Gold CashAccess (Emas Akses Tunai)

Gold CashAccess is a short-term financing where the customer pledges the gold held in the Bank Islam Gold Account-i (BIGA-i) as security to Bank Islam against the customer’s indebtedness.


  • Shariah concept:
    • Gold CashAccess is offered based on Tawarruq concept.
    • Pledging of BIGA-i is based on Rahn concept.
  • Eligibility:
    • Individuals aged 18 years and above as follows:
      • Malaysian citizen; or
      • Permanent resident status.
    • Not a bankrupt.
    • Must have access to BIMB Mobile or BIMB Web.
  • Pledged Asset:
    • Digital gold in BIGA-i
  • Financing Amount
    • Margin of up to 80% from pledged asset value
    • Minimum amount of RM 100
    • Maximum amount of RM RM 500,000
  • Financing Period
    • Maximum facility period of 18 month.
    • Customer has to settle Total Profit for every 6 month of pledging period.
    • Customer reserves the right to make a full settlement and redeem the Pledged Asset at any of the pledging periods

  • Profit Rate
    • Profit rate will be charged based on Gold Value upon transaction is made.

    Click here to view the Terms and Conditions (Bahasa Malaysia Version).
    Click here to view the Product Disclosure Sheet.