Cash-i SMART

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	328.61
835	365.85
875	383.38
916	401.34
950	416.24
999	437.71
Updated on 17/01/2025 9:00 am	More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	420.30	390.84
Physical	435.02	390.84
EasiGold (Less than RM15,000)	397.628	391.245
EasiGold (RM15,000 and more)	396.628	392.245
(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 17/01/2025 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	328.61
835	365.85
875	383.38
916	401.34
950	416.24
999	437.71
Updated on 17/01/2025 9:00 am	More details

Gold Standard

Price per gram (RM)

750

328.61

835

365.85

875

383.38

916

401.34

950

416.24

999

437.71

Updated on 17/01/2025 9:00 am

More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	420.30	390.84
Physical	435.02	390.84
EasiGold (Less than RM15,000)	397.628	391.245
EasiGold (RM15,000 and more)	396.628	392.245
(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 17/01/2025 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

420.30

390.84

Physical

435.02

390.84

EasiGold (Less than RM15,000)

397.628

391.245

EasiGold (RM15,000 and more)

396.628

392.245

(*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 17/01/2025 9:30 am

More details

Cash-i SMART

Smart finance solutions that provide peace of mind & comfort.
Seamless | Effortless | Hassle-Free

Cash-i SMART

Smart finance solutions that provide peace of mind & comfort.
Seamless | Effortless | Hassle-Free

Smart finance solutions that provide peace of mind & comfort.

Eligibility

Malaysian citizen age 18 until 70 years old (if applicable)
Minimum monthly income RM2,000
Salaried employees

Features and Benefits

Fast approval
Online application
No processing fees and apply through MAP
No collateral required
No guarantor
Up to 7 years tenure
Monthly instalment as low as RM211 per month
Optional takaful coverage

Market Segment

Mass Market/Affluent Market/Professional for retail consumer, corporate and government including Public Listed Companies, MNCs and Private Limited

Profit Rate

Tenure (years)	Flat Rate	Equivalent to Effective Profit Rate
2-7	6.99% p.a. to 10.99% p.a	12.89% p.a. to 18.08% p.a

Financing Tenure:

Minimum: 2 years | Maximum: 7 years

Financing Amount:

Up to RM250,000

Total Income:

Minimum income of RM2,000

Document Required

Copy of MyKad
Copy of 1 month pay slip
Copy of 1 month bank statement showing salary credited
Copy of EPF statement

Calculator

Term	Description
Concept	Tawarruq
Selling price	Fixed and Known Upfront
Takaful Protection	Highly encouraged
Choices Mode of Payment	Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer
Wasiat/Will Writing	Optional
Structure of Product	Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts	Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis. Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser. Wakalah refers to a contract where a party, as principal (muwakkil) authorizes another party as his agent (wakil) to perform a particular task on matters that may be delegated, with or without imposition of a fee. Wa’d is a unilateral promise which refers to an expression of commitment given by one party to another to perform certain action(s) in the future. Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

Term

Description

Concept

Tawarruq

Selling price

Fixed and Known Upfront

Takaful Protection

Highly encouraged

Choices Mode of Payment

Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer

Wasiat/Will Writing

Optional

Structure of Product

Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.

Shariah Concepts

Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
Wakalah refers to a contract where a party, as principal (muwakkil) authorizes another party as his agent (wakil) to perform a particular task on matters that may be delegated, with or without imposition of a fee.
Wa’d is a unilateral promise which refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

AUSTRALIAN DOLLAR	AUD	2.879000	2.715000	2.699000
BRUNEI DOLLAR	BND	3.393000	3.190000	3.179000
CANADIAN DOLLAR	CAD	3.173000	3.053000	3.036000
SWISS FRANC	CHF	5.060000	4.830000	4.812000
EURO	EUR	4.789000	4.513000	4.491000
STERLING POUND	GBP	5.737000	5.471000	5.462000
NEW ZEALAND DOLLAR	NZD	2.658000	2.462000	2.447000
SINGAPORE DOLLAR	SGD	3.393000	3.190000	3.189000
UNITED STATES DOLLAR	USD	4.632000	4.373000	4.356000

Cash-i SMART

Cash-i SMART

Product Features

Enjoy up to RM250,000 financing

Up to 7 years tenor

Minimum income RM2,000

Cash-i SMART

Eligibility

Features and Benefits

Market Segment

Profit Rate

Financing Tenure:

Financing Amount:

Total Income:

Document Required

Terms and Conditions

Product Disclosure Sheet

Downloads

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