What is Bank Muamalat�s sustainability commitment?

Bank Muamalat embeds ESG considerations into its Shariah-compliant strategies and operations to create positive impact for stakeholders, guided by Islamic values and Value-Based Intermediation (VBI) principles.

What does EESG mean in Bank Muamalat�s sustainability approach?

EESG refers to Economic, Environmental, Social and Governance pillars. These four areas guide Bank Muamalat�s sustainability initiatives to promote inclusive growth, environmental stewardship, social empowerment and strong governance.

How does sustainability align with Shariah principles at Bank Muamalat?

Sustainability at Bank Muamalat is guided by Islamic values, ensuring all strategies, financing and operations remain Shariah-compliant while delivering long-term positive impact to society and the environment.

What is Value-Based Intermediation (VBI)?

Value-Based Intermediation (VBI) is an Islamic banking approach that focuses on delivering sustainable outcomes to the economy, community and environment, beyond financial returns.

Which United Nations SDGs does Bank Muamalat support?

Bank Muamalat supports seven priority UN Sustainable Development Goals: No Poverty (1), Zero Hunger (2), Quality Education (4), Decent Work and Economic Growth (8), Reduced Inequalities (10), Responsible Consumption and Production (12), and Peace, Justice and Strong Institutions (16).

How does Bank Muamalat address environmental impact?

Bank Muamalat manages environmental impact through initiatives focused on carbon footprint reduction, energy efficiency, water usage management, waste reduction and climate risk assessment.

How does Bank Muamalat practice responsible financing?

Responsible financing is implemented through ESG scorecards, climate risk assessments and sustainability screening to ensure financing decisions align with environmental and social responsibility.

What governance structures support sustainability at Bank Muamalat?

Sustainability governance is overseen by the Board of Directors and Board Risk and Compliance Committee, supported by internal policies, ethical standards and sustainability management frameworks.

Where can I find Bank Muamalat�s sustainability reports?

Bank Muamalat�s sustainability performance and initiatives are published in its Sustainability Statements available on the official website.

What is Savings Account-i?

Savings Account-i is a Shariah-compliant savings account by Bank Muamalat that helps you save while earning profit on your account balance.

What is the profit rate for Savings Account-i?

The profit rate for Savings Account-i is 0.05% per annum on all balances.

What is the minimum deposit to open a Savings Account-i?

The minimum initial deposit required to open a Savings Account-i is RM20.

How can I apply for Savings Account-i?

You can apply by clicking the �Apply Now� button on the product page, visiting the nearest Bank Muamalat branch, or contacting the Customer Care Line at 03-2600 5500.

Who is eligible to open a Savings Account-i?

Savings Account-i is available for individual residents and non-residents aged 18 years and above. Joint account holders are also eligible.

Is Savings Account-i protected by PIDM?

Yes. This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor, subject to PIDM�s terms.

What services are available for eligible Savings Account-i customers?

Eligible customers receive services such as free account enquiry, debit card (physical and virtual for digital banks), access to i-Muamalat app and internet banking, funds transfer services under the ICTF rules, and free cash withdrawals and deposits at Bank Muamalat channels.

Where can I find the Terms & Conditions and Product Disclosure Sheet for Savings Account-i?

The product page provides links to the applicable Terms and Conditions (including CASA Tawarruq/Qard and Online Savings Account) and the Product Disclosure Sheets for Savings Account (Tawarruq and Qard).

What is Personal Financing-i (Tawarruq)?

Personal Financing-i (Tawarruq) is a Shariah-compliant financing facility by Bank Muamalat designed to provide cash financing for personal financial needs, provided that the purpose does not contravene Shariah principles.

What is the Shariah concept used for Personal Financing-i?

Personal Financing-i is based on the Shariah concept of Tawarruq as the underlying structure for financing.

What contracts are involved in the Tawarruq structure for Personal Financing-i?

The Tawarruq arrangement incorporates Shariah contracts including Wa�d Mulzim (binding promise), Murabahah (cost-plus sale), and Wakalah (agency).

What can Personal Financing-i be used for?

Personal Financing-i is intended to support personal financial needs, subject to the condition that the financing purpose does not contravene Shariah principles.

How do I apply for Personal Financing-i?

You can apply for Personal Financing-i online via Bank Muamalat�s application platform or through the Apply Now option on the product page. You may also contact the bank or visit a branch for assistance.

Can I calculate my instalment before applying?

Yes. You can estimate your financing using the Personal Financing calculator available via Bank Muamalat�s online channels before submitting an application.

Is Personal Financing-i Shariah-compliant?

Yes. Personal Financing-i is structured using Shariah concepts and contracts (including Tawarruq) to ensure the facility remains Shariah-compliant.

Where can I find official product information and documents?

Official product information is provided on the Personal Financing-i product page. For full details, refer to the bank�s published product documents and terms where applicable.

What is Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu is an Islamic pawn broking facility where customers pawn gold items to obtain immediate financing. It is structured based on the Shariah concepts of Tawarruq (commodity Murabahah) and Rahn (pawn broking).

How much financing can I get with Muamalat Ar-Rahnu?

Customers may obtain financing of up to 80% of the current value of the pledged gold items (marhun value), subject to the bank�s terms and conditions.

What is the maximum financing amount for Muamalat Ar-Rahnu?

Muamalat Ar-Rahnu offers financing of up to RM500,000, subject to the bank�s terms and conditions.

What is the profit rate for Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu provides a fixed profit rate of 11.25% per annum (equivalent to 0.9375% monthly), calculated based on the financing amount, subject to applicable terms.

What is the maximum tenure for Muamalat Ar-Rahnu?

The tenure for Muamalat Ar-Rahnu is up to 18 months, subject to the bank�s terms and conditions.

Does Muamalat Ar-Rahnu include Takaful coverage?

Yes. Muamalat Ar-Rahnu includes free Takaful coverage, subject to the bank�s terms and conditions.

Is there an Ar-Rahnu calculator available?

Yes. Bank Muamalat provides an Ar-Rahnu Calculator to help customers estimate financing and profit servicing based on inputs such as gold weight, margin financing and tenure.

Is online Ar-Rahnu revaluation available?

Yes. The product highlights an easy online Ar-Rahnu revaluation facility, subject to the bank�s service availability.

What is Muamalat Vehicle Financing-i (MPO)?

Muamalat Vehicle Financing-i (MPO) is a Shariah-compliant vehicle financing facility by Bank Muamalat designed to help customers finance a vehicle purchase with convenient payment options, including up to 100% financing, subject to terms and eligibility.

What is the Shariah contract used for Muamalat Vehicle Financing-i (MPO)?

This product is structured based on the Shariah contract of Murabahah to the Purchase Orderer (MPO).

What does the MPO arrangement involve?

The MPO arrangement involves a combination of Wa�d Mulzim (binding promise), Wakalah (agency) and Rahn.

How much financing can I get for my vehicle purchase?

Muamalat Vehicle Financing-i (MPO) offers up to 100% financing for eligible vehicle purchases, subject to the bank�s assessment and terms and conditions.

How do I enquire or apply for Muamalat Vehicle Financing-i (MPO)?

You may enquire by selecting Talk to Us on the product page or visit a Bank Muamalat branch for assistance and application guidance.

What is Bank Muamalat Visa Platinum-i?

Bank Muamalat Visa Platinum-i is a Shariah-compliant Credit Card-i that offers cash back and other benefits under the Tawarruq concept, tailored for everyday retail spending and balance transfer options.

What cashback benefits does Visa Platinum-i offer?

The card offers unlimited 1% cash back on overseas spend, 1% cash back on e-commerce spend (capped per month), and 0.3% cash back on contactless spend (capped per month).

Is there an annual fee for Visa Platinum-i?

Yes. The card has an annual fee, but it may be waived for the first year and for subsequent years upon meeting the minimum transaction requirements.

Does Visa Platinum-i offer balance transfer plans?

Yes. The card provides a 0% balance transfer plan for a specified period subject to terms and promotions available at the time of application.

How do I apply for the Visa Platinum-i credit card?

You can apply through the Bank Muamalat website using the Apply Now link, or contact the bank�s customer care or nearest branch for assistance.

Currency	Sell	Buy
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Updated on 24/01/2024 9:15 am More currencies

Gold Standard	Price per gram (RM)
750	558.33
835	621.60
875	651.38
916	681.90
950	707.21
999	743.69
Updated on 30/01/2026 9:00 am	More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	703.49	654.18
Physical	728.14	654.18
EasiGold (Less than RM15,000)	689.013	683.179
EasiGold (RM15,000 and more)	688.013	682.179
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 30/01/2026 9:30 am	More details

Currency	Sell	Buy
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Updated on 24/01/2024 9:15 am More currencies

Currency

Sell

Buy

AUD

0.00

BND

0.00

EUR

0.00

SGD

0.00

USD

0.00

Updated on 24/01/2024 9:15 am

More currencies

Gold Standard	Price per gram (RM)
750	558.33
835	621.60
875	651.38
916	681.90
950	707.21
999	743.69
Updated on 30/01/2026 9:00 am	More details

Gold Standard

Price per gram (RM)

750

558.33

835

621.60

875

651.38

916

681.90

950

707.21

999

743.69

Updated on 30/01/2026 9:00 am

More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	703.49	654.18
Physical	728.14	654.18
EasiGold (Less than RM15,000)	689.013	683.179
EasiGold (RM15,000 and more)	688.013	682.179
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 30/01/2026 9:30 am	More details

Secure Your Future Wealth with Gold Today.
Perth Mint 99.99% Gold Minted Bar/Account Price:

Product Type

Bank Sell

Bank Buy

Account

703.49

654.18

Physical

728.14

654.18

EasiGold (Less than RM15,000)

689.013

683.179

EasiGold (RM15,000 and more)

688.013

682.179

(*Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value)
*At selected branches only

* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store

Updated on 30/01/2026 9:30 am

More details

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Our Financing Solutions

Financing Product
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Muamalat Al-Ijarah

This financing is for the acquisition of assets such as vehicles, equipment, and machinery, based on the principles of Al-Ijarah (leasing) followed by Al-Bai' (sales/purchase).

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Muamalat Murabahah Tawarruq Financing

Tawarruq is an arrangement that involves a purchase of a commodity or asset based on deferred payment basis by way of Murabahah. In this case, the Customer is purchasing the…

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Muamalat Revolving Financing-i (MRF)

This facility is based on Al-Murabahah contract. Under Murabahah, the Bank finances the customer by purchasing the Muamalat Revolving Financing trust Certificate and execution of Muamalat Revolving Financing Sale Contract.…

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Muamalat Cashline-i Facility (MCash)

The product is based on the Shariah concept of Tawarruq and other relevant Shariah contracts. For the business use, this product is offered for working capital purposes and/or combination with…

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Export Credit Refinancing (ECR-i)

There are two types of facilities available to exporters under ECR – i Scheme

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Murabahah Working Capital Financing-i (MWCF)

Al-Murabahah is a “cost-plus” sale contract. It is a facility granted to customers for financing their short term working capital requirement by way of lump sum deferred payment cost plus…

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Letter of Credit-i (LC-i/DC)

LC-i / DC is similar to the conventional letter of credit. It is written undertaking given by the Bank at the request of the buyer to pay a seller (the…

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Foreign/Domestic Outward Bill for Collection-i (FOBC-i/DOBC-i)

Facility granted to the seller to finance their trade debt, which arises from sale contract of goods (halal), presented under Documentary Credit under the principle of ‘Bai Al-Dayn’.

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Foreign/Domestic Inward Bill for Collection-i (FIBC-i/DIBC-i)

Facility granted to the seller to finance their trade debt, which arises from sale contract of goods (halal), presented under Documentary Credit under the principle of ‘Bai Al-Dayn’.

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Foreign/Domestic Bill of Exchange Purchase-i (Documentary)

Facility granted to the seller to finance their trade debt, which arises from sale contract of goods (halal) under contract of ‘Bai’Al-Dayn’. A short term financing whereby the bank purchases…

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Foreign/Domestic Bill of Exchange Purchase-i (Authority to Purchase)

Facility granted to the seller to finance their trade debt, which arises from sale contract of goods (halal), presented under Documentary Credit under the principle of ‘Bai Al-Dayn’.

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Bai’ Al Dayn Working Financing-i (BWCF)

Bai’ Al Dayn refers to the sale of a debt arising from trade and services transaction in the form of a deferred payment sale. The customer sells this debt to…

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Al Kafalah Shipping Guarantee (KSG)

This is a guarantee provided by a person (the Bank) to the owner of a goods, who had placed or deposited his goods with a third party, made under the…

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Al Kafalah Bank Guarantee (KBG)

This is a surety given by the Bank (made under the concept of Al-Kafalah of Al-Dhamanah) whereby agrees to guarantee a liability of a customer/applicant in case of the latter…

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Proton Dealer Financing Program

To provide financial support to authorized Proton dealerships, helping them with their operational and financial needs to promote and sell Proton vehicles.

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Government Guarantee Scheme Madani – SME

To provide financing assistance to Malaysian Small and Medium-sized Enterprises (SMEs) and Mid-Size Companies (MSCs)

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Vendor Financing Program/Contract Financing – SME

This financing option allows SMEs to bridge the gap between the delivery of goods or services and the receipt of payment from their customers

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PEMULIH Government Guarantee Scheme – SME

PEMULIH government guarantee scheme gives financial assistance to SMEs in all industries.

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Commercial Property Financing – SME

Commercial Property Financing (CPF) for small and medium-sized enterprises (SMEs) refers to financial products and services specifically designed to assist SMEs in acquiring or refinancing commercial properties for their business…

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Bank Negara Funds SMEs

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Muamalat Industrial Hire Purchase-i Financing

Bank Muamalat Malaysia Berhad (BMMB) now offers vehicle, commercial truck, and equipment financing to business entities/commercial customers.

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Muamalat Hire Purchase-i Financing

Bank Muamalat Malaysia Berhad (BMMB) now offers vehicle, commercial truck, and equipment financing to business entities/commercial customers.

Learn More

Commercial Property Financing (CPF)

Commercial property financing for own occupy with Mcash facility. To provide financial support for individuals and businesses looking to acquire or refinance commercial properties.

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Apply Now

Vendor Financing Program (VFP)

Vendor financing is a funding arrangement wherein a vendor assists a customer in availing of finance either directly or indirectly.

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Apply Now

All Economics Sector (AES)

Enhance access to financing for SMEs in all economic sectors, to support growth.

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Apply Now

High Tech and Green Facility (HTG)

Designed to help SMEs and innovative start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech, and biotech) for a sustainable and entrenched…

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Apply Now

Skim Jaminan Mara (SJUM)

Skim Jaminan Usahawan MARA (SJUM) gives financial assistance to Bumiputera SMEs & Mid Size Companies (MSC) in all industries.

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Apply Now

AUSTRALIAN DOLLAR	AUD	2.842000	2.688000	2.672000
BRUNEI DOLLAR	BND	3.209000	3.025000	3.014000
CANADIAN DOLLAR	CAD	2.963000	2.859000	2.842000
SWISS FRANC	CHF	5.247000	5.022000	5.004000
EURO	EUR	4.848000	4.582000	4.560000
STERLING POUND	GBP	5.559000	5.316000	5.307000
NEW ZEALAND DOLLAR	NZD	2.505000	2.327000	2.312000
SINGAPORE DOLLAR	SGD	3.209000	3.025000	3.024000
UNITED STATES DOLLAR	USD	4.045000	3.829000	3.812000