https://atlasmuamalat.com.my/faqs/

Click on Hi-5! Campaign in FAQ.

- 3 month campaign from 3 July to 3 Oct 2025 or when the campaign portfolio reaches RM25 million, whichever comes first.
- 5% profit/interest for maximum RM50k deposit only.
- Interest credited daily.

Search "Atlas Muamalat" app in your App Store.

After you create your account in the app, there is a 12-hrs cooling off period before you can make a deposit.

This post has been edited by brandonkl: Jul 4 2025, 08:20 PM


Attached thumbnail(s)

campaign will end upon reaching rm25 million deposit

how soon it will happen? hmm

Very soon. RM50k x 500 users. I’m waiting for my cooldown then dump 50k in it

If you need a referral code feel free to PM.

Can get 2.5k points, can redeem for a RM5 Petronas voucher.


EDIT: If you already signed up without a referral earlier, after account activation can still key in referral to get 2.5k points

This post has been edited by Optizorb: Jul 4 2025, 10:29 PM

yea .. then the 5% actually may last less than 1 month?

I think what they meant is 5% interest is only for the first RM25mil depositor?

How long will it takes to know or
How to know if your 50k deposit is qualified for the 5.0% pa campaign or
That the RM25mil target had been achieved and thus the 5.0% pa is no more?

Else it will just be 0.05%pa


Attached thumbnail(s)

you will know la
can see mah

new user to sign up needs 2 days to review or immediately get approval?

Mine immediate approval but still need 12-hrs cooling period before can make deposit.

I forgot to change my transfer limit now I have to wait another 12 hours before i can dump full amount

Once you are the first RM25 million deposit and leave your money there, you will continue to receive the 5% until 3 Oct 2025.

Say you decide to deposit another RM10k two weeks later, this RM10k may not receive the 5% interest if the pool has reached RM25 million.

So, once you make your first deposit and confirm next day (from the daily interest crediting) that you are receiving the 5% interest, then better leave it there until 3 Oct 2025.

Not just leave there. you still can withdraw your money.

13. Can I withdraw my money during the campaign?
Yes, you can withdraw anytime. But keep in mind: your daily profit is based on your end-of-day balance, so withdrawing funds may affect your total earnings.

8. How is the profit calculated and when will I receive it?
We calculate your profit daily. Once your earnings hit RM0.01, they’ll be credited directly into your account. Simple and transparent!

This post has been edited by cybpsych: Jul 5 2025, 08:48 AM

Anybody have problem registering? Keep giving me error try again later

Just received my daily interest. I think the cut off time for interest calculation is 12am. Cause the fund I deposited after didn't get counted.

Love bank that gives daily interest!

Anyone can advise where to set the transfer out limit?

Good temporary parking place for my $$$

👍

Just put in 30k

The app feel barebone

Anyone have issues making deposit via DuitNow? Tried different banks but unsuccessful

From other banks to atlas? If yes, u have to set from ur respective online banking settings and it will have 12 hours cool down period before it take effect.

I have successfully done it with Maybank, CIMB Bank, Standard Chartered, UOB and Public Bank.

I believe he is asking about Duitnow transfer limit from Atlas to other banks

Currently, there is no option to set Duitnow transfer limit in the Atlas Android app. Not sure about the iOS.

However, if you go to the Duitnow transfer screen, you can see it states that the daily maximum limit is RM10k daily.

This post has been edited by brandonkl: Jul 5 2025, 06:53 PM

Same for IOS also

mine need 12 hour cooling period, but my husband need 2 days review, dont know why like that

12hrs cooling is after success ekyc and approval

ur hubby probably flagged by ekyc/screening and need further checking review by compliance team

Same same. I registered yesterday around 10pm and I got the SMS today around 8.30pm to notify me that the review was success. (Are they working today)?

I proceeded to register and created username, password etc. I will need to wait 12 hours cooling period again.

Is it still 5% now?

only can find out by 12.01am i think

just deposited another 15k

Any way to disable the solat reminder and sound without turning off notification?

This post has been edited by Barricade: Jul 5 2025, 11:18 PM

You must have accidentally activated it? Mine is not activated or they activate by default if you are Muslim?

Go to the "Islamic" tab. Scroll down to Solat Tracker and uncheck it.

I didn’t activate it. All 5 are unchecked. It’s ok I disable the system notification for this app.

Atlas is 100% digital bank like GXbank, AEON and Boost?

Yes

Can confirm that funds deposited at 10:30 a.m. on 5 July 2025 are earning the 5% interest.

My Accrued Profit YTD has changed from 0 to RM6.84.

I think it's for you to keep track. You know, check it after you perform solat

It kept bugging me to turn on Notification ever since i installed it. So each time, i have to choose not to turn on. Disabled notification for almost all my apps. They're a nuisance.

This post has been edited by beLIEve: Jul 6 2025, 12:48 AM

11.30pm still got 5%

Proper term is Profit ah. Interest is haram.

my balance showing the right profit amount but 0 in accrued profit YTD

weird

They can call it anything they want, as long as I get my money 🤑

Received RM6.85 profit, transaction time 1:00am

not exactly.

gxbank/aeon bank/boost bank got their Digital Bank license from BNM. they dont have banking license to begin with. also, bnm limited digital bank license to 5 operators.

atlas/bank muamalat, rize/alrahji, be u/bank islam ... are digital savings product, an extension to their conventional banking product offering.


mine too. cacat app a bit, but still considerably faster than Rize/AlRahji apps!

transaction history also weird refresh.

1) if transfer fund in, txn history not updated. need to close close/reopen app. account balance updated immediately.

2) if transfer fund out, txn history update immediately.

This post has been edited by cybpsych: Jul 6 2025, 08:00 AM

That is why I asked that question .

It's new apps...

Give chance lorh

Later updates, they would fixed all the bugs & design 😁

At Islamic tab > Prayer > end of the timing there is icon like speaker click to mute/off > top right corner (gear icon setting) > Scroll down until 'Notification' > turn off (none).

This post has been edited by SydneyKL: Jul 6 2025, 10:23 AM

To transfer into Atlas, choose Bank Muamalat?

Can go to the branch and do cash deposit into the account using CDM?

This post has been edited by GalaxyV: Jul 6 2025, 11:28 AM

Someone have to test. If your name pops up after you key in account number, then can loh

When I am free, I go to test.

Previously said traditional bank need apply digital bank license. And only 5 digital license available.
Now allow to use traditional license to open digital bank?
There is no Atlas in PIDM website

I think Atlas is not digital bank. It is just a digital savings account by Bank Muamalat in the form that it can be opened online without physical visit.

That's correct, at first I also can't find Atlas in the bank list so I tried Bank Muamalat and my name appeared before final confirmation (I do not have Bank Muamalat account).

Then I tested transfer RM1 and it appeared in my Atlas balance

Same same. I believe we can do CDM or cash deposit via counter.

It is just a digital product, not the bank.

If it is a digital bank, the acc can't be transferred by company's IBG or batch transfer one.

This post has been edited by GalaxyV: Jul 6 2025, 01:31 PM

gx set the bar abit too high i guess ...

was abit worried when i dun see the pocket / security feature

That's the difference between local & tiny island standard...

That's why when we see new digital banking apps... Needs to be perfect....

I found this in its PDS

just put another 5ok new account just now
still show 5% rate there

not yet hit 500 pax lagi?

did they mention 500 pax? i thought hit 25m deposit?

put another 50k? max per person is 50k only

This post has been edited by GalaxyV: Jul 6 2025, 09:10 PM

Assume everyone got 50k

Friends and Family

Since the functionality is still primitive, i think have to wait for tonite's payout to know.

Edit : When I download yesterday, total download was around 100+ to 200+ on Google. i don't remember exactly which one. Just checked and it's 500+. Add iOS and 12 hours freeze, quota should finish latest tomorrow morning.

This post has been edited by beLIEve: Jul 6 2025, 10:32 PM

Accrued dividend amount equivalent to 5%. Last deposit around 9am Jul 6

Wait, why yall feel the need to keep mentioning what time you make the deposits?
I made deposit at 11.58pm just now, of course still get it..

Because Atlas already stated they will make announcement if/once the 25mil cap reached what.. It's even in their TNC!
So until they make such announcement, you can safely assume 5% is still on la, no need to worry.

and im pretty sure its gonna work just like GX last time when launched, once they make announcement stating capped has been reached, then that is the final day for all deposits to enjoy the promotional rate. New deposits from next day onward only will be without promotional rates.

So its not as if like they make announcement at 3pm, then all deposits from 3.01pm onward will be board rate already..



This post has been edited by Optizorb: Jul 7 2025, 01:11 AM

1.0 Different bank different protocol

2.0 No mention they will honor deposits exceeding $25m on the day it hits $25m

3.0 Mostly shared for others who has yet to deposit

say tomorrow quota full, new depositor no more 5%

that means we have each already captured that 5%
with our max RM50k

is this quota RM50k for 5% 'captured' or fixed in our account till campaign end?
others cant take it away even after we make some withdrawal?

meaning we withdraw RM20k, balance RM30k earn 5%
few days later, we put back 20k , we get 5% again for RM50k

this is important so that we can safely withdraw and then later put back

anyone done withdrawal and redeposit back
please share your experience

This post has been edited by guy3288: Jul 7 2025, 01:22 AM

1.0 & 2.0:
- Point still stands, until they make such announcement...
- Once they made that announcement, it will surely clarify whether they would honour all deposits on the final day or only until cut-off as well.

3.0: Yes, this is also a sharing for others who have not deposited.
Im telling yall there is no need to worry about when you made your deposit..
As long as Atlas yet to make any announcement regarding this campaign, deposit away merrily.

FAQ states duitnow transfer limit is rm50k but currently we can only transfer out rm10k daily

IINM, my memory might be hazy. But it might be a BNM thing?

Example: boost when started also max transfer 10k only. After a certain period then only can offer 50k transfer..

I remember cybpsych saying something about this before

This post has been edited by Optizorb: Jul 7 2025, 02:03 AM

Opened acc yesterday. Can login today, but cannot transfer funds in to activate my account.

When I tap DuitNow in the app, it says "you don't have an eligible account to make a transfer"

When I try transfer from MBB, I can see my name and atlas account no, but transaction fails.

Anyone facing this?

close app and reopen again?

then make inward transfer from mbb again.

Buggy apps... Since it's new...

Try to restart your phone & apps...

Didn't work. Now I logged out and logged back in again same phone, and it ask me to unbind and rebind again. If no rebind cannot continue.

Now after rebind need to wait another 12hr cooling off. haihz..

Try calling CS & see can resolve your issues

at least it asked you for 12hr cooling off (new acct creation)

wait after cooling off, then do fund in transfer

Same problem for me also..

Very hard to deposit money in after 12hrs cooling period is over and accounts supposedly active already

yesterday it took me so many attempts to get first deposit in....once test rm100 successfully in, then easy can fill up RM 50k.

The worse thing is if use Rize to send money it can tell you limit exceeded transactions failed, but money actually received in muamakat Atlas!

Luckily I asked for kids check balance how much before I send more money...quite a hassle got to keep disturbing my kids

so it is Rize's problem or Atlas?

Deposit to Atlas failed repeatedly is Atlas problem.
Because I tried various banks all cannot

Send money from Rize , messaged transaction failed, but money actually received in Atlas, I think is Rize problem
System erratic

I happen Rize to Atlas got error,
Then Rize deducted but Atlas didnt show received.
Jialat.

there seems to be a gap/delay in activating the acct after 12hr grace period

5% is for us to help weed out remaining bugs

This post has been edited by beLIEve: Jul 7 2025, 11:59 AM

It does not automatically activate the account after the 12 hours cooling-off period. You still need to make an initial deposit of any amount from any non-digital bank then only it will activate the account.

Maybe that's why you had issues with Rize.

must be from non-digital bank? I thought savings acc in your name can liao?

No need. I made all my deposits from GxBank and all went smoothly.

I transfer from gxbank with no issue

so his logic x betul.

yes

he didnt understand our problem

the problem is account sudah ready
mahu deposit money

tak boleh masuk!!!

you can try many banks
sama jugak

but after sometimes then boleh
msytery

tapi now happy dapat 5%

So quota full already?

I have been trying and trying.....so I guess I need to try till the mystery is solved..... ;o))

you try TNgo RM10 first

once this is done you can hantam RM50k liao

We’ll make an official announcement once the campaign ends, either due to the end date or hitting the RM25 million cap

or your daily profit is lesser than expected

Wonder anyone applied but needs to be reviewed and then rejected?

no announcement yet.

My S23U got 2 same atlas app installed, very weird

after you open 1 of it, will become 1 icon back

Same with me Samsung phone as well. Very strange.

No, i open voth of them multiple time dy, still there

ohh weird, mine when just installed show 2 icons, after opening the app first time, then became 1 icon

I am using s24 ultra, also have 2 icons after installing the apps and it won't go away. Either 1 lead me to the same thing so I cpundlt be bother for now

Deleted. Thanks

This post has been edited by Medufsaid: Jul 7 2025, 11:05 PM