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 / Product	Rate p.a.	Tenure	Min. Deposit	Campaign Ends
Be U TD-i Advance	3.88%	12 months	RM1,000	30 Jun 2026
Alliance Privilege Banking	3.85%	6 months	RM10,000	30 Jun 2026
MBSB Bank Term Deposit-i	3.75%	12 months	RM1,000	30 Jun 2026
RHB CMD-i⚠️ Not PIDM	3.65%	12 months	RM5,000	30 Jun 2026
AmBank eFD	3.65%	12 months	RM1,000	30 Jun 2026
CIMB eFD-i	3.60%	12 months	RM1,000	30 Jun 2026
Standard Chartered FD	3.60%	12 months	RM30,000	30 Jun 2026
Public Bank eFD	3.60%	12 months	RM5,000	30 Jun 2026
Maybank eFixed Deposit-i	3.55%	12 months	RM1,000	30 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 31 July 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.

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM55k	RM177k	RM449k
RM500/mo	RM91k	RM297k	RM749k
RM670/mo	RM122k	RM397k	RM1.0M

✅900+ unit trust funds including ASNB
🌍Invest in Bursa, US (NYSE/NASDAQ) & HK stocks
🔐SC regulated — iFAST Malaysia

Use code 4G4TEP · Min. RM100 deposit · Offer expires 31 July 2026 · T&Cs apply

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 return	3.40–3.70% p.a.	~3.5–4.0% p.a.
Lock-in period	3–12 months	None — daily liquidity
Minimum deposit	RM500–RM5,000	RM100
PIDM protected	Yes (up to RM250k)	No
Principal guaranteed	Yes	Not 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

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

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

Dividen ~5.75% · Jamin Kerajaan

🏆 Kempen Pandu Impianmu 2.0

Labur RM500 — Peluang Menang BMW 320i M Sport

Setiap RM500 dilaburkan = 1 tiket cabutan. Labur via app myASNB = 2× tiket. Guna kod GENLABUR semasa melabur.

Cabutan	Hadiah Utama
Draw 1 (kini–Sep 2026)	Proton e.Mas 7 PHEV + 3x Bezza 1.3X
Grand Draw (kini–Mac 2027)	BMW 320i M Sport + 3x Bezza 1.3X

Dan jangan lupa — simpanan anda membesar:

Simpan/bln	10 thn	20 thn	30 thn
RM500	RM80k	RM224k	RM479k
RM1,000	RM161k	RM449k	RM959k
RM1,044	RM168k	RM469k	RM1.0M

✅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)

Kod rujukan ZP3HXD disalin automatik apabila klik — taip semasa daftar untuk RM10. Guna kod kempen GENLABUR semasa melabur untuk 2× tiket.

*Unjuran berdasarkan dividen ~5.75% p.a. Dividen tidak dijamin tetapi konsisten sejak 2012. Kempen Pandu Impianmu 2.0 hingga Mac 2027.

Related Investment Tools

FD Calculator ASB Dividend Calculator FSMOne Review Investment Hub

Frequently Asked Questions

Which bank has the best FD promotion rate in Malaysia June 2026?

Be U TD-i Advance offers the highest rate at 3.88% p.a. for 12 months (PIDM protected, min RM1,000). Alliance Privilege Banking offers 3.85% but requires RM10,000 minimum. For smaller deposits (RM1,000), Be U and MBSB Bank Term Deposit-i at 3.75% are the best options. All promotions end 30 June 2026.

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.