Awfar

(Not protected by PIDM)


Ever dreamed of winning cash, luxury cars and other exciting prizes? Awfar could realise your dreams.

Now with 15 categories, you can stand a chance to be the next Awfar winner.

The more you invest, the more entries you can earn. What are you waiting for? Open the Awfar account to stand a chance to win exciting prizes. WOW! BANYAKNYA!

Name of Draw
Category / Nama Kategori Cabutan


Frequency / Kekerapan


Criteria / Kriteria


Calculation Eligible Unit (EU) / Pengiraan Unit Penyertaan

Monthly / Bulanan

January, February, April, May, July,
August, October and November  /

Januari, Februari, April, Mei, Julai,
Ogos, Oktober dan November

Minimum average balance RM100 monthly /

Baki purata minimum RM100 sebulan

Monthly Average Balance/100 = Total EU /

Baki Purata bulanan/100 = Jumlah EU

State / Negeri

January, February, April, May, July,
August, October and November  /

Januari, Februari, April, Mei, Julai,
Ogos, Oktober dan November

Minimum average balance RM100 monthly /

Baki purata minimum RM100 sebulan

Monthly Average Balance/100 = Total EU /

Baki Purata bulanan/100 = Jumlah EU

Quarterly / Suku Tahunan

March, June, September and December  /

Mac, Jun, September dan Disember

Minimum average balance of RM1,000 for 3
months /

Baki purata minimum RM1000 selama 3
bulan

Quarterly Average Balance/1,000 = Total
EU /

Baki Purata Suku Tahunan/1,000 =
Jumlah EU

Latest Updated: 15 February 2026 | Effective Date: 9 March 2026

Benefits
  • Passbook (upon request)
  • Bankcard Facilities
  • Salary Crediting & Sweeping Facility
  • Standing Instruction Facility
  • Profit sharing ratio = 98 (Bank) : 2 (Customer) effective until 15 February 2025
    99 (Bank) : 1 (Customer) effective 16 February 2025 until further notice
  • Profit will be credited into customer’s account every month end or upon account closing
  • Other facilities:
    • Bill payment
    • bankislam.biz
 
Electronic Banking Facilities

ATM

  • Cash withdrawal
  • Fund transfer
  • Statement request
  • Utility bills payment
  • Zakat payment
  • Tabung Haji transaction
  • Pin change
  • MEPS withdrawal
  • IBFT

 

Contract

Mudharabah

A contract between a capital provider (Rabbul Mal) and an entrepreneur (Mudarib) under which the Rabbul Mal provides capital to be managed by the Mudarib and any profit generated from the capital is shared between the Rabbul Mal and Mudarib according to mutually agreed Profit Sharing Ratio (PSR) whilst financial losses are borne by the Rabbul Mal provided that such losses are not due to the Mudarib’s misconduct, negligence or breach of specific terms.

 

Eligibility & Requirements
Minimum Opening RM100
Minimum Balance RM50
Age Requirement Aged 18 and above (Below 18
years old must be opened under Trust Account)
Types of Account
  • Individual & Joint Account
  • Societies
  • Club
  • Sole Proprietor
  • Universities / School
  • Association
  • Religious Bodies

 

Terms & Conditions and Product Disclosure Sheet
  • Click here for view Terms and Conditions for Awfar effective 9 March 2026

  • Click here for view Product Disclosure Sheet for Awfar effective 16 February 2025 (English Version)
  • Click here for view Product Disclosure Sheet for Awfar effective 16 February 2025 (Malay Version)

 

Frequently Asked Questions (FAQs)

Click here for view Frequently Asked Question (FAQ) on Awfar Investment Account

 

Important Announcement:

Please be informed that there are changes to Clause 8.0 related to Profit and Loss. The changes will take effect on 16 February 2025. Kindly review the updated Terms & Conditions for more details.

List of Awfar Draw Date 2026

Click here for view List of Awfar Draw Date 2026

Awfar Winners