM500, open to Malaysians and non-Malaysians 18+, societies, small businesses (sole proprietors, partnerships), clubs, associations and schools, with 24/7 digital banking via Hong Leong Connect and monthly e-statements. Member of PIDM, protected up to RM250,000 per depositor (crawled hlbislamic.com.my 2026-08-06).

Hong Leong Islamic Bank's everyday savings account with the Tawarruq mechanics explained on the page: by applying, you appoint HLISB as agent to purchase a commodity equal to your deposit, sell it to HLISB at a profit, and HLISB sells it to a third party for cash. Minimum initial deposit RM200, debit card with merchant offers, monthly e-statements and 24/7 digital banking via Hong Leong Connect. Printed rates effective 1 August 2026: 0.00% up to RM200,000 and 0.05% above; the bank's savings rates page also prints the Basic Savings Account-i at a flat 0.25%, the Junior Savings Account-i at 0.25% on the first RM50,000 and the 3-in-1 Junior Account-i at 1.65% on the first RM50,000. Member of PIDM, protected up to RM250,000 per depositor (crawled hlbislamic.com.my 2026-08-06).

HSBC Amanah Malaysia

Everyday Global Account-i

Multi-currency Islamic everyday account from HSBC Amanah holding up to 11 currencies including MYR, with zero account fees, no hidden FX spread fees when spending in the wallet currencies, and everyday-rewards cashback via the eWelcome Pack.

HSBC Amanah Malaysia

Term Deposit-i

Commodity Murabahah term deposit from HSBC Amanah with rates as of 8 June 2026: 1.85% p.a. at 1 month to 2.05% p.a. at 13-60 months, minimum RM1,000 from 2 months (RM5,000 for 1 month), opened online in minutes.

App-based Islamic savings account from KAF Digital Bank with weekly hibah - published history shows 5.00% p.a. on the first RM2,000 and 3.00% p.a. above that, paid every week through July-August 2026 - across Premium and Basic Plus variants with a Debit Card-i. PIDM-protected.

Hajj savings account with Malaysia's statutory pilgrims fund board. Deposits operate under a Wakalah contract, are guaranteed 100% by the Malaysian government, have no savings cap, and profit distributions (hibah) are income-tax exempt with zakat handled by TH. Published profit distribution rates: 1.25% (2018), 3.05% (2019), 3.10% (2020), 3.10% (2021), 3.10% (2022), 3.10% (2023), 3.25% (2024), 3.50% (2025) (tabunghaji.gov.my, crawled 2026-08-07).

Maybank Islamic's checking account, described on the page as a Shariah-compliant current account based on the Shariah concept of Qard, with chequing facility, unlimited withdrawals at the home branch, outstation withdrawals of RM10,000 daily (personal account holders) or RM1,000 daily via Maybankard Bankcard, and PIDM protection. Minimum deposit is RM1,000 for individual/joint accounts and RM2,000 for other accounts; an introducer is part of the opening requirements (crawled maybank2u.com.my 2026-08-06).

Maybank Islamic's term deposit, described on the page as a Shariah-compliant term deposit based on the Murabahah concept (cost-plus sale) with an attractive return pre-determined upfront. Tenures run from 1 to 60 months, with minimum placement of RM5,000 for 1 month and RM1,000 for 2 months and above. The account can be used as collateral for banking facilities, carries Personal Accident Takaful coverage for medical and funeral expenses, and is protected by PIDM (crawled maybank2u.com.my 2026-08-06).

Maybank Islamic's everyday savings account, described on the product page as a Shariah-compliant savings account based on the contract of Qard (loan): the customer lends money to Maybank Islamic as borrower, which is obliged to repay in full. It comes with the Maybank Card Visa Debit earning TreatsPoints, e-pos cashless shopping, Maybank2u online banking, ATM services and Kawanku Phone Banking, no cap on withdrawals at home branches, and PIDM protection. Minimum deposit is RM250 for adults and RM1 for Trust/Minor/Student/monthly instalment accounts (crawled maybank2u.com.my 2026-08-06).

Tiered Tawarruq savings account from MBSB Bank: 0.20% p.a. up to RM10,000, 0.50% to RM50,000 and 1.00% p.a. above RM50,000, with fixed monthly profit, RM100 initial deposit and RM50 minimum balance. PIDM-protected.

Tawarruq term deposit from MBSB Bank with tenures of 1 to 60 months from RM500: 1.90% p.a. at 1-2 months to 2.20% p.a. at 36-60 months (maturity payment), with monthly and quarterly profit-payment options on 15+ month placements.

Islamic fixed deposit from OCBC Al-Amin with rates effective 1 January 2026: 1.85% p.a. at 1-2 months stepping to 2.10% p.a. from 12 to 60 months, published on the bank's Islamic rates page.

Behaviour-based Islamic savings account from OCBC Al-Amin: base profit 0.10% p.a., rising to an effective 1.10% p.a. for depositing RM500/month, 2.05% for also paying 3 bills online, and 3.00% p.a. for also spending RM500 on the debit card-i - bonuses capped at RM100,000 balance.

Public Islamic Bank's capital-guaranteed term deposit, described on the page as based on the Shariah concept of Murabahah and Tawarruq, with fixed pre-determined returns and no maximum deposit. Printed rates effective 5 August 2026: 1.70% p.a. for 1 to 3 months, 1.80% for 4 to 6 months, 1.85% for 7 to 12 months and 2.00% for 13 to 60 months, with identical rates on the PB eTerm Deposit-i placed online. Minimum RM5,000 for 1 month, RM1,000 for 2 months and above. Open to residents and non-residents 18+, plus societies, associations, clubs, government agencies and businesses. PIDM protected up to RM250,000 per depositor (crawled publicislamicbank.com.my 2026-08-06).

Public Islamic Bank's all-purpose savings account with the contract in its name, opened with RM250, carrying the PB Lifestyle Debit Card and full access to Public Bank/Public Islamic Bank branches, ATMs and PBe online banking. Printed profit tiers effective 16 January 2025: 0.00% on the first RM10,000, 0.05% on the next RM350,000, 0.15% on the next RM500,000 and 0.25% thereafter. The same deposit rates page prints the CM ForU2Save Savings Account-i at 2.10% p.a. on the first RM50,000 and the CM PB MySalary Savings Account-i rising to 1.00% p.a., all under a published Ceiling Profit Rate of 5.00% used for the Commodity Murabahah selling price. PIDM protected up to RM250,000 per depositor (crawled publicislamicbank.com.my 2026-08-06).

Public Islamic Bank's chequing account under the Commodity Murabahah structure: RM3,000 initial deposit for individuals (RM5,000 for partnerships, corporates, associations, clubs and societies), no minimum balance, PB Lifestyle Debit Card for individuals, standing instructions, optional Cash Line Facility-i overdraft-equivalent, and access via the Public Bank group's branches, ATMs, PBe and PB Enterprise. The page describes it as non-profit bearing; the separate CM Plus Current Account-i variant prints tiers up to 0.80% p.a. above RM3.5 million (effective 16 January 2025). An introducer is required to open. PIDM protected up to RM250,000 (crawled publicislamicbank.com.my 2026-08-06).

RHB Islamic's chequing account family with printed profit tiers effective 28 August 2025: the standard Current Account-i offers two options, with Option 2 paying 0.55% p.a. on balances up to RM500,000, 0.70% to RM1,000,000 and 1.00% above RM1,000,000 (Option 1 pays 0.00% across tiers). The Premier Current Account-i pays up to 1.70% p.a. on balances above RM1,000,000 under a split-tier calculation method introduced 1 February 2024. PIDM protected (crawled rhbgroup.com 2026-08-06).

RHB Islamic's term deposit with the contract in its name: effective rates printed on RHB's Islamic rates page effective 22 April 2026 are 1.75% p.a. for 1 to 3 months, 1.85% for 4 to 5 months, 1.90% for 6 to 12 months, and negotiable above 12 months. The page notes all rates are based on previous or historical distribution rates and that the deposit sits within RHB's Commodity Murabahah (CM) deposit product family. RHB is a PIDM member bank (crawled rhbgroup.com 2026-08-06).

RHB Islamic's everyday savings account with profit rates printed on RHB's rates page effective 28 August 2025: 0.00% up to RM20,000, 0.05% to RM50,000, 0.10% to RM100,000 and 0.20% above RM100,000. The same Islamic rates page also prints the RHB Children Account-i (1.75% on the first RM50,000), Basic Savings Account-i (flat 0.25%, effective 24 June 2020) and the RHB Smart Account-i with 0.00% base rate plus bonus rates up to 6.60% p.a. effective 1 January 2026 for qualifying behaviour. RHB Bank Berhad is a PIDM member and publishes its PIDM DIS brochure and list of insured deposits site-wide (crawled rhbgroup.com 2026-08-06).

Commodity Murabahah savings account from Standard Chartered Saadiq paying 0.05% p.a. profit plus 5% cashback (to RM250/month) on e-wallet top-ups, travel and overseas debit spend, with zero currency-conversion fees and ATM fee waivers.

Commodity Murabahah term deposit from Standard Chartered Saadiq with promotional 12-month rates of 3.75% p.a. (new-to-Priority Private or wealth-product purchase) and 3.60% p.a. (new-to-Priority Banking or AUM maintenance), minimum RM60,000, maximum RM1,000,000.