Introducing a FIRST in Islamic banking. An innovative Mudarabah-based account that gives you the opportunity to win cash prizes worth of more than RM14 million a year. Try us. Who knows, you could be our next winner!

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Click here for the List of Winners – December 2019

Benefits & Features

Draw Eligibility


Average Balance of RM100 = 1 unit of entry


Profit-Sharing Ratio

98 : 2 (Bank : Customer)

(Subject to change from time to time)



“Mudarabah” means a form of contract between the 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 based on a mutually agreed profit sharing ratio 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

Draw Eligibility

Average balance of RM100 = 1 unit of entry


Minimum Placement



Minimum Balance



Who can open an account

  • Individuals
  • Non-Individual – Associations / Schools / Universities Clubs / Societies / Religious Groups

Frequency of Prize Draw

Monthly & Quarterly

Fees & Charges



Rate / Amount


Replacement of Passbook

  • Lost passbook
  • Due to poor handling

Stamp Duty will be charged for the Indemnity Letter regardless of the amount

  • RM10 Stamp Duty + RM3.00 if lost due to poor handling
  • RM10 Stamp Duty only – if lost due to stolen ( attach police report )

Early Closure of Account

Within 3 months



Dormant Account

With balances up to RM5.00

Account will be closed and these balances will be absorbed by the Bank as a charge


Other Fees & Charges

Coin Deposit – Business Account

1st RM100.00 is free

Subsequent RM100.00 is charged RM2.00

T&C and PDS

Download the Terms and Conditions effective on 1 August 2019

Download the PDS Effective on 1 August 2019

List of Al-Awfar Draw Date 2020

Click here to view List of Al-Awfar Draw Date 2020


Campaign name

Jom Pindah Gaji, Cooperative Campaign, TH & PF Campaign



Average balance of RM100 = 1 unit of entry


Campaign Winners Announcement

Branches and website


Campaign Link

Apply Now