Standard Chartered Saadiq Saadiq My HomeOne-i

Standard Chartered Saadiq Berhad carries one of the longest institutional Shariah pedigrees among foreign banks in Malaysia: its committee was formed in October 2000 and today comprises Dr. Ahcene Lahsasna (Chairman since 1 July 2019, also chairman of Standard Chartered UAE's internal Shariah supervision committee), Prof. Dr. Zurina Shafii, Mufti Muhammad Abdul Mubeen, Dr. Hakimah Yaacob and Dr. Mufti Yousuf Sultan - all profiled with appointment dates on the public committee page. Crawled 6 Aug 2026.

The product set targets the affluent. The Term Deposit-i promotion pays 3.75% p.a. (new-to-Priority Private or RM200,000+ wealth purchases) or 3.60% (new-to-Priority or RM200,000 AUM) on 12-month placements of RM60,000 to RM1,000,000 - the highest conditional deposit rates in this cluster, with the Commodity Murabahah mechanics diagrammed in four steps. JumpStart Account-i flips to the spend side: a named Commodity Murabahah savings account paying 0.05% profit whose value is 5% cashback (to RM250/month) on e-wallet top-ups, travel and overseas spending plus zero-fee currency conversion and ATM fee waivers. My HomeOne-i is an offset mortgage whose linked Operating Current Account deposits (capped at 70% of financing) reduce rental in real time, on financing from RM70,000 to RM20 million.

The pattern across the shelf: excellent contract disclosure and committee governance, with pricing that rewards consolidating wealth at the bank. Savers without RM200,000 relationships should benchmark against Al Rajhi's unconditional app rates and Alliance's board table; spenders and travellers will struggle to beat JumpStart anywhere in the Malaysian Islamic market.