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Home›Investment›FD Promotion 2026
Updated May 2026 · Verified from official bank pages

Best FD Promotion Malaysia 2026

Up to 3.70% p.a. — CIMB, AmBank, RHB, HLB, Public Bank compared

All rates verified from official bank promotions pages

FD Promotion Rates — May 2026

Sorted by rate. ⚠️ = investment account, not PIDM-protected fixed deposit.

Bank / ProductRate p.a.TenureMin. DepositCampaign Ends
CIMB TIA-i⚠️ Not PIDM3.70%10 monthsRM1,00028 May 2026
AmBank MTIA-i⚠️ Not PIDM3.70%12 monthsRM50031 May 2026
AmBank eFD3.65%12 monthsRM1,00031 May 2026
RHB CMD-i⚠️ Not PIDM3.65%12 monthsRM5,00031 May 2026
HLB eFD-i3.65%12 monthsRM1,00015 May 2026
CIMB eFD-i3.60%6 monthsRM1,00028 May 2026
Public Bank eFD3.60%12 monthsRM5,00030 Jun 2026

⚠️ PIDM Disclaimer

CIMB TIA-i and AmBank MTIA-i are investment accounts, not fixed deposits. They are NOT protected by PIDM. Principal and returns are not guaranteed. Standard PIDM-protected FDs are covered up to RM250,000 per depositor per bank.

📈 FSMOne — Free RM25Expires 29 May 2026

RM670/Month for 30 Years = RM1M — At 0% Sales Charge

Plus RM25 free and 50% OFF fees for 30 days when you sign up with code 4G4TEP.

Monthly DCA → RM1M at 8% p.a.

Monthly10 yrs20 yrs30 yrs
RM300/moRM55kRM177kRM449k
RM500/moRM91kRM297kRM749k
RM670/moRM122kRM397kRM1.0M
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FD vs Money Market Fund — What's the Difference?

If you're placing an FD for yield, money market funds are worth comparing. Both give ~3.5–4% p.a., but the mechanics differ significantly:

FD (Bank)Money Market Fund (FSMOne)
Indicative return3.40–3.70% p.a.~3.5–4.0% p.a.
Lock-in period3–12 monthsNone — daily liquidity
Minimum depositRM500–RM5,000RM100
PIDM protectedYes (up to RM250k)No
Principal guaranteedYesNot guaranteed

Bottom line

For short-term parking with guaranteed principal, FD wins. For flexibility (withdraw anytime) with similar yield, money market funds via FSMOne are worth considering — especially if you dislike being locked in.

How to Apply for FD Promotions Online

  1. Log in to your bank's mobile app or website (e.g. CIMB Clicks, AmOnline, HLB Connect)
  2. Navigate to Deposits → Fixed Deposit / Term Deposit
  3. Select the promotional product (TIA-i, eFD-i, etc.) — not the standard FD
  4. Choose tenure and enter amount (must meet minimum)
  5. Review rate shown — confirm it matches the promotional rate
  6. Confirm placement. Policy sent by email/SMS.

Most banks require online/app placements for promotional rates. Counter rates are typically lower.

myASNBDividen ~5.75% · Jamin Kerajaan

RM1,044/bulan → RM1 Juta dalam 30 Tahun

Plus RM10 percuma bila melabur RM100 pertama. Guna kod ZP3HXD.

Simpan10 thn20 thn30 thn
RM500RM80kRM224kRM479k
RM1,000RM161kRM449kRM959k
RM1,044RM168kRM469kRM1.0M
  • ✅Modal 100% terjamin kerajaan — tiada risiko kehilangan
  • 📈Dividen ~5.75%/tahun — lebih tinggi daripada FD kebanyakan bank
  • 🎁RM10 bonus terus masuk bila melabur RM100 pertama

Kod ZP3HXD disalin secara automatik apabila anda klik. Taip semasa daftar untuk dapatkan RM10.

*Unjuran berdasarkan dividen ~5.75% p.a. Dividen tidak dijamin tetapi konsisten sejak 2012.

Related Investment Tools

FD CalculatorASB Dividend CalculatorFSMOne ReviewInvestment Hub

Frequently Asked Questions

Which bank has the best FD promotion rate in Malaysia May 2026?
CIMB TIA-i and AmBank MTIA-i both offer the highest rate at 3.70% p.a. However, both are investment accounts (not fixed deposits) and are NOT protected by PIDM. For PIDM-protected FDs, the best rate is AmBank eFD, RHB, and HLB at 3.65% p.a. for 12-month tenure.
Is CIMB TIA-i a fixed deposit? Is it PIDM protected?
No. CIMB TIA-i (Term Investment Account-i) is a commodity-linked investment account, not a traditional fixed deposit. It is NOT protected by PIDM. Your principal and returns are not guaranteed. It typically behaves like an FD but carries slightly higher risk. AmBank MTIA-i has the same structure.
What is the minimum deposit for FD promotions in Malaysia?
Minimums vary: AmBank MTIA-i has the lowest at RM500. Most banks (CIMB, HLB, Maybank) require RM1,000 minimum. RHB and Public Bank promotional FDs require RM5,000. Most promotions are for online/app placements only.
Can foreigners apply for FD promotions in Malaysia?
Yes — most Malaysian bank FD promotions are open to both citizens and foreigners holding valid Malaysian identification (MyKad or passport with Malaysian bank account). However, some Islamic investment accounts may have eligibility restrictions. Check individual bank terms.
FD vs money market fund — which is better?
FD: principal guaranteed, PIDM protected (up to RM250k), locked-in for tenure (3–12 months), 3.40–3.70% p.a. Money market fund (e.g. via FSMOne): ~3.5–4.0% p.a., daily liquidity, no lock-in, minimum RM100, but principal not PIDM guaranteed. FD wins for safety and certainty; money market wins for flexibility.
Do FD promotion rates apply for renewal too?
No. Promotional rates almost always apply to the first placement only, or to new/incremental funds. Upon maturity, your FD auto-renews at the standard board rate (~2.05–2.30% p.a.) unless you manually re-apply for a new promotion. Always re-shop at maturity.