Bank Muamalat 1Malaysia
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Basic Savings Account (BCA)
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* Eligible for protection by PIDM

Open to all Malaysians and permanent residents with minimum initial deposit requirement. It is based on the requirement by Bank Negara Malaysia (BNM) to enable all Malaysians especially the lower-income group to enjoy basic banking services at very minimal cost. This account applies the Shariah concept of Al Wadi’ah Yad Dhamanah (refers to a contract by which an owned asset is placed with another party on the basis of trusteeship amanah for safekeeping purposes).


Malaysians and permanent residents
Applies to individuals only (single or joint)

Features and Benefits

Minimum initial deposit of RM20.00 (Twenty Ringgit) only
Under the concept of Al-Wadi’ah Yad Dhamanah, hibah, if any, shall be issued at the discretion of the Bank
Full Automated Teller Machine (ATM) functions at all Bank Muamalat machines or machines bearing MEPS/BANKCARD logo throughout the country (for card holders only).
Available for joint account
i-muamalat internet banking services (upon registration)
First two transactions for monthly Inter-Bank GIRO (IBG) will be charged RM0.50 (Fifty Sen) only each while thereafter, RM2.00 (Two Ringgit) of normal fee will be charged
Insured by PIDM up till RM250,000 (Two Hundred Fifty Thousand Ringgit Only)

*Terms and conditions apply.

Product Disclosure Sheet
Rules & Regulations

Click here for PIDM brochure

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