Bank Muamalat changed my profit rate from 4% to 3.75%!

The three FDs I placed with BM in May 2025 for 12 mths @ 4%, I see in my BM app that the profit rate has been changed to 3.75%.

These three FDs placed in May 2025 under the Bonus Booster Campaign.

Two other FDs placed in November 2024 @ 4.05% still remained at 4.05%.

Did anyone of you guys FD profit rate got changed??

This post has been edited by brandonkl: Jul 26 2025, 01:13 AM


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Under the Bonus Booster campaign T&C, it did state :

"The Campaign Profit Rates may be revised should there be a change in Overnight Policy Rate (OPR) or at the Bank's discretion"

Just checked again this morning, it's back to 4%.

I noticed the change just after midnight, it was showing as 3.75% and I screenshot them.

Looks like system update issue or it will just show 3.75% after midnight for a while.

I think it's how their system update works after midnight. Like now at 12.35 am, I checked and it's showing 3.75% again. Probably in next few hours, it will change back to 4%.

Just checked, back to 4% again.

3.85% or 3.75%? When I texted the Bank Muamalat officer yesterday, she told me it is 3.75%.

For Al-Rajhi Bank, can get 4% - 6 mths for RM300k placement.

31 August 2025.

The T&C and details :

https://www.alrajhibank.com.my/personal/pro...-term-deposit-i

After 6 months with the 4.28% interest, can close the account.

This is what I did with SCB Priority Banking early this year when they offered 4.08% for 6 months for new priority customers (min deposit RM350k)

Al-Rajhi just revised their TD interest rate downwards. Initially, 3.8% for 9 mths was supposed to be until 30 Sep 2025 but now highest is 3.7% @ 4 mths.

4 months - 3.7%
5 months - 3.6%

Currently 3.75% for 12 mths seems to be highest offered by BM, MBSB until 30 Sep 2025.

I think from 1 Oct 2025, will revise downwards. I will be happy if they can maintain 3.75%.

Currently 3.75% for 12 mths seems to be highest offered by BM, MBSB until 30 Sep 2025.

I think from 1 Oct 2025, will revise downwards. I will be happy if they can maintain 3.75%.

MBSB and Bank Muamalat still 3.75% for 12 mths for October.

I believe these two currently highest FD/TD rate.

This post has been edited by brandonkl: Oct 1 2025, 10:10 AM

OTC only

MBSB just revised downwards ... it is now 3.66% for 12 months.

Confirmed Bank Muamalat still 3.75% for 12 months.

This post has been edited by brandonkl: Oct 6 2025, 10:51 AM

At first glance when I saw this ad, I thought free nasi lemak with TD


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3.83% is probably the highest in the market now.

However, Bank Rakyat deposits are not protected by PIDM for those who are concerned.

Wonder why Be-U FD need to apply and wait for them to approve before can transfer funds. I already have few FDs with them and not new customer.

My FD with them matured last night and want to place another 12 mths today. It's pending their approval and I was told they only review and approve on weekdays. So, have to wait until Monday.

Lesson learned here is to apply for FD placement on Friday during business hours if your FD matures on Friday night.

This post has been edited by brandonkl: Oct 25 2025, 02:41 PM

No savings account in MBSB?